Soldo vs Stripe Radar
A detailed comparison to help you choose between Soldo and Stripe Radar.
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Verdict: Stripe Radar wins
Stripe Radar scores 4.2/5, edging out Soldo at 4.0/5. Stripe merchants of any size who want network-scale fraud detection without building an integration, especially teams that will tune rules and run manual review on the Plus tier.
Soldo Zakelijke uitgavenkaarten | Stripe Radar AI fraud detection for online payments | |
|---|---|---|
| Rating | 4.0 (1 review) | 4.2 (1 review) |
| Pricing Model | paid | usage-based |
| Starting Price | Pricing varies | Pricing varies |
| 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. | Stripe merchants of any size who want network-scale fraud detection without building an integration, especially teams that will tune rules and run manual review on the Plus tier. |
| Free Tier | ||
| API Access | ||
| Team Features | ||
| Open Source | ||
| Tags | — | api access |
| Visit Stripe Radar → |
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)
Stripe Radar
Pros
- + Zero integration: Radar scores every transaction attempt on the Stripe account from day one — no SDK or setup work in my walkthrough
- + Rule backtesting runs against your own historical payments before a rule goes live, quantifying revenue impact before committing
- + Related-payments analysis exposes card-testing and trial-abuse rings by linking payments sharing email, IP, or card fingerprints
- + Radar Lite is included at no extra charge on standard Stripe Payments pricing, so small merchants get real card-fraud protection free
- + Risk threshold is adjustable from the Dashboard as a slider rather than a code change
Cons
- - Stripe-only: if you process with another acquirer the product does not exist for you
- - Custom rules, granular 0-99 scores, backtesting, and manual review moved to the Plus tier in the mid-2026 restructure — not Standard
- - Per-screened-transaction pricing charges on attempts, including failed ones, so card-testing attacks themselves generate screening fees
- - Legacy Radar and Radar for Fraud Teams users are migrated to the new pricing on 22 January 2027, changing existing cost structures
- - Non-Stripe payment protection via Radar risk signals is enterprise-tier only and quote-priced
Frequently Asked Questions
Which is better, Soldo or Stripe Radar?▼
Stripe Radar 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 Stripe Radar?▼
Soldo: Soldo issues prepaid company Mastercards with spending rules per card, and collects receipts and expense data for the finance team. Stripe Radar: Stripe Radar screens payments for fraud using machine learning trained on Stripe's network, with configurable rules and manual review.
Is Soldo or Stripe Radar more affordable?▼
Soldo starts at €0/mo, Stripe Radar starts at €0/mo. Check the comparison table above for current pricing.
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