Mooncard vs Soldo (2026): which should you pick?

Pick Mooncard if

• Fits if you run a company in France that wants cards and receipts in one tool
• Works for finance teams that hand accounts to Sage, Cegid or SAP

Look elsewhere if

• Skip it if you want a posted price, since both packages are quoted after a demo
• Pricey if you want a card that costs nothing to issue, as the page states 10 euros a card
• Watch out: custom approval flows and duplicate detection are options on both packages
• Watch out: Flying Blue cards show 1.5% or 3% load fees, and the site is French with an English switch

Pick Soldo if

• Fits if you are an incorporated UK business that wants controlled prepaid cards
• Works for teams that start with 3 cards and add more later

Look elsewhere if

• Pricey if you add people, as £27 covers 3 users and 3 cards and each plan has transfer limits
• Not for you if you are a sole trader, as only incorporated businesses can open an account
• Watch out: prices are in pounds, exclude VAT and don't say if they are billed monthly or yearly
• Watch out: card issuance and cash withdrawals carry separate financial services fees

Mooncard

• No prices are published; both packages, Original and Hub, are quoted after a demo request.
• The pricing page states a card issuance fee of 10 euros and a 0% load fee; Flying Blue cards show 1.5% or 3%.
• Several controls, including custom approval flows and duplicate detection, are marked as options on both packages.
• The site is in French, with an English switch; the Visa card is issued by Paynovate, according to its legal notice.

Soldo

• Prices are in pounds and exclude VAT; the page does not say whether they are billed monthly or annually.
• Card issuance and cash withdrawals carry separate financial services fees.
• Only incorporated businesses can open an account; sole traders cannot.
• NetSuite, Dynamics 365 and SSO are add-ons on lower plans.

Mooncard

Physical and virtual Visa cards

The pricing page lists physical Visa cards, recurring or single-use virtual cards, Apple Pay and Google Pay, 3D Secure and cash withdrawals at ATMs.

Spending rules

Limits can be set per employee, per purchase and per period, with rules by hours, days, merchant type and expense type, plus alerts when a limit is passed.

Receipt capture

SMS and push notifications ask the cardholder for the receipt, and OCR reads the details. Cards can be blocked automatically while receipts are missing, as an option.

Accounting engine

Expense categories, VAT codes and export templates are configurable, with bank reconciliation, evidential archiving and exports to accounting software.

Expense reports and mileage

Expense report entry and mileage allowances are listed as options on both packages, alongside approval workflows and duplicate detection.

Multi-entity reporting

The Hub package adds management and reporting across several legal entities, with five seats per entity and preferential pricing for entities.

Soldo

Cards and wallets

Mastercard prepaid cards for employees or shared use, temporary virtual cards, fuel cards and Apple and Google Pay, funded from wallets.

Spend controls

Card rules, expense policies and pre-approval requests let finance set limits before money is spent.

Receipt capture

Receipts are captured in the mobile app, with OCR matching on Plus and above, and expense review workflows.

Bank transfers

Standard and Plus include outbound transfers over Faster Payments (UK) and SEPA (EU), subject to eligibility.

Accounting exports

Integrations with Xero, QuickBooks, Sage Intacct, Exact Online and DATEV, plus exports in XLSX, CSV and PDF.

Mooncard

Pricing could not be confirmed. See mooncard.co.

Soldo

• Standard£27

  per month, plus VAT; billing basis not shown

  1 wallet, 3 users, 3 cards, up to 20 outbound bank transfers a month, receipt capture and accounting connections.

• Plus£39

  per month, plus VAT; billing basis not shown

  3 company wallets, 3 users, 3 cards, 30 outbound transfers a month, multi-currency, OCR receipt capture and Amazon Business.

• UnlimitedCustom

  Unlimited wallets, users, cards and transfers, custom approval workflows, SAP Concur integration and a customer success team.