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Key features at a glance

Updated over 2 months ago

Pemo brings together all the tools businesses need for smarter spend management. Instead of switching between disconnected systems, you get one platform that handles expenses, cards, accounting, and invoices.


1. Corporate cards

Corporate cards give your business complete control over spending.

  • Physical and virtual cards that can be issued in minutes

  • Custom spend limits for teams or individuals

  • Real-time monitoring of every transaction

  • Instant freeze or adjustment if limits need to change

No more waiting for reimbursements or chasing receipts.


2. Expense management

Expense management is seamless with Pemo.

  • Automatic expense capture at the time of transaction

  • Simplified approvals with one-click review

  • Centralised records for easy audits and reporting

  • Built-in compliance so financial data stays accurate and organised


3. Accounting automation with AI copilot

Closing the books manually takes time and often leads to errors. Pemo automates the process to make accounting smoother and faster.

  • AI-powered categorisation automatically assigns expenses to the right accounts

  • Error reduction with smart suggestions that improve over time

  • Faster reconciliation so finance teams can close books up to five times faster

  • Direct integrations with leading accounting platforms, including:

    • QuickBooks – sync expenses directly into one of the world’s most popular SME accounting tools

    • Xero – connect seamlessly with this easy-to-use cloud platform

    • Zoho Books – automate categorisation and reconciliation for growing businesses

    • Wafeq – a MENA-focused accounting platform built for local compliance and advanced reporting

These integrations mean you don’t have to manually export or re-enter data. Pemo ensures your financial records are always accurate and up to date in the software you already use.


4. Invoice management

Invoices can be time-consuming, but Pemo simplifies them:

  • Upload and track invoices directly in the platform

  • Approval workflows ensure proper review before payments

  • Centralised storage makes records easy to access for audits and reporting


Why it matters

Each feature solves a common finance pain point, but together they transform how SMEs manage spending. From issuing cards and capturing expenses to syncing with accounting platforms and streamlining invoices, Pemo gives you a complete system for financial control.

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