EML Payments Limited (EML, formerly Emerchants Limited) is a global payments company that has established itself as a leader in innovative payment solutions. They operate in Australia, the UK, Europe, and the US, providing their services to a diverse clientele. This includes major banks across Europe seeking to expand their offerings, government agencies streamlining disbursement processes, established retail brands looking to enhance customer experiences, and financial services companies seeking to stay at the forefront of the industry. Through a combination of physical, mobile, and virtual card solutions, EML caters to a wide range of needs within the gift, disbursement, incentives and rewards, general purpose reloadables, and supplier payments sectors.