Pemo AI features and pricing (October 2026)

Pemo is a spend management platform from Dubai that combines corporate cards, receipt collection, approvals and accounting sync for companies in the UAE. Its AI Copilot checks receipts and fills in accounting fields before export.

Pemo issues unlimited physical and virtual corporate cards, collects receipts through the mobile app and by email, applies spend policies and approval workflows, and syncs transactions to accounting software. A business account and a spend analytics dashboard are part of the offering. The operating company, Pemo Payments Service Provider L.L.C., is registered in Dubai; cards are issued by Nymcard Payment Services under a Central Bank of the UAE license. Pemo states that more than 10,000 companies use the platform.

The Starter plan has no subscription fee, which makes the tool accessible for small companies; custom ERP connections are part of Enterprise.

• Verifies and matches receiptsThe AI Copilot checks uploaded receipts and matches them to the corresponding card transactions. Finance teams spend less time chasing missing receipts and comparing amounts by hand, and month-end reconciliation starts from a cleaner set of expenses.
• Fills in accounting fieldsFor each transaction, the AI Copilot auto-populates the accounting fields needed for export. Accountants review proposed values instead of coding every card payment, which shortens the handover from card spend to the general ledger.
• Categorizes transactionsPemo's accounting automation categorizes transactions with AI and syncs them in real time to the connected accounting system. Categories become more consistent across cardholders, and the finance team corrects fewer postings later.

• Offers a Starter plan without subscription fees; the AI Copilot features require Premium or Enterprise.
• Pricing is a flat monthly fee per company rather than per user, with unlimited cards and cardholders.
• Website in English and Arabic; the vendor did not list the languages of the app itself at our check in September 2026.

Pemo is a company registered in Dubai, and its cards are issued under a license from the Central Bank of the UAE.

Pemo is built for companies operating in the UAE, and the cards are issued under a UAE license, so check whether entities in other countries can use it. The privacy policy states that data may be processed outside your country of residence without naming hosting locations; ask for the data location and a data processing agreement if you work under GDPR. Security certifications were not listed on the public security page at our check in September 2026.

No reviews yet. Be the first to share how your team uses it.

Every review shows its verification level. We read each one before it goes live. How we check reviews