EML Payments Reviews 

Lauren was incredibly helpful in resolving the issues I was experiencing with my Dayforce app. She was patient, knowledgeable, and took the time to walk me through each step of the troubleshooting process. Her clear communication and dedication ensured that my problem was fixed quickly and efficiently. Thanks to Lauren's excellent support, I was able to get back to using the app without any further issues. I truly appreciate her outstanding customer service and would highly recommend her assistance to anyone needing help.

Polite gentleman who let me rant a bit then helped me correct a mistake. Explained what the problem had been and put it right
His name is Iste .. in England for Wandsworth Council

Received my work bonus through this company. App does not allow you to stay signed and everytime I log in it requests a verification email which is sent to my work email 🤡. First time using the card it was declined in 2 reputable retailers, I called customer service and resolved the issue by deleting it from my digital wallet then adding again per customer service. Was able to use on a few online retailers but many payments don't go through??? Hate it.

AVOID THIS HORRIBLE SCAM ORGANISATION!!! BEWARE OF PURCHASING WESTFIELD GIFT CARDS!!! THEY ARE A SCAM RUN BY EML CARD SERVICES!!! They have a scam going whereby they steal the money from your gift card, or block your card so can’t access your money! ABSOLUTE SCAMMERS! The customer service staff are rude and unhelpful and refused to help me regarding the missing money on my gift card, instead acting vexatiously and avoiding any sense of human decency. Their phone operatives are dishonest, and make up false allegations and untruthful claims - just spiteful! Abysmal company!

Wanted to give 0 stars. My disability payment was paid into my now closed EML account before it could be updated on Universal credit system. I have requested for the money to be transferred to my new personal account its been 3weeks & 2 days still nothing!! I am a vulnerable adult with health issues under 24hour support care. I need to buy food, gas/electric and other basic necessities and this company is depriving me of that. Thankfully the living accommodation has been supporting me. They have ignored emails from my support worker and the call customer service team is a shambles.How is a company like this still able to trade? AVOID THESE COWBOYS AT ALL COST!!!

definitely a total rip off . I put money in Qantas pay in 2018. they locked my account and said they wanted to see where I purchased the airline ticket. I did not purchase an airline ticket I changed points into euro and banked it in their banking system, the account has been locked till now I finally got the airline to write the reason money was deposited I have heard nothing so have lodged an AFCA complaint I suggest anyone with a problem go to the afca.org.au and lodge a complaint as they get charged after 5 complaints.

As usual nothing works. I've received my new card and I can't activate it.Tried all 3 numbers. Tried the help line no answer then I get cut off. This is a terrible company why are they holding do much of the councils money

Unfortunately, 0 is not an option. My card expired in Feb 2025. I was not sent another one. The company had technical issues in July 2025. This lasted over a week and I spend over 3 hours on the phone so they could make an outstanding payment on my behalf. This was made even more difficult as the numbers on my expired card did not match. A request made on 17th July for a new one. Today, 26th August, still no card. Rang up and after a wait of over 30 mins, plus a further 30 mins conversation they told me cards were not been sent out atm due to technical issues. I was told to expect my card in the first week of September 2025. 7 months then of technical issues!

EML Payments is the worst company! You were directly connected with the Irish company that became insolvent and you destroyed our trust. You told us our money was protected, yet more than a year has passed and we have received nothing back. I personally lost €5,000 and suffered trauma, depression, and severe anxiety because of you.

How can you sleep at night and keep working while thousands of people are suffering because of you? Where is your humanity? Where is your heart? Is it really so cold that you could betray our trust and take the money we entrusted to you? You didn’t even announce that your Irish branch went bankrupt — you hid it and left people to suffer. You are selfish, and you will never succeed. Our prayers for justice will follow you forever.

Never used such a poor bank service. Account doesn't work, and I can't contact anyone. Hanging on a phone call repeatedly day after day, and not a free call. Doubt they will ever answer, no queue number given.
I need to pay care support urgently, which I've now had to do from my personal account.

