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Understanding Your Pemo Wallet Statement

Each month, your Pemo Wallet Statement gives you a full breakdown of your transactions, balances, and cashback. This helps you keep track of spending, reconcile expenses, and stay on top of finances.

Updated this week

How to Access Your StatementDifferent users (team members vs. admins) have different levels of access to wallet information and statements. Admins typically have broader access, including company-wide wallet balances, while team members usually see only their allocated card balances.

  1. Go to "Statements" in the main navigation bar.

  2. Select the month you want to review.

  3. Download your statement in your preferred format: CSV, PDF, or Tax Invoice.Statements are essential for audits and record-keeping, providing insights into expenses and compliance needs.

Checking Your Wallet Balance

For Team Members

  1. Pemo Mobile App:

    • Log in to the Pemo mobile app.

    • Navigate to the "Cards" section.

    • Select your assigned card (physical or virtual).

    • The available balance, allocated by your admin, will be displayed at the top of the screen.

  2. Web App:

    • Log in to the Pemo web app.

    • Locate the balance section in the middle of the screen; for example, it may show amounts like 1.7K.

    • Ensure that the card settings are synced properly by:

      1. Clicking on the 'Cards' tab.

      2. Selecting the relevant card.

      3. Clicking on 'Advanced Settings.'

      4. Adjusting the cycle settings to a preferred time frame (e.g., monthly).

For Admins

Admins have exclusive access to company wallet balances and can monitor total company allowances and usage percentages by logging into the Pemo web app dashboard.

Choosing the Right Format

Each format contains specific fields to help you analyze your expenses. See an overview below and click the links to get a detailed breakdown of what each field means:

Format

Best For

CSV

Data analysis, bulk transaction review, and importing into accounting software

PDF

Quick reviews, easy printing, and sharing with your finance team.

Tax Invoice

Compliance, VAT tracking, and bookkeeping.

Tax invoice

Here are the fields included in your downloaded Tax invoice statement statement.


Tax Invoice Format – Best for VAT & Compliance Tracking

Field

Description

Reference

The unique transaction ID for tax purposes.

Transaction Date

The date when the transaction occurred.

Description of Service

A short description of the service or item purchased.

QTY

The quantity of items or services purchased.

Currency

The currency in which the transaction was made.

Taxable Amount

The portion of the transaction that is subject to tax.

Tax Rate

The VAT percentage applied to the transaction.

Tax Amount

The total VAT charged.

Total Amount

The final billed amount, including taxes.

CSV Statement

Here are the fields included in your downloaded CSV statement.


CSV Format – Best for Data Analysis & Tracking

Field

Description

Transaction Date

The date the transaction was made.

Bank Settlement Date

The date the bank processed the transaction.

Reference

A unique transaction ID for tracking and reconciliation.

Transaction Type

The category of the transaction (e.g., purchase, refund, ATM withdrawal).

Merchant Name

The name of the vendor or business where the transaction took place.

Merchant Country

The country where the merchant is based.

Transaction Amount

The original amount charged for the transaction.

Transaction Currency

The currency in which the transaction was made.

Billing Amount

The final amount charged after currency conversion (if applicable).

Billing Currency

The currency in which you were billed (usually AED).

Card Holder

The name of the person who made the transaction.

Card Name

The assigned name of the card used for the transaction.

Card Last 4 Digits

The last four digits of the card used for the transaction.

Expense ID / Receipt Name

The associated expense or receipt ID for tracking expenses.

PDF Statements

Here are the fields included in your downloaded PDF statement

PDF Format – Best for Quick Reviews & Print-Friendly Statements

Field

Description

Transaction Date

The date the transaction occurred.

Bank Settlement Date

The date the transaction was settled.

Transaction Type

The type of transaction (purchase, refund, etc.).

Merchant Name

The vendor or business where the transaction took place.

Billing Amount (AED)

The amount billed in AED.

VAT (AED)

The VAT (if applicable) charged on the transaction.

Merchant Country

The country where the merchant is located.

Reference

The unique transaction reference number.

Understanding Temporary Changes in Wallet Balances

Temporary changes in your wallet balance might occur for reasons such as "Dropped Authorizations." For example, if a merchant does not clear or settle a transaction after it’s authorized, the held amount gets released back to the wallet.

Get Notified When Your Wallet is Running Low

Never get caught off guard with an empty Wallet! Follow these simple steps to set up notifications that alert you when your balance gets low:Regular monitoring helps prevent transaction disruptions and allows users to manage top-ups effectively, ensuring smoother financial operations.

  1. Go to Settings: Navigate to your settings and find the "Email notifications" tile.

  1. Click "Manage": Select "Manage" on the email notification tile to customize your alerts.

  2. Set Your Threshold: Enter the minimum balance you want to maintain. If your Wallet balance drops below this amount, you'll get an instant email notification.

Stay on top of your spending and keep your transactions running smoothly!

Stay on top of your spending and keep your transactions running smoothly!

Troubleshooting Wallet Visibility Issues

Why Can’t I See the Wallet Balance?

  • Only admins are permitted to access wallet balances beyond the card allocation visible to team members. Coordinate with your admin for broader access. For team-specific data, follow the balance-checking steps listed under "Checking Your Wallet Balance."

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