EML Payments and OneJourney partner to modernize hotel Payments and replace legacy gift vouchers. Strategic partnership combines embedded payments, finance automation and digital stored-value technology to help hotels generate value from supplier payments and modernize guest gift voucher programs. Summary. EML Payments and OneJourney let you streamline supplier payments and automate financial operations by using controlled virtual cards and replacing paper vouchers with secure digital stored-value cards. Luxury and premium hotels gain automated accounts-payable reconciliation, real-time balance visibility and detailed transaction reporting through integrations with QuickBooks, NetSuite, Sage Intacct and Xero at no extra integration cost. MELBOURNE, Australia - June 16th, 2026 - EML Payments, a global payments company, today announced a strategic partnership with OneJourney, an embedded payments and automation platform purpose-built for hospitality, travel and mobility. The new alliance combines EML's regulated card issuing infrastructure with OneJourney's hospitality-focused automation platform to help hotels streamline supplier payments, automate financial operations and replace traditional paper gift vouchers with secure digital stored-value cards. Through the collaboration, the companies will now deliver a unified payment ecosystem that enables hotels to create efficiency and monetary values from everyday supplier payments, improve financial visibility, and offer guests a more seamless gifting and redemption experience. Luxury and premium hotels are the initial focus for the partnership, reflecting the sector's complex supplier networks, significant operational spend and demand for elevated guest experiences. "The hospitality industry is a global vertical market with enormous, under-served payment volume, and OneJourney brings the platform and the channel to capture it," said Eric Hoffman, Head of Commercial, EML Payments. "Together, we're giving hotels a way to make their everyday spend work harder, from supplier payments to guest rewards, on infrastructure built for scale, security and operational efficiency." One of the partnership's primary features addresses a longstanding challenge in hotel finance operations. Hotels process large volumes of payments to suppliers, technology providers, agencies and service partners, many of these payments still rely on bank transfers or manual payment processes. Through the OneJourney platform, eligible supplier payments can be issued as controlled virtual cards powered by EML's infrastructure, enabling automated reconciliation, enhanced security and detailed transaction reporting. The result is a more efficient accounts payable process that can generate revenue through card payment economics, as well as reducing administrative workload for finance teams. The combined platform integrates with leading accounting systems, including QuickBooks, NetSuite, Sage Intacct and Xero, while maintaining compatibility with existing banking relationships. In addition, implementation requires no integration costs or capital investment, further strengthening the financial benefits of the platform for hotel organizations and streamlining its deployment. Another key benefit of the new partnership is the modernization of hotel gifting programs, an area that has long relied on paper certificates and PDF vouchers. Using EML-issued digital stored-value cards, hotel properties can provide guests with instantly delivered, secure digital gifting options that can be stored on a mobile device, redeemed across the property and monitored through real-time balance visibility. Finance teams benefit from automated reconciliation, improved liability management and richer data on guest spending behavior. The same stored-value infrastructure can also support loyalty, rewards and promotional programs, creating new opportunities for guest engagement and repeat business. "Every hotel pays suppliers and issues gift vouchers, yet both processes have remained largely unchanged for decades," said Brian Dass, Co-Founder and CEO of OneJourney. "Our partnership with EML gives hotels a modern payments foundation that transforms supplier payments into a strategic financial asset and replaces outdated voucher systems with secure, trackable digital stored-value. Hotels can adopt these capabilities without changing their banking relationships or investing in complex technology projects." The new partnership between EML Payments and OneJourney reflects a broader shift across hospitality toward embedded financial services that improve operational efficiency while enhancing the guest experience. By combining payment infrastructure, automation and hospitality-specific workflows, EML and OneJourney are helping hotels modernize how money moves throughout the business. OneJourney Andrea Mane ProVision Partners +1 (407) 716-9040 OneJourney is an embedded-payments company built for hospitality. Its flagship platform, SwiftPay, helps hotels convert the payments they already make - to suppliers, vendors and partners - into incremental revenue and automated savings, with no cost and no added risk to the property. By combining virtual commercial cards, supplier payment workflows, AI-driven invoice and reconciliation automation, cashback on eligible spend, and transparent reporting, OneJourney gives independent hotels ownership of a payment layer they have historically left to others. OneJourney is operated by Hotel Direct, LLC (d/b/a OneJourney and Swift Services), based in Miami Beach, Florida. EML Payments is a global payments company that creates instant, secure and configurable payment solutions, moving more than AUD$80 billion across 27 countries each year. EML provides regulated card issuing infrastructure, including BIN sponsorship, network connectivity, authorization, clearing and settlement services that power branded card and stored-value programs worldwide.

QVG Capital Pty Ltd has acquired a substantial shareholding in EML Payments Ltd, purchasing 9,858,837 shares. This acquisition represents a significant investment in EML Payments, reflecting confidence in the company’s prospects and potential for growth in the financial market.