Every SME wants to manage spending faster, more accurately, and with full control. Many face challenges like missing receipts, delayed reimbursements, and manual reconciliation. Pemo solves these with seamless automation, real-time insights, and powerful accounting integrations.
Save valuable time
Manual expense tracking eats up hours—especially at month-end. Pemo eliminates that:
Instant transaction capture: Each purchase is logged the moment it happens.
Efficient approvals: Managers can review and approve expenses immediately—no waiting for reports.
Faster book closing: With automation, many businesses close books up to five times faster.
Example: Instead of chasing receipts for days, a finance manager can review live expense data daily and close the month in just a few days.
Gain full control over spending
Disorganization leads to overspending. Pemo keeps you on track:
Set spend limits — per card or per team — to stay within budgets.
Adjust instantly — top up, lower, or freeze cards as business needs change.
Get 360° visibility — every transaction appears in your dashboard in real time.
This proactive control means fewer surprises and smarter budgeting.
Improve accuracy with automation
Manual entries invite mistakes. Pemo’s AI copilot ensures precision:
Smart categorisation — expenses are tagged automatically to the correct accounts.
Intelligent suggestions — the AI learns your patterns and helps reduce errors over time.
Direct sync to accounting — your data flows straight into your accounting system—no manual uploads.
Streamline invoice management
Invoices often get lost or delayed. Pemo simplifies the process:
Digital uploads — store all invoices in one secure place.
Approval workflows — route invoices to the right approvers before payment.
Scheduled payments — avoid late fees with planned disbursements.
Central archive — invoices are searchable and audit-ready whenever you need them.
Top accounting platforms that integrate with Pemo
Pemo makes life easier by connecting with leading accounting solutions that SME teams already use. These include:
QuickBooks — a go-to for many small businesses. Pemo sends your expense data directly to QuickBooks for smooth accounting workflows.
Xero — a cloud accounting favorite for its simplicity and collaboration tools. Pemo supports real-time syncing here too.
Zoho Books — a comprehensive financial tool suited for startups and SMEs. Pemo integrates to automate categorisation and reconciliation.
Wafeq — a MENA-focused accounting platform. The Wafeq–Pemo partnership brings advanced expense tracking into one unified system.
The overall business impact
By combining smart card control, live expense tracking, AI accuracy, invoice workflows, and integrations with QuickBooks, Xero, Zoho Books, and Wafeq, Pemo delivers:
Time savings on routine tasks and faster book closing
Accuracy improvements with smarter categorisation and fewer errors
Real-time visibility into company expenses
Simplified accounting by syncing directly with your existing software
Why it matters
Pemo isn’t just another tool—it’s a complete system that transforms how your business handles spend. By automating processes and integrating with the accounting platforms you already trust, Pemo frees up your finance team to focus on more strategic work.