Take control of company spend with Pemo cards. Set clear limits, approve merchant categories, and stop overspending before it happens. Manage everything in the app—freeze, block, or tweak limits in seconds. Simple, smart, and flexible.
Our cards work like debit cards. They draw funds from your Pemo wallet and are powered by Mastercard.
Pemo card types
Corporate Card (Physical or Virtual)
Everyday spending for teams and individuals.
Set custom spend limits and approved categories (travel, fuel, hotels).
Great for recurring use and in-store or online payments.
Pre-Approval Card (Physical or Virtual)
No cycle limits.
Team members can request funds when they need them, or you can proactively approve funds while issuing or anytime after, all without the cardholder needing to make a request.
Perfect for supplier payments, quick campaigns, business trips, or purchase orders—your teams move faster while finance stays firmly in control.
Single-Use Virtual Card (Virtual only)
Designed for a single online payment, then it auto-expires.
Extra security for ad-hoc or high-risk purchases.
Not for subscriptions or recurring charges.
Card formats
Physical Cards
Perfect for in-person payments and ATM withdrawals. Delivered within 72 hours.Virtual Cards
Best for online payments like ads, SaaS, or marketplaces. Available instantly.
🧙♂️ Guide to Ordering Your First Card
Choose card type
Corporate Card (Physical or Virtual): set transaction and cycle limits by day, week, month, or year.
Pre-Approval Card (Physical or Virtual): no cycle limits. Set a budget and optional end date; top up anytime without a cardholder request.
Single-Use Virtual Card (Virtual only): set a one-time amount; the card auto-expires after payment.
Assign a cardholder and add a label for easy tracking.
Advanced controls
Restrict spend by merchant, merchant category, or location.
Enable ATM withdrawals for physical cards.
Optional extras: limit to online/offline use, set country rules, or add time windows.
How to track your card delivery?
If you've requested a phsyical card it should be delivered in 3 - 5 business days and you can track it easily within your Pemo app.