# Pemo — #1 MENA spend management SaaS

> All-in-one business spend management platform with corporate cards and expense tracking. (iPhone/iPad app by Payables Technology LTD.)

- Source: https://appshunter.io/ios/app/pemo/id1620870062 (this page in markdown: same URL + `.md`)
- Developer: [Payables Technology LTD](https://appshunter.io/developer/1620870064)
- Category: Finance, Business
- Price: Free
- Rating: 3.60/5 from 5 App Store ratings · 2 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.6 · 162 MB
- Languages: Arabic, English
- Released: 2022-06-01
- Data updated: 2026-08-12
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/pemo/id1620870062/reviews.md

## What is Pemo?

Pemo is the all-in-one spend management solution that empowers your business by packing every company invoice, expense, approval and spending decision into one powerful platform.
Pemo ’s offering includes smart corporate cards, invoice payment systems and expense tracking functions. Pemo’s offering is supported by automated approval flows, direct accounting integration and real-time reporting - features that allow business owners to save time, save money, automate admin and every expense so they can get on with what you do best - building great businesses.

## Key features

- Invoice management
- Expense tracking
- Smart corporate cards
- Automated approval flows
- Direct accounting integration
- Real-time reporting

## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/pemo/id1620870062/reviews.md

### 2/5 — Update need to done

*2024-03-25*

Kindly update the app for user to be able to decrease limit, and also be able to unfreeze the card instead of need a laptop to do those. Thank you

**Developer response:** Hello, 
The app has been updated, and you can now decrease the limit and unfreeze the cards directly from the mobile app. 

In addition, we have added more features for card controls, like daily and weekly limits, as well as more spend categories and country controls. 

If you still have any concerns, please don't hesitate to contact our support team; we will be more than happy to help.

### 1/5 — Took too long to approve

*2023-12-30*

They are lazy and didn’t approve in time.

## Frequently asked questions about Pemo

### What is Pemo's rating?

Pemo has a rating of 3.3 stars based on 4 user ratings. This indicates a generally positive but mixed user reception.

### Is Pemo free to use?

Yes, Pemo is available for free. There are no upfront costs associated with downloading or using the core features of the application.

### What devices does Pemo support?

Pemo is designed for use on Apple devices, specifically supporting iPhones and iPads. This allows for mobile access to its financial management tools.

### How secure is Pemo?

While specific security measures are not detailed, as a finance platform, Pemo is expected to employ industry-standard security protocols to protect sensitive business financial data. Users should always practice good digital hygiene.

### What types of transactions can Pemo manage?

Pemo manages company invoices, expenses, and spending decisions. It also offers smart corporate cards for business spending and invoice payment systems.

### How often is Pemo updated?

The latest version of Pemo is 2.7.0, last updated on March 30, 2026. This suggests a relatively active development cycle, though the last update date appears to be in the future.

### What is the age rating for Pemo?

Pemo has an age rating of 4+, making it suitable for a wide range of users, including younger individuals who may be involved in business-related tasks or learning.

### Does Pemo have ads?

No, Pemo does not contain advertisements. Users can expect an ad-free experience while managing their business finances.

## Version history (last 5 releases)

### 3.4.1 — 2026-08-11

Reimbursements: archive, restore, and submit for others

Archive and restore: hide reimbursements you don't need and bring them back anytime, as long as they haven't been exported or fully approved. No more test entries clogging your queues.
Submit for someone else: admins and accountants can now create a reimbursement on behalf of any spender, so every expense is booked to the person who actually spent, instead of going unrecorded or filed under the wrong name.
Full audit trail: archiving, restoring, and submitting on behalf of others are all logged, so every action is documented.

Why it helps: cleaner exports, tidier approval queues, and cash balances that reflect who really spent the money.

Wallet: get ahead of declined payments

Low-balance alerts: set your own threshold and get notified in-app, by push, and by email when your wallet drops below it.
Clearer at-risk warnings: Wallet Forecast now shows how many payments are at risk and how long you have before you need to top up.
Simpler top-ups: top-ups now arrive fast enough that manual logging is gone. They appear on their own.

Why it helps: finance teams stay ahead of declines instead of reacting to them, with one less step to manage.

Also in this release

Improvements across Bills and Payments and Spending.
Behind-the-scenes updates so we can deliver fixes and improvements to you faster.

### 3.4.0 — 2026-07-30

Reimbursements: archive, restore, and submit for others

Archive and restore: hide reimbursements you don't need and bring them back anytime, as long as they haven't been exported or fully approved. No more test entries clogging your queues.
Submit for someone else: admins and accountants can now create a reimbursement on behalf of any spender, so every expense is booked to the person who actually spent, instead of going unrecorded or filed under the wrong name.
Full audit trail: archiving, restoring, and submitting on behalf of others are all logged, so every action is documented.

Why it helps: cleaner exports, tidier approval queues, and cash balances that reflect who really spent the money.

Wallet: get ahead of declined payments

Low-balance alerts: set your own threshold and get notified in-app, by push, and by email when your wallet drops below it.
Clearer at-risk warnings: Wallet Forecast now shows how many payments are at risk and how long you have before you need to top up.
Simpler top-ups: top-ups now arrive fast enough that manual logging is gone. They appear on their own.

Why it helps: finance teams stay ahead of declines instead of reacting to them, with one less step to manage.

Also in this release

Improvements across Bills and Payments and Spending.
Behind-the-scenes updates so we can deliver fixes and improvements to you faster.

### 3.3.0 — 2026-07-22

This update introduces Pemo Shield; a new layer of protection for your most sensitive information:
Card details, OTP and PIN screens are now automatically hidden in screenshots and screen recordings
Get alerted the moment screen recording or mirroring is detected while using Pemo
A gentle heads-up when you're connected through a VPN, so you always know your connection status
A gentle heads-up when you're having a call, so you know not to share any sensitive data with the caller.

We're also bringing chargeback disputes to mobile:
Cardholders can now raise a dispute directly from the app on any transaction they don't recognize, without needing to reach out to support or switch to desktop

### 3.2.0 — 2026-07-13

This update introduces Pemo Shield; a new layer of protection for your most sensitive information:
Card details, OTP and PIN screens are now automatically hidden in screenshots and screen recordings
Get alerted the moment screen recording or mirroring is detected while using Pemo
A gentle heads-up when you're connected through a VPN, so you always know your connection status
A gentle heads-up when you're having a call, so you know not to share any sensitive data with the caller.

We're also bringing chargeback disputes to mobile:
Cardholders can now raise a dispute directly from the app on any transaction they don't recognize, without needing to reach out to support or switch to desktop

### 3.1.0 — 2026-06-30

Things just got better — enjoy a smoother Pemo experience

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## Related topics

[pemo](https://appshunter.io/ios/topics/pemo)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-12.*