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Company spend and expense cards

Smart cards. Powerful controls.

Give your teams the tools to capture expenses, track spend in real-time, and request company funds instantly.

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Instant

Issue physical or virtual cards in seconds. No credit checks or bank visits required.

Controlled

Set spend limits and rules for every card, so funds stay within budget and policy.

Transparent

Track every transaction in real-time to see what every part of your business is spending.

We've helped thousands of businesses simplify their business spending

Out-of-pocket spend and shared cards are bad for business

When employees pay with personal cards, everyone loses time. Reimbursements add friction, reduce transparency, and put pressure on staff. Shared cards create risk — and too often, a backlog for finance. That’s why Soldo offers a better card alternative for progressive finance teams.

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Fair

Soldo removes the burden of out-of-pocket spend with secure, direct access to company funds.

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Secure

Soldo replaces shared cards with real-time visibility, built-in controls, and effortless day-to-day management.

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Efficient

Soldo eliminates manual reimbursements and minimises finance team backlogs, freeing up time for strategic tasks.

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“Soldo has given us control over what is being spent. It’s saving us lots of time, and making life easier for employees out in the field.”

Vernon
Accounting Manager, Brooks Running

Soldo company cards work the way your teams do

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Real-time oversight 

Issue physical or virtual cards in seconds. Set rules upfront and see spend as it happens.

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End reimbursements

Let teams spend company money within pre-set limits – no more paying out of pocket.

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Stay compliant 

Every payment follows your rules. Nothing slips through, nothing gets missed.

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Why choose Soldo?

Smart company cards built for progressive finance leaders

Soldo is more than a card. It is a platform that helps finance teams assign budgets, review spend, and reconcile faster, all in one place.

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Cards with more control

Give teams access to funds instantly, with built-in limits and usage rules.

Auto top-ups

Create policies that adapt to business needs and keep budgets topped up.

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Real-time visibility 

Always know who is spending what, where. No chasing. No missing data.

Mobile receipt capture

Capture, categorise, and reconcile transactions at the point of purchase.

More budget control, one card at a time

  • 62% time savings on claims management 
  • 80% time savings on monthly reporting 
  • 50% time savings on reviewing spend against budgets

*from The Total Economic Impact of Soldo, a commissioned study conducted by Forrester Consulting on behalf of Soldo in 2023

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Upgrade your company cards

No more chasing receipts. 

No more out-of-pocket. 

No more shared cards. 

Just simple, compliant spend.

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Frequently Asked Question

What is a business expense card?

A business expense card is a prepaid card that gives employees access to company money. Instead of having to use their own money (pay out-of-pocket), employees can use a business expense card to make purchases that relate to their work. Companies can allocate plastic or virtual cards to specific employees, teams, departments or projects to be used for spending with a pre-approved and allocated budget. To pay for business travel, for example, entertain clients or for recurring payments such as online subscriptions.

How do expense cards work?

Expense cards provide controlled and immediate access to company money that businesses can issue to employees, teams, departments or projects for business purchases. Unlike corporate cards, Soldo expense cards are separate from the main business bank and connect to expense management software. Companies can then control spending by allocating expense cards with custom limits and rules that ensure all payments adhere to their expense policy. Expense cards can be plastic or virtual cards and used online or in-store. Some expense cards are named physical cards, allowing for pre-approved spending for the duration of the employee’s time at the company. Other expense cards may be temporary virtual cards, created for a single ad-hoc purchase or for a limited amount of purchases over a specified period of time.

Can I put business expenses on my personal card?

Whether or not you can put business expenses on your personal card will depend on your company’s employee expense policy. Some companies will allow you to use your personal card and then they’ll pay you back as an expense reimbursement.

It’s important to check the expense policy first because this will tell you what kind of purchases are approved and how much you’re allowed to spend on specific items or within particular expense categories. If you put a business expense on your personal card that falls outside of the expense policy, you may not be able to get an expense reimbursement.

How do you monitor monthly expenses?

