About Pemo
Pemo is a Dubai-based fintech company that helps small and medium-sized businesses manage their spending. Its platform combines corporate cards with bill payments and expense management, giving companies a single place to control and track the money leaving their business.
Many SMEs still manage expenses through shared company cards, personal cards that employees claim back later, bank transfers and spreadsheets. This makes it hard to see spending in real time, creates delays in reconciliation and increases the risk of errors or misuse.
With Pemo, businesses can issue physical and virtual cards to employees and set rules for how each card can be used, such as limits by amount or merchant. Every transaction is recorded instantly, and employees can capture receipts through the app, so finance teams no longer need to chase paperwork at the end of the month.
Bill payments are another part of the platform. Businesses can manage supplier invoices and pay them from the same system, keeping track of outgoing payments alongside card spending. Approval workflows let managers review and authorise payments before they are made.
Integration with accounting software means that transactions can sync automatically into a company's books, reducing manual data entry and speeding up month-end closing.
Pemo's cards and payment services are delivered through partnerships with licensed financial institutions and card networks, which is how spend management platforms typically provide regulated financial products in the UAE.
The UAE has a large and growing SME sector, and many businesses are modernising their finance operations as they grow. Spend management has become one of the most active areas of business fintech in the region, with several companies competing for SME customers.
Features that reduce administrative work are particularly valuable for small teams without large finance departments.
Pemo focuses on bringing card spending and bill payments together for growing businesses, and Startups UAE lists it among Dubai's business fintech startups.
Many SMEs still manage expenses through shared company cards, personal cards that employees claim back later, bank transfers and spreadsheets. This makes it hard to see spending in real time, creates delays in reconciliation and increases the risk of errors or misuse.
With Pemo, businesses can issue physical and virtual cards to employees and set rules for how each card can be used, such as limits by amount or merchant. Every transaction is recorded instantly, and employees can capture receipts through the app, so finance teams no longer need to chase paperwork at the end of the month.
Bill payments are another part of the platform. Businesses can manage supplier invoices and pay them from the same system, keeping track of outgoing payments alongside card spending. Approval workflows let managers review and authorise payments before they are made.
Integration with accounting software means that transactions can sync automatically into a company's books, reducing manual data entry and speeding up month-end closing.
Pemo's cards and payment services are delivered through partnerships with licensed financial institutions and card networks, which is how spend management platforms typically provide regulated financial products in the UAE.
The UAE has a large and growing SME sector, and many businesses are modernising their finance operations as they grow. Spend management has become one of the most active areas of business fintech in the region, with several companies competing for SME customers.
Features that reduce administrative work are particularly valuable for small teams without large finance departments.
Pemo focuses on bringing card spending and bill payments together for growing businesses, and Startups UAE lists it among Dubai's business fintech startups.