You signed up for MamoPay expecting a simple way to issue corporate cards and collect payments from your clients.
Three months in, your payouts are on hold, your account is flagged, and the support team can't explain what went wrong.
It's a pattern showing up across Trustpilot and Capterra reviews from UAE businesses that trusted MamoPay with their revenue.
That's why I put together this list of the 10 best MamoPay alternatives in 2026, so you can find a spend management platform that keeps your funds accessible and your business moving.
TL;DR
- Pemo is the best MamoPay alternative in 2026 for companies that want corporate cards, real-time expense tracking, and AI-powered accounting automation without risking their cash flow.
- Qashio, Alaan, and Pluto are strong picks for teams that need smart corporate cards with rewards, AI analytics, and automated reconciliation with their existing accounting software.
- If global reimbursements or travel expense management is your priority, Tipalti, Rydoo, and Spendesk are purpose-built for those workflows.
Why look for MamoPay alternatives?
I want to be fair here: MamoPay isn't a bad platform.
Users on Capterra give it a 4.4 out of 5 for ease of use, and several reviewers praise how quickly you can start accepting payments through shared links and QR codes.
That said, some users have flagged real issues that are worth knowing about before you commit: 👇
#1: Account freezes that lock your funds for up to 18 months
Multiple merchants describe the same pattern: you onboard, process payments for weeks or months, then your account gets frozen without any clear explanation.
Funds are held for a minimum of 180 days, and in many cases, the hold gets extended to 540 days.
"We are the client of mamopay since 2024, but in Nov 2024 our payout has been put on hold for 6 months, as 6 months are about to get finished we were been informed that the hold is extended for 540 days which is totally unrealistic as we are not been informed any reason." - Trustpilot Review
#2: Customer support drops off after you sign up
Several reviewers mention that MamoPay's support team is responsive during onboarding, but becomes slow or unresponsive once you're a paying customer.
This is especially frustrating when you're trying to resolve an account issue or get clarity on a frozen payout.
"Support vanished after full payment was made, as if we no longer mattered. We were left to figure everything out alone, and despite repeated attempts to reach out across multiple platforms, silence stretched on for weeks." - Trustpilot Review
#3: Per-transaction fees add up, and settlements take 5 business days
MamoPay charges 2.9% plus AED 1 on every transaction with its free plan, which is above what some UAE competitors charge.
Standard payouts take 5 business days to reach your bank, while other payment providers in the region settle in 48 hours.
"5 days for payout to account bank other payment getway can do it 48 hours." - Capterra Review
What are the best alternatives to MamoPay in 2026?
The best alternatives to MamoPay in 2026 are Pemo, Qashio, and Alaan.
Here's my shortlist of the 10 best MamoPay alternatives on the market:
#1: Pemo
Pemo is the best MamoPay alternative in 2026 for UAE businesses that want corporate cards, real-time expense tracking, and AI-powered accounting automation without risking frozen funds or paying per-transaction fees.
Full disclosure: Pemo is our platform, but I'll give you an honest breakdown of why it stands out and where it fits.
With Pemo, your team gets smart virtual and physical corporate cards in the UAE, with no setup fees and full visibility into every dirham spent.
Our cards sync with MENA's leading spend management platform to help you control employee expenses, automate your accounting, and close books faster.
Let's go over the capabilities that make Pemo the best option for teams looking to switch from MamoPay: 👇
Issue Virtual Corporate Cards Without the Fund-Freeze Risk
One of the biggest reasons businesses leave MamoPay is the fear of waking up to a frozen account.
With Pemo, your money stays in your own wallet, and you control exactly how much each employee can spend.
Unlike MamoPay, where funds can be held for up to 540 days with no explanation, Pemo runs on a prepaid model.
You load your wallet via bank transfer, and your team spends from that balance.
No third-party holds. No surprise freezes.
Here are some of the things our customers love about this:
- Create unlimited virtual cards on any plan, including the free one. No caps, no waiting periods.
- Assign cards to individual team members with custom spending limits, whether that's per-transaction, daily, or monthly.
- Freeze or block any card instantly from the app if someone misuses it or a card goes missing at a conference.
