--- title: General Purpose Reloadable description: EML's General Purpose Reloadable card gives your organisation total spend control — issue branded physical or digital cards, fund them instantly, and apply real-time spend rules. PCI Level 1, AFSL-licensed. Accepted everywhere. --- [Client Login](https://info.storefinancial.net/Default.aspx) ![](https://info.emlpayments.com/hubfs/raw_assets/public/EML_August2024/images/eml-header-client-icon.png) ![](https://info.emlpayments.com/hubfs/raw_assets/public/EML_August2024/images/header-triangle-icon.png) - [Payment Solutions](https://www.emlpayments.com/payment-solutions/) - Payment Solutions - [explore](https://www.emlpayments.com/payment-solutions/) - [Products](https://www.emlpayments.com/payment-solutions/#products) - [Card Payments](https://www.emlpayments.com/payment-solutions/products/card-payments/) - [Open Banking](https://www.emlpayments.com/payment-solutions/products/open-banking/) - [Digital Account Payments](https://www.emlpayments.com/payment-solutions/products/digital-account-payments/) - [Seamless](https://www.emlpayments.com/payment-solutions/products/seamless/) - [Features](https://www.emlpayments.com/payment-solutions/#features) - [Card Funding](https://www.emlpayments.com/payment-solutions/features/card-funding/) - [FX Solutions](https://www.emlpayments.com/payment-solutions/features/fx/) - [Spend Controls](https://www.emlpayments.com/payment-solutions/features/spend-controls/) - [Digital Wallets](https://www.emlpayments.com/payment-solutions/features/digital-wallets/) - [Program Management](https://www.emlpayments.com/payment-solutions/features/program-management/) - [Loyalty & Rewards](https://www.emlpayments.com/payment-solutions/features/loyalty-and-rewards/) - [Use Cases](https://www.emlpayments.com/use-cases/) - Use Cases - [explore](https://www.emlpayments.com/use-cases/) - - [Banking & Financial Services](https://www.emlpayments.com/use-cases/banking-and-financial-services/) - [Buy Now Pay Later](https://www.emlpayments.com/use-cases/buy-now-pay-later/) - [Insurance Claims & Compensation Payouts](https://www.emlpayments.com/use-cases/insurance-claims-and-compensation-payouts/) - [B2B Payments](https://www.emlpayments.com/use-cases/accounts-payable/) - - [Human Capital Management](https://www.emlpayments.com/human-capital/) - [Corporate Expense Cards](https://www.emlpayments.com/use-cases/corporate-expense-cards/) - [Salary Packaging & Payroll](https://www.emlpayments.com/use-cases/salary-packaging/) - [Contractor Payments/Gig Economy](https://www.emlpayments.com/use-cases/gig-economy/) - - [Government Stimulus & Emergency Payouts](https://www.emlpayments.com/use-cases/government-stimulus-and-emergency-relief-payouts/) - [Retail & Ecommerce](https://www.emlpayments.com/use-cases/retail-and-ecommerce/) - [Sports Betting & Gaming](https://www.emlpayments.com/use-cases/sports-betting-and-gaming/) - [Travel & Transport](https://www.emlpayments.com/use-cases/travel-and-transport/) - [About](https://www.emlpayments.com/company/) - - [Our Story](https://www.emlpayments.com/company/) - - [Leadership](https://www.emlpayments.com/company/leadership/) - - [People & Culture](https://www.emlpayments.com/culture-and-values/) - - [Sustainability](https://www.emlpayments.com/culture-and-values/sustainability/) - [Investor Centre](https://www.emlpayments.com/company/investor-centre/) - [Newsroom](https://www.emlpayments.com/newsroom/) [![Get Support](https://no-cache.hubspot.com/cta/default/2608739/6ff8314d-2843-49ab-953c-2fec0d8d6dee.png)](https://cta-redirect.hubspot.com/cta/redirect/2608739/6ff8314d-2843-49ab-953c-2fec0d8d6dee) [![Contact Sales](https://no-cache.hubspot.com/cta/default/2608739/e79345be-5abb-479b-94a4-ced9dec5f07e.png)](https://cta-redirect.hubspot.com/cta/redirect/2608739/e79345be-5abb-479b-94a4-ced9dec5f07e) [Client Login](https://info.storefinancial.net/Default.aspx) - [Payment Solutions](https://www.emlpayments.com/payment-solutions/) - [Products](https://www.emlpayments.com/payment-solutions/#products) - [Card Payments](https://www.emlpayments.com/payment-solutions/products/card-payments/) - [Open Banking](https://www.emlpayments.com/payment-solutions/products/open-banking/) - [Digital Account Payments](https://www.emlpayments.com/payment-solutions/products/digital-account-payments/) - [Seamless](https://www.emlpayments.com/payment-solutions/products/seamless/) - [Features](https://www.emlpayments.com/payment-solutions/#features) - [Card