Cards that automate expenses for MENA businesses

Eliminate expense hassle with Pemo’s corporate cards and all-in-one spend management software.
Trusted by 1000+ Companies

Every expense. One platform.

Pemo packs every invoice, expense, approval and spending decision into one powerful platform.

Corporate cards that automate expenses.

  • Virtual cards for online purchases
  • Cards that run on Mastercard (virtual and physical)
  • Real-time visibility on transactions
  • Flexibility for your teams
  • Security and control for business owners
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Integrate your accounting
system with Pemo
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Say goodbye to expense reports – get total visibility and control of employee expenses.

  • Real-time visibility of every employee expense
  • Virtual and physical cards
  • Set your own spending limits and rules
  • Automate expense claims
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Switch on the invoice autopilot. You close the deals, Pemo does the admin.

  • Automatic data extraction
  • Streamline approvals
  • Manage suppliers
  • Effortless payouts
  • Flawless ERP integration
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Save money every step, every day

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hours saved per month


visibility on operational spend


set up fees

Who is it for?

Pemo is only suitable for business owners that want to ditch the paperwork, effortlessly control their finances, empower their teams and crack on with what they do best: growing a business.

Whatever business sector you are in, whether you are an online headhunting company, a management consultancy, an e–commerce innovator or an ad agency, Pemo is here to unleash your company’s potential.

Tech companies

Run all your subscriptions from one place. Enable your teams to work better and faster without worrying about payments and expense reports.

Trading companies

Automate and optimise your invoice payments. Simplify your workflows and increase your team's efficiency.

Advertising agencies

Get real time visibility into your clients' marketing spend. Monitor and optimise spend levels easily.


Empower your distributed and temporary workforce, while staying in control of their spend.


Automate and integrate your admin. Improve data management processes and waste less time.


Get unique real-time insights into your clients' habits and spend. Optimise budgets and automate expense claims.


Up to 2 card users free.
29AED per additional card user/ Month
For entrepreneurs and small business owners looking to manage their day-to-day expenses.
0AED /  Month
Get started
  • 1 physical card per card user
  • Unlimited virtual cards per card user
  • Mobile app with receipt scanner for managing expenses on-the-go
  • Expense reports created, submitted and approved automatically
  • Card spending limits per user, per purchase or per vendor
  • Unlimited non-card users
  • Excel exports of expenses for easy accounting
  • Google Pay and Samsung Pay
  • Apple Pay COMING SOON
Most Popular
2 card users included.
29AED per additional card user/ Month
For teams looking to streamline their spend management process and stay on top of their finances.
58AED /  Month

Get started
All the benefits of ‘Free’ plus:
  • Cashback on online advertising spend (meta, google, and more)
  • Integration with popular accounting software (Quickbooks, Zoho Books and more)
  • Spend analytics dashboard
  • Company organisation in teams or departments
  • Non-card expense reports creation enabled (Out-of-Pocket expenses) for both card and non-card users
  • Customised multi-level approval workflows
  • Unlimited vendor invoices tracking and approval
  • Unlimited vendor invoices paid directly from your account for free
  • Live chat support
business +
From 20 card users.
Custom pricing
For established companies in need for more finance automation & control, full flexibility and full service.
Contact sales for a price estimate.
Let's talk
All the awesomeness of ‘Essential’ plus:
  • Custom pricing
  • Unlimited physical cards
  • Additional cashback on card spending (2% cashback on FX fees, extra cashback on advertising spend)
  • Custom onboarding and training
  • Dedicated customer success manager
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