Subscription plans and pricing

Pemo pricing is based on monthly subscription fees, and these plans are based on the features and number of card users you need.

A "Card User" is a user on Pemo that has one or more cards (physical or virtual) assigned to their name.

Subscription plans

When you sign up, by default, you will be on the KICKOFF plan.

KICKOFF

0 AED/ Month

2 Card Users included

29AED per additional card user/ Month

ESSENTIAL

58 AED/ Month

2 Card Users included

29AED per additional card user/ Month

BUSINESS +

Contact sales for a price estimate

Unlimited users. Minimum 20 card users.

Feature Comparison

Feature	KICKOFF	ESSENTIAL	BUSINESS+
Cards and Expneses
1 physical card per card user
Unlimited virtual cards per card user
Card spending limits per user, per purchase or per vendor
Expense reports created based on card transactions automatically
Mobile app with receipt scanner for managing expenses on-the-go
Google Pay and Samsung Pay
Apple Pay COMING SOON
Non-card expense reports creation enabled (Out-of-Pocket expenses) for both card and non-card users
Unlimited non-card users
Unlimited card users
Cashabck
Cashback on online advertising spend (meta, google, and more) up to 1% (0.5% guaranteed )
Additional cashback on card spending (2% cashback on FX fees, extra cashback on advertising spend)
Expense Reports and Accounting
Excel exports of expenses for easy accounting
Integration with popular accounting software (Quickbooks, Zoho Books and more)
Account and Spend Managment
Spend analytics dashboard
Company organisation in teams or departments
Customised multi-level approval workflows
Live chat support
Dedicated customer success manager
Custom onboarding and training
Vendor Invoice Managment
Unlimited vendor invoices tracking and approval
Unlimited vendor invoices paid directly from your account for free

The monthly subscription fee is the only recurrent cost we charge you without any other hidden fees.

Other Pricing Breakdown

Fee type	Amount
Card Activation and Periodic Fees
Initial Physical Card Issuance Fee	AED 0
Initial Virtual Card Fee	AED 0
Replacement Card Fee for Expiry Reason	AED 0
Replacement Card Fee for Lost Reason	AED 40
Master Wallet Loading Fees
Loading by Bank Transfer	AED 0
Unloading from your wallet	AED 0
Transaction Fees
Domestic ATM Withdrawal	AED 5.25
International/Abroad ATM Withdrawal	AED 26.25
ATM Balance Inquiry	AED 0
ATM Decline	AED 0
Domestic Card Payment	AED 0
International/Abroad Card Payment	AED 0
Online/e-commerce Payment	AED 0
Card Refund	AED 0
Invoices
Invoices Payouts via Connected Bank Account	0 AED (Promo until the end of 2023)