In September 2025, Xpence, a UAE-based corporate spend management platform founded in 2017–2018, merged into Limitless Payments, a newly formed Riyadh-headquartered entity that also incorporates GC Partners (a UK/UAE/Hong Kong FX firm) and Numito. The combined entity launched with an initial fund of $100 million, with Xpence co-founder Saad Ansari as CEO.
As of October 2026, the xpence.com website is suspended. Whether the original Xpence product, corporate Visa cards, spend management, multi-currency wallets, will continue under Limitless Payments, and on what terms, has not been publicly clarified.
For businesses that were using Xpence, or that were evaluating it before the website suspension, this guide provides an honest, up-to-date comparison of the four most credible UAE alternatives in 2026.
| Platform | Best For | Monthly Fee | Regulatory Status | Cashback |
|---|---|---|---|---|
| Mamo | Payment acceptance + corporate cards | AED 0 (Growth) / AED 99 (Premium) | DFSA-regulated | 0.5% AED / 2% non-AED |
| Alaan | Deep expense automation | AED 499 | UAE active | Not listed |
| Pemo | Free starting tier | AED 0 (Starter) / AED 399 (Premium) | CBUAE in-principle SVF | Not listed |
| Pluto | Procure-to-pay depth | $0 / $99/month (Growth) | DFSA in-principle | Not listed |
Why it tops this list: Mamo is the only platform in this comparison that combines a full payment gateway (for accepting payments from customers) with corporate cards and expense management, all within a single DFSA-regulated entity. For businesses that used Xpence for spend management and relied on a separate tool for payment acceptance, Mamo consolidates both under one regulated roof.
Payment gateway:
Corporate cards:
Regulatory status: DFSA-regulated (DIFC, Dubai), the strongest active regulatory footing on this list.
| Mamo | Xpence (as it was) | |
|---|---|---|
| Regulatory licence | DFSA (active) | None confirmed, BIN sponsorship |
| Payment gateway | Yes (own) | Via Paymob partnership only |
| Corporate Visa cards | Yes | Yes |
| Monthly fee | AED 0 (Growth) / AED 99 (Premium) | Not published |
| Cashback | 0.5% AED / 2% non-AED | None confirmed |
| Published pricing | Yes | No |
| Same-day settlement | Yes (+0.5–0.75% additional fee) | Not confirmed |
Best for: UAE businesses needing payment acceptance + corporate card spend management under one regulated roof, with transparent pricing and no monthly overhead.
Corporate cards, expenses and payouts, and a payment gateway, all on one account.
Alaan is the most feature-rich dedicated expense management platform in the UAE, backed by $55 million in funding and built for teams that need deep automation across the entire expense cycle.
Alaan suits mid-market and enterprise finance teams with complex approval hierarchies, large card programmes, and high volumes of receipts and invoices that benefit from automation. The AED 499/month fee reflects product depth that delivers real value for teams generating meaningful savings through reduced manual work.
Pemo is purpose-built for SMEs and startups in the UAE and MENA who want to begin managing corporate spend without upfront fees, then scale up as the business grows.
Pemo is the right choice for early-stage startups and SMEs that want to replace an ad-hoc expense process with a proper corporate card programme, without committing to a monthly subscription from day one. As the business grows, the Premium tier adds the controls needed for larger teams.
Pluto positions itself as a full procure-to-pay platform, going deeper than standard corporate card management to include purchase orders, vendor management, and multi-entity consolidation.
Pluto is ideal for finance teams at growth-stage companies that have outgrown basic expense management and need purchase order controls, vendor management, and multi-entity visibility, particularly those with an active procurement team.
| Feature | Mamo | Alaan | Pemo | Pluto |
|---|---|---|---|---|
| Monthly fee | AED 0 (Growth) / AED 99 (Premium) | AED 499 | AED 0 / AED 399 | $0 / $99 |
| Corporate cards | Yes | Yes | Yes | Yes |
| Payment gateway | Yes | No | No | No |
| Cashback | 0.5% AED / 2% non-AED | Not listed | Not listed | Not listed |
| Regulatory status | DFSA (active) | UAE active | CBUAE in-principle | DFSA in-principle |
| Best for | Payments + cards | Deep automation | Free start | Procure-to-pay |
| Funding | — | $55M | Funded | Funded |
Mamo gives you DFSA regulation, published pricing and the only built-in payment gateway in this comparison.
Not every business needs the same platform. Here is a practical decision framework:
Choose Mamo if:
Choose Alaan if:
Choose Pemo if:
Choose Pluto if:
Xpence merged into Limitless Payments in September 2025, combining with GC Partners (an FX firm) and Numito under a Riyadh-headquartered entity with $100 million in initial funding. As of October 2026, xpence.com is suspended, and it is unclear whether the Xpence product will continue in its original form under Limitless Payments.
Mamo is the best overall alternative for most UAE businesses, DFSA-regulated, Growth plan: no monthly fee (Premium: AED 99/month), built-in payment gateway, corporate cards with cashback, and published pricing. For deep expense automation, Alaan is the strongest; for a free starting point, Pemo; for procure-to-pay, Pluto.
Yes. Pemo offers a free Starter plan with physical and virtual corporate cards and no monthly fee. Pluto also offers a $0 free tier. Mamo's Growth plan has no monthly fee and applies transaction fees only on payment acceptance volume; the Premium plan costs AED 99/month.
Mamo holds an active DFSA licence. Pluto has DFSA in-principle approval. Pemo holds a CBUAE in-principle SVF licence. Always verify current regulatory status directly with any platform before onboarding.
Mamo offers up to 0.5% unlimited cashback on AED spend and up to 2% on non-AED (unlimited) spend, with promotional rates up to 8%.
If you're moving off Xpence, Mamo is the best overall alternative. It has a free Growth plan, no FX fee on card spend, up to 2% cashback, and payment acceptance, all regulated by the DFSA.
Alaan suits larger teams that want deep AI expense tooling and can absorb AED 499/month. Pemo and Pluto are lower-cost ways to keep pure spend management.
The Growth plan has no monthly fee and includes unlimited free Visa cards.
CTA carrier
| H |
|---|
| C |
