Soldo: presentation, uses and limits in 2026

Soldo is commonly used in companies to manage and control business expenses. In particular, it enables the distribution of personalized prepaid cards to employees, facilitating budget management and real-time tracking, which is a major strength regarding cost control.

The tool proves particularly relevant in contexts where decentralized expense management is necessary, such as in agencies, start-ups or SMEs with several employees. It optimizes financial reporting and provides greater visibility of cash flows.

On the other hand, certain limitations can be noted, notably a potential complexity for very small companies or structures not requiring advanced multi-user management. The additional costs associated with the use of certain cards or specific transactions can also be a brake for certain uses.

Soldo requires a moderate level of familiarity, suitable for users with basic knowledge of financial or administrative management. The tool is not intended for complete beginners without prior guidance.

However, several elements facilitate rapid adoption:

• intuitive, clear interface,
• complete, accessible online documentation,
• presence of customer support for guidance,
• template and workflow templates for expense management,
• integrated automations for recurring processes.

Soldo offers a basic, free formula for creating a business account with a limited number of users and prepaid cards. This option is suitable for small structures or trials with no commitment.

The Standard formula, available from €25/month, includes a larger number of users, advanced reporting features, and management of multiple cards per user. This formula mainly targets SMEs and growing teams.

The Premium formula, from €75/month, offers additional options such as project-based budget control, advanced accounting integration and priority customer support. It is aimed at companies with significant needs for tracking and customizing financial flows.

The key functionality of Soldo lies in the management of business prepaid cards. This function makes it easy to distribute cards to employees, with limits defined for each card, ensuring precise control over spending. The administrator can thus monitor transactions in real time, and block or reload cards quickly.

Another major feature is the centralized dashboard offering a complete overview of financial flows. It provides access to detailed reports, analyzing expenses by category, user or project, and exporting this data for accounting purposes. These tools facilitate decision-making and budget optimization.

Soldo incorporates advanced features such as automated expense validation workflows, customizable expense limits, and API integrations with accounting software. These options enable finer-tuned management.

These advanced capabilities are particularly suited to finance managers and accounting teams who require seamless integration with existing systems, as well as for organizations wishing to automate their internal processes. Key capabilities include:

• automated expense validation,
• management of customized authorizations,
• export and integration of accounting data,
• monitoring budgets by project or department.