Pemo pricing is based on a monthly subscription. Plans differ by functionality, not employee count. Every plan includes unlimited users and unlimited physical and virtual cards.
Existing customers were not moved automatically on 1 July 2026. Business+ was renamed to Enterprise on a 1:1 basis. It is the same plan, with the same price and the same cashback terms.
If you're on Legacy Essential, moving to Premium or Enterprise is opt-in. Your customer success manager explains the new fee and confirms your cashback rate before any change. The rate is 2% on a standard fee profile or 1.5% on a legacy fee profile.
Subscription plans
Starter
Free, with no SaaS fees or 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. Your cashback rate depends on your company's fee profile, so confirm your actual rate with your account manager before you upgrade.
Enterprise
Starting from AED 1,500/month. Contact sales for a custom quote.
For larger organizations with multi-entity needs, ERP integration, and international card requirements.
Features by plan
Feature | Starter | Premium | Enterprise |
Corporate cards |
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Unlimited cards and cardholders, instant issuance, Apple Pay / Google Pay, online and offline payments, 3DS | Yes | Yes | Yes |
Dedicated IBAN | Yes | Yes | Yes |
ATM withdrawals, off by default and available on request | - | Yes | Yes |
MCC / spend category restrictions | - | Yes | Yes |
Reimbursements management | - | Yes | Yes |
Employee cash balance | - | Yes | Yes |
International cards for employees outside the UAE | - | - | Yes |
Expense management and control |
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Limits, real-time expense creation, mobile receipts, email receipts, OCR matching, bulk approvals | Yes | Yes | Yes |
VAT visibility | - | Yes | Yes |
AI Copilot, receipt verification and matching | Yes | Yes | Yes |
Split expenses into line items | - | Yes | Yes |
Receipt reminders, duplicate detection, non-card expense tracking | - | Yes | Yes |
Default submission and approval policies | Yes | Yes | Yes |
Advanced submission policies, multi-layer approval workflows, maker-checker on card actions | - | Yes | Yes |
Spend policies and controls |
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Sub wallets | - | 3 | Unlimited |
Budgets | - | - | Yes |
Per-transaction limits | Yes | Yes | Yes |
Approval-based and pre-approval cards | - | Yes | Yes |
Card benefits |
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Corporate liability waiver, partner rewards, FX best price guarantee | Yes | Yes | Yes |
Cashback on international spend | 0.5% | Up to 2%, uncapped | Custom |
Cashback on domestic spend | - | - | Custom |
Reporting and analytics |
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Wallet forecast (cash flow) | Yes | Yes | Yes |
Spend analytics dashboard, advanced roles, spend trends, consolidated statements | - | Yes | Yes |
Accounting automation |
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Auto coding, OCR, category mapping, VAT coding, vendor mapping, auto-populate rules | Yes | Yes | Yes |
Custom fields (financial dimensions) | Yes | Yes | Yes |
Auto vendor creation | Yes | Yes | Yes |
AI Copilot, auto-populate accounting fields | Yes | Yes | Yes |
Custom-built export | - | - | Yes |
Integrations and security |
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Oracle NetSuite CSV export | Yes | Yes | Yes |
Standard accounting integrations, for example QuickBooks, Xero, Zoho Books, Tally and Wafeq | Yes | Yes | Yes |
Standard ERP integrations (Odoo, Dynamics 365 Business Central) | - | Yes | Yes |
Custom ERP integration (any) | - | - | Yes |
Developer API access | Add-on | Add-on | Yes |
Customer success and support |
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Chargeback guarantee, subject to eligibility | Yes | Yes | Yes |
Live chat, email, and help centre support | Yes | Yes | Yes |
Human phone support, dedicated customer success manager, SLA, premium perks | - | Yes | Yes |
Dedicated implementation manager | - | - | Yes |
Is there a contract or minimum commitment?
Starter has no commitment. Premium and Enterprise have no minimum commitment and can be cancelled monthly.
You can request an annual commitment. Upfront payment comes with a special discount. Contact sales for details.
What do I get on Starter?
Starter includes unlimited cards and cardholders, a dedicated IBAN, automatic expense reports, AI Copilot receipt matching, and 0.5% cashback on international spend.
It also includes standard accounting integrations such as QuickBooks, Xero, Zoho Books, Tally, and Wafeq. Oracle NetSuite is supported as a CSV export rather than a direct integration, and that export is available on every plan, including Starter.
What does Premium add over Starter?
Premium adds ATM withdrawals on request, spend restrictions, reimbursements, cash balances, VAT visibility, split expenses, advanced approvals, three sub wallets, spend analytics, and standard ERP integrations. The plan comparison in the app shows direct accounting integrations (QuickBooks, Xero, Zoho Books, Wafeq and more) for Premium and Enterprise.
Cashback on international spend rises to up to 2%, uncapped. Your actual rate depends on your account's FX fee profile.
What does Enterprise add over Premium?
Enterprise adds international cards for employees outside the UAE, unlimited sub wallets, budgets, custom exports, custom ERP integrations, developer API access, custom cashback rates, and a dedicated implementation manager.
Contact sales for a quote based on your setup, needs, and international and local cashback rates.
Which plan do I start on?
Every company starts on Starter. You can upgrade to Premium at any time within the app.
I'm already a Pemo customer. What happens to my plan?
If you're on Business+, your plan was renamed to Enterprise on 1 July 2026. The price and cashback terms stay the same, and nothing changes for you.
If you're on Legacy Essential, you're not moved automatically. Your CSM explains the new fee and your actual cashback rate first. You move to Premium or Enterprise only if you choose to.
Your features, data, and configuration are not affected by the rename. If you consent, you receive a single email from your customer success team with a link to book a call, not a series of follow-ups.
How does cashback work across plans?
International cashback is 0.5% on Starter, up to 2% on Premium, and a custom rate on Enterprise. Domestic spend earns no cashback on Starter or Premium. Enterprise has a custom domestic rate.
The advertised rate is the maximum available. Your actual rate depends on your FX fee profile, so companies on the same plan may receive different rates.
Does the Premium fee pay for itself?
Your Premium cashback rate depends on your company's fee profile, so the international spend needed to offset the AED 399 monthly fee varies.
At the standard 2% rate, around AED 20,000 in monthly international card spend covers the fee. At a lower rate, you need more. Ask your account manager for your actual rate before you calculate.
Can I get developer API access on Starter or Premium?
Developer API access is a paid add-on on Starter and Premium. It's included with Enterprise. Contact sales for pricing and implementation details.
Can I switch plans later?
You can move between Starter and Premium yourself at any time within the app. Moving to or from Enterprise goes through your account manager. To see the plans in the app, select Settings in the left sidebar, then select Subscription plans. Your current plan and next billing date are in Settings > Billing, and subscription fees are collected from your Pemo Wallet.
On Subscription plans, Premium shows "AED 399/month per company" and Enterprise shows "Starting from AED 1,500/month". Your current plan has the Active plan badge, and you can select Get in touch to contact Pemo about a plan.
If you downgrade, nothing is deleted. Paused features keep their data and settings, so upgrading restores them.
How am I billed when I change plans partway through the month?
Pemo prorates by the day. Upgrades and downgrades both take effect immediately rather than on your next billing date, and your billing is adjusted for the change.
You can upgrade once and downgrade once in each billing cycle. The billing cycle starts on the first of the month.
What support does each plan include?
All plans include live chat, email, help centre support, and 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.
What foreign exchange fee applies?
A foreign exchange fee of 3.68% (VAT included) applies to any company whose KYB is approved on or after 1 July 2026.