What Soldo is in plain English

Soldo is a smart way to give people the money they need to do their jobs while keeping Finance in full control. It combines prepaid Mastercard company cards with an easy platform and mobile app so you see spend in real time, set rules up front, and close the books faster. Cards can be physical or virtual, and you can work in GBP, EUR, and USD with budgets that mirror your org. (soldo.com)

Why back offices care

• Cuts month‑end chaos: Spend is captured with receipts, tags, VAT and notes at the point of purchase, so Finance reconciles faster with fewer errors. Many teams report big time savings because Soldo automates a large chunk of manual expense admin. (soldo.com)

• Real‑time visibility and control: See every transaction as it happens, lock or unblock cards instantly, and adapt limits without waiting for a statement. (soldo.com)

• Cleaner accounting data, fewer reworks: One‑click exports and direct integrations with leading systems mean less copy‑paste and fewer mismatches. (soldo.com)

How Soldo keeps spend under control

• Custom card rules that stick to policy: Set per‑card or bulk rules for daily/weekly/monthly limits, per‑transaction caps, merchant categories, cash withdrawals, contactless, and geo‑controls. Changes apply immediately. (support.soldo.com)

• Budgets that match your org: Use “wallets” to ring‑fence funds by team, project, location, or person. Top up automatically so work doesn’t stall. (support.soldo.com)

• Approvals that move at business speed: Build multi‑step approval workflows. Managers review and approve on mobile, with a full audit trail from request to spend. (support.soldo.com)

What employees get (and why they’ll actually use it)

• A simple mobile app: Snap a receipt right after paying, add notes, and you’re done. The app nudges people if something’s missing and can even use OCR to prefill details automatically. (support.soldo.com)

• Fewer out‑of‑pocket claims: Give the right people controlled access to company money so they don’t front costs and wait for reimbursement. (soldo.com)

• Apple Pay and Google Pay support for fast, secure tap‑to‑pay on the go. (soldo.com)

Built for your finance stack

• Accounting platforms: Out‑of‑the‑box sync with Xero, QuickBooks, Sage, DATEV, Exact and more. Daily bank feeds, enriched data (receipts, tax codes, tracking codes), and push‑button exports. (soldo.com)

• ERP depth where you need it: Dedicated NetSuite integration (plus bank feeds) with token‑based auth, custom fields, and journal export logic. P‑card flows play nicely with suites like Oracle and Sage. (support.soldo.com)

Security, compliance, and trust

• Certifications that matter: Soldo is PCI DSS Level 1 and ISO/IEC 27001 certified; it also lists ISO 9001 and Cyber Essentials Plus across its security materials. (soldo.com)

• Regulated financial services: Cards are issued by Soldo Financial Services Ireland DAC (regulated by the Central Bank of Ireland) and, for UK customers, by Soldo Financial Services Ltd (authorised by the FCA). Funds are safeguarded and kept separate from Soldo’s own accounts. (support.soldo.com)

• Strong access controls: App‑based approvals and SCA help secure user logins and actions. (support.soldo.com)

Where Soldo fits best

• Multi‑office or project‑driven teams that need granular budgets, controls, and instant visibility (field ops, marketing, construction, care, retail, non‑profits).

• Back offices aiming to standardize spend across entities with consistent policies, workflows, and data capture.

Geography note for US‑based finance leaders

If you’re headquartered in the United States but run UK or EEA entities, Soldo is a strong fit: it serves customers across the EU/EEA and UK, supports USD/GBP/EUR, and Soldo cards can be used worldwide wherever Mastercard is accepted. Many US groups onboard their European subsidiaries first to standardize spend and reporting. (support.soldo.com)

Plans and rollout

• Standard, Plus, and Unlimited tiers scale from simple carded spend to enterprise workflows, advanced integrations, and professional services/account management for complex rollouts. Getting started typically takes minutes to apply and you can be up and running quickly. (soldo.com)

What Soldo is (and isn’t)

• Soldo is a spend management and payments platform that complements your bank accounts.

• It is not a bank and doesn’t offer lending; it focuses on control, compliance, and efficient distribution of company funds. (support.soldo.com)

The back‑office impact you can expect

• Fewer surprises: Real‑time tracking and preset rules reduce shadow spend and end‑of‑month curveballs. (soldo.com)

• Faster close: Receipts, coding, and approvals are captured once and flow straight to your ledger. (soldo.com)

• Tighter governance: Auditable approvals, policy‑driven spend, and safeguarded funds support compliance without slowing the business down. (soldo.com)

Bottom line

If you want a back office that’s both in control and easy to work with, Soldo gives you the tools to set clear rules, empower teams, and keep your data clean from swipe to close. It’s a practical way to modernize decentralized spend without adding headcount or hoops. (soldo.com)