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Cards that automate expenses for UAE businesses

Smart corporate cards, receipt collection, AI-powered accounting, and more. All in one place. For businesses of all sizes.
Get started
Book a demo
Trusted by 6000+ companies

How Pemo works

Pay with your Pemo card

Make purchases effortlessly using your Pemo physical or virtual card — for every
business expense.

Attach your receipt

Snap and submit receipts instantly after every spend, keeping all records organized and accessible.

Track in real-time

Monitor every transaction as it happens, giving you and your team instant insights into spending and budget status.

Automate your accounting

Pemo integrates with your accounting software for easy categorization and real-time sync of transactions.
Pay with your Pemo card
Make purchases effortlessly using your Pemo physical or virtual card — for every business expense.
Attach your receipt
Snap and submit receipts instantly after every spend, keeping all records organized and accessible.
Track in real-time
Monitor every transaction as it happens, giving you and your team instant insights into spending and budget status.
Automate your accounting
Pemo integrates with your accounting software for easy categorization and real-time sync of transactions.
Trusted by 6000+ companies in the GCC

Smarter spending starts here

Eliminate petty cash
Say goodbye to petty cash handling with Pemo’s corporate cards. Enjoy full, instant control over spending.
Skip expense reports
Automate expense management with AI-powered receipt matching and real-time expense tracking.
Control your business spend
Set spending limits, customize approval workflows, and monitor spend in real-time with advanced insights.
Close books 5X faster
Automate accounting with seamless software integration, AI auto-categorization, and instant reconciliation.
Keep spend secure
Freeze or unfreeze cards instantly, control spending by category or location, and stay secure with advanced fraud protection.
Save on every transaction
Earn cashback and rewards on business transactions—making smarter spending both efficient and profitable.

Seamless accounting integrations

Automate your accounting with direct integrations, easy-categorization, and real-time sync for every transaction.
Learn more about accounting integrations
Learn more about accounting integrations
99
%
Of users feel secure using Pemo
138
h
Saved by admins every month
95
%
Of users satisfied or very satisfied with Pemo
7350
AED
Saved per month on average

Empowering businesses, delivering results

Everything you need to efficiently manage business spend

Smart Corporate Cards

Simplify spending with Pemo’s physical and virtual cards. Take charge with advanced controls to set spending limits, restrict by merchant category, or manage by location.
Powered by Mastercard, Pemo cards are accepted everywhere—online, in-store, and with Apple Pay or Google Pay.
Learn more about Pemo cards

Real-time expense management

Experience total transparency and effortless control over every transaction.
With automatic receipt matching, Pemo streamlines expense reporting—saving your team hundreds of hours each month.
Explore real-time expense management

AI-powered accounting automation

Enjoy instant AI-powered expense categorization that syncs directly with your accounting system.
Save hours and eliminate manual effort and errors.
Discover AI-powered automation

Smart Corporate Cards

Simplify spending with Pemo’s physical and virtual cards. Take charge with advanced controls to set spending limits, restrict by merchant category, or manage by location.
Powered by Mastercard, Pemo cards are accepted everywhere—online, in-store, and with Apple Pay or Google Pay.
Learn more about Pemo cards

Real-time expense management

Experience total transparency and effortless control over every transaction.
With automatic receipt matching, Pemo streamlines expense reporting—saving your team hundreds of hours each month.
Explore real-time expense management

AI-powered accounting automation

Enjoy instant AI-powered expense categorization that syncs directly with your accounting system.
Save hours and eliminate manual effort and errors.
Discover AI-powered automation

Substantial cashback and exclusive rewards with every spend

Cashback
Earn up to 2% cashback on business transactions. Turn everyday spending into extra funds for your business.
Travel
Unlock value on every trip with up to 15% off on hotels and complimentary lounge access at top airports worldwide.
Software subscriptions
Access exclusive rates on over 100 essential business platforms, including Google Ads, Meta, Notion, Microsoft, and more.
Explore all the benefits with Pemo

