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

Pick Pliant if

• Fits if your company spends over 10,000 euros a month on cards
• Works for EU and UK firms that want a credit card rather than prepaid

Look elsewhere if

• Not for you if you are a freelancer, sole trader or spend under 10,000 euros a month, as Pliant says it is not a fit
• Pricey if you can't see a price, as none is published
• Watch out: the cards need a good credit rating and come from Pliant Oy or Transact Payments Limited
• Watch out: Standard's cashback depends on volume, and its insurance package has a custom extra fee

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

Pliant

• Plans (Light, Standard and Custom) carry no published price; the site says price is calculated per business and points to a demo.
• Pliant says it is not the right fit for freelancers, sole traders or companies spending under 10,000 euros a month on cards.
• Cards are credit cards that need a good credit rating; the site says they are issued by Pliant Oy in the EU and Transact Payments Limited in the UK.
• Cashback on Standard depends on transaction volume, and its insurance package carries a custom extra fee.

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.

Pliant

Credit cards

Visa credit cards, not prepaid or debit, in black Platinum Business or metal Infinite Business versions, plus virtual and single-use cards.

Spend controls

Card limits are set flexibly per card and spend is reported in real time inside the Pliant app and web platform.

Accounting and travel exports

Connectors cover DATEV, Lexware Office, Microsoft Dynamics 365 and Oracle NetSuite, with CSV exports for others.

Accounts payable and transfers

Business accounts, FX and cross-border transfers, and accounts payable workflows sit next to the cards.

Pro API and card programs

The Pro API is on the Custom plan, and a separate cards-as-a-service offer lets banks and platforms launch their own programs.

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.

Pliant

Pricing could not be confirmed. See getpliant.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.