Pemo’s card give your team flexible, controlled access to company funds — with full visibility and real-time management. Whether you’re using a physical or virtual card, the process is simple, secure, and powered by Mastercard.
1. Getting Your Pemo Card
Corporate Cards: Designed for everyday business spending. Set cycle-based limits that reset automatically for recurring expenses like subscriptions or team purchases.
Pre-Approval Cards: Made for one-off or flexible spend. Approve a fixed amount that stays available until it’s used, with the option to add or remove funds anytime.
Both card types work in-store and online, giving your team the freedom to spend responsibly while keeping finance in control.
2. Activating Your Card
Virtual cards are ready to use immediately after creation. Physical cards can be activated with just one tap in the Pemo app. Once active, you’ll see all card details (number, expiry, CVV) securely in your app.
3. Making Transactions
With your Pemo card, you can pay at stores, restaurants, or vendors just like any debit/credit card, shop online using your card details, and add your card to mobile wallets (Apple Pay / Google Pay) for faster checkout.
4. Real-Time Expense Tracking
Every transaction made with a Pemo card is instantly visible in your app. You can see where, when, and how much was spent. Receipts and VAT invoices can be uploaded at the time of purchase, while admins get real-time visibility into all team spend.
5. Spend Controls and Limits
Admins can control how each Pemo card is used. They can set daily, weekly, or monthly spend limits, restrict card use by vendor, merchant category (MCC), or country, and freeze or unfreeze cards instantly from the dashboard. This ensures every transaction follows company policies.
6. Approvals and Notifications
If a transaction requires approval, admins are notified instantly. Team members get alerts when their transaction is approved, declined, or flagged. Clear notifications mean no surprises at checkout.
7. Security Built-In
Cards can be frozen instantly in case of loss or suspicious activity. Transactions flagged as unusual trigger fraud checks for extra safety. You’re always in control, with full visibility of who is spending what.
8. End-to-End Integration with Expense Management
Pemo cards aren’t just about making payments—they connect directly to your expense workflows. Expenses are logged automatically when a payment is made, VAT details are captured instantly, and reports and reconciliations are ready at month-end, cutting closing time by up to 5x.
Quick Summary: Admins get control, visibility, and easy reconciliation. Team members get the flexibility to spend when needed, without waiting for approvals. Everyone saves time and avoids manual paperwork.