Soldo

soldo.com
Expense Management
Few Days

Simplify Spend Management with Soldo | Liberate Finance, Accomplish More

How to Replace Soldo

Overview

Soldo is a decentralized spend management platform that combines customizable business cards with an expense management system to help companies control spending, automate financial administration, and empower employees. It provides real-time visibility over company spending, streamlines approval workflows, and integrates with accounting software to simplify month-end close processes.

Features

74 features across 16 categories

Accounting(2)

Fuel Invoice ReconciliationPremium

Reconcile fuel invoices automatically

VAT Rate Split Transactions

Split transactions with different VAT rates

Also in: Jobber, Melio, Lemonway

Automation(6)

Auto-transfer PresetsPremium

Move transactions with preset auto-transfer rules

Automated Expense Approval

Automate approvals and expense processing workflows

Autotags

Automatically tag transactions for better organization

Expense Categorization AutomationPremium

Automatically categorize expenses using rules

Receipt Capture & OCRAIPremium

Capture receipts using mobile app and automate receipt recognition with Optical Character Recognition

Receipt Matching & VerificationAIPremium

Match receipts to transactions with OCR-powered verification

Also in: monday.com, Notion, Airtable

Budget Management(2)

Budget Allocation & Management

Allocate ring-fenced funds and track impact of spending against budgets

Company Wallets

Create multiple wallets for team budgets with main wallet, user wallet, company wallet, and limited reserved wallet options

Also in: Melio, Plooto, Tipalti

Compliance(2)

Digital ArchivingPremium

Archive and store digital records of transactions and receipts

Legge di Bilancio Compliance Report

Generate compliance reports for Italian tax requirements

Also in: Insider CDP, Airtable, 1Password

Core Functionality(5)

Decentralized Spend Control

Centralize control of all company spending in one place while allowing employees to spend responsibly

Expense Categories

Organize spend into custom expense categories

Mobile App

Empower teams to capture expenses, track spend in real-time, and request company funds instantly on-the-go

Real-time Spend Tracking

Automate, track, and optimize company spend in real time

Transaction Funding Source SelectionPremium

Select funding sources for company transactions

Expense Management(7)

Business Trips Management

Request pre-approved funds for business trips

Discretionary Spend Management

Easily manage ad-hoc expenses across the organization

Mileage Reimbursement

Track and reimburse employee mileage

Out-of-pocket Transactions

Manage and reimburse employee out-of-pocket expenses

Transaction Attachments & Notes

Attach documents and add notes to transactions

Travel & Entertainment Tracking

Track travel and entertainment budgets and spending

Vehicle Management

Manage vehicle-related expenses with standard and advanced reminder options

Governance(7)

Card Rules & Presets

Create card rules and presets to enforce spending policies

Expense Policies

Enforce company expense policies across transactions

Out-of-office DelegationPremium

Delegate spending authority during out-of-office periods

Role-based Access ControlPremium

Set role-based access and controls at scale for enterprise users

Spend Controls & Limits

Enforce policies and limits on every transaction

Teams & Entities Management

Align spend with company hierarchy and organizational structure

User Permissions & Roles

Set user permissions and manage roles with standard and advanced options

Also in: MuleSoft, Looker, Okta

Integration(9)

Accounting Software Integrations

Connect with accounting systems for reconciliation and reporting

Custom IntegrationsPremium

Flexible integration options for any business system

eCommerce Integrations

Track and reconcile eCommerce spending

ERP Integrations

Connect business systems for one source of truth

HR Integrations

Sync employee and spend data with HR systems

HRIS IntegrationsPremium

Integrate with HR Information Systems at standard, advanced, or bespoke levels

Payroll CSV ExportPremium

Export reimbursement data in CSV format for payroll integration

Sandbox EnvironmentPremium

Test integration in a sandbox environment

Travel & Entertainment Integrations

Simplify business travel expense management with T&E integrations

Also in: monday.com, Notion, Airtable

Integration & Automation(3)

Accounting Automation

Sync spend data with accounting software automatically

Automatic Export to Accounting Systems

Automatically export spend data to accounting platforms

Bank Statement Reconciliation

Reconcile spend with accounting software in a single click

Payment Methods(13)

Apple Pay & Google Pay

Spend via Apple and Google Pay integration

Bank Transfer DelegationPremium

Delegate bank transfers to colleagues

Bank Transfers

Fast, easy business payments via bank transfers

Bulk Reimbursements via Bank Transfer

Process multiple reimbursements in bulk via bank transfer

Card Instant Issuance

Instantly issue physical or virtual cards

Debit Cards

Business debit cards for employee spending with full control

Fuel Cards

Track and control fuel costs with dedicated fuel cards

Fuel Transactions - MCC TrackingPremium

Track fuel transactions using Merchant Category Codes

Multi-currency SupportPremium

Manage multi-currency spending across geographies

Pre-paid Cards

Load funds onto cards and control spending with pre-paid options

Subscriptions & Online Ads Card

Dedicated card type for managing subscriptions and online advertising spend

Temporary Virtual Cards

Issue temporary virtual cards for specific online transactions

Virtual Cards

Instant-use online payment cards for digital transactions

Professional Services(3)

