Pemo Knowledge Base
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  • 📚Pemo Knowledge Base
  • Getting Started
    • ⭐Getting Started as an Admin
      • ✅Verifying the Company
        • 📄How to get a bank reference letter
      • 🚢Invite your Team and Accountant
        • 🧑‍🤝‍🧑Bulk inviting your Team
        • 🧍Inviting a Single Team Member
      • 💰Top up your wallet
      • 💳Ordering your first Pemo Cards
      • 📱Pemo mobile app tour
    • ☕Getting Started as a Team Member
      • 🤝Accept the invite
      • 🚦Complete User Verification
      • 🗣️Request your Pemo Card
      • 💳Activate your physical card
      • 💸How to pay with your Pemo card and attach your receipt
      • 📱Pemo mobile app tour
    • ❓Pemo General FAQs
  • Wallet & Cards
    • 📥Wallet Management
      • 💰Step by step guide to topping up your wallet
        • 💰Guide for older process for topping up
      • 🔎Understanding Your Pemo Wallet Statement
        • 🗃️Tax invoice
        • 🗄️CSV Statement
        • 📂PDF Statements
      • 📬Get notified when your wallet is running low
      • 🤑How cashback works
      • ❓Wallet FAQs
    • 💳Pemo Cards
      • 👨‍🏭Activating a physical card
      • 💁‍♂️Requesting a Pemo card as a team member
      • 🤝Approving request for new cards
      • ℹ️About your card spending limits
        • 🗓️Calculating your total monthly spend limit
      • 📊Request changing the card limits as a team member
      • 👍Approving requests for new card limits
      • 💱Fees associated with card transactions
      • 🍏Apple Pay for your Pemo Cards
        • How to set up Apple Pay for your Pemo cards?
      • 🤳Google Pay for your Pemo Cards
        • How to set up Google Pay for your Pemo cards?
      • 🧙Card benefits & how to redeem
      • Cards FAQs
    • 📊Budgets
      • 💳Steps to Create a Card-Type Budget
      • 🏋️Steps to Create a Member-Type Budget
      • 🛒Steps to Create a Merchant Category-Type Budget
      • 🧑‍🤝‍🧑Steps to Create a Team-Type Budget
      • ✏️Managing Your Budgets: How to Edit, Delete, or View Budget Details
      • 📩Budget Owner Notifications
    • 🛂Managing Cards as an Admin
      • 💳Ordering new Pemo cards
      • 🔓Setting/updating limits on Pemo cards
      • 🧊Freeze, Unfreeze and terminate cards
      • 🛒Take Control with Merchant Category Restrictions
      • 👍How to approve new card limits as an Admin
      • 🤝How to approve new card requests as an Admin
  • Expenses
    • 🧾Expense Management
      • 📩Receipts Inbox
        • 👩‍🔧How to add an email address to your mail box as a contact
        • 📨Setting up automatic email forwarding for digital receipts
        • ⁉️Understanding Receipt Statuses in the Pemo Receipts Inbox
      • 💵Creating out-of-pocket expense
      • 👁️‍🗨️Track Expenses as a Team member
      • 👨‍💼Manage Expenses as an Admin/Financial Controller
        • 👍Pemo's Receipt Verification
      • ➕Adding a receipt and note to a card expense
      • ✅Setting up Approval Policies
        • 💳Card Expenses Approval Policy: Step By Step Guide
        • 🆕New Cards & Spending Limits Approval Policy: Step By Step Guide
        • 📤Out-of-pocket Expenses Approval Policy: Step By Step Guide
        • 📄Invoices Approval Policy: Step By Step Guide
        • 💡Editing the Default Policy
    • ⚙️Card Expenses vs. Out-of-Pocket Expenses: What’s the Difference?
    • 👩‍💻Expenses Tab: Statuses & Tracking
  • ⚖️Cash balance
    • 📑Cash balance as an admin or accountants
      • 🔄Exporting Withdrawals & Pocket Expenses
      • 🖇️Linking Users to Accounting Accounts
    • 💵Cash balance as spender (team member)
  • Invoices
    • 📠Invoice Management
    • 🧠Understanding Invoice statuses in Pemo
  • Accounting and Pemo
    • 🎇Submission Polices
      • 🚩What are Submission Policies?
      • 🎙️Default Submission Policies
      • 💳Creating Custom Submission Policies for Card Expenses
      • 🧾Customizing Default Submission Policy for Pocket Expenses
      • 📬Reminders and Notification
    • 📠Accounting Setup
      • 🪛Setting up Accounting with Pemo
        • 📕ZohoBooks Integration
          • 🔗How to Link Zoho Books to Pemo - Step-by-Step Guide
            • 🔐Pemo Integration Permissions with Zoho Books Overview
            • 🔧Troubleshooting Zoho Books Connection issues
          • ✏️How to use our offline integration with ZohoBooks
        • 💻Xero Integration
          • 🔗How to link Pemo to Xero - Step by Step Guide
            • ❓Xero Online Integration FAQ
          • ✏️How to use our offline integration with Xero
        • 🖇️Wafeq Online Integration
          • 🦾How to link Pemo to Wafeq - Guide
          • ❓Wafeq Online Integration FAQ
        • 🔗Quickbooks Integration
          • 📤How to link Quickbooks to Pemo - Step by Step Guide
          • ✏️How to use our offline integration with Quickbooks
        • 🧙Tally Integration
          • ↔️Exporting & Import Expenses to Tally
        • 📊Pemo Universal CSV
          • 🔎Using the Pemo Universal Template
      • 💠AI Powered Accounting
        • 🔷Pemo Copilot
          • 🔹Activating Pemo Copilot
        • 🔶Smart Vendor Creation
          • 🔸How to activate Smart Vendor Creation
    • ❓Accounting FAQs
  • Managing your account as Admin
    • 👩‍🏭User and Team Management
      • ✉️Inviting and deactivating users
      • 👨‍🏫Manage User Roles
      • 📩Inviting an external accountant
      • 👯Organize Pemo Users by Teams
    • 👩‍💻Admining your Account
      • 🔝Subscription plans and pricing
      • 🖇️Changing your company name or address
      • 🚧Company account restriction reasons, timelines, and explanations
      • 🤝Pemo referral program
        • 🛤️How to track your referrals
        • 🎇How to redeem your reward
      • 📧How to manage your email notifications in Pemo
  • 🔐Privacy & Security
    • 👩‍🏭How to protect your account from fraudsters
    • 🛑How to Handle a Fraudulent Transaction on Your Pemo Card
  • 🥸How to spot and avoid phishing scams targeting your corporate card
  • Video Series
    • 📽 Order your Pemo cards
    • 📽 Add funds to your Pemo account
    • 📽 Edit, terminate and freeze cards
    • 📽 Set up your Approval Policies
    • 📽 Manage card limits
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On this page
  • Key Spending Controls
  • Advanced Spending Controls
  • Setting and Updating Card Limits with Pemo
  • Defining Limits for a New Card
  • Updating Limits for Existing Cards

