About Us
1. Company overview - What does EML Payments do?
EML Payments is a financial technology company that provides payment solutions focused on prepaid, gift card, and stored value products. The company designs and manages programs that allow businesses to issue branded payment cards and digital wallets. Its services support use cases such as gift cards, incentive programs, employee rewards, and general-purpose reloadable cards.
The company operates by partnering with banks, networks, and corporate clients to deliver payment programs that are compliant with local regulations. It provides technology platforms for card issuing, transaction processing, and program management. EML Payments supports both physical and digital payment solutions, including mobile wallets.
Revenue is generated through program management fees, transaction fees, and foreign exchange margins where applicable. The company also provides services for managing card lifecycles, fraud monitoring, and customer support.
EML Payments works with retailers, governments, and financial institutions. Its offerings are used in sectors such as retail, travel, fintech, and public services. The company focuses on scalable payment infrastructure that can be deployed across multiple markets.
2. Position of EML Payments in the industry
EML Payments participates in the global prepaid and stored value ecosystem. The company provides infrastructure that enables businesses to launch and manage payment programs without building their own issuing capabilities.
Key roles in the ecosystem include:
- Program manager for prepaid and gift card solutions
- Technology provider for digital wallet and card issuing platforms
- Partner to banks and payment networks for regulated card issuance
- Service provider for incentive, loyalty, and reward programs
The company supports both open-loop and closed-loop payment solutions. Open-loop cards can be used anywhere that accepts major payment networks, while closed-loop cards are typically limited to specific merchants.
EML Payments also plays a role in cross-border payments, offering multi-currency solutions for international programs. Its platform is used by corporate clients to distribute funds, incentives, or benefits to customers and employees.
3. Working at EML Payments
EML Payments employs professionals across technology, operations, compliance, finance, and customer support. Typical roles include software development, payment operations, risk and compliance, product management, and client services.
The company operates in a regulated financial environment, so roles often require attention to compliance and risk management. Its international presence means teams are distributed across different regions, requiring coordination across time zones.
Employees may work on payment technologies, program management systems, and integrations with financial partners. The company’s structure reflects its fintech focus, combining elements of financial services and technology operations.
4. Careers at EML Payments
EML Payments provides information about job opportunities through its careers section on the company website and through professional platforms such as LinkedIn.
Open roles may include positions in:
- Engineering and product development
- Compliance and risk management
- Operations and customer support
- Sales and account management
Roles are available in different regions where the company operates. Candidates with experience in payments, fintech, or regulated financial services may find relevant opportunities within the organisation.