What Does EML Do?

Total employees630
HeadquartersBrisbane
Founded2001

EML Payments is a global technology company that creates awesome, instant and secure payment solutions. They offer a diverse portfolio of services including prepaid gift cards, general purpose reloadable cards, digital account and mobile payment solutions, and open banking products. EML powers payments for a wide range of industries, helping businesses across the world to create new revenue streams, enhance customer experiences, and improve operational efficiency.

Where Is EML's Headquarters?

HQ Function

Serves as the central hub for global strategy, corporate governance, finance, technology development, and overarching operational management for EML's worldwide activities.

Notable Features:

Modern office facilities within a prominent commercial tower, designed to foster collaboration and innovation with open-plan workspaces and state-of-the-art technology infrastructure.

Work Culture:

A dynamic, fast-paced, and collaborative environment focused on innovation in the payments sector, encouraging agile methodologies and employee development. The culture emphasizes teamwork and a commitment to delivering cutting-edge payment solutions.

HQ Significance:

The Brisbane HQ is significant as the birthplace of the company (as Emerchants) and remains the core decision-making center, driving EML's global expansion and product innovation in the competitive fintech landscape.

Values Reflected in HQ: The headquarters' design and location emphasize EML's commitment to innovation, global connectivity, and providing a cutting-edge environment for its employees to develop market-leading payment technologies.

Location:

EML Payments supports a wide range of functions globally, including payment card issuing (prepaid, debit, credit), payment processing, open banking solutions, digital account services, fraud prevention, customer service, and program management. These services are delivered across North America, Europe, the UK, Australia, and other APAC regions, catering to diverse industries such as retail, financial services, gaming, and government.

Street Address:

Level 12, 333 Ann Street

City:

Brisbane

State/Province:

QLD

Country:

Australia

Where Else Does EML Operate Around the World?

Kansas City, Missouri, USA

Address: 1700 W 75th Street, Kansas City, MO 64114, USA

Supports EML's expansion and service delivery in the significant US and Canadian fintech and payments markets, catering to industries like retail, neobanking, and corporate disbursements.

Galway, Ireland

Address: Block C, Ballybrit Business Park, Galway, H91 K5D0, Ireland

Serves as a strategic base for EML's European business, navigating diverse regulatory landscapes (including e-money licenses) and market needs across the European Economic Area and the UK.

Wilkshire, UK

Address: Navan Court, Belbins Business Park, Cupernham Lane, Romsey, SO51 7JF, United Kingdom

Ensures continued service and growth within the UK market, managing relationships with local clients and partners, and adapting to the specific regulatory environment of the UK.

Buying Intent Signals for EML

Highperformr Signals uncover buying intent and give you clear insights to target the right accounts at the right time — helping your sales, marketing, and GTM teams close more deals, faster.

Notable news
Hiring actively
Corporate Finance
Corporate Finance
Corporate Finance
Corporate Finance
Corporate Finance
*Example signal, not calculated in real time

Who's Leading EML? Meet the Executive Team

As of April 2025, EML' leadership includes:

Kevin Murphy - Interim Group Chief Executive Officer
Jonathan Gatt - Group Chief Financial Officer
Brent Morgan - Group Chief Commercial Officer
Ailish Napolitano - Group Chief Risk & Regulatory Officer
Barri Bialowas - Chair of the Board

Who's Investing in EML?

EML has been backed by several prominent investors over the years, including:

Publicly Traded on ASX (Ticker: EML)
First Sentier Investors (Australia) IM Ltd.
Paradice Investment Management Pty. Ltd.
Mitsubishi UFJ Financial Group, Inc.

What Leadership Changes Has EML Seen Recently?

Hire4
Exits2

EML Payments has experienced significant leadership changes in the past year, including a new Interim Group CEO, Group CFO, Group CCO, and Group CRRO, alongside key departures. These changes reflect a period of transformation for the company.

Departures

Emma Shand, Emma Shand resigned as Group CEO.
David Curneen, David Curneen resigned as Group CFO.

New Appointments:

Kevin Murphy, Kevin Murphy appointed as Interim Group CEO.
Jonathan Gatt, Jonathan Gatt appointed as new Group CFO.
Brent Morgan, Brent Morgan appointed as new Group CCO.
Ailish Napolitano, Ailish Napolitano appointed as new Group CRRO.

What Technology (Tech Stack) Is Used byEML?

Discover the tools EML uses. Highperformr reveals the technologies powering your target accounts — helping your sales, marketing, and GTM teams prioritize smarter and close faster.

EML Email Formats and Examples

EML Payments primarily uses the [first].[last]@emlpayments.com email format. Other less common formats might exist but this is the most prevalent.

[first].[last]@emlpayments.com

Format

jane.doe@emlpayments.com

Example

90%

Success rate

What's the Latest News About EML?

EML Payments ASX Announcement2024-01-30

EML Payments Provides Q2 FY24 Business Update

EML Payments released its Q2 FY24 trading update, highlighting group revenue, EBITDA, and progress on its strategic initiatives, including regulatory remediation efforts and product development....more

EML Payments ASX Announcement2024-01-19

EML Payments Announces CEO Resignation and Interim CEO Appointment

EML Payments announced that Emma Shand has resigned as Group Chief Executive Officer. Non-Executive Director Kevin Murphy has been appointed as Interim Group CEO, effective immediately....more

EML Payments ASX Announcement2023-11-28

EML Appoints Group Chief Commercial Officer

EML Payments announced the appointment of Brent Morgan as Group Chief Commercial Officer, tasked with leading the global sales, marketing, and product strategy for the company....more

EML Payments ASX Announcement2023-08-23

EML Payments Full Year FY23 Results Announcement

EML Payments reported its financial results for the full year ending June 30, 2023, discussing revenue performance, segment contributions, and ongoing regulatory challenges, particularly with its Irish subsidiary PFS Card Services Ireland Limited....more

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