For growing businesses, staying in control of company spending shouldn’t mean slowing teams down. Yet for many finance leaders, that’s the reality, long approval chains, unreliable OTPs, and manual processes still stand in the way of smooth financial operations.
If your finance team is still chasing receipts or waiting on SMS codes to approve a simple transaction, it's time to rethink your workflow. There’s a faster, smarter way, and it’s already being used by modern UAE companies today.
The OTP problem: what used to work is now holding you back
One-time passwords (OTPs) were introduced as a layer of payment security. But in today’s fast-moving, mobile-first work environment, OTPs have become more of a hassle than a help.
- Delays in SMS delivery lead to failed transactions
- Missed codes can stall time-sensitive purchases
- Switching between apps creates friction for employees
- Security concerns around SIM swaps and phishing are on the rise
What once seemed secure is now slow, unreliable, and often frustrating for both admins and cardholders. In fact, several leading UAE banks, like ADCB and Wio , have already started replacing OTPs with secure in-app authentication.
Pemo is doing the same for business payments.
Instant approvals, without the OTP drama
With Pemo’s new in-app payment approval feature, cardholders no longer have to wait for a code to arrive by SMS. Instead, they get a real-time notification in the Pemo app and can approve the transaction on the spot , using their fingerprint or face ID.
This doesn’t just make things easier, it removes a major bottleneck from your finance process.
✅ No more waiting on network coverage or code timeouts
✅ No more failed transactions due to missed OTPs
✅ No more delays in campaign launches or last-minute bookings
✅ No more anxiety over whether a payment went through
Why this matters for finance teams
For CFOs and finance managers, speed and control usually live on opposite ends of the spectrum. But with real-time in-app approvals, you can finally have both.
- Control spending in real time : Set limits, approve transactions, and monitor usage instantly
- Enable teams without risk : Give marketing, sales, and operations their own cards without losing oversight
- Reduce end-of-month stress : Fewer delays mean fewer surprises in reporting
- Improve compliance automatically : Every approved transaction is logged, matched, and ready for accounting
Better workflows mean better business
When approvals are smooth, your team moves faster. Campaigns go live on time. Vendors get paid. Hotels get booked. The finance team stays in the loop , but no longer has to act as the bottleneck.
This is what modern business spending should look like: secure, fast, and fully under control.
Getting started with Pemo’s in-app approvals
If you’re already using Pemo cards:
- Update your app to the latest version
- Make sure push notifications are enabled
- Encourage your team to activate fingerprint or Face ID login
If you’re new to Pemo:
- You’ll get access to built-in approval flows, automated receipt matching, custom limits per cardholder, and real-time spend tracking, all from one platform.
Ready to remove the friction?
Stop chasing OTPs, emails, and manual approvals. Empower your teams to move fast with finance fully in control.
👉 Book a free demo of Pemo today
