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Understanding the different users roles in Pemo

Pemo has five user roles. Each one sets what a person can see and do in your organisation, and admins can build custom roles on top of them.

Here’s a quick rundown of the available roles:

  • Admin: Full access to everything Pemo offers, including managing users, issuing cards and setting approval policies.

  • Internal Accountant: Visibility over company expenses and invoices, with access to accounting setup and integrations, expense exports, wallet statements and balance, transaction reports, and card management including freezing cards and requesting their own card. Approval policies stay visible to Admins only.

  • External Accountant: Accounting access only. You can view and export expenses, wallet statements, wallet balance and transaction reports, and manage accounting setup. You cannot see approval policies, manage or freeze cards, request a card, or manage users.

  • Team Lead: Everything a Team Member can do, plus full visibility over their team’s expenses and invoices, and approving, rejecting or editing what their team submits.

  • Team Member: Can spend using a Pemo card once verified and manage their own out-of-pocket expenses by uploading receipts or invoices.

Custom roles

Admins can clone any of the five base roles and adjust a defined set of permissions. Everything outside that set stays locked to the base role, so a custom role never has more access than the role it was cloned from.

The permissions you can adjust cover wallet and sub-wallet access, split expenses, reimbursements on behalf of others, bill payment, and permissions management. Where one permission depends on another, the role editor applies it for you.

You will find these under Members & Teams → Roles & Permissions. Every role keeps an audit trail of who changed what, and when.

What each role can do

This table covers the four account-level roles. A Team Lead has the same access as a Team Member, applied across their whole team.

Role

Admin

Internal Accountant

External Accountant

Team Member

Full visibility over all expenses and invoices

✅

✅

✅

Manage user access and permissions and add or delete users

✅

Issue cards to team members

✅

View Wallet Balance

✅

✅

✅

Can hold their own card

✅

✅

✅

Upload and review invoices

✅

✅

✅

✅

Create, edit and view their own expenses

✅

✅

✅

Approve, reject expenses and invoices

✅

View approval policies

✅

Edit others' expenses

✅

✅

✅

Manage accounting setup and integrations

✅

✅

✅

Export expenses and invoices

✅

✅

✅

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