Softwr

Accounting · head to head

ADP vs Soldo

ADP logo

ADP

Accounting

Always Designing for People

From
$29/month
Rated
-
Full reviewWebsite
Soldo logo

Soldo

Accounting

Prepaid company card and spend control platform for European businesses

From
£21/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: ADP no pricing is published; every quote is custom and driven by employee count and which services are taken; Soldo cards are prepaid, so if the central wallet runs low the cards decline in front of a supplier, and treasury has to keep an idle float funded rather than using a credit line.
  • They diverge on capability: ADP covers Payroll, Soldo covers Prepaid company cards.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which ADP and Soldo actually diverge.

Attributes where ADP and Soldo differ
AttributeADPSoldo
Starting price$29/month£21/month
Pricing modelsubscriptionPer user per month
Founded1949Unknown

Identical on both: free tier (No), platforms (Web, Ios, Android), user rating (Not yet rated), category (Accounting).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in ADP

  • Payroll
  • Tax services
  • HR management
  • Time & attendance
  • Benefits administration
  • QuickBooks
  • Sage
  • Oracle

Only in Soldo

  • Prepaid company cards
  • Card-level budgets
  • Receipt capture
  • Accounting export
  • Multi-currency wallets
  • Approval workflows

What people use each for

The jobs each tool is most often brought in to do.

ADP

  • Payroll processing and tax filingnot Soldo
  • HR administration and employee recordsnot Soldo
  • Time and attendance trackingnot Soldo
  • Benefits administrationnot Soldo
  • Talent management on the mid-market and enterprise productsnot Soldo

Soldo

  • A construction firm giving site managers fuel and materials cards with hard per-card limitsnot ADP
  • A marketing team issuing virtual cards per subscription so a cancelled tool cannot keep billingnot ADP
  • A UK company that cannot get approved for a credit-based corporate card programmenot ADP
  • A multi-entity European business needing EUR and GBP wallets without conversion on every purchasenot ADP

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

ADP

  • No pricing is published; every quote is custom and driven by employee count and which services are taken
  • Split into three separate products by company size, RUN for 1 to 49 employees, Workforce Now for 50 and above, and Lyric HCM for enterprise, so growing across a threshold means changing product rather than plan

Soldo

  • Cards are prepaid, so if the central wallet runs low the cards decline in front of a supplier, and treasury has to keep an idle float funded rather than using a credit line.
  • The plan fee covers only three users, and per-user charges plus physical card fees mean the real monthly cost is several times the advertised headline for a team of twenty.
  • It does not extend credit, so it gives no working capital benefit and no card rewards of the kind US charge card issuers use to offset their cost.
  • Sole traders and some business types are not accepted, which catches out small consultancies expecting to sign up online.
  • Coverage is European; a company with US or Asian subsidiaries will need a second card programme and a second expense workflow for them.

Pricing, plan by plan

ADP

$29/month
  • Essential$79/month
    • Payroll
    • Tax filing
    • Direct deposit
  • Enhanced$139/month
    • HR tools
    • Background checks
    • Job posting

Soldo

£21/month
  • Standard$21/month
    • Three users included
    • Around £7 per additional user per month
    • Physical card issuance fee around £5, virtual around £1
  • Plus$33/month
    • Three users included
    • Around £11 per additional user per month
    • Advanced approval and multi-currency features
  • Enterprise$undefined/month
    • Quoted pricing
    • Custom card volumes and entity structures
    • Dedicated account management

Which should you pick?

Choose ADP if

  • You need payroll.
  • You work on Web, Ios, Android.
  • You also want tax services.
ADP review

Choose Soldo if

  • You need prepaid company cards.
  • You work on Web, iOS, Android.
  • You also want card-level budgets.
Soldo review

Questions people ask

Is ADP or Soldo better?
Neither clearly leads. ADP starts at $29/month and Soldo at £21/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, ADP or Soldo?
ADP starts at $29/month and Soldo at £21/month.
Does ADP or Soldo run on more platforms?
ADP runs on Web, Ios, Android. Soldo runs on Web, iOS, Android.
What is ADP best used for?
ADP is most often used for payroll processing and tax filing, hr administration and employee records, time and attendance tracking, benefits administration. Of those, payroll processing and tax filing and hr administration and employee records are not what Soldo is typically brought in for.
What can ADP do that Soldo cannot?
ADP covers Payroll, Tax services, HR management, Time & attendance. Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export.

Answered from the vendors’ own pages

ADP: How is ADP pricing organized?

ADP organizes pricing by business size: Small Business (1-49 employees), Midsized (50-999 employees), and Enterprise (1,000+ employees). Each segment receives customized pricing tailored to specific business needs.

Source
Soldo: Is Soldo a credit card?

No. It is prepaid electronic money. You fund a wallet and cards spend from it, so there is no credit line and no interest-free period.

ADP: Is there a current promotional offer for ADP payroll?

ADP currently offers 3 months free when signing up for small business payroll (promotion ends 9/24). Contact sales at 800-225-5237 for details and to request pricing based on your employee count.

Source
Soldo: What licence does Soldo hold?

Soldo is authorised as an electronic money institution, including UK, Irish and Italian entities, which is why it can issue cards without a sponsor bank in those markets.

Soldo: What does it really cost for twenty users?

Take the plan fee, add the per-user rate for the seventeen users beyond the included three, then add card issuance fees per physical card.

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