Funding](https://www.emlpayments.com/payment-solutions/features/card-funding/) - [FX Solutions](https://www.emlpayments.com/payment-solutions/features/fx/) - [Spend Controls](https://www.emlpayments.com/payment-solutions/features/spend-controls/) - [Digital Wallets](https://www.emlpayments.com/payment-solutions/features/digital-wallets/) - [Program Management](https://www.emlpayments.com/payment-solutions/features/program-management/) - [Loyalty & Rewards](https://www.emlpayments.com/payment-solutions/features/loyalty-and-rewards/) - [Use Cases](https://www.emlpayments.com/use-cases/) - [Banking & Financial Services](https://www.emlpayments.com/use-cases/banking-and-financial-services/) - [Buy Now Pay Later](https://www.emlpayments.com/use-cases/buy-now-pay-later/) - [Insurance Claims & Compensation Payouts](https://www.emlpayments.com/use-cases/insurance-claims-and-compensation-payouts/) - [B2B Payments](https://www.emlpayments.com/use-cases/accounts-payable/) - [Human Capital Management](https://www.emlpayments.com/human-capital/) - [Corporate Expense Cards](https://www.emlpayments.com/use-cases/corporate-expense-cards/) - [Salary Packaging & Payroll](https://www.emlpayments.com/use-cases/salary-packaging/) - [Contractor Payments/Gig Economy](https://www.emlpayments.com/use-cases/gig-economy/) - [Government Stimulus & Emergency Payouts](https://www.emlpayments.com/use-cases/government-stimulus-and-emergency-relief-payouts/) - [Retail & Ecommerce](https://www.emlpayments.com/use-cases/retail-and-ecommerce/) - [Sports Betting & Gaming](https://www.emlpayments.com/use-cases/sports-betting-and-gaming/) - [Travel & Transport](https://www.emlpayments.com/use-cases/travel-and-transport/) - [About](https://www.emlpayments.com/company/) - [Our Story](https://www.emlpayments.com/company/) - [Leadership](https://www.emlpayments.com/company/leadership/) - [People & Culture](https://www.emlpayments.com/culture-and-values/) - [Sustainability](https://www.emlpayments.com/culture-and-values/sustainability/) - [Investor Centre](https://www.emlpayments.com/company/investor-centre/) - [Newsroom](https://www.emlpayments.com/newsroom/) - [Get Support](https://www.emlpayments.com/customer-support/) - [Contact Sales](https://www.emlpayments.com/sales-enquiry/) - [EML.CON](https://emlconglobal.com/) - [EML FINLAB](https://www.emlpayments.com/) - [Client Login](https://info.storefinancial.net/Default.aspx) Reloadable Card Solution # One card. *Endless possibilities.* Programmable, reloadable payments your organisation controls - accepted everywhere major card networks work. From salary packaging to distributing government support, put money in the right hands, the right way, at the right moment. [Get in touch](https://info.emlpayments.com/general-purpose-reloadable#form) [Download factsheet](https://info.emlpayments.com/hubfs/GPR/EML_GPR_Factsheet_2026_Final.pdf?hsLang=en) 20+ Years in Market 40+ Data points per transaction 25+ Countries 1 Platform for issuing, processing & settlement The challenge ## Managing spend shouldn't be complicated. For most organisations, getting money where it needs to go and keeping control of how it's spent is harder than it should be. 📊 ### No visibility over spend Once money leaves the organisation, tracking where it goes and how it's spent turns into a manual, error-prone chase. Limited oversight. Late surprises. 🔧 ### Rigid, one-size solutions Most prepaid products don't bend to your program needs, so you build workarounds, patch with manual processes, and carry risk you shouldn't have to. ⚖️ ### Compliance headaches Payment regulations, fraud exposure, AFSL obligations. Managing all of it pulls time and attention from what you actually want to build. The solution ## A card program built around your needs. Our reloadable card solution lets you issue digital or physical cards under your brand, fund them on your terms, and apply spend rules at the moment of payment. 01 ### Issue under your brand Digital and physical cards with custom artwork. Apple Pay and Google Wallet ready from day one. 02 ### Control every payment Approve in real time. Restrict by merchant category and card-level limits. 03 ### Settle and report 40+ data points per transaction, built-in reconciliation, funded and unfunded models. Why EML ## Built for the businesses that issue, *and the people who spend.