Take control of company spend with Pemo cards. Set clear limits, approve merchant categories, and stop overspending before it happens. Manage everything in the app—freeze, block, or tweak limits in seconds. Simple, smart, and flexible.
Our cards work like debit cards. They draw funds from your Pemo wallet and are powered by Visa.
Pemo card types
Corporate Card (Physical or Virtual)
Everyday spending for teams and individuals.
Set custom spend limits and approved categories (travel, fuel, hotels).
Great for recurring use and in-store or online payments.
Pre-Approval Card (Physical or Virtual)
No cycle limits.
Team members can request funds when they need them, or you can proactively approve funds while issuing or anytime after, all without the cardholder needing to make a request.
Perfect for supplier payments, quick campaigns, business trips, or purchase orders—your teams move faster while finance stays firmly in control.
Card formats
Physical Cards
Perfect for in-person payments and ATM withdrawals. Delivered within 72 hours.Virtual Cards
Best for online payments like ads, SaaS, or marketplaces. Available instantly.
🧙♂️ Guide to Ordering Your First Card
Choose card type
Corporate Card (Physical or Virtual): set transaction and cycle limits by day, week or month.
Pre-Approval Card (Physical or Virtual): no cycle limits. Set a budget and optional end date; top up anytime without a cardholder request.
Assign a cardholder and add a label for easy tracking.
Restrict spend by merchant category or location.
Enable ATM withdrawals for physical cards.
How to track your card delivery?
If you've requested a phsyical card it should be delivered in 3 - 5 business days and Cards get delivered via SMSA Express Once card is issued and status is “pending card activation ” the card will get printed and packaged to be sent to the customer. SMSA will contact the cardholder and will inquire about the address.
Note: SMSA only calls Saudi numbers. Ensure you have your Saudi number registered on Pemo to get your card delivered.