Real success, real stories

See how businesses like yours are achieving more with Pemo—trusted results, lasting impact.
Hear more from our customers
What an ease to manage our petty cash daily expenses with PEMO. We are totally in love with this app. Our daily paperwork, tracking and WhatsApp photos of bills is all sorted by PEMO. I will recommend this amazing app for all business.
Blessila Vas
Finance Controller, Parklane
Financial Services
If it weren't for Pemo I would've been drowned in cash-counting and reconciliations, instead of making key decisions.
Nas Furqan
CFO, Licena Group
Oil & Gas company, 10-50 employees
To be honest using Pemo is amazing it had eased our daily purchases so much. And noting that the system is also easy to use, which makes it a plus for Pemo.
Kareem Saadieh
Business Analyst, APPRO AE
Financial Services, 10-50 employees
The team utilizes Pemo for various financial operations. They find the entire process, from applying for an account to receiving the card and conducting online transactions, to be smooth and easy. Pemo is crucial in facilitating the company's financial activities, making them an integral part of its operations.
Anas Tayyab
Manger Finance and Account,
Salvone Technology Solutions DMCC
IT, 10-50 Employees
It’s been almost two months since our finance team introduced Pemo, and everything is working well on my end. It is a super user-friendly app, we like it a lot!
Sheena Aranzanzo
Admin, The Warrior Group
Events , 10-50 Employees
Best Team and Best app ever.
Abd Alsalam Najjar
HR Manager, LaLaBix
E-Commerce, 10-50 Employees
Using Pemo is hassel free.
Mohsin Bilal
Director, Fractal Systems
Events, 10-50 Employees
Excellent way to track petty cash.
Masud Pervez
Location Manager, Kelvin Catering Services (EMIRATES) LLC
Hospitality, 200+ Employees
Perfect fintech solution for SMEs.
Karan Chauhan
Fonder, Brands Dynamo
E-commerce, 1-50 employees
Reports can be easily generated. Also, there are options to create a report as per our needs.
Al Pada
Admin, STAMGazStroy LLP
Oil & Gas, 100-200 employees
Easy, simple, effective, excellent service team.
Dia Abu Fannas
Senior Legal Consultant
Legal Services, 1-50 employees
Excellent way to track petty cash.
Masud Pervez
Location Manager, Kelvin Catering Services (EMIRATES) LLC
Hospitality, 200+ Employees

Secure, controlled, and protected

At Pemo, security isn’t just a feature—it’s the foundation of our platform.
01.

Secure

PCI-compliant for the highest level of data protection.
02.

Trusted

Powered by Mastercard for global trust and reliability.
03.

Top rated

Loved by businesses, top-rated on G2 for secure financial management.
01.

Secure

PCI-compliant for the highest level of data protection.
02.

Trusted

Powered by Mastercard for global trust and reliability.
03.

Top rated

Loved by businesses, top-rated on G2 for secure financial management.
AS SEEN IN
Find out more

Save time and money with our plans

Transparent pricing designed to help your business grow.
View more

Kickoff

0 AED/month
For entrepreneurs and small business owners looking to manage their day-to-day expenses.
Get started
Most popular

Essential

58 AED/month
For teams looking to streamline their spend management process and stay on top of their finances.
Get started

Business+

Custom Pricing
For established companies in need for more finance automation & control, full flexibility and full service.
Get a price estimate
Corporate cards
Pemo physical cards
Up to 2 cards
2 card users included
20+ card users
Pemo virtual cards
Unlimited
Unlimited
Unlimited
Pemo single use cards
Unlimited
Unlimited
Unlimited
Apple, Samsung, Google Pay
ATM withdrawals
AED 5.25/withdrawal
AED 5.25/withdrawal
AED 5.25/withdrawal
Bulk creation of users and cards
Cashback
0.5%
Up to 2%
Spending analytics
Custom budgets
Expense management and control
AI powered auto-receipt collection and matching
Unlimited
Unlimited
Unlimited
Spend limits per card
Spend limits per purchase
Transaction statements

Kickoff

0 AED/month
For entrepreneurs and small business owners looking to manage their
day-to-day expenses.
Get started
Most popular

Essential

58 AED/month
For teams looking to streamline their spend management process and stay on top of their finances.
Get started

Business+

Custom Pricing
For established companies in need for more finance automation & control, full flexibility and full service.
Get a price estimate
Corporate cards
Pemo physical cards
Up to 2 cards
Pemo physical cards
2 card users included
Pemo physical cards
20+ card users
Pemo virtual cards
Unlimited
Pemo virtual cards
Unlimited
Pemo virtual cards
Unlimited
Pemo single use cards
Unlimited
Pemo single use cards
Unlimited
Pemo single use cards
Unlimited
Apple, Samsung,
Google Pay
Apple, Samsung,
Google Pay
Apple, Samsung,
Google Pay
ATM withdrawals
AED 5.25/with.
ATM withdrawals
AED 5.25/with.
ATM withdrawals
AED 5.25/with.
Bulk creation
of users and cards
Bulk creation
of users and cards
Bulk creation
of users and cards
Cashback
Cashback
0.5%
Cashback
Up to 2%
Spending analytics
Spending analytics
Spending analytics
Custom budgets
Custom budgets
Custom budgets
Expense management
and control
AI powered
auto-receipt
collection and matching
Unlimited
AI powered
auto-receipt
collection and matching
Unlimited
AI powered
auto-receipt
collection and matching
Unlimited
Spend limits per card
Spend limits per card
Spend limits per card
Spend limits per purchase
Spend limits per purchase
Spend limits per purchase
Transaction statements
Transaction statements
Transaction statements