* 01 01  /  For your organisation ### Control, compliance and clarity --- - Total spend control Approve or decline every transaction in real time, by your rules. Stop fraud, policy breaches and budget over-runs at source. - Compliance handled PCI Level 1, SOC1/SSAE-18 and AFSL-licensed infrastructure. EML carries the regulatory weight so your team doesn't have to. - Data you can act on 40+ transaction data points feed your reporting, fraud detection and customer insights. 02 02  /  For your cardholders ### Money that moves at the speed of now --- - Money they can spend now Funds become available the moment they're approved - no two-day waits, no bank account required. - Accepted everywhere In-store, online, contactless - plus Apple Pay and Google Wallet from day one. - Your brand in their wallet Physical or digital cards with your design and your name - presence a bank transfer can't give. Applications ## Six examples. Many more possible. 💼 ### Salary Packaging Issue meal entertainment and living expenses cards under your brand, with MCC restrictions that automatically keep spend FBT-compliant. 📋 ### Expense Management Replace reimbursements with pre-funded employee cards. Set per-card limits, approve out-of-policy spend in real time, capture line-item data automatically. ⛽ ### Fuel & Fleet Lock cards to fuel and service-related merchants, restrict to specific networks, set per-fill or daily caps. Reconcile against vehicles, drivers and routes. 🏛️ ### Gov & NFP Disbursements Distribute support, welfare, disaster relief or grants to a card whose spend rules match the program's intent. Full auditability built in. 🎁 ### Rewards & Incentives Convert loyalty points, sales incentives or customer cashback into spendable balance on an open-loop card, boosting redemption rates and brand presence. 💸 ### Earned Wage Access Let workers draw accrued wages on demand, straight to a branded card - no bank account required. Get in touch ## Tell us about your *program.* A short message is enough. Our team will come back to you with tailored options, not a generic brochure. PCI Level 1 certified infrastructure AFSL-licensed - compliance handled 20+ years in market, 25+ countries Dedicated program management team Contact our team [![EML Footer Logo](https://info.emlpayments.com/hubfs/EML_August2024/images/footer-logo.svg "EML Footer Logo")](https://www.emlpayments.com/) [![](https://info.emlpayments.com/hubfs/EML_August2024/images/footer-linkedin.svg)](https://linkedin.com/company/emlpayments) [![](https://info.emlpayments.com/hubfs/EML_August2024/images/footer-youtube.svg)](https://www.youtube.com/channel/UCoOi-WpvyV45OYWub1GK0ew/featured) [![](https://info.emlpayments.com/hubfs/EML_August2024/images/footer-twitter.svg)](https://twitter.com/emlpayments) - [EML Customers](https://www.emlpayments.com/customer-support/) - Support - Get my balance - Client Login - Payment Solutions - Products - Features - FX Solutions - Newsroom - Investor Centre - Use Cases - Financial Services - Human Capital Management & Payroll - Retail and eCommerce - Government Stimulus and Emergency Relief Payouts - Sports Betting and Gaming - Travel and Transport - About - Our Story - Leadership - People & Culture - Sustainability - [Terms and Conditions](https://www.emlpayments.com/terms-and-conditions/) - [Terms of use](https://www.emlpayments.com/terms-and-conditions/) - [Privacy Policy](https://www.emlpayments.com/privacy/) - [Apple Pay Terms](https://www.emlpayments.com/terms-and-conditions/#apple-pay-terms) - [Prepaid Mastercard Terms](https://www.emlpayments.com/terms-and-conditions/#prepaid-mastercard-terms) - [ACT Health Salary Packaging Mastercard](https://www.emlpayments.com/terms-and-conditions/#act-health) - [Entain Group prepaid Mastercard](https://www.emlpayments.com/terms-and-conditions/#entain-group) - [Spotto Cash prepaid Mastercard](https://www.emlpayments.com/terms-and-conditions/#spotto-cash-prepaid) - [Cherrypay prepaid Mastercard](https://www.emlpayments.com/terms-and-conditions/#cherrypay-prepaid) - [NSW Health Salary Packaging Mastercard](https://www.emlpayments.com/terms-and-conditions/#nsw-health-salary-packaging) - [Corporate Prepaid Cards prepaid Mastercard](https://www.emlpayments.com/terms-and-conditions/#corporate-prepaid-cards) - [3D Secure](https://www.emlpayments.com/terms-and-conditions/#3d-secure-faqs) © 2024 EML Payments Europe Limited. All rights reserved. ![](https://px.ads.linkedin.com/collect/?pid=2978074&fmt=gif)