Decentralised Spend

Centralise spend, not decision making

Give your teams the freedom to buy what they need, while allowing Finance to see and manage it all on one central platform.

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42%

of finance leaders agree their lack of visibility increases the risk of non-compliance and fraud.

45%

of finance leaders report current spend management processes slow down decision-making.

39%

of finance leaders say inefficient processes waste team resources.

We've helped thousands of businesses simplify their business spending

Decentralised spend ≠ disorganised spend

When spending goes through different cards, processes, and spreadsheets, Finance is left in the dark. Soldo sheds light on what’s happening – who is spending company money, where, and on what. The outcome: You stay in control, while the rest of the business has the freedom and resources to get their jobs done.

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Agile

Empower employees to spend what they need, when they need it – with guardrails that keep finance in control.

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Orderly

Bring consistency to spending processes across teams and locations. Track activity in one place, with clear rules and real-time visibility.

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Efficient

Reduce admin, speed up reconciliation, and simplify approvals—so finance and teams can spend less time on spend.

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“Soldo’s cloud-based solution provides greater control over company spend while delivering real-time visibility and traceability for decentralised, cross-department spend.”

IDC Vendor Profile

One platform. Full visibility. No disruption.

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Real-time oversight

Track spend across every team, location, or project as it happens.

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Hands-off control

Let departments manage their own budgets, while you manage the rules. 

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Smarter planning

Unify your data for faster reconciliation and more accurate forecasting. 

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Why choose Soldo?

Decentralised spend management built
for centralised control

Soldo gives you the structure to keep spend under control and the flexibility to let
teams work the way they need to. 

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Multi-wallet setup

Allocate spend across departments, cost centres, or business units.

Prepaid cards

Issue cards that follow the rules so spend stays within budget, by default.

Real-time visibility

See every transaction, across the business, from one central dashboard.

Flexible approval flows

Mirror your organisation’s structure without holding up decisions.

All your spend, in one place

  • 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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A centralised approach to decentralised spending

Give teams the freedom to spend and finance the oversight to manage it all with confidence.

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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.