Once your Pemo–Wafeq integration is connected, you can export expenses directly into Wafeq as cash expenses. Pemo sends all key fields and attachments, so your accountant doesn’t need to re-enter data.
This guide covers:
Purchase transactions without fees
Purchase transactions with fees
1. What’s required for export
To export a card transaction expense to Wafeq, make sure you’ve added:
Chart of account (required)
For fees, configure in Pemo:
Fee account
Supplier for fees
Fee percentage / logic (e.g. 5% international fee)
2. How to export purchase transactions without fees
Steps to export:
Go to Accounting Export → Transactions in Pemo.
Select the transactions you want to export and mark them as ready.
Click Export.
Where it appears in Wafeq
Go to Purchases → Cash expenses.
All Pemo exports appear there as cash expenses.
What Pemo sends for the main expense:
Chart of accounts
Paid through → Pemo payment account (e.g. Pemo wallet)
Supplier
Pemo reference (so you can find the same transaction back in Pemo)
Date
Amount
Currency → wallet currency (e.g. AED)
Attachment (receipt)
Tax rate
Project (if set)
Description
Exchange rates (FX)
Wafeq does not handle FX using Pemo exchange rates.
Pemo does not send USD + rate.
Pemo exports the actual deducted amount in the local wallet currency only.
For example, if the card transaction is in USD, Wafeq will still receive AED (or your wallet currency).
3. How to export purchase transactions with fees
Because Wafeq cash expenses don’t support line items, Pemo exports fees as separate expenses.
Before exporting:
Set up your fee account in Pemo:
Fee account
Steps to export:
Go to Accounting Export → Transactions.
Select transactions that include fees.
Mark them as ready and click Export.
How it works:
Pemo exports:
1 expense for the main purchase
1 separate expense per fee type
Fee expense details:
Fee amount (in local currency)
Paid through → Pemo wallet
Fee chart of account
Supplier from fee settings
Same reference pattern as the main expense (Pemo reference)
Other values (date, project, etc.) inherited from the main expense
Example: If a transaction has FX fee + cross-border fee, Wafeq will show:
1 expense for the main transaction
1 expense for the FX fee
1 expense for the cross-border fee
How to export a transaction to Wafeq
Exporting to Wafeq sends your Pemo expenses straight into Purchases → Cash expenses as ready-to-review records. No spreadsheets, no double entry.
This guide walks you through the export step by step.
1. Before you export
To export a transaction from Pemo to Wafeq, make sure each expense is properly coded.
For every transaction you want to export, you should:
Set the Chart of account
Choose the Payment account (your Pemo wallet / funding source)
Add an Invoice number if you have one
Attach the receipt or invoice
Add a clear description
(Optional) Set Tax rate and Project
For fees, make sure your Fee settings in Pemo are configured:
Fee account
Fee supplier
Fee percentage / logic (e.g. 5% international fee)
If the required account field is missing, the expense will stay in your export to-do list.
2. How to export a purchase transaction from Pemo
Follow these steps for a normal card expense.
Log in to Pemo.
Go to Accounting Export → Transactions.
Find the transaction you want to export to Wafeq.
Confirm all required fields (especially Chart of account) are filled.
Click Mark as ready and then Export
Pemo will send the expense to Wafeq as a cash expense.
3. Where to find the transaction in Wafeq
In Wafeq:
Log in to Wafeq.
Go to Purchases → Cash expenses.
Look for the record using:
Supplier name
Amount
Date
Or the Pemo reference
All purchases exported from Pemo will appear in this list.
If the transaction has fees, you’ll see multiple cash expenses for the same underlying transaction (one for the main expense, one for each fee).
4. How the main expense is structured in Wafeq
Open the main expense in Wafeq and you’ll see the key data sent from Pemo:
Chart of accounts
The expense account you chose in Pemo.
Paid through
The Pemo payment account (e.g. Pemo wallet) used for the transaction.
Supplier
The vendor you selected in Pemo.
Reference
If an invoice number was set in Pemo → that invoice number.
If not → the Pemo payment/export ID.
Expense date
Taken from the transaction date in Pemo.
Amount
The total in wallet currency (e.g. AED).
Currency
Always the wallet currency, not the original FX currency.
Tax rate
The tax/VAT rate you selected in Pemo.
Project
If you set a project in Pemo, it’s sent to Wafeq.
Description
The memo/description added in Pemo.
Attachment
The receipt attached in Pemo is available as an attachment in Wafeq.
5. How fees are handled
Wafeq cash expenses don’t support line items on a single expense, so Pemo exports fees as separate expenses.
When a transaction includes fees:
Pemo exports:
1 expense for the main purchase, and
1 separate expense for each fee type
The fee expense in Wafeq includes:
Fee amount (in wallet currency, e.g. AED)
Paid through → same Pemo wallet account
Chart of account for fees → from Fee settings
Supplier → from Fee settings
Reference → follows the same structure as the main expense (Pemo reference logic)
Other values (date, project, etc.) → inherited from the main expense
Example: if one transaction has FX fee and cross-border fee, Wafeq will show:
1 cash expense for the main purchase
1 cash expense for the FX fee
1 cash expense for the cross-border fee
6. How we handle exchange rates
Pemo keeps FX simple for Wafeq:
Wafeq does not use exchange rates from Pemo.
Pemo does not export the original USD (or other FX) amount plus a rate.
Instead, Pemo exports the actual deducted amount in local wallet currency only.
So:
If the card transaction is USD 100, but your wallet is AED,
Wafeq receives the AED amount that left your Pemo wallet, with no separate FX line.
This makes it easier to tie Wafeq records back to your wallet movements in Pemo.
7. Attachments and descriptions
To see supporting documentation in Wafeq:
Open the relevant cash expense.
The receipt you attached in Pemo will appear as an attachment.
The description from Pemo is shown on the expense, helping finance understand what the purchase was for.
This keeps your Wafeq records audit-ready without extra document chasing.
8. Quick recap
You export from Pemo → Accounting Export → Transactions.
Expenses land in Wafeq → Purchases → Cash expenses.
Main expense includes chart of account, paid through, supplier, reference, tax, project, description, and receipt.
Each fee type becomes its own expense, linked by shared context and reference.
All amounts are in wallet currency; no FX rates are sent.