Client Affairs York Council had told me that they EML Card you will be using from now on.

Pin had gone through well first time round but did stop going through as exceeded pin attempts.

Calling York Council Client Affairs explained it is blocked should be unblocked but did not hang up.

Still ATM maintains exceeded pins attempts

So EML Card declined they Tuesday

Wednesday 6th August ATM amount get shown pressed £10.00
but a receipt and EML card got returned back instead

The Stamford Bridge Self-service machine did not pay they items through placing the card in typing the pin that Client Affairs had provided.

Contactless did not bleep approve any payment when payments were on they card.

Have used they Natwest, Halifax, Nationwide

Nationwide every Monday pays in £75

York Council Client Affairs have mentioned replacing with a new EML card but no replacement yet.

I believed it should be replaced

Called 1 number for EML just long music and call will shortly be answered.
Looked at a different number which got me through and got details but still nothing not one person got in contact from EML Company.

Getting through to a gift card assistant is quite quick but will take details down for eml to contact next day.

But no call received next day as believed was unhappy

York Council Client Affairs issued the card and had said the birth date will be used to look at they amount and withdrawals to be made but exceeded pin. Client Affairs stated card got blocked, unblocked now stayed on the phone to try they said pin but exceeded pin.

Looked at EML they company have all details contacted EML but stated any pin that I ever was advised to use was always incorrectly typed in.

ATM Co Op Stamford Bridge amount shows on screen pressed £10.00.

A receipt and card is all that gets returned exceeded pin tries.

0203 327 1991 got pin and same details wrote

So blocked unblocked

Wiped my card so my PA set up dd hasn’t received her wages .
Tried 3 times to get in touch with EML as my balance is £0
It would be nice just to know even in the automated service that’s there’s issues ..but they keep you for over an hour .on the phone . I’ve phoned twice & not able to get through.

I am a carer for a stroke victim who can't talk and I have to buy her shopping with an EML card. When I went to pay for the weekly shopping with this EML card there was no money in the account. Once being on the phone to social services for over an hour, I now find out I need to wait 3 days to get any money to buy the shopping for a stroke victim who can't talk.

Absolutely diabolical service. I spend at least couple of hours each month trying to speak to someone regarding the payment platform misfunctioning and preventing me from issuing payments for carers of my disabled son. This service should be closed. Truly life draining and affecting my mental health. Shameful!!

I have been unable to access the online portal for over a month. Despite multiple emails, I’ve had no response from customer service, and phone calls are going unanswered. My mother's carers are not being paid as a result. There is money in the account, but the home care package is now at risk. She may have to be hospitalised because essential payments are not going through. This is extremely serious—vulnerable people rely on this service, and it is failing them.
Update:
Still not answering emails, I did telephone. It took me an hour to get through and I was on the phone for half an hour. They told me they could not do anything and I should call back. When I refused, they agreed to call me back. THEY NEVER DID! The call cost me 60 euros!!
Still, the carer is not being paid, and no access to the account, no information. With a vulnerable elderly mother with dementia unable to pay carers.

Absolutely appalling. I use this service to pay carers for a very vulnerable person. No communication or updates other than a letter to say the service is not working....really!!!

Carers urgently need to be paid. The council have been no help either in resolving this. Truly unbelievable.

Has the service been hacked or gone bust?? Something isn't right.

Awful the way this current issue is being dealt with. Huge compensation is needed. Hopefully this company lose their contract with our local authorities.

Can't log in. Can't make payments. This is a disgrace for so long now and no communication. Get your act together NOW! no one picking up the phone and people are losing out

Absolutely disgusting for carers to be left without payment, has been no communication from them spend hours on the phone to then be hung up on !!!

Appaling. All companies can get hit with an outage, or even be hacked, but with a lack of news/updates or workarounds this is terrible. I have no idea how many councils are affected. This is day 8 or 10.
The careers need to be paid.