The flexible spend management platform.

Over 30,000 finance teams use Soldo to enable efficient company and employee spending without giving up control, so they can get back to the work that matters.

Automate your finance processes from decision to spend to reconciliation, with card payments, expense management, approvals, and accounting integrations.

TRUSTED BY OUR CUSTOMERS

From start-ups to enterprises, we’re trusted by businesses across Europe

Apple Pay: Make paying for expenses quick and easy

Add your Soldo card to Apple Pay for an easy, secure, and private way to pay – online, in apps, or in store – using your iPhone or Apple Watch.

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What makes us different

We’re the only platform built for both employee and company spend

Soldo is the flexible spend management platform. So, we can help you manage all your company spending – from department budgets, subscriptions, online ads, and petty cash to employee spending like business travel to employee expenses.

Recreate the structure of your organisation in our platform, complete with teams, departments, and projects, to map the way your business spends.

Choose the cards you need, set budgets, give access to shared or dedicated funds, and decide spending controls based on how you work. Then, capture the information you need for reconciliation, attribution and validation, integrate with your accounting system or ERP, and report on spending in real time.

WHAT MAKES US DIFFERENT

What’s included with Soldo

Company and employee cards

  • Assign physical or virtual Mastercard® cards to individuals or teams
  • Give access to shared or dedicated funds
  • Customise budgets and rules to control costs
Learn More

Employee expenses app

  • Replace paper forms and paying out of pocket
  • Manage spend and request purchases on the go
  • Capture receipts, VAT and spend information in minutes
Learn More

Management dashboard

  • See all your spending, expenses, and approvals in real time
  • Approve payments, set budgets, and create spend controls
  • Sync Soldo with accounting software including Xero, QuickBooks, Sage, and NetSuite
WHAT MAKES US DIFFERENT

What’s included with Soldo

1.  Company and employee cards

  • Assign physical or virtual Mastercard® cards to individuals or teams
  • Give access to shared or dedicated funds
  • Customise budgets and rules to control costs
Learn More

2.  Employee expenses app

  • Replace paper forms and paying out of pocket
  • Manage spend and request purchases on the go
  • Capture receipts, VAT and spend information in minutes
Learn More

3.  Management dashboard

  • See all your spending, expenses, and approvals in real time
  • Approve payments, set budgets, and create spend controls
  • Sync Soldo with accounting software including Xero, QuickBooks, Sage, and NetSuite
Payment Features

Enable efficient spending end-to-end

Flexible payments Link Arrow
Assign named cards to individual users or company cards to teams and projects, and avoid uncontrolled card-sharing. Create multi-currency wallets and cards in GBP, EUR and USD.
Adaptable structures Link Arrow
Create teams and departments within Soldo to match your organisation’s structure. Then set permissions, allocate funds, and decide budgets for each.
Approval workflows Link Arrow
Manage requests and approvals for online spending. Create dedicated cards for one-off purchases.
Security and compliance Link Arrow
Our platform features 3D Secure and Strong Customer Authentication. We’re PCI DSS Level 1 accredited, ISO 27001 and ISO 9001 certified, and regulated by the FCA.
Admin features

Automate financial admin

Expense management Link Arrow
Capture receipts on-the-go with the mobile app. Review and track spend with built-in post-approval processes and expense reporting.
Real-time reporting Link Arrow
Get accurate, real-time reports across all your transactions. Filter by card, wallet, group, spending category and more for a detailed view of company spending.
Accounting and integrations Link Arrow
Sync and reconcile all your expenses and receipts with your accounting software, including Xero, QuickBooks Online, NetSuite and Sage. Connect spend data with your business systems.

Plans that scale with your business

Apply in minutes and get going in as little as one working day. You can add more to your plans and change or cancel your plan at any time. Billing is monthly.

Start

£0 per user/month Up to 3 users and cards

A basic plan giving you a taste of the Soldo platform.

Pro

£6 per user/month Minimum of 3 users

Get added flexibility to control funds and manage company spending.

Enterprise

Custom Pricing Unlimited users and cards

For medium and larger businesses, that need customisation, flexibility and dedicated support.

These prices exclude VAT. The Soldo software platform is operated by Soldo Software Ltd. The emoney business account and payment services are provided by Soldo Financial Services Ltd and are subject to additional fees such as card issuance, cash withdrawals and others. See all the financial services fees here, and the typical limits here.

Frequently asked questions

How does Soldo work?

With Soldo, you control all business spending and – thanks to the integration with your accounting system – you can reconcile expenses quickly and easily. You can equip some or all employees, entire teams, or even external collaborators with Mastercard® Soldo cards , deciding who has access to company money and the rules by which to spend it.

Find out more

Is Soldo a business bank account?

No. Soldo provides additional spend management features that work alongside your business bank account, instead of replacing it. You can use your Soldo cards to separate staff spending from your main company funds, as well as accessing powerful new features that aren’t available with a traditional business bank account.

How secure is Soldo? What guarantees do I have?

Soldo Financial Services Ltd is an electronic money institution, authorised and regulated by the Financial Conduct Authority under the Electronic Money Regulations 2011: this means we have to follow strict compliance processes.  We don’t lend or take risks with customer money, we access it solely to execute the customer’s transactions. Client funds are always protected, as they are completely independent of Soldo’s business accounts and assets. The funds are safeguarded under UK Electronic Money Regulations 2017 and cannot be claimed by Soldo creditors.

Does Soldo integrate with my accounting system?

Yes, Soldo integrates with all major accounting systems. Soldo has the world’s most complete API connection to Xero, sending transactions daily via an automatic bank feed. Our seamless integrations with Xero, QuickBooks Online and NetSuite also make it easy to share enriched transaction data including receipts, categories, notes and much more – in just one click.

If you’re using another accounting platform – like Sage, FreeAgent or many others – Soldo makes it easy to export transaction data in a variety of formats, in two clicks. Transaction data can be exported in XLSX, CSV, QIF and OFX formats, making your data compatible with all major accounting software solutions.

What size company is Soldo suitable for?

Soldo isn’t just for small business, it’s for all business. Soldo scales from one card to any number, matching the structure of your organisation with wallets for departments or individuals, which fund cards for teams, employees or contractors.

Though our software is intuitive and easy to use, powerful reporting is made possible by smart filters and granular transaction data. So, whether your business has two employees or 20,000, Soldo can help you gain visibility and control over spending, while simplifying expenses and helping you gain the advantages of financial planning in your business.

What if I want to leave Soldo?

We’re sure you’ll be happy with our service, joining thousands of satisfied businesses. But if you ever want to leave, you can close your Soldo account at any time and all the funds available on your account will be transferred back to the account from which they were initially deposited.

Get started with effortless expenses

Join 30,000+ businesses who’ve already made the switch.