Smart corporate cards that automate expenses

They are smart, company-issued cards that help streamline your business expenses. Offering real-time tracking, spending controls, and seamless integration with Pemo’s Expense Management system, they make financial management easier and more efficient.

Our Corporate Cards eliminate the need for petty cash, simplify expense tracking, allow real-time spend control, reduce administrative work, and provide insights into your company’s spending. Features like automated receipt matching and real-time expense reporting save time and offer better control over finances.

Absolutely! We prioritize your security with features like two-factor authentication and real-time fraud detection. We’re also PCI DSS certified, ensuring the highest standard for data security. Powered by Mastercard, your financial data is always protected with us.

Our Corporate Cards seamlessly integrate with your existing accounting software, making it simple to reconcile expenses and keep financial records up to date. We offer integrations with QuickBooks, Xero, Zoho, Tally, and many others. Just connect your system, and we’ll handle the rest.

Yes, using our cards comes with hundreds of valuable perks and discounts:
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Cashback Rewards: Enjoy up to 2% cashback on corporate advertising when you activate your card.
Careem Discounts: Traveling across the Middle East? Enjoy a 20% discount on rides with Careem using the promo code “MasterCard” in the app.
Corporate Liability Waiver: Protect your business with insurance that covers unauthorized card use by employees, up to USD 25,000 per card issued per occurrence. (Available in select markets including UAE, Oman, Saudi Arabia, and more.)
Software Discounts: Access exclusive discounts with over 300+ partners on services like Meta Ads, Google Ads, Google Workspace, Fiverr, and Notion. Simply use your card to take advantage of these offers.
More Travel Discounts: Get up to 15% cashback on Booking.com. Enjoy access to over 20 airport lounges across the Middle East, including Al Dhabi Lounge, Marhaba Lounge, Crown Lounge, and First Class Lounge. Benefit from airport concierge services.
Save on Fuel with CAFU: Use CAFU, the on-demand car services app, to save time and money by having fuel and car services delivered directly to you.

A corporate card expense refers to any business-related cost incurred using a company-issued corporate card. These expenses typically include travel, client meetings, office supplies, and other operational costs that are essential for conducting business. Corporate cards help companies track and manage these expenses more efficiently.

A business card is generally issued to small businesses or individual business owners and is often linked to the owner’s personal credit. A corporate card, on the other hand, is issued to larger companies for use by employees. Corporate cards offer more robust spending controls, reporting features, and often require a company to meet certain financial criteria.

No, corporate cards should only be used for business-related expenses. Using a corporate card for personal expenses is generally prohibited by company policy and can lead to disciplinary action. Additionally, it complicates expense tracking and can result in personal liability for unauthorized charges.

To manage corporate card receipts effectively, employees should submit their receipts promptly after each transaction. Companies often use expense management software to streamline this process, allowing employees to upload digital copies of receipts, which are then automatically matched with corresponding transactions for easy reconciliation.

Creating a corporate card expense policy involves several key steps:
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Define Eligible Expenses: Clearly outline what types of expenses are allowable.
Set Spending Limits: Establish spending caps for different categories and employee levels.
Detail Reporting Requirements: Specify how and when employees should report expenses, including receipt submission and documentation.
Enforce Compliance: Include guidelines for auditing expenses and handling violations of the policy.
Communicate the Policy: Ensure all employees understand the policy through training and regular communication.