Radar / Payment processor / gateway

EML

Payment processor / gateway emlpayments.com ↗ Full listing

Signal from the RatEx42 listing Checking public sources…

Amberlisting

Not yet re-assessed

Our verdict

Be careful (earlier rating)

Our earlier listing flagged concerns. A full re-check is pending.

–Licensed for what it does?Not checked yet
–Warnings or fines from regulators?Not checked yet
–Owners known and transparent?Not checked yet
–Customer complaints?Not checked yet

What should I do?

  1. Check the licence yourself in the official register of the country where it operates.
  2. Start small – never send more than you can afford to lose.
  3. Keep screenshots of all payments and conversations.

Based on public sources at the date of review. Not a finding that the company acted unlawfully; the company can respond below.

About

EML is an ASX listed (ASX:EML) Australian PayTech operating proprietary processing platforms that enable Fintech disruption, with offices in Australia, the United Kingdom, Europe, and the United States of America. Thomas Cregan is the EML CEO. Nuapay (PC42 profile), a payment processor authorized in the UK and France, is EML's Open Banking division. In 2021, EML generated revenue of AUS-$192.2…

The full check

🪪LicenceLicensing & registrationNot checked yet

This part is checked automatically from public sources when the profile is re-checked.

👥Who owns itOwnership & controlNot checked yet

This part is checked automatically from public sources when the profile is re-checked.

🏦Where your money goesBanking & payment chainNot checked yet

This part is checked automatically from public sources when the profile is re-checked.

⚖️Regulator actionsRegulatory actionsNot checked yet

This part is checked automatically from public sources when the profile is re-checked.

📰News & reputationAdverse media & OSINTNot checked yet

This part is checked automatically from public sources when the profile is re-checked.

💬Customer experienceCustomer conductNot checked yet

This part is checked automatically from public sources when the profile is re-checked.

How we rate: methodology.

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Version history

  • 2026-10-21 Insufficient data Listed, not yet assessed

Are you EML?

You can respond to this profile at any time, free of charge: send a statement for publication or ask us to correct a fact. Please include sources. We review every request and record the outcome.

Signals reflect our assessment of public information at the date of review. They are not a credit rating, not investment advice and not a statement that a company has acted unlawfully. Companies can respond to every profile; published statements and changes are shown on the profile and in the corrections log.