Custom ReportingPremium

Get custom-built reports tailored to business requirements

Custom Setup & OnboardingPremium

Personalized onboarding and configuration support

Professional Services Team AccessPremium

Access to professional services team for configuration and integration

Reporting & Analytics(8)

Expense Report Archiving

Archive and store historical expense reports

Expense Reports

Generate and manage expense reports

Magic Table Data Export

Export spend data using flexible templates

Operational Spend Visibility

Gain visibility over day-to-day operational costs

Overview Dashboard

Get a comprehensive overview of company spending

Reimbursement Reports

Generate reports on employee reimbursements

Reporting & Analytics

Get clear spend insights with real-time reports and data analysis

Transaction Reports

Generate detailed transaction reports

Security(1)

Single Sign-On (SSO)Premium

Enterprise authentication via Single Sign-On

Support(2)

Business Hours Support

Access support during standard business hours

Customer Success Team AccessPremium

Dedicated customer success support for enterprise customers

Sustainability(1)

CO2e TrackerPremium

Track and monitor ESG impact and carbon emissions

Workflow Automation(3)

Custom Expense Approval WorkflowsPremium

Build custom approval workflows tailored to business processes

Requests & Approvals

Empower teams to request funds with approval workflows

Workflow BuilderPremium

Build custom approval and expense workflows

Pricing

Standard

£21/month +VAT
  • 1 wallet
  • 3 users
  • 3 physical or virtual cards
  • Up to 20 outbound bank transfers per month
  • Set user permissions and manage roles
  • Spend via Apple and Google Pay
  • Capture receipts using mobile app
  • Connect to accounting software
  • Business hours support
  • Single-user employee card
  • Bank transfers
  • Transaction attachments and notes
  • Out-of-pocket transactions
  • Mileage reimbursement
  • Vehicle management
  • Overview dashboard
  • Transaction reports
  • Expense reports
  • Expense report archiving
  • Reimbursement reports
  • Expense categories
  • Automatic export to accounting systems

Plus

Popular
£33/month +VAT
  • Everything in Standard
  • 3 company wallets
  • 3 users
  • 3 physical or virtual cards
  • Up to 30 outbound bank transfers per month
  • Create wallets for team budgets
  • Manage multi-currency spending
  • Automate receipt capture with OCR
  • Integrate with Amazon Business account
  • Additional support for setup
  • Multi-currency support
  • Auto-transfer presets
  • Transaction funding source selection
  • Advanced card rules
  • Advanced request & approvals
  • Out-of-office delegation
  • Temporary virtual cards
  • Card instant issuance
  • Subscriptions and online ads card
  • Receipt matching and verification
  • Bulk reimbursements via bank transfers
  • Magic table data export
  • VAT rate split transactions
  • Autotags

Unlimited

Custom
  • Everything in Plus
  • Unlimited company wallets
  • Unlimited users
  • Unlimited Soldo cards
  • Unlimited outbound bank transfers
  • Set role-based access and controls at scale
  • Delegate bank transfers to colleagues
  • Automate expense categorization
  • Build custom expense approval workflows
  • Integrate with SAP Concur
  • Integrate with 100+ software systems
  • Tailored integration setup support
  • Customer success team access
  • Professional services team access
  • Role-based access control at scale
  • Workflow builder
  • CO2e tracker
  • Fuel invoice reconciliation
  • Fuel transactions - MCC tracking
  • Single sign-on (SSO)
  • Digital archiving
  • Payroll CSV export
  • HRIS integrations
  • Sandbox environment
  • Custom integrations
  • Mastercard smart data integration

Cost Calculator

Keep Paying Soldo

Monthly$21/mo
Yearly$252/yr
5-Year Total$1.3k

Build It Yourself

Est. Build Time~8 hrs
Hosting$20/mo
DifficultyEasy

Total Cost Comparison

1 YearSave $12
SaaS
$252
DIY
$240
3 YearsSave $36
SaaS
$756
DIY
$720
5 YearsSave $60
SaaS
$1.3k
DIY
$1.2k

DIY hosting estimate based on Vercel + Supabase free/pro tiers (~$20/mo). Build time estimated from 74 features at easy complexity.

Build vs Buy

Should you build a Soldo alternative or buy the subscription? Estimate based on 74 features.

Buy Soldo

Better Value
Monthly cost$210/mo
3-year total$7,560
Time to deployDays

Build Your Own

Development cost$60,000
Maintenance$900/mo
3-year total$92,400
Dev time~5 months

Buying Soldo saves ~$84,840 over 3 years vs building.

Estimates based on 74 features and a BuildScore of 4/5. Actual costs vary.

Integrations

17 known integrations

Amazon BusinessApple PayDATEVExact OnlineGoogle PayHRIS Integration (Advanced)HRIS Integration (Bespoke)HRIS Integration (Standard)MastercardMicrosoft Dynamics 365NetSuiteQuickBooksSage IntacctSAP ConcurTravelPerkXeroZTravel (Zucchetti)