- Earn cashback on online advertising spend (Google Ads, Meta) and up to 2% cashback on FX transactions.
Expense Management That Runs on Autopilot
Every card transaction becomes a tracked expense the moment it happens, not at month-end when your finance team is scrambling to close the books.
Here's what makes this work:
- When an employee swipes their Pemo card, they get a push notification to snap the receipt. Our AI matches it to the transaction automatically.
- If they forget, the system flags the missing receipt for finance. No more chasing 30 people over WhatsApp for missing paperwork.
- Multi-level approval workflows are fully configurable. Marketing spend routes to the CMO. Anything above AED 5,000 goes to the CFO. Travel expenses go to the office manager.
- Out-of-pocket expenses get submitted through the same app with the same receipt-capture flow.
Advanced Accounting Automations with Pemo Copilot
While MamoPay offers basic Xero integration and Zapier connections, Pemo Copilot auto-categorizes every expense by your Chart of Accounts, assigns the correct vendor, and tags VAT treatment based on patterns it picks up from your past data.
The more you use it, the smarter it gets.
Our direct integrations push this data straight into QuickBooks, Xero, Zoho Books, Wafeq, Tally, and Microsoft Dynamics 365. No CSV exports. No manual journal entries.
Here's why your accounting team will notice the difference:
- Transaction data moves automatically between Pemo and your accounting software. Zero re-entry.
- Expenses are auto-categorized into your chart of accounts, which helps close books up to 5x faster.
- VAT tracking is built in, keeping your corporate tax preparation organized without extra steps.
Automate Invoice Payments
Pemo lets you put your invoice payments on autopilot by collecting, approving, paying, and managing the bookkeeping for every vendor bill.
Each invoice routes through your approval workflow with a full audit trail. Once approved, you pay directly from your Pemo account.
Approvers only see what they need to review and stay in control of upcoming payments.
And Pemo helps you cut international transfer costs with lower fees than some competitors charge.
How does Pemo compare to MamoPay?
MamoPay is a decent option for businesses that primarily need to collect payments from clients through payment links and QR codes.
It also offers corporate cards with cashback on non-AED transactions.
But Pemo takes a different approach.
Where MamoPay charges 2.7% per transaction on its paid plan and settles funds over 5 business days, Pemo has no per-transaction fees on card spending and gives you real-time visibility the second a purchase happens.
And where MamoPay users report funds being frozen for months without explanation, Pemo's prepaid model means your money stays under your control.
MamoPay helps you accept payments from clients.
Pemo helps you manage how your team spends, automate accounting, process invoices, and close books faster, all from one platform that starts free.
Pemo's Pricing
Pemo has a free plan for up to 2 physical cardholders that gives you unlimited virtual cards per user, a mobile app, expense reports, card spending limits, and Excel exports.
To access Pemo's advanced expense and accounting features, you'd need one of the 2 paid plans:
- Essential: Starts from AED 29/month for 1 card user, which adds cashback on online advertising spend, integration with popular accounting platforms, spend analytics, and more.
- Business plan: Custom pricing starting from 20 card users, which adds additional cashback on card spending, custom onboarding and training, and a dedicated CSM.
Want to learn more about Pemo's pricing to issue virtual cards to your team, eliminate expense hassle, and automate your invoice payments?
You can book a demo with our team and learn more about why over 10,000 companies in the MENA region have chosen us.
Pemo's Pros and Cons
✅ Real-time expense tracking from the moment a card is swiped.
✅ Integrations with QuickBooks, Xero, Zoho Books, Wafeq, and Tally.
✅ Automate invoice payments and approval flows.
✅ Cashback on online advertising spend and up to 2% back on FX transactions.
✅ Free plan for up to 2 card users with unlimited virtual cards.
❌ You can't top up your wallet with cash, card, or cheque. Loading requires a bank transfer from a business bank account under your verified entity name.
#2: Qashio
Best for: Eliminating petty cash with smart corporate cards and AI-powered receipt tracking.
Similar to: Alaan.
Qashio is a spend management platform built for UAE businesses that want to cut out manual cash handling and give their teams smart corporate cards with rewards.
