Understanding your card status helps you know exactly where things stand and what to do next. Here is a guide to the main statuses you may see in Pemo:

An active card is fully ready for use. You can make payments and track spend in real time. All transactions will be visible instantly in your Pemo dashboard.

No action needed.

Your card request has been submitted but needs approval from your company admin. The card will remain inactive until the admin confirms, and you’ll be notified once it’s approved.

Next step: Wait for admin approval.

Your company account details are being verified before issuing cards. This is a one-time process during onboarding. Cards will only be activated once verification is complete.

Next step: Ensure your company documents are submitted correctly.

Your personal details are being verified before activating the card. This may include ID checks to meet compliance requirements. Until then, your card can’t be used.

Next step: Upload any required documents via Pemo.

Your physical card has been created and is on its way. You’ll receive updates once it’s dispatched. Virtual cards, if issued, remain active immediately.

Next step: Wait for delivery.

Your card has been delivered but needs to be activated. This ensures the right person is using the card. You’ll find activation steps in your Pemo dashboard.

Next step: Follow the activation process in the app.

A frozen card is temporarily disabled. You can’t make transactions until it’s reactivated, but you can contact your admin or Pemo support for help.

This could be due to security reasons, such as unusual transaction volume or large-scale fraud attacks.

Next step: Contact your admin or Pemo support to confirm the reason for the freeze and request reactivation if appropriate. If fraud is suspected, report it to support and then request a replacement card.

A terminated card is permanently deactivated. You can’t use it for any transactions, but you can request a replacement if needed.

This may happen if the card was replaced, cancelled, or terminated due to fraud prevention measures such as large-scale fraud attacks.

Next step: Request a new card if needed. You may also request a virtual card for immediate use while waiting for the physical card to arrive.