Payhawk vs Soldo (2026): which should you pick?
As of Nov 12, 2026, Soldo grades higher than Payhawk: 2.2 against 1.8 out of 4.0.
Checked Nov 12, 2026 · graded Nov 12, 2026 by ToolGPA
Soldo grades higher on the free plan. They get the same grade on value for money, features, ease of use and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Soldo
Prepaid company cards and spend control for UK and EU teams
Free trial · from £27/mo
Which one is for you
Pick Payhawk if
- Fits if you want cards, expenses and payables on one platform
- Works for firms on the accounting systems it lists
Look elsewhere if
- Pricey if you can't see a price, as the page leads to a demo
- Watch out: NetSuite, Dynamics 365, SAP S/4HANA and advanced HR links are add-ons
- Watch out: currency conversion carries a 0.3% mark-up on EUR, GBP, USD and CHF and 0.7% on DKK and PLN
- Tight if you need budgets or travel, as both are paid add-ons
- Skip it if you use Android, as only a web and iOS listing is on record
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
How we grade them
| 1.8GPAPayhawkWeak | 2.2GPASoldoFair | |
|---|---|---|
| Value for money | CNo price is published, so we leave it at the middle of the category's $7.50, $12 and $20 figures. | CStandard is £27 a month plus VAT for 3 users and 3 cards, roughly $12 a head, which is the middle of the category's range. Plus is £39. |
| Free plan and trial | FNo free plan and no trial; the pricing page is built around modules and a demo request. | CA 30-day free trial on Standard and Plus, with no free plan. The page doesn't say whether it needs a card. |
| Features | CCards, expenses, payables, procurement, accounting automation, travel and AI agents. Budget management and business travel are separate add-ons. | CCards and wallets, spend controls, receipt capture, bank transfers and accounting exports. The listing shows no reimbursements or mileage, and NetSuite, Dynamics 365 and SSO are add-ons on lower plans. |
| Ease of use | CNo store rating on record. Modules, cards and accounting links to set up. | CNo store rating on record. Wallets, cards and an accounting link to set up. |
| Platforms and integrations | BWeb and iPhone, with eight integrations on record. No Android app listed. | BWeb only on record, with eight accounting integrations. |
| Best for | cards, expenses and payables for EU companies | company cards and wallets for UK businesses |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Payhawk and Soldo. How we grade
Where they differ
In commonWebWorkflow automationExpense trackingBill payCompany cards
At a glance
| Payhawk | Soldo | |
|---|---|---|
| Pricing | Paid | Free trial |
| Starts at | Not published | £27 per month plus VAT |
| Free plan | None | None |
| Free trial | None listed | 30-day free trial on Standard and Plus |
| Web | ||
| iOS | ||
| Made by | Payhawk | Soldo Software Ltd |
| Price read from | Not confirmed | soldo.com |
| Checked | Nov 12, 2026 | Nov 12, 2026 |
Worth knowing
Payhawk
- No prices are published; the pricing page is built around modules and a demo request.
- NetSuite, Dynamics 365, SAP S/4HANA and advanced HR integrations are marked add-ons.
- Currency conversion carries a stated mark-up of 0.3% on EUR, GBP, USD and CHF and 0.7% on DKK and PLN.
- Budget management and business travel are separate add-ons to the core platform.
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.
Key features
Payhawk
- Corporate cards
- Physical and virtual debit cards in several currencies, with single-use virtual cards and spend limits by amount, merchant, category or country.
- Automatic expense creation
- An expense is created on each card payment, with receipt capture, mailbox matching and reminders, plus mileage and per diem reimbursements.
- Accounts payable and procurement
- Invoice capture and approval, purchase order requests and 2-way and 3-way matching, with supplier payments in 115 currencies.
- Accounting automation
- Automated coding and VAT coding, with live integrations to Xero, QuickBooks Online and Exact Online, and native ERP add-ons such as NetSuite.
- Business travel module
- Flight and hotel booking with custom travel policy, trip approvals and automatic per diems calculated from bookings.
- AI agents
- Procurement, Payments and Financial Controller agents for the finance team, with an MCP connection for Claude and ChatGPT.
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.
Plans
Payhawk
Pricing could not be confirmed. See payhawk.com.
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.
Common questions
Which is cheaper, Payhawk or Soldo?
As of Nov 12, 2026, Payhawk has no price we could confirm, and Soldo starts at £27 per month plus VAT.
Which has a free plan, Payhawk or Soldo?
As of Nov 12, 2026, neither Payhawk nor Soldo has a free plan. Soldo has a free trial.
Which platforms do Payhawk and Soldo run on?
As of Nov 12, 2026, only Payhawk lists an iOS app. Both list a web app. A platform missing from a listing is one its maker's pages did not mention.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.