Pemo pricing is based on a monthly subscription. Each plan is built around the corporate card and expense management features your company needs, not the number of employees you have, each plan has unlimited user and unlimited physical and virtual cards, and differs by functionality it offers.
Already a Pemo customer? Every existing customer moves to the closest equivalent plan on 1 Jul 2026, and no one loses a feature in the process. Kickoff and Beta customers move to Starter, keeping unlimited cards, unlimited users, and accounting integration at no extra cost. Business+ customers move to Enterprise. Existing Essential customers keep their current plan, features, and pricing unchanged. If you have any inquiries or need clarification, please reach out to your Customer Success Manager.
Subscription plans
Starter
Free. No SaaS fees, no commitment.
For teams getting started with corporate cards and expense management.
Premium
AED 399/month per company
For growing companies that need approval workflows, advanced controls, and cashback on international spend.
Enterprise
Starting from AED 1,500/month. Contact sales for a price estimate.
For larger organizations with multi-entity needs, ERP integration, and international card requirements.
New to Pemo? Every new company starts on the Starter plan and can upgrade to Premium at any time from within the app.
Features by plan
Feature | Starter | Premium | Enterprise |
Corporate cards |
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|
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Unlimited cards and cardholders, instant issuance, Apple Pay / Google Pay, online and offline payments, 3DS | ✅ | ✅ | ✅ |
Dedicated IBAN | ✅ | ✅ | ✅ |
ATM withdrawals (off by default, on request) | – | ✅ | ✅ |
MCC / spend category restrictions | – | ✅ | ✅ |
Reimbursements management | – | ✅ | ✅ |
Employee cash balance | – | ✅ | ✅ |
International cards for employees outside the UAE | – | – | ✅ |
Expense management and control |
|
|
|
Limits, real-time expense creation, mobile receipts, email receipts, OCR matching, bulk approvals | ✅ | ✅ | ✅ |
VAT visibility | – | ✅ | ✅ |
AI Copilot, receipt verification and matching | ✅ | ✅ | ✅ |
Split expenses into line items | – | ✅ | ✅ |
Receipt reminders, duplicate detection, non-card expense tracking | – | ✅ | ✅ |
Default submission and approval policies | ✅ | ✅ | ✅ |
Advanced submission policies, multi-layer approval workflows, maker-checker on card actions | – | ✅ | ✅ |
Spend policies and controls |
|
|
|
Sub wallets | – | 3 | Unlimited |
Budgets | – | – | ✅ |
Per-transaction limits | ✅ | ✅ | ✅ |
Approval-based and pre-approval cards | – | ✅ | ✅ |
Card benefits |
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|
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Corporate liability waiver, partner rewards, FX best price guarantee | ✅ | ✅ | ✅ |
Cashback on international spend | 0.5% | Up to 2% flat, uncapped | Custom |
Cashback on domestic spend | – | – | Custom |
Reporting and analytics |
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|
|
Wallet forecast (cash flow) | ✅ | ✅ | ✅ |
Spend analytics dashboard, advanced roles, spend trends, consolidated statements | – | ✅ | ✅ |
Accounting automation |
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|
|
Auto coding, OCR, category mapping, VAT coding, vendor mapping, auto-populate rules | ✅ | ✅ | ✅ |
Custom fields (financial dimensions) | ✅ | ✅ | ✅ |
Auto vendor creation | ✅ | ✅ | ✅ |
AI Copilot, auto-populate accounting fields | ✅ | ✅ | ✅ |
Custom-built export | – | – | ✅ |
Integrations and security |
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|
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Standard accounting integrations (Xero, QuickBooks, Zoho Books, Odoo, Wafeq, Mazeed) | ✅ | ✅ | ✅ |
Standard ERP integrations (NetSuite, Odoo, Dynamics 365 Business Central) | – | ✅ | ✅ |
Custom ERP integration (any) | – | – | ✅ |
Developer API access | Add-on | Add-on | ✅ |
Customer success and support |
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|
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Chargeback guarantee (subject to eligibility) | ✅ | ✅ | ✅ |
Live chat, email, and help centre support | ✅ | ✅ | ✅ |
Human phone support, dedicated customer success manager, SLA, premium perks | – | ✅ | ✅ |
Dedicated implementation manager | – | – | ✅ |
Frequently asked questions
What plans does Pemo offer?
