Eliminate expense reports and petty cash

Pemo cards and software work together to simplify and automate your expense reporting - saving hundreds of hours every month.

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Cards + software that monitor your expenses

No manual processes

Expense data captured via card transaction and mobile app

Real-time tracking

Each card transaction instantly turns into a tracked expense

Control spend live

Adjust spending limits and freeze your cards live

Your data is safe

Your Pemo cards data is kept private

Empower your team. Stay in control.

Create physical or virtual cards for each team member, instantly.
Get real-time visibility on expenses by employee, department or geography.
Set your own spending limits and rules. Never spend more than planned.
Capture card transaction details live and automate expense reports.

Focus on results. Forget paperwork.

Never chase employees’ receipts again, Pemo keeps them safe.
Link every expense to its corresponding receipt. Easy and smooth!
Automate reimbursement for employees’ out-of-pocket expenses.
Close your books 5 days faster, it has never been so simple.

Working with an accounting software or ERP? We integrate.

Eliminate manual processes for your finance team.
Sync your Pemo data seamlessly with Quickbooks, Xero, Tally, and more.
Automate your financial processes, save time and focus on what matters.
Keep your Pemo cards, transactions and expense data private with us.

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, 11-50 employees

FAQ

What is Pemo’s
Expense Management solution?

It streamlines the process of tracking, controlling, and reporting business expenses. Seamlessly syncing with Pemo's Corporate Cards, it automates expense workflows, integrates with your accounting software, and provides real-time insights into your company's spending.

How does it benefit
my business?

You save time and reduce errors by automating manual processes. It simplifies expense approvals, ensures compliance with company policies, and provides a clear view of your financials at all times.

Can it integrate with
my existing systems?

Yes, our platform integrates seamlessly with your current accounting and financial systems, ensuring your expense data is always up to date and easily accessible.

How does it help with
real-time tracking?

The solution offers real-time tracking of all your business expenses, allowing you to monitor spending as it happens and make informed decisions quickly.

What is meant
by expense management?

Expense management refers to the process of tracking, controlling, and auditing company expenses. This includes everything from employee reimbursements to company credit card transactions, ensuring all spending aligns with company policies and budgets.

What are the steps
in expense management?

The typical steps include:
‍
Expense Submission: Employees submit their expenses, often with receipts attached.
Review and Approval: Submitted expenses are reviewed and either approved or rejected by management.
Reimbursement: Approved expenses are processed for reimbursement or recorded in the company’s financial system.
Reporting and Auditing: Expenses are categorized, analyzed, and reported for auditing and financial planning.

What is the difference
between spend management
and expense management?

While both involve controlling company spending, spend management is broader, encompassing all aspects of a company’s financial outflows, including procurement and supplier management. Expense management specifically focuses on tracking and managing employee-related expenses, such as travel or business-related purchases.

What is an expense
management system?

An expense management system is a software solution that automates the process of expense submission, approval, and reimbursement. It integrates with accounting systems to streamline workflows, reduce manual errors, and provide real-time visibility into company spending.

How much does expense management software cost?

The cost varies depending on the features, number of users, and the vendor. Prices can range from a few dollars per user per month for basic solutions to higher rates for more comprehensive systems with advanced features like real-time reporting and integrations with multiple accounting platforms. Check out our pricing here.

What does management expenses mean in accounting?

In accounting, management expenses refer to costs incurred in running the company’s operations, such as office supplies, travel expenses, and employee reimbursements. These are usually categorized as operating expenses and are tracked to ensure they are within the company’s budget.

Corporate cards

Get smart virtual and physical cards for yourteam. Our cards sync
with MENA #1 spend management software to control employee expenses.

Invoice payment

Easily collect, approve, pay, and bookkeep every invoice on a single
all–in–one platform.

Accounting Automation

Automate your accounting with direct integrations, easy-categorization, and real-time sync for every transaction.

Integrate your accounting
system with Pemo

Book a demo

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.

Questions?

hello@pemo.io