The platform stands out for its AI receipt tracking through WhatsApp and email, which lets employees submit receipts without opening a separate app.
Features
- AI-powered receipt tracking that allows employees to send receipts via WhatsApp or email, with automatic matching to the correct transaction.
- Connections with major ERPs like Dynamics365, Oracle NetSuite, SAP, Xero, and Zoho to automate your financial workflows.
- Instant creation of smart corporate cards with granular spending controls and live visibility into every purchase your team makes.
Pricing
Qashio has a free plan covering up to 3 users with 6 cards and instant Visa card creation.
The platform has 4 paid tiers:
- Plus: $125/month (billed annually). Adds AI-powered receipt submission through WhatsApp and email.
- Premium: $250/month (billed annually). Adds recurring weekly, monthly, and annual spending limits.
- Business plan: $500/month (billed annually). Adds auto-receipt collection and matching.
- Enterprise: Custom pricing.
Pros and Cons
✅ ERP connections and multi-level approval workflows on the free tier.
✅ AI receipt tracking through WhatsApp is genuinely convenient.
✅ Advanced accounting segmentation and department mapping.
❌ Auto-receipt matching is locked behind the $500/month plan, which is why some teams have been looking for Qashio alternatives.
❌ Setup can be complex for smaller teams without dedicated IT support.
#3: Alaan
Best for: AI-powered spending analytics and automated receipt matching for UAE-based teams.
Similar to: Pemo, Pluto.
Alaan is a UAE-based spend management platform that pairs virtual corporate cards with an AI analytics dashboard to give your leadership team a detailed view of all business expenses.
The platform is known for its customizable approval workflows and up to 2% cashback on all transactions.
Features
- AI-powered analytics that help your finance team analyze corporate spending patterns and spot trends across departments.
- Automatic receipt matching, where employees upload receipts with one click, and Alaan's system pairs them with the correct transaction.
- Built-in card controls that let you set budgets and decide where and how each corporate card can be used, down to specific merchant categories.
Pricing
Alaan offers a free tier for up to 3 users with real-time expense tracking and access to Google Pay and Apple Pay.
The platform has 2 paid plans:
- Premium: AED 499/month for up to 50 users. Adds up to 2% cashback, unlimited cards per user, and real-time reporting.
- Enterprise: Custom pricing for unlimited users with custom HR integrations and native ERP connections.
Pros and Cons
✅ Up to 2% cashback on all transactions.
✅ AI-powered analytics dashboard for deeper spending visibility.
✅ Customizable approval workflows.
❌ Paid plans start from AED 499/month, which is significantly steeper than most alternatives, which is why some teams have been looking for Alaan alternatives.
❌ Users report limited customization options when building reports.
#4: Pluto
Best for: Automated expense reconciliation and account payables management with real-time accounting sync.
Similar to: Pemo, Alaan.
Pluto is a UAE-based spend management platform built for enterprises that want to simplify their financial processes through automation.
What sets it apart is a generous free tier and real-time reconciliation that connects directly with your accounting software without manual exports.
Features
- Custom approval workflows that adapt to your company's hierarchy, so the right people sign off on expenses at the right time.
- Real-time automatic reconciliation that syncs with Xero, Zoho, and Dynamics, keeping your books current without manual data entry.
- Unlimited corporate cards with budget controls. The system also automatically logs ATM withdrawals as unreconciled cash and follows up with employees for receipts.
Pricing
Pluto has a free plan for up to 5 corporate card users that includes 10 virtual cards per user and 1 physical card per user.
The platform has 2 paid plans:
- Growth: $99/month, which covers 30 users ($9/month per additional user).
- Enterprise: Custom pricing with unlimited users.
Pros and Cons
✅ Free plan covers up to 5 users with a solid set of features.
✅ Workflow builder for expense approvals that adapts to your org structure.
✅ Real-time reconciliation with your accounting stack.
❌ Spending limits can only be set to daily, monthly, or annual, with no per-transaction option.
#5: Rydoo
Best for: AI-powered expense management with smart audit and near-perfect receipt scanning.
Similar to: Tipalti.
