Workforce Payment SolutionsFrom salary packaging and employee rewards to business expense cards and payroll solutions, EML Payments brings together the technology, program support and local expertise organisations need to move money securely and make it easier to use.
Trusted to run Workforce and other payment programs across APAC, Europe, the UK and North America
For more than 20 years, EML has been helping organisations deliver payments to their people. As the leading provider of salary packaging payments in Australia and one of the largest employee rewards providers in Ireland, we've built the expertise, infrastructure and controls behind workforce payments that scale.
Today, that expertise extends across the workforce experience, from salary packaging, employee expenses and earned wage access through to employee rewards and incentives, giving providers and employers one platform to move money, apply the right controls and deliver more value to their people.
Give employees a simpler way to access money and benefits with the rules, controls and reporting organisations need to manage the program.
Deliver benefits, wages, expenses and rewards through physical or digital payment experiences that put funds in employees’ hands when they need them.
Increase employee engagement with more powerful rewards and incentives compared to traditional payment methods.
Apply the right controls at authorisation from merchant and category restrictions to program-specific eligibility and spending rules, with the data and visibility to manage programs confidently while keeping the employee experience simple.
Give employees a practical way to pay while helping providers and employers capture more eligible spend, reduce off-platform claims and maintain program oversight.
Track funds from disbursement to spend with full audit traceability, helping ensure payments reach the intended recipient and are used as intended.
Start with the program you need today. Add new ways to pay, package or reward people as your proposition evolves.
Connect approved benefit accounts to one card and apply program rules automatically as employees spend.
Give employees physical or digital rewards that are easy to receive, easy to spend and enhanced with merchant offers.
Give employees a card while your program rules determine what can be spent, where and when.
Give employees access to wages they have already earned or provide an alternative way to receive payroll without adding manual payout processes.
* Use cases vary per region, contact Sales for more information.
Bring benefits, rewards and workforce spend together in experiences employees value and HR and Finance teams can manage more easily.
Program rules apply as employees spend, so your controls are built in rather than checked after the fact.
Offer more flexible ways to reward, incentivise and support your people, helping create a workforce experience that stands out.
Make it easier for people to access earned wages, maximise eligible benefits and allowances and receive meaningful rewards.
Automate more of the payment, benefit and reward experience, with program tools, reporting and support that reduce the administration sitting with internal teams.
Where permitted and agreed with the employee, provide an alternative way to receive pay without requiring a traditional bank account.
Eligible merchant offers and discounts are built into the program, without separate vouchers, codes or loyalty cards (Product capabilities vary by region. Contact our sales team for details).
You own the employer relationship. We run the regulated infrastructure underneath it when required.
You build the proposition and own the employer relationship. EML provides the regulated payments infrastructure underneath it.
Bring issuing, processing and program operations together instead of managing multiple payment suppliers.
Embed the experience through APIs or use EML's program tools where you do not want to build.
A dedicated implementation team from program design through to launch, then named program support once you are live.
We power the payments behind Australia’s leading salary packaging programs, helping employees access eligible benefits through one simple card experience.
Read the story
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.
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.
Tell us how you pay and reward your people today. We will identify the right products, controls and commercial model for your program.
Share a few details and we will route your enquiry to the right regional team.
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