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.