Rydoo is an AI-powered expense management tool that automates the process from claim submission to reimbursement, giving finance teams live visibility into company spending.
The platform's receipt scanner claims high accuracy when auto-populating expense details, making it one of the fastest options for submitting error-free expense claims.
Features
- Smart Audit that automatically reviews employee expenses and flags anything non-compliant or suspicious before it reaches your books.
- Customizable spending policies where you configure controls, define approval flows, and automate reconciliation to match your company's rules.
- Quick scanning that lets employees submit expenses in about 10 seconds by snapping a receipt photo from their phone.
Pricing
Rydoo offers four pricing tiers:
- Essentials: $9/user/month (billed annually). Mobile app with receipt scanner, unlimited expenses, and basic integrations.
- Pro: $11/user/month (billed annually). Adds per diems, online accounting integrations, and customizable policies.
- Business: Custom pricing. Adds SFTP access, API access, and priority support.
- Enterprise: Custom pricing. Advanced approval workflows, SSO, and an insights dashboard.
Pros and Cons
✅ Intuitive interface that's easy for employees to adopt.
✅ Automatic receipt scanner that saves real time on expense submissions.
✅ Strong expense tracking with good spending controls.
❌ Some users find the admin configuration complex.
❌ Integration with third-party products can be limited, and sync issues sometimes cause delays.
#6: Xpence
Best for: Automated bookkeeping with real-time transaction categorization and spending analytics.
Similar to: Pluto, Pemo.
Xpence provides virtual Visa cards and spend management software for UAE businesses, with automatic categorization of every transaction and built-in receipt capture.
What caught my attention is its data analytics layer that breaks down your employees' spending habits with corporate cards, helping you spot trends and outliers quickly.
Features
- Instant virtual card creation so your team can start making online purchases immediately, with no waiting for physical cards.
- Real-time automatic categorization of every business transaction and expense, reducing manual bookkeeping.
- Spending analytics that give you a detailed breakdown of how your employees use their corporate cards across vendors and categories.
Pricing
Xpence does not disclose its pricing, so you'd have to contact their team to get a demo and a quote.
Pros and Cons
✅ Good for managing SaaS subscription spend.
✅ Real-time spending tracking with approval workflows.
✅ Advanced spending controls and analytics.
❌ Pricing is not disclosed.
#7: Tipalti
Best for: Global reimbursements across 196 countries in over 120 currencies.
Similar to: Happay.
Tipalti is a scalable expense and reimbursement platform that simplifies the workflow for reviewing, approving, reconciling, and reimbursing employee expenses, especially for teams with international operations.
The platform handles card spending and reconciliation across Mastercard, Visa, AmEx, and its own Tipalti Card.
Features
- Global reimbursements to 196 countries using over 50 payment methods in more than 120 currencies, making it a strong pick for internationally distributed teams.
- Corporate card support that covers employee spending and transaction reconciliation across multiple card providers.
- Instant reconciliation that speeds up your monthly close by 25% through connections with NetSuite, Sage Intacct, and QuickBooks.
Pricing
Tipalti offers three pricing tiers:
- Select: $99/month. Includes supplier portal, AI Smart Scan invoice processing, and ERP integrations.
- Advanced: $199/month. Adds global multi-entity and multi-currency infrastructure with 2 and 3-way PO matching.
- Elevate: Custom pricing. Full procurement solution with Slack integrations and budget management.
Pros and Cons
✅ Automates accounts payable and cuts manual work significantly.
✅ Suppliers can self-serve and update their own information directly.
✅ Automatic sync with NetSuite saves hours on manual uploads.
❌ Some G2 reviews mention technical glitches and payment processing delays.
❌ The procurement and accounts payable modules don't always connect well, requiring separate admin in some cases.
#8: Spendesk
Best for: Employee expense reimbursements without paperwork.
Similar to: Qashio.
Spendesk is a spend management platform that bundles spending approvals, employee reimbursement, and invoice management for businesses operating in the UAE.
Its OCR technology captures and extracts receipt details automatically, and the mobile app lets employees request fast reimbursements by snapping a photo of their receipt.
Features
- Real-time expense monitoring so your finance team can catch errors and missing receipts before they become compliance issues.