Pemo offers three plans. Starter is free, with no SaaS fees and no commitment, for teams getting started with corporate cards and expense management. Premium costs AED 399 per company per month, for growing companies that need approval workflows, advanced controls, and cashback on international spend. Enterprise starts from AED 1,500 per month, for larger organisations with multi-entity needs, ERP integration, and international card requirements.
Is there a contract or minimum commitment?
Starter plan has no SaaS fees and no commitment. Premium and Enterprise have no minimum commitment and could also be cancelled on a monthly rolling basis. Annual commitment could be requested - upfront payment goes together with a special discount, contact our sales team for more details.
What do I get on the free Starter plan?
Starter covers the essentials for a team getting started with corporate cards:
Unlimited cards and cardholders, with instant issuance, Apple Pay, and Google Pay
A dedicated IBAN
Automatic expense reports from card transactions, plus AI Copilot receipt matching
0.5% cashback on international spend
Standard accounting integrations, including Xero, QuickBooks, Zoho Books, Odoo, Wafeq, and Mazeed
What does Premium add over Starter?
Premium adds the controls growing teams tend to need next:
ATM withdrawals on request, MCC and spend category restrictions, and reimbursements management
Employee cash balances and VAT visibility
Split expenses, advanced multi-layer approval workflows, and up to three sub wallets
Approval-based and pre-approval cards
A spend analytics dashboard and standard ERP integrations
A dedicated customer success manager
Cashback on international spend also rises to up to 2% flat, uncapped.
What does Enterprise add over Premium?
Enterprise is built for larger, multi-entity organizations. It adds:
International cards for employees outside the UAE
Unlimited sub wallets and budgets
Custom-built exports and custom ERP integrations
Developer API access and custom cashback rates
A dedicated implementation manager and human phone support with an SLA
Pricing starts from AED 1,500 per month. Contact sales for a price estimate and a quote with international and local cashback based on your company's size, setup and needs.
Which plan do I start on when I sign up?
Every new company starts on Starter, the free plan. You can upgrade to Premium at any time from within the app.
I'm already a Pemo customer. What happens to my plan?
You move to the closest equivalent plan on 1 Jul 2026, and you do not lose any feature, data, or configuration in the process. Kickoff and Beta customers move to Starter, keeping unlimited cards, unlimited users, and accounting integration at no extra cost. Business+ customers move to Enterprise. Existing Essential customers keep their current plan, features, and pricing unchanged. A customer success representative will contact you directly rather than sending an automated email.
How does cashback work across plans?
Cashback on international spend is 0.5% on Starter, up to 2% on Premium, and a custom rate on Enterprise. Domestic spend does not earn cashback on Starter or Premium. Enterprise gets a custom domestic rate. The rate your plan advertises is the maximum available. The rate you actually earn depends on your account's foreign exchange fee profile, so two companies on the same plan can see different cashback.
Does the Premium fee pay for itself?
For most companies, yes. Around AED 20,000 in monthly international card spend earns enough cashback at Premium's rate to cover the AED 399 monthly fee.
Can I get developer API access on Starter or Premium?
Developer API access is available as a paid add-on on Starter and Premium, and is included by default on Enterprise. For pricing and implementation details please contact our sales team.
Can I switch plans later?
Yes. You can move between Starter and Premium yourself, in either direction, at any time from within the app. Moving to or from Enterprise goes through your account manager. If you downgrade, nothing is deleted: paused features keep their data and settings, so upgrading again restores everything as it was.
How am I billed when I upgrade or downgrade partway through the month?
Pemo bills in arrears and prorates by the day. Upgrading charges you immediately for the days remaining in the current cycle at the new plan's rate. Any other change to your monthly fee is applied on your next billing date.
What support do I get on each plan?
All plans include live chat, email, and help centre support, plus a chargeback guarantee subject to eligibility. Premium and Enterprise add human phone support, a dedicated customer success manager, and an SLA. Enterprise also includes a dedicated implementation manager to help with onboarding.
Is there a new foreign exchange fee?
A foreign exchange fee of 3.68% (VAT included) applies to any company whose KYB is approved on or after 1 Jul 2026.