What is Pemo?
Pemo is a spend management platform that helps SMEs in MENA control expenses with corporate cards, expense management, and accounting automation.
Who can use Pemo?
Our platform is built for SMEs but works for any business looking to simplify expense control and reporting.
Is Pemo secure?
Yes. We’re powered by VISA and follow bank-grade security standards to protect your data and transactions.
Does Pemo have a mobile app?
Yes, Pemo works on both desktop and mobile so you can manage expenses anytime.
How does billing work?
We bill based on card users. Essential Plan includes 2 cardholders free, with each extra cardholder costing 29 SAR/month.
Can I add or remove employees at any time?
Yes, admins can manage team members directly from the dashboard.
Does Pemo support multi-currency?
Yes, you can use Pemo corporate cards globally wherever Mastercard is accepted.
How do I reset my password?
Click Forgot Password on the login screen and follow the instructions.
Can I upgrade or downgrade my plan?
Yes, you can adjust your plan in Settings > Billing.
How do I contact support?
You can reach us through in-app chat or email us at support@pemo.sa.
Why is Mada Pay asking for a PIN on transactions above SAR 300?
You can set a PIN for your virtual card in the Pemo mobile app.
How to set your PIN:
Open the Pemo app and go to Cards.
Select your virtual card.
Tap Set/Change PIN and follow the prompts.
Can I top up from my personal bank account?
Top-ups from personal accounts are discouraged by SAMA policy. Transactions in KSA may still go through, sometimes with delays.
Do you offer single-use virtual cards (SUVC) in KSA?
Not yet. SUVC isn’t currently available in KSA.
How do chargebacks work in KSA? Do you offer chargeback advances?
Once you raise a dispute, we submit it to Neoleap. A response typically takes around six weeks. We don’t offer chargeback advances in KSA at this time.
My downloaded statement shows all data in one column. How do I fix it?
Use Excel’s Text to Columns tool to split your data.
Quick steps:
Open your file in Excel.
Select the affected column.
Go to Data → Text to Columns → Delimited → choose your delimiter (often comma) → Finish.
Need more detail? Check Microsoft’s guide: Split text into different columns.
I need to pay a SADAD invoice, but the card isn’t accepted. What can I do?
You can use STC Pay. Top up a maximum of SAR 1,500 per day. Then pay SADAD invoices directly in the STC Pay app or withdraw cash without ATM fees.