When you make an online card payment, you approve it in the Pemo app instead of entering an SMS OTP. Every online card payment needs this in-app approval before it goes through.
Before you start
Any cardholder, whatever their role, completes this approval in the Pemo mobile app on their own phone. Install and update the app, enable push notifications and Face ID or fingerprint in your device settings, and log in using the cardholder’s account credentials.
Approve an online card payment
Open the push notification. When you make an online card payment, you’ll receive a push notification on your phone. Tap it to open the app.
Open the approval page. The notification takes you straight to the payment approval page, where you’ll see the verification code linked to your transaction.
Copy the verification code. You can then return to the merchant’s checkout page, but you cannot complete the payment until you enter the code.
Enter the code on the merchant’s payment page. Paste or type the code into the approval field, then confirm the payment on the merchant’s side.
Once the payment is confirmed, you’ll receive your normal transaction notification, which means the payment went through.
Good to know
You'll see this step for every online card payment - in-app approval replaces the SMS OTP you used to receive at checkout.
The code must be entered on the merchant’s payment page to complete the transaction. After approval, your transaction will appear like any other completed card payment.
Verification codes are tied to the cardholder’s account. They cannot be delivered to admins, other users, or through browser or laptop notifications. Always check the Pemo mobile app.
Troubleshooting
If something prevents you from approving the payment, use the checks below before starting the transaction again.
Didn’t get the push notification?
Open the app and check that push notifications are enabled. Confirm that the app is updated and that you’re logged in to the correct account on the registered device.
Code not working?
Enter the most recent code shown in the app and complete the payment before it expires.
Closed the page by mistake?
If you close the approval page, start the transaction again to generate a new code.