Choose a smarter business expense card

Join Soldo today for business expense cards that give you complete control and oversight over staff spending.

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Soldo Uno

limited to one card
(plastic or virtual)
Get started
Manage spending and expenses with the core features. Limited to one card.
Soldo Pro

per card
per month
for 12 months*
Get started
Orchestrate spending with enhanced control. Up to 20 plastic and virtual cards.
Soldo Premium

per card
per month
for 12 months*
Get started
Advanced controls, reporting and functionality complete the Soldo experience.
Soldo Ltd software services plan prices exclude VAT.
Soldo Financial Services Ltd fees, and typical limits are available here.

*No monthly fees for first virtual card for 12 months, standard monthly fees apply to all
additional cards. Card issuance fees apply.

What is a business expense card?

A business expense card is a way of enabling employees to cover the costs they incur while doing their jobs. How they work is simple: you give prepaid cards to as many members of your team as you like, and each comes with a dedicated account that you load with money.

Staff can then use the preloaded company expense cards as they would a normal credit or debit card: buying fuel, meals, online purchases and more.

With Soldo, you get extra controls that enable you to dictate how each account is used – and a web console for tracking transactions as they happen.

Corporate expense cards vs traditional company cards

Company credit and debit cards are popular, but they have drawbacks that business expense cards don’t.

With a debit card, the balance on the card and the balance in your primary account are one and the same. This essentially means the holder has unlimited access to those funds – unless they run out.

So you’ll need to make sure that you trust each cardholder to spend responsibly. Even then, the card will likely be shared among many employees, which makes it difficult to keep track of who’s spent what.

A business credit card, on the other hand, is linked to your line of credit. Its only spending limits are annual or monthly, making it susceptible to misuse. You’ll only be able to see statements at the end of the month, too, so you may not notice problems until it’s too late.

Prepaid expense card solutions have a few key differences. Their balances are separate from the company account itself, which means the cardholder can only ever spend as much as you put on their card. Because this isn’t linked to your line of credit, staff can’t impact your credit score.

How are expense cards different from company credit cards?

The biggest difference between expense cards and company credit cards is that there’s no credit involved. Instead, you preload each expense account with a set amount of funds. With Soldo’s expense cards, you get budgeting controls and oversight that aren’t available with credit cards.

What’s the best prepaid expense card for my small business?

Soldo’s advanced features and low fees make it a great fit for SMEs and startups. The Pro plan is designed for small businesses, all the features and functionality you need to manage spending – including our full suite of cards, web console and integrated apps.

Business expense cards help you take control of employee spending

Employee expense cards are the natural step up for companies tired of the wasted time, lack of security and inaccessibility of traditional business spending accounts. With Soldo, you get a full spending solution: including plastic and virtual cards, a web console for controlling payments and integrated apps for every employee.

Save valuable time

Tracking spending across company cards or cash is a hassle. Soldo automates the entire process.

Protect your finances

Give your employees a set budget each month in their own dedicated account – that you control.

Empower your staff

Enable your team to decide how they want to spend their budgets by giving them their own employee benefits account.

All Soldo plans include

Soldo Mastercard® cards

Get as many cards as you need for employees and departments. Our contactless cards are accepted by millions of merchants worldwide.

Web-Konsole und mobile App

Web console and mobile app

See spending in real time on the web console. View balances, capture receipts and manage cards on the employee app.

Accounting integration

Export transaction data to every major accounting software, in two clicks. Connect expenses to Xero and QuickBooks.

Kostenlose und unbegrenzte Transaktionen

Free & unlimited transactions

Soldo Mastercard® cards have no fees for domestic transactions and our foreign exchange fee is fixed at just 1%.

No charge for deposits

It’s free to add funds, and money is available to spend instantly. Allocate funds to cards when your team needs it.

Individuelle Unterstützung

Dedicated support

Need a hand? Our friendly customer success team is at your service, providing support whenever you need it.

“Petty cash and reconciling credit cards took a total of 6 days a month. Now it takes me half a day. It’s saving us time! It’s got great flexibility and it makes my life a lot easier”

Sandra Curran
Purchase Ledger Coordinator at Making Space

“Since we started using Soldo, it’s been such a relief not to have to regularly email or phone the banks to ask for our credit card limits to be raised. I love Soldo’s flexibility – it’s so easy to maintain and everything is in real time.”

Dennis Koehler
Head of Payments and Fraud at GetYourGuide

Learn more about business expenses

Discover how to choose the right spend management platform your business. These articles cover everything from cutting costs to streamlining processes.