- A mobile app for quick reimbursements. Employees take a photo of their receipt, and the platform processes it within the approval flow.
- Duplicate invoice detection that spots errors before they hit your books, saving your team from costly double payments.
Pricing
Spendesk offers 2 paid tiers with custom pricing for both, so you'd have to contact their team for a quote.
Pros and Cons
✅ End-to-end invoice management with accounting integrations.
✅ Catches duplicate invoices and errors before they cost you.
✅ Advanced budgeting controls for real-time spend tracking.
❌ Pricing isn't transparent. You won't know the cost until you talk to sales.
❌ According to G2 reviews, the virtual cards can be glitchy.
#9: Happay
Best for: Travel and expense management with AI-powered fraud detection.
Similar to: Xpence, Tipalti.
Happay automates the full expense lifecycle, from pre-trip bookings to post-trip reconciliation, with a focus on reducing manual work for both employees and your finance team.
The platform's Smart Audit system is designed to catch anomalies like duplicate bills, amount mismatches, and spending that falls outside your company's policy.
Features
- AI-powered OCR that lets employees scan receipts and auto-capture expense fields in under a minute, removing the need to hold on to paper receipts.
- Smart Audit system with built-in checks for duplicate bills, amount mismatches, and out-of-policy spend, helping you spot fraud early.
- ReconX gives you a complete view of every business trip with an on-demand reconciled statement, including booking details and payment data.
Pricing
Happay does not disclose its pricing, so you'd have to contact their team for a product demo and a quote.
Pros and Cons
✅ Strong for managing travel-related employee expenses.
✅ Built-in fraud detection catches anomalies before they reach your books.
✅ Automated expense reporting tied directly to trips.
❌ Pricing isn't public, which makes it hard to compare without committing to a sales call.
#10: HSBC Virtual Card
Best for: Managing large-value, high-volume supplier payments with enterprise-grade security.
Similar to: Emirates Islamic Bank.
HSBC provides a standalone virtual card platform where business leaders can generate single-use and multi-use virtual cards for secure supplier payments.
It's a strong fit for larger enterprises that need to handle high-volume, repeat vendor payments with bank-level fraud protection and compliance.
Features
- Generate unique account and card numbers for each transaction through HSBC's Virtual Cards Online Portal, with immediate payment processing.
- Personalized reporting and reconciliation tools that help you compare costs across vendors and keep expenses organized.
- The system lets you add custom data fields to transactions for more granular expense tracking and audit preparation.
Pricing
HSBC does not disclose pricing for its virtual card. You'd need to fill in a questionnaire and wait for the bank to get back to you.
Pros and Cons
✅ Advanced fraud detection and zero-liability protections.
✅ Set specific spending limits, expiration dates, and usage rules for every card.
✅ Bank-grade security.
❌ Pricing is completely hidden behind a questionnaire process.
Sign up for Pemo for free
I went over 10 alternatives to MamoPay, covering UAE-based spend management platforms, international expense tools, and bank-issued virtual cards.
Some are built for global reimbursements, while others focus on travel expenses or automated reconciliation.
The reason I believe Pemo is the best alternative to MamoPay is that it removes some of the frictions that UAE businesses face every day:
- No per-transaction fees eating into your margins on every card purchase.
- No risk of funds being frozen for months with zero explanation.
- AI-powered accounting that categorizes expenses, tags VAT, and syncs with your software automatically.
- Real-time visibility into every dirham your team spends, the moment they spend it.
Pemo helps UAE businesses shift their focus from chasing receipts and reconciling spreadsheets to actually growing the company.
If you're looking for a spend management platform that offers:
- Automated approval flows for invoices and expenses.
- Direct integrations with QuickBooks, Xero, Zoho Books, Wafeq, and Tally.
- Real-time spending controls with per-transaction, daily, and monthly limits.
- Cashback on ad spend and up to 2% back on FX transactions.
- A network of over 300 partner discounts on tools like Careem, Booking.com, Google Ads, talabat, and CAFU.
Then you can sign up for Pemo's free plan or book a demo to see why over 10,000 businesses in the MENA region have chosen us.
