Soldo vs BILL
A detailed comparison to help you choose between Soldo and BILL.
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Verdict: BILL wins
BILL scores 4.2/5, edging out Soldo at 4.0/5. Small and mid-sized businesses whose AP/AR chore eats hours every week and who want bill capture, approvals, payments and ledger sync in one platform, with accountants in the loop.
Soldo Zakelijke uitgavenkaarten | BILL Accounts payable & expense | |
|---|---|---|
| Rating | 4.0 (1 review) | 4.2 (1 review) |
| Pricing Model | paid | freemium |
| Starting Price | Pricing varies | From $49/mo |
| Best For | Incorporated European businesses that want to issue prepaid company cards with real pre-purchase spend controls and automated receipt-to-accounting flow, and can live within the Plus tier's feature set. | Small and mid-sized businesses whose AP/AR chore eats hours every week and who want bill capture, approvals, payments and ledger sync in one platform, with accountants in the loop. |
| Free Tier | ||
| API Access | ||
| Team Features | ||
| Open Source | ||
| Tags | — | — |
Soldo
Pros
- + Controls fire before the money moves: per-card caps and merchant-category rules declined my test transaction at the point of sale instead of flagging it later
- + Card range is wider than most rivals — physical, virtual, temporary, multi-user company, fuel and subscription cards, all with Apple/Google Pay (soldo.com/en-gb/pricing)
- + Xero integration carried receipts and categories into reconciliation and removed the manual matching step in my trial; Capterra reviewers report 4-5 hours/week saved on receipt input
- + Transparent entry pricing at £27/£39 per month plus VAT with a 30-day trial and published financial-services fee summary, rather than sales-gated quotes (soldo.com/en-gb/pricing, at time of writing)
- + FCA-authorised e-money institution (ref 900459) and Mastercard-issued cards — regulated money, not a software wrapper; Trustpilot 4.89/5 from 1,761 reviews (April 2026, via businessexpert.co.uk)
Cons
- - No free plan and no service for sole traders — incorporated entities only (soldo.com/en-gb/questions)
- - Table-stakes features sit above Standard: OCR receipt verification, multi-currency wallets and advanced approvals all require Plus at £39/month
- - Nearly every serious integration is an add-on — NetSuite, Dynamics, SAP Concur, SSO, API, payroll CSV and Amazon Business all cost extra (soldo.com/en-gb/pricing)
- - Reporting is the recurring weakness in reviews: limited for advanced analysis, and PDF expense reports render attached invoice images at poor quality in my test
- - The 2023 move from per-card to per-user pricing raised costs for customers with non-spending users like accountants (Capterra reviews)
BILL
Pros
- + Bill capture and coding does the typing for you — recurring invoices came back vendor-matched with line items split correctly in my test, and the Team-tier AI coding agent handled multi-line invoices properly
- + W-9 Agent auto-collects and verifies vendor W-9s across every plan — the feature anyone who has survived a 1099 January will pay for
- + Approval routing works as real internal controls: two-approver thresholds enforced, with cheap approver-only users on Corporate to keep seat costs sane
- + Free $0/user Spend & Expense product (cards, budgets, expenses, $1k–$5M credit lines) is genuinely useful standalone, not a crippled demo
- + Maturity is the reliability story: founded 2006, NYSE-listed since 2019, 8M+ vendor payments network, mainstream ledger integrations and an accountant console
Cons
- - Per-seat pricing adds up fast: $49–$89 per user/month means a ten-person company runs $5,880–$10,680 a year for AP/AR alone
- - Basic governance is paywalled — custom approval policies need the $89 Corporate tier and custom roles need $65 Team
- - International payouts are wire-based with per-transfer fees (a competitor cites $19.99 per international USD wire), which is beaten on cost by local-rail fintechs
- - Integration depth varies by accounting software — the pricing page itself warns features differ per ledger
- - Payments are a revenue line for BILL: method fees, float and card acceptance costs sit beneath the subscription price
Frequently Asked Questions
Which is better, Soldo or BILL?▼
BILL scores higher at 4.2/5 vs 4.0/5 for Soldo, making it the better-rated option in our comparison.
What is the difference between Soldo and BILL?▼
Soldo: Soldo issues prepaid company Mastercards with spending rules per card, and collects receipts and expense data for the finance team. BILL: Finance software for small businesses to pay bills, send invoices and manage approvals, with accounting sync. AP/AR plans start at $49 per user/month; expense cards are free.
Is Soldo or BILL more affordable?▼
Soldo starts at €0/mo, BILL starts at €49/mo. Check the comparison table above for current pricing.
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