The most efficient way to monitor monthly expenses is by using expense management software. This allows you to review and track company spending in real-time with visibility over who is spending, on what and how much. Good expense management software will generate accurate reports across all transactions for you. You should also have the option to sync and reconcile expenses and receipts with your accounting software and other business systems. Monitoring monthly expenses through a single platform like this is easier than switching between spreadsheets or other systems and is less susceptible to human error.

Is a business card the same as a credit card?

No, a business card isn’t the same as a credit card. A business card – also known as an expense card or prepaid card – is a more secure option that provides greater visibility and control over spending. There are several differences between a business card and a credit card. A credit card, for example, relies on an employee using credit to make purchases. A statement usually arrives every 30 days and the business is able to settle the bill, along with any interest. A business card, on the other hand, is topped up with a pre-approved amount of company money that is transferred in from the main business bank account. That means no surprises at the end of the month.

Still have questions?

Can’t find the answer you’re looking for? Please chat to our friendly team.

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The website in all languages and for all markets is provided by Soldo Software Ltd., a company incorporated in the UK with company number 09233754 and VAT: GB204213566, whose registered office is 119 Marylebone Road, London, NW15PU, United Kingdom. All communications related to the website shall be sent to the registered office.

The software services provided to customers resident in or with registered office in an EEA country or in the UK are provided by Soldo Software Ltd a company incorporated in the UK with company number 09233754 and VAT: GB204213566, whose registered office is 119 Marylebone Road, London, NW15PU, United Kingdom. Soldo Software Ltd (data protection number: ZA 092035) complies with all applicable data protection and privacy legislation in force from time to time in the UK and the EU including the General Data Protection Regulation ((EU) 2016/679) and the Data Protection Act 2018. All the communications related to the software and related services shall be sent to the registered office. Soldo Software Ltd., 119 Marylebone Road, London, NW15PU, United Kingdom.

The software services provided to customers resident in or with registered office in Italy are provided by Soldo Italia S.r.l. , a company incorporated in Italy with company number 11864540965 at the Registry of companies of Milano, Monza, Brianza, Lodi, VAT: IT11864540965, and registered office at Via degli Olivetani 10/12, 20123 Milano (Italy). Soldo Italia Srl complies with all applicable data protection and privacy legislation in force from time to time in Italy including the General Data Protection Regulation ((EU) 2016/679). All communications related to the software and related services shall be sent to the registered office Soldo Italia Srl, Via degli Olivetani 10/12, 20123 Milano (Italy).

The financial services provided to customers resident in or with registered office in an EEA country are provided by Soldo Financial Services Ireland DAC, a company incorporated in Ireland with company number 610705, and registered office at 33 Sir John Rogerson’s Quay, Dublin 2, Ireland.  Soldo Financial Services Ireland DAC is regulated by the Central Bank of Ireland. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The card is issued by Soldo Financial Services Ireland DAC pursuant to a licence issued by Mastercard International Inc. Soldo Financial Services Ireland DAC complies with all applicable data protection and privacy legislation in force from time to time in Ireland, including the EU General Data Protection Regulation (EU 2016/679) and the Data Protection Acts 1988 - 2018. All communications related to financial services provided by Soldo Financial Services Ireland DAC shall be sent to Soldo Financial Services Ireland DAC, 33 Sir John Rogerson’s Quay, Dublin 2, Ireland.

The financial services provided to customers resident in or with registered office in the UK are provided by Soldo Financial Services Ltd., a company incorporated in the UK with company number 09495650, whose registered office is 119 Marylebone Road, London, NW15PU, United Kingdom, authorised as an Electronic Money Institution by the Financial Conduct Authority (firm registration number 900459). Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The card is issued by Soldo Financial Services Ltd pursuant to a licence issued by Mastercard International Inc. Soldo Financial Services Ltd. (data protection number: ZA147304) complies with all applicable data protection and privacy legislation in force from time to time in the UK and the EU including the General Data Protection Regulation ((EU) 2016/679) and the Data Protection Act 2018. All communications related to financial services provided by Soldo Financial Services Ltd shall be sent to Soldo Financial Services Ltd., 119 Marylebone Road, London, NW15PU, United Kingdom.