Kickoff

0 AED/month
For entrepreneurs and small business
owners looking to manage their
day-to-day expenses.
Get started
Corporate cards
Pemo physical cards
Up to 2 cards
Pemo virtual cards
Unlimited
Pemo single use cards
Unlimited
Apple, Samsung, Google Pay
ATM withdrawals
AED 5.25/withdrawal
Bulk creation
of users and cards
Cashback
Spending analytics
Custom budgets
Expense management and control
AI powered
auto-receipt
collection
and matching
Unlimited
Spend limits per card
Spend limits per purchase
Transaction statements

Essential

58 AED/month
For teams looking to streamline their spend management process and stay on top of their finances.
Get started
Most popular
Corporate cards
Pemo physical cards
2 card users included
Pemo virtual cards
Unlimited
Pemo single use cards
Unlimited
Apple, Samsung, Google Pay
ATM withdrawals
AED 5.25/withdrawal
Bulk creation
of users and cards
Cashback
0.5%
Spending analytics
Custom budgets
Expense management and control
AI powered
auto-receipt
collection
and matching
Unlimited
Spend limits per card
Spend limits per purchase
Transaction statements

Business+

Custom Pricing
For established companies in need for more finance automation & control, full flexibility and full service.
Get a price estimate
Corporate cards
Pemo physical cards
20+ card users
Pemo virtual cards
Unlimited
Pemo single use cards
Unlimited
Apple, Samsung, Google Pay
ATM withdrawals
AED 5.25/withdrawal
Bulk creation
of users and cards
Cashback
Up to 2%
Spending analytics
Custom budgets
Expense management and control
AI powered
auto-receipt
collection
and matching
Unlimited
Spend limits per card
Spend limits per purchase
Transaction statements
View more

Have questions?

What is Pemo?

Pemo is an innovative expense management platform built for small and medium-sized businesses in the MENA region. We provide a user-friendly solution to automate expense tracking, streamline approvals, and improve financial transparency—all while saving you time and effort. Think of Pemo as your partner in simplifying business finances.

Who is Pemo for?

Pemo is designed for SMEs, startups, and growing businesses looking to take control of their expenses. Whether you’re managing a team or running a business on your own, Pemo helps you reduce manual processes, eliminate errors, and stay on top of your financial game effortlessly.

What makes Pemo different from traditional expense management methods?

At Pemo, we automate and simplify expense management. Say goodbye to spreadsheets, petty cash, and manual entry errors! Our platform gives you real-time visibility and streamlined tracking all in one place—no more juggling multiple systems. Pemo empowers you to save time, reduce errors, and get a clear picture of your finances in seconds.

Can Pemo integrate with my existing accounting software?

Yes, Pemo is designed to work seamlessly with popular accounting systems, allowing for smooth data flow and easy syncing of expenses. This means you can continue using your current software while enjoying all the benefits of automated, real-time expense tracking through Pemo.

Is Pemo secure? How do you protect my business’s financial data?

Security is a top priority at Pemo. We use advanced encryption and multi-factor authentication to safeguard your data. Our platform is compliant with the highest industry standards, ensuring that your financial information is secure and accessible only to authorized users.

How much time can I save by switching to Pemo?

On average, Pemo users save hours each week by reducing manual data entry and paperwork. With automated expense tracking, easy approvals, and a user-friendly interface, you can focus on growing your business while we handle the admin. Most businesses see a 20% time savings within the first month.

See the difference Pemo can make

Join thousands of businesses saving time and money.
Get started
Book a demo
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Eliminate expense hassle with Pemo’s corporate cards and all-in-one spend management software.
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Copyright © 2025 Pemo | All Rights Reserved | Terms and Conditions |  Card terms and Conditions | Privacy Policy
The products and services mentioned on this webpage belong to Pemo Payments Service Provider L.L.C., a private limited company incorporated in the United Arab Emirates with registered number 1081638 and registered address at office no. 09-124, 8th & 9th Floor, The Office 4, We Work, One Central, Dubai World Trade Centre, Dubai, United Arab Emirates. Pemo is a financial technology provider, not a Bank. Pemo does not offer or provide any banking or financial services through itself or affiliated entities. The Pemo card is issued by Nymcard PSP LLC, pursuant to license by Mastercard/Visa.  Nymcard Payment Services LLC is authorized by the Central Bank of The UAE, holding the Retail Payment Services and Card Schemes license in accordance with the Decretal Federal Law Bo. (14) of 2018 regarding the Central Bank & Organization of Financial Institutions and Activities, and Regulatory Framework.