Digital Wallets
With AirPay’s Bulago digital wallets — built on EML Payments’ infrastructure — you can offer your customers a secure and convenient way to digitally store and use their payment cards and accounts. Deliver a fast, convenient, and hyper-personalised neo-banking experience, fully under your own brand.
Tailor your customer experience with a variety of features
Fully Branded Wallet
AirPay delivers fully white-label wallets. You tailor the entire customer experience around your brand — app design, card art, colours, communications, and customer support tone. AirPay and EML stay invisible to the end user.
Virtual Account Numbers
AirPay wallets come with the option to issue virtual account numbers (AU and NZ). Each wallet-holder gets a unique account number that can receive deposits, incoming transfers, and salary payments — ideal for salary packaging, stipend disbursement, and consumer wallet funding.
Regional Availability:
- Australia
- New Zealand
Multiple Accounts, One Wallet
AirPay wallets can be set up as a master account with multiple sub-accounts. Each sub-account can carry its own rules — parent-and-child cards, departmental expense separation, jam-jar budgeting, or staff allowances. All sub-accounts roll up to a single master for reporting and funding.
ControlPay
AirPay wallets are fully compatible with ControlPay — EML’s spend-control engine. Configure when, where, and how often cardholders can transact, based on rules you set. Limit by merchant category, location, time window, or amount. Changes apply in real time.
Real-time Account Payments
AirPay wallets offer immediate transfer of funds between accounts, whether funded by the cardholder or by your corporate funding account. No overnight batch. Funds are available to spend the moment they’re moved.
Multi-Currency
AirPay’s Bulago wallet supports multiple currencies, reducing the need for costly currency conversion. Linked cards debit in the local currency of the transaction.
Supported Currencies:
- Australian Dollar
- Chinese Yuan
- Euro
- Japanese Yen
Industries we serve
Built for Every Payment Flow
Corporate Expense Cards
Issue virtual cards to employees with pre-set spend rules. Fraud drops, reconciliation speeds up.
Target Buyer:
CFO, Finance Ops
Travel and Transport
Multi-currency travel wallets for business trips, crew pay, and expat allowances. One card, many currencies.
Target Buyer:
Travel Manager, HR
Banking and Financial Services
Neo-bank branded wallets with virtual accounts, spend controls, and personal finance tools — without building the regulated stack.
Target Buyer:
Fintech Product Lead
Salary Packaging and Earned Wage Access
Disburse salary-packaged benefits, meal allowances, or early-access wages onto compliant employee wallets.
Target Buyer:
HR, Payroll
Government and Institutional Disbursement
Fast, auditable payment distribution for stimulus, scholarships, and emergency relief.
Target Buyer:
Gov Programs, Universities
TERMS & CONDITIONS
About AirPay Digital Mastercard Gift Card
Learn more about how to use your AirPay Digital Mastercard Gift Card and review the applicable Terms & Codnitions
Ready to Get Started?
Drop us a message if you want to talk about launching a wallet program — or just to have a chat. We’d love to help.
Innovative Financial Solutions Empowering the Digital Economy
AirPay Financial Technologies Pty Ltd maintains compliance with its obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and applicable New Zealand AML/CFT legislation.
Contact Info
- admin@airpayfintech.com
- +61 2 8046 7682
- Tower One, 100 Barangaroo Ave, Barangaroo NSW 2000
Useful Links
Financial License
AFSL 526194
AAN 100844285
FSP 557526
AUSTRAC IND100844285-001
NZBN 9429046088413
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Compliant with AML/CTF Regulations