About Zemo
Zemo by Melin Software Solutions Limited is a FinTech solution designed to streamline financial operations for businesses and institutions by offering a centralized platform for managing payments, transactions, and financial data.
Zemo is a financial technology platform from Melin Software Solutions Limited, specifically designed for businesses in Kenya. It provides a unified solution for corporate expense management, free payroll processing, and AI-driven cash flow analysis. Key features include smart corporate cards with spending limits, automated expense reconciliation, and real-time reporting dashboards. The platform also offers tools for forecasting, scenario planning, and managing various payment types, including M-Pesa and bank transfers. Zemo integrates with accounting software like QuickBooks and Zoho. The service is structured into three tiers: Lite for small startups, Growth for expanding businesses, and a custom Enterprise plan. While pricing is not public and requires a quote, the Growth plan adds free payroll and 24-hour support, and the Enterprise plan includes ERP integration and advanced forecasting. The platform is accessible via web browser and has mobile apps for iOS and Android.
Pros & Cons
- The "free forever" payroll option is a genuine game-changer for bootstrapped startups watching every penny.
- Having payroll, expenses, and AI cashflow insights in one spot kills the need for messy app switching.
- Real-time dashboards mean you actually know where your money is right now, not three weeks later.
- The platform scales naturally with you, from your first three employees to a massive enterprise team.
- Automated reconciliation saves the finance team from the absolute headache of manual data entry and human error.
- Small startups on the Lite plan are strictly capped at just three employees, which feels a bit tight.
- You have to jump all the way to the Enterprise tier just to get basic ERP integration.
- The most helpful forecasting and scenario tools are locked away for the biggest, highest-paying customers.
- Information on specific transaction fees or hidden costs isn't clearly laid out on the main page.
- Smaller teams on the Lite plan don't get the 24-hour support that growing businesses might need.
Features
Key features
Provides a compliant payroll processing system that is free forever for businesses.
Uses artificial intelligence to provide insights and track income and expenses automatically.
Delivers real-time dashboards and instant reports to help finance leaders make informed decisions.
Allows businesses to automate spending and enforce financial controls while reconciling accounts effortlessly.
Connects seamlessly with enterprise resource planning systems for large organizations to streamline data flow.
Offers advanced tools to predict future financial health and model different business outcomes.
Additional features
Assign virtual cards with spend limits to staff and track every shilling in real-time.
Set approvals, caps, and categories for all petty cash without requiring paperwork.
Track mobile money, bank, and card payments in a single, centralized interface.
Automatically link receipts, categories, and budgets to every transaction.
Detect and block suspicious activity instantly with built-in smart rules.
Allows staff to photograph a receipt for automatic extraction of amount, vendor, and category.
Forecasts when the business will run out of cash based on current data and trends.
Highlights specific upcoming payments that may cause cash flow issues.
Models the impact of potential changes, such as delayed customer payments, on cash flow.
Provides visibility into who is delaying payments and which suppliers to prioritize.
Manage business income, receive money, and transfer it to various destinations like bank accounts or mobile wallets.
Enables direct purchase of mobile airtime for employees through the platform.
Supports payments via Mpesa Pay Bill, Till, and transfers to other mobile money wallets.
Facilitates fund transfers to any bank account in Kenya.
Pricing
Countries & Languages
Available in
Interface languages
Billing currencies
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About Zemo
Zemo by Melin Software Solutions Limited is a FinTech solution designed to streamline financial operations for businesses and institutions by offering a centralized platform for managing payments, transactions, and financial data.
Zemo Details
Zemo's In-App Market Place
Does Zemo have an in-app market place?
Yes
How many Mini-Apps in the marketplace?
0
Mini Apps
Pricing Options
Accepted Payment Currencies
KES
Pros & Cons
- The "free forever" payroll option is a genuine game-changer for bootstrapped startups watching every penny.
- Having payroll, expenses, and AI cashflow insights in one spot kills the need for messy app switching.
- Real-time dashboards mean you actually know where your money is right now, not three weeks later.
- The platform scales naturally with you, from your first three employees to a massive enterprise team.
- Automated reconciliation saves the finance team from the absolute headache of manual data entry and human error.
- Small startups on the Lite plan are strictly capped at just three employees, which feels a bit tight.
- You have to jump all the way to the Enterprise tier just to get basic ERP integration.
- The most helpful forecasting and scenario tools are locked away for the biggest, highest-paying customers.
- Information on specific transaction fees or hidden costs isn't clearly laid out on the main page.
- Smaller teams on the Lite plan don't get the 24-hour support that growing businesses might need.
Zemo's Support Options
Zemo's Alternatives
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