Launch cards, accounts, apps and portals under your name and brand, backed by EML Payments connected platform and payments expertise.
Choose between flexible integration options that keep your brand and customer relationship at the centre.
Trusted to run white label and other payment programs across APAC, Europe, the UK and North America
White label solutions lets you add cards, accounts and payment experiences to your proposition while EML provides the platform and regulated capabilities underneath.
Extend your identity across the card and digital experience, so customers continue to interact with a brand they already know.
Use established issuing, processing, scheme and program capabilities instead of assembling the entire payment stack yourself.
Start with hosted, branded experiences or integrate more deeply through embedded components and APIs.
Combine controlled spend, rewards, data and new customer journeys to the products and relationships you already have.
White label doesn't mean the regulated provider disappears. It means each party owns the parts it's best placed to run.
EML brings the regulated platform, payments expertise and partnership to help bring your vision to life and evolve it as you grow.
Product capabilities vary by region. Contact our sales team for details
Choose the approach that fits your customer experience, technical capability and launch requirements.
Apply your brand to EML-hosted apps and portals. A faster route for teams that want a complete branded experience without building every interface.
Add selected cardholder and program journeys to your existing channels through embedded components and SDKs. Customers remain inside your app while EML powers the payment functions underneath.
Design the journeys and interfaces yourself, then connect to EML for issuing, processing, controls and money movement.
Plug in once and configure your program your way to issue, move money and embed finance into your customer journeys. Reduce complexity, strengthen control and scale with one platform that’s built for what comes next.
Create accounts, cards and wallets at scale.
Collect, fund and pay out across rails and currencies.
Control how money behaves in real time.
Build trust into every transaction.
Incentives and insights to drive growth.
Build with white label portals, pre-built components or direct integration.
Your branded program sits on established issuing, processing, scheme and security infrastructure.
Run through the issuing model agreed for the program and market, rather than building an issuer capability from the ground up.
Support eligible Mastercard and Visa programs or use private-label cards when acceptance needs to be limited to defined merchants, locations or environments.
Authorise transactions, move funds and manage clearing, settlement and reconciliation through one operating environment.
Protect card and program activity through PCI DSS Level 1 infrastructure, authentication, fraud controls and monitoring.
Work with teams that understand the local schemes, regulations and operating requirements behind each program.
Product capabilities vary by region. Contact our sales team for details
It is a card, account or payment experience delivered through your brand while a specialist provider supplies the technology, regulated infrastructure and expertise underneath.
No. A white label experience leads with your brand. Co-branding gives both organisations visible roles. The regulated issuer is disclosed where required in either model.
Not necessarily. EML Payments can provide the applicable issuing and program infrastructure in supported markets, depending on the program structure.
BIN sponsorship may form part of the model, but the EML proposition can also include issuing, processing, controls, branded experiences, reporting and program services.
Yes. Available approaches include EML-hosted white label experiences, embedded components within your app and fully API-led journeys.
Yes, depending on the product and market. Supported programs can include physical cards, digital cards, or both, and provisioning to supported mobile wallets.
This depends on the integration model. Hosted experiences provide defined branding options. Embedded components offer more control within your existing app. APIs allow you to design the experience yourself.
Your team, EML or a shared model can provide support. Responsibilities are agreed during program design.
The data roles, access and responsibilities depend on the program structure and applicable regulatory requirements.
Yes. EML can help assess the cardholders, balances, controls, data, integrations and operational processes involved in moving an existing program.
The timeframe depends on the product, region, integration approach and required program services.
Tell us who the program is for, what the money needs to do and how much of the experience you want to own.
We'll map the cards, accounts, platform capabilities, licensed infrastructure and integration model behind it.
