Retail · Gifting, rewards and loyalty

Build and run modern gifting and rewards programs.

The gifting, rewards and payments platform for shopping centres, retail brands, stadiums, venues and partners looking to issue, manage and grow modern gift card programs.

Two friends laughing while carrying shopping bagsProgram overview with virtual and physical gift cards and multi-retailer acceptance

Global leaders in prepaid gifting and incentive programs

30m+
Cards issued every year
Mastercard and Visa Principal Member
1,100+
Client programs supported
Across 27 countries worldwide
20+ years
Running complex payments programs
Mastercard and Visa principal member · PCI DSS, SOC1 Type 2, SOC2 Type 2, SSAE-18 audited
Customer paying by phone at a card terminalSpend controls for retailers, transaction limits and online or in-store use

Gifting and incentives that keep
pace with how people pay.

Customers increasingly expect gift cards to be digital, easy to access and ready to use across the channels they already shop in.

EML brings physical, digital and virtual cards, configurable spend controls, wallet provisioning and programs support together, so centres, brands, venues and incentive teams can run every gifting program on one platform.

Instant delivery for customers.
Clearer control for programs teams.
White labelled to your brand

A whole centre. A sold-out stadium.
A reward in the right hands.
One platform behind them all.

Create a better way to run gifting and rewards, combining instant delivery for customers with stronger control and clearer data for your teams.

Sell the card

Sell through supported in-store, online, app and bulk channels, with physical, digital and virtual formats to suit the experience.

Card formats and sales channel settings

Control the spend

Define where value can be used by merchant, category, location or amount, from a single retailer to a whole centre or venue.

Spending controls panel

Keep your brand front and centre

Bring your identity across the card and supported digital experiences so the program feels like part of your brand.

Branded card preview

Understand program performance

Real time reporting on issuance, activation and spend, with up to 40 data points per transaction, so you can see who is buying, where value lands and what to do next.

Program insights chart
Gifting and rewards ready the instant they’re wanted

Effortless for you. Irresistible for them.

Gifting has to work on both sides: for the teams running the program and for the people buying, receiving and spending the value. EML helps you combine a better customer experience with clearer control, reporting and less manual work behind the scenes.

Value up front. Control all the way through.

Run a gifting program that is easy to sell, simple to manage and visible from issuance through to spend.

Revenue banked up front

Every card sold is revenue in the business before a single item is redeemed.

Spend stays where you want it

Restrict acceptance to your store, your centre or your venue, or open it wider when the program calls for it.

Instant issuance, physical when you want it

Digital and virtual cards in seconds. Physical cards produced, personalised and delivered in bulk to stores, or posted direct to recipients.

White label solution

Card, app, checkout and wallet carry your brand, so the program markets you every time it is used.

Data you can act on

Real time financial, transaction and merchant reporting, with spend broken down by store, category and campaign.

Breakage and float

Maintain visibility over outstanding balances and program liabilities, with commercial treatment defined as part of the program model.

One platform for gifting, rewards and promotions

Run centre cards, branded cards, venue cards, incentives and loyalty on one platform

Easy to receive. Easy to use.

Give recipients a card that works the way they already pay, with no vouchers, codes or hoops.

Delivered instantly, ready to spend

Digital and virtual cards arrive by email or text and are live immediately.

Digital or physical, their choice

Support customers who want a card in hand and those who prefer a digital experience.

Wallet-ready

Add eligible cards to supported digital wallets, including Apple Pay and Google Pay where available.

Works in store and online

One balance, spendable in store, online and in app, without the recipient having to work out where it is accepted.

Keep track of balance

Give customers supported ways to view balances, transactions and card details.

Retail
Ireland/Europe

Glede

We power Glede’s corporate gifting with flexible prepaid cards, giving recipients more choice while making gifting simpler to deliver at scale.

Read the story
Glede
NOK 370m+
in gift cards sold since 2022
NOK 127m+
in December 2025 alone
Top 50
Deloitte Technology Fast 50 Norway, 2026
WHY CHOOSE EML PAYMENTS

Complex payments take more than technology.

One partner with the card issuing and processor platform, the licence and the people to launch your program and keep it running as it scales.

Cards, accounts, wallets, money movement, controls and data brought together and configured around your program.

APIs, pre-built components, white label portals and partner integrations. Connect in the way that works for your team.

One licensed partner

Issuer, processor and program manager capability in one place, with the licensed infrastructure to run complex and regulated programs end to end.

Real experts alongside the technology, from pilot through to live operation. You get a partner, not a ticket number.

Security, access controls, data protection, fraud monitoring and sanctions screening protect your program, your users and your money, informed by local regulatory environments.

Live across APAC, Europe, the UK and North America, with teams who understand local rules, schemes and market realities based on decades of experience.

Ready to modernise your gifting program?

Tell us what you want to launch, replace or improve. We’ll help identify the right card formats, controls, distribution model and support for your program.

Share a few details and we will route your enquiry to the right regional team.

Tell us more about your program