Learn what you can do with your Pemo card: real-time controls, automated reconciliation, and cashback on eligible spend.
What your Pemo card gives you
Real-time admin controls. Freeze and unfreeze a card instantly, restrict merchant categories, and set per-card limits.
Automated reconciliation. AI matches receipts to transactions, so you skip manual month-end work.
Fast card issuance. Virtual cards work immediately. Physical cards arrive within 72 hours.
Works with payment apps. Link cards to PayPal and similar apps using OTP-authenticated entry.
Apple Pay and Google Pay. Both work automatically through tokenisation, on physical and virtual cards.
Unlimited users. Every plan, including the free Starter plan, includes unlimited physical and virtual cards. Pemo prices on features, not card count.
In-app payment approval. Approve online payments with a push notification and Face ID instead of waiting on an SMS OTP. That means no OTP timeouts, fewer fraud cases, and a compliance trail.
Location controls. Choose from three settings on every plan: International, UAE only, or Selected countries.
Biometric login. Sign in without SMS OTPs or passwords. This makes it faster for your POAs to approve payments.
Durable physical cards. Physical cards support ATM cash withdrawals, run for five years, and get free replacements. Any unused balance returns to your wallet when a card expires.
Single-use virtual cards. Generate a one-time card for a single payment.
How cashback works
You already spend abroad on Google Ads, Meta, AWS, software, hotels, and flights. Pemo returns a share of that spend to your wallet as business funds you can use for any corporate need.
These are real business funds for your company, not personal rewards. Nothing to redeem, nothing to expire, and no hidden fees.
How much
Plan | Cashback |
Starter | 0.5% |
Premium | Up to 2% |
Enterprise | Custom terms, may include local cashback |
What counts
Card spend with merchants based outside the UAE, and/or spend in foreign currencies.
Google and Meta count even though they bill in AED, because they are not UAE companies.
What does not count
UAE spend (on Starter and Premium)
ATM cash
Transfers
Wallet top-ups
Refunds
Anything disputed or not yet settled
When you get it
Pemo totals the prior month's spend and pays it into your wallet by the second week of the following month.
You can watch it build in real time on the Cashback tile.
Mastercard savings
Claim merchant offers from the Mastercard savings page in the app, on top of Pemo's own cashback.
Business travel. Booking.com, Avis, Sixt, Europcar, Careem Rides, Airalo, ETravelSim, ATPI
Software and productivity. Google Workspace, Notion, DocuSign, Zoho, Grammarly, Proton, Replit, GlobalGPT
Finance and accounting. Xero, Loop Subscriptions
Marketing and growth. HubSpot, TikTok for Business, AppsFlyer, CleverTap, Constant Contact, Contentsquare, vidIQ
Client gifting. GiftBasketsOverseas.com
Referrals
Share your link from the Referral Dashboard and earn a reward for every business that joins.
Referral | Reward |
1st referral | AED 1,000 |
2nd | AED 1,100 |
3rd | AED 1,200 |
4th | AED 1,300 |
5th and beyond | AED 1,400 each |
Pending. They have registered through your link.
Qualified. Their account is verified and approved.
Approved. They have activated and made their first card transaction, and your reward is released.