You can approve every online card payment straight from the Pemo app.
What changed
Online card payments no longer use SMS one-time passwords. You approve every online payment in the Pemo app instead.
With in-app approvals, you get a push notification, tap it to open the approval page, and copy the verification code shown there into the merchant's checkout field to confirm the payment.
Key benefits
No more waiting on SMS: Your approval code appears in the app, so a weak mobile signal no longer blocks your payment. The code is still time-limited - if it expires or you close the approval page, start a new transaction to get a fresh one.
Fewer declined payments and faster checkout: Missed SMS messages won’t block time-sensitive purchases. Turn on Face ID or fingerprint login for faster approvals.
Better security: In-app approvals reduce risks linked to SIM swaps and phishing.
How it works
Before you start: Anyone with a Pemo card does this, in the Pemo mobile app on their phone. Pemo notifications must be on, or the approval can’t reach you.
Update the app. Update the Pemo app from the App Store or Google Play.
Turn on notifications. Enable Pemo notifications in your phone settings. See Enable Pemo notifications on iPhone (iOS) or Enable Pemo notifications on Android.
Pay online as usual. Use your Pemo card at checkout.
Confirm the payment. Tap the push notification to open the approval page. Review the details, copy the verification code, and enter it in the merchant’s checkout field.
A normal transaction notification confirms the payment went through.
When did this go live?
It has been live since March 2026.
Which payments are covered?
This applies to every online card payment made with your Pemo card.
Do I need to change how I pay online?
No. Pay as usual, then open the approval page in the Pemo app and enter the displayed verification code in the merchant’s checkout field.