Pemo pricing is based on monthly subscription fees, and these plans are based on the features and number of card users you need.
A "Card User" is a user on Pemo that has one or more cards (physical or virtual) assigned to their name.
Subscription plans
KICKOFF
0 AED/ Month
2 Card Users included
29AED per additional card user/ Month
ESSENTIAL
58 AED/ Month
2 Card Users included
29AED per additional card user/ Month
BUSINESS +
Contact sales for a price estimate
Unlimited users. Minimum 20 card users.
When you sign up, by default, you will be on the KICKOFF plan.
💳 Features by Plan
Feature | KICKOFF | ESSENTIAL | BUSINESS+ |
Cards and Expenses |
|
|
|
1 physical card per card user | ✅ | ✅ | ✅ |
Unlimited virtual cards per card user | ✅ | ✅ | ✅ |
Card spending limits per user, per purchase, or per vendor | ✅ | ✅ | ✅ |
Expense reports created automatically from card transactions | ✅ | ✅ | ✅ |
Mobile app with receipt scanner | ✅ | ✅ | ✅ |
Google Pay, Samsung Pay, and Apple Pay | ✅ | ✅ | ✅ |
Out-of-pocket (non-card) expenses enabled | ✅ | ✅ | ✅ |
Unlimited non-card users | ✅ | ✅ | ✅ |
Unlimited card users | ✅ | ✅ | ✅ |
Cashback |
|
|
|
Up to 1% cashback on online advertising (0.5% guaranteed) | ✅ | ✅ | ✅ |
Extra cashback on FX fees (up to 2%) and advertising spend | – | – | ✅ |
Expense Reports & Accounting |
|
|
|
CSV exports of expenses | ✅ | ✅ | ✅ |
Integration with accounting software (QuickBooks, Zoho Books, etc.) | ✅ | ✅ | ✅ |
Account & Spend Management |
|
|
|
Spend analytics dashboard | ✅ | ✅ | ✅ |
Company organisation in teams or departments | – | ✅ | ✅ |
Customised multi-level approval workflows | – | – | ✅ |
Live chat support | ✅ | ✅ | ✅ |
Dedicated customer success manager | – | ✅ | ✅ |
Custom onboarding and training | – | – | ✅ |
Vendor Invoice Management |
|
|
|
Unlimited vendor invoice tracking and approval | ✅ | ✅ | ✅ |
Pay vendor invoices directly from your account (no fee) | ✅ | ✅ | ✅ |
💰 Other Pricing Breakdown
Fee Type | Amount |
Card Activation and Periodic Fees |
|
Initial Physical Card Issuance Fee | AED 0 |
Initial Virtual Card Fee | AED 0 |
Replacement Card Fee (Expiry) | AED 0 |
Replacement Card Fee (Lost) | AED 40 |
Master Wallet Loading Fees |
|
Loading by Bank Transfer | AED 0 |
Unloading from Wallet | AED 0 |
Transaction Fees |
|
Domestic ATM Withdrawal | AED 5.25 |
International ATM Withdrawal | AED 26.25 |
ATM Balance Inquiry | AED 0 |
ATM Decline | AED 0 |
Domestic Card Payment | AED 0 |
International Card Payment | AED 0 |
Online/E-commerce Payment | AED 0 |
Card Refund | AED 0 |