Connecting Pemo to Zoho Books brings your chart of accounts, vendors and VAT rates into Pemo, and lets you export expenses to Zoho Books when you choose.
Before you start
In Pemo, you need to be a Super Admin, Admin or Accountant (Internal or External). In Zoho Books, you must be an Admin: Pemo needs full access to your Zoho Books organization, because it creates a payment account and vendors there, and an Accountant or Staff user cannot grant it. You can connect from the Pemo web app.
Have these ready:
Your Zoho Books login credentials, with 2FA if enabled.
The correct organization if you manage multiple entities.
A designated Bank or Wallet Account in Zoho Books, or create one during setup.
Decide how you will map:
Chart of Accounts (expense categories)
Vendors / Contacts
Tax rates (VAT)
Projects or cost centers
You need a payment account for your Pemo wallet. If you do not already have one, you can create it directly in Pemo during setup.
Connect Pemo to Zoho Books
Log in to Pemo.
Select Accounting export in the left sidebar.
Select Connect accounting system.
In the Pick your accounting system dropdown, select Zoho Books.
Select Get started.
Enter your credentials on the Zoho Books authorization page. If the page doesn't appear, visit zoho.com/books to confirm you're logged in to the correct account.
Select Accept to give Pemo permission to access your accounting data.
Choose the company, or Zoho organization, you want to connect.
Select the Payment Account that represents your Pemo Wallet in Zoho Books. You can select an existing wallet or bank account, or create one directly in Pemo during setup.
Note: To select a different organization, log out of Zoho Books and restart the connection.
You can update or change your payment account at any time from Accounting export → Settings → Default accounts.
After setup, Pemo imports your Chart of Accounts, vendors or contacts, VAT rates, and projects or cost centers from Zoho Books. This keeps your expense categories and accounting structure in Pemo aligned with your Zoho Books configuration.
Once the connection is live, activate Pemo Copilot to fill in the Chart of Accounts and Vendor details on your expenses for you.
Review and organize your expenses
Before exporting, review and complete the accounting fields on your expenses, as described in Reviewing expenses before export.
If you already use manual setup
If your accounting is set up manually in Pemo, Connect accounting system does not appear on the Accounting export page. Connect from the settings instead:
Select Accounting export in the left sidebar, then select Settings above the table.
Open the Accounting system dropdown, which shows Manual setup, and select Connect online accounting system.
Pemo asks Replace your current accounting setup? Connecting removes your manual setup, including your chart of accounts, vendors and related data. Select Continue connecting only if you want to replace it. Otherwise, select Cancel.
Select Zoho Books and complete the connection from step 4 above.
Export expenses
Once your expenses are marked Ready for export, send them to Zoho Books. See Exporting expenses from Pemo to Zoho Books.
Integration permissions
The Zoho Books consent page shows the permissions Pemo needs to connect the two platforms. These permissions allow Pemo to retrieve customers and vendors, retrieve or create payment accounts, export card expenses, export reimbursements and invoices, and retrieve VAT rates, accounting settings, projects, and cost centers.
Pemo does not send expense data to Zoho Books automatically. You mark expenses as ready, then select Export, and only the expenses in that export are sent.