EML Payments

EML Payments is a financial technology company specializing in secure and instant payment solutions across North America, Europe, and Australia. The company develops infrastructure that enables customers to facilitate and accept payments through prepaid cards and real-time transactions. EML Payments generates revenue primarily by charging fees on payment transactions, as well as from breakage, inactive accounts, cash establishments, and interest on debit volumes. Its diverse range of payment solutions serves various applications, including payouts, gifts, incentives, rewards, and supplier payments. The company operates in three key segments: gift and incentive, general purpose reloadable, and digital payments, catering to a wide array of client needs.

Tom Cregan

Managing Director and Group CEO

5 past transactions

Sentenial

Acquisition in 2021
Sentenial is a European leader in next-generation payment services for businesses and banks. Initially focused on Ireland, it now supports thousands of clients across Europe, offering comprehensive solutions in Account-Based Payments and Open Banking. The company's cloud-based platform enables users to make, receive, and originate payments seamlessly, simplifying processes and reducing complexities associated with online transactions.

Nuapay

Acquisition in 2021
Nuapay is a pioneer of Open Banking and the industry’s leading Account-2-Account payment environment. Building upon the trust, scale and experience of their parent company Sentenial – who securely process over €42bn every year as an outsourcing provider to many of the world’s leading Banks – they have worked tirelessly to reinvent what’s possible from a modern banking and payment solution. Sentenial was founded by their CEO, Sean Fitzgerald in 2003. Today, they offer partners all around Europe a fully comprehensive, integrated payment solution that removes all traditional banking inefficiencies and unnecessary costs, saving time, money and resources at every turn. This is banking as it should be.

Prepaid Financial Services Limited (PFS)

Acquisition in 2019
Prepaid Financial Services Limited (PFS) is a payments technology specialist providing e-money and banking solutions such as e-wallets, physical and virtual prepaid cards, and current accounts in the UK and the Eurozone. The company is authorized and regulated by the Financial Conduct Authority (FCA) in the UK, allowing them to issue cards across the SEPA region. PFS focuses on offering a wide range of financial services to individuals and businesses, aiming to simplify and enhance the way people manage their money in an increasingly digital world.

PerfectCard DAC

Acquisition in 2018
PerfectCard DAC is an authorized eMoney institution based in Greystones, Ireland, specializing in the development of incentive management software. Incorporated in 2006, the company offers solutions for incentive and corporate expense management, ensuring compliance with regulations set by the Irish Central Bank. As of July 2018, PerfectCard DAC operates as a subsidiary of EML Payments Limited, enhancing its capabilities in the financial technology sector.
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