Discretionary Spend Management

Capture business-wide discretionary spend

Controlling the expenses that keep your business moving and growing is easier with Soldo’s real-time tracking and advanced spend controls.

discretionary-spend-hero-image-Soldo

We've helped thousands of businesses simplify their business spending

When spend goes unchecked, it drains your budget.

Discretionary spend helps your business adapt. But without the right controls, it can slowly and quietly eat into your bottom line. Soldo helps you control spend without creating bottlenecks.

Reduce risk
Replace unclear approvals with crystal-clear spend limits and real-time tracking.

Lower admin
Automate approvals and cut reconciliation time all while keeping budgets on track.

Control spend before it happens

Custom spend rules

Issue cards for perks, events, or ad campaigns with pre-set limits and policies.

See how

Team-specific trends

Track spend by teams and department to account for every company penny.

See how

Faster reporting

Tag transactions to improve forecasting and speed through month-ends.

See how

“We chose Soldo for both individual and departmental cards. It helps us handle all company expenses, from online ads to travel, hotels, and restaurants, in one place”

Edoardo Raimondi
CFO , Talent Garden

Built for how businesses spend

Software trials, team perks, a targeted ad campaign. Discretionary spend is, by nature, dynamic. It helps your business move, grow, thrive. Soldo helps contain the chaos. Finance teams have the controls they need to keep spending on track — without slowing the business down.

Learn more

More flexibility and more control

Prepaid company cards for easy payments

Empower employees to spend within clear boundaries — with rules set by amount, merchant, location, and more.

Learn more
discretionary-spend-feature-image2-Soldo

Spend Management Platform for total visibility

See spend as it happens and stop overspending before it starts — with smart workflows and instant oversight.

Learn more
discretionary-spend-feature-image3-Soldo

Mobile app for more control and traceability

Build your spending policies into Soldo — so every transaction follows the rules, without manual checks.

Learn more
discretionary-spend-feature-image4-Soldo
Integrations

See the big picture

Discretionary spend is only part of the story. Connect Soldo with your accounting tools to simplify reconciliation and reporting.

View all integrations

The smart way to manage discretionary spend

Empower teams, protect budgets, and give finance full control — all in one platform.

Book a demo
discretionary-spend-cta-image-Soldo

Frequently asked questions

Your questions about discretionary spending answered.

What is discretionary spending?

Discretionary spending refers to non-essential business expenses that are not critical to day-to-day operations. These may include staff perks, travel, client entertainment, or branded merchandise.
They can be managed or deferred without disrupting core functions.

How does discretionary spending differ from essential spending?

Essential spending covers operational necessities such as salaries, rent, utilities, and software subscriptions. . Discretionary spending includes expenses that enhance business culture or relationships but are not vital for keeping the business running.

What are some common examples of discretionary expenses in a business?

Examples include business travel, team lunches, staff events, training courses, office décor, promotional giveaways, and client entertainment. While valuable, these can be adjusted depending on financial goals.

How can a business manage discretionary spending?

With Soldo, businesses gain real-time visibility and control over discretionary spend. You can issue smart payment cards to teams, set budgets by category or project, and apply spending limits that align with company policies.

Still have questions?

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

Book a demo
Soldo® 2025 All rights reserved
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.