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  1. Wallet & Cards
  2. Managing Cards as an Admin

Setting/updating limits on Pemo cards

PreviousOrdering new Pemo cardsNextFreeze, Unfreeze and terminate cards

Last updated 5 months ago

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Pemo is your go-to tool for seamless expense management, starting with the Wallet—a central account that tracks all card expenses. As long as there’s money in the Wallet, your team can use their Pemo cards with ease. But to keep spending in check, Pemo offers a full suite of flexible control limits that put you in charge. Let’s dive into the options available for Admins to set up and customize each card:

Key Spending Controls

1️⃣ Cycle Spending Limit Control spending over a period that suits your business needs—set limits daily, weekly, monthly, or quarterly. Once the limit is hit, the card will pause until the next cycle starts, keeping spending exactly where you need it.

2️⃣ Maximum Transaction Limit This sets a hard cap on the maximum amount that can be spent on any single purchase. Once reached, any attempt to exceed this limit will be declined, adding an extra layer of security for big-ticket items.

Advanced Spending Controls

3️⃣ Merchant Categories Admins can pre-approve specific merchant categories, such as “Fuel and Service Shops.” Any purchase outside these categories will be declined, ensuring spending stays on track and as intended.

4️⃣ Allowed Spending Locations Restrict where cards can be used to add extra control. Options include:

  • International: Global transactions are enabled.

  • United Arab Emirates: Only local transactions within the UAE are permitted; all international purchases will be declined.

  • Selected Countries: Allow card use only in specific countries chosen by the Admin.

5️⃣ Transaction Types (Coming Soon) Choose which types of transactions are allowed:

  • Online Payments: For digital transactions.

  • POS Transactions: For in-person purchases at Point of Sale terminals.

ATM Withdrawal Controls (for Physical Cards Only)

6️⃣ Enable ATM Withdrawals Need cash? Enable ATM withdrawals for physical cards as needed.

7️⃣ ATM Withdrawal Limit Set a limit on the amount of cash a team member can withdraw from an ATM. Once the limit is hit, further withdrawals will be blocked.

These comprehensive controls make Pemo an indispensable tool for managing company expenses with ease and confidence.

Setting and Updating Card Limits with Pemo

Defining Limits for a New Card

When issuing a new card, you can easily set spending limits to match your team’s needs. And don't worry—these limits aren’t set in stone. You can update them anytime as your needs evolve.

Updating Limits for Existing Cards

Need to adjust a card’s limits? No problem! Any changes you make will take effect immediately.

To Update Card Limits:

  1. Go to the "Cards" tab and select the card you want to edit.

  2. Click on "Advanced controls" tab

  3. Adjust the limits as needed and click "Save"

With Pemo, managing your team’s spending is flexible and straightforward.

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🛒Take Control with Merchant Category Restrictions