Accounting · head to head
Cledara vs Soldo
Cledara
Accounting
Software subscription management with a virtual card per application, priced from £100 a month
- From
- £100/month
- Rated
- -
Soldo
Accounting
Prepaid company card and spend control platform for European businesses
- From
- £21/month
- Rated
- -
The short version
- Each has a real cost: Cledara control only extends to subscriptions paid on a Cledara card, so anything billed by invoice, bank transfer or a legacy company card is invisible to the system and undermines the inventory it promises.; 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: Cledara covers Virtual card per subscription, Soldo covers Prepaid company cards.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Cledara and Soldo actually diverge.
Identical on both: free tier (No), 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 Cledara
- Virtual card per subscription
- Cancel by card
- Application inventory
- Approval workflow
- Invoice collection
- Spend optimisation module
- IT management and compliance modules
Only in Soldo
- Prepaid company cards
- Card-level budgets
- Receipt capture
- Multi-currency wallets
- Approval workflows
Both cover
- Accounting export
What people use each for
The jobs each tool is most often brought in to do.
Cledara
- A finance team that cannot say what software the company pays for because everything is on three people's company cardsnot Soldo
- A company that keeps paying for tools nobody uses and cannot get the vendor to process a cancellationnot Soldo
- A startup wanting approval on new software purchases before the first charge rather than at the auditnot Soldo
- A finance function that spends days each month chasing SaaS invoices for the accountantnot Soldo
Soldo
- A construction firm giving site managers fuel and materials cards with hard per-card limitsnot Cledara
- A marketing team issuing virtual cards per subscription so a cancelled tool cannot keep billingnot Cledara
- A UK company that cannot get approved for a credit-based corporate card programmenot Cledara
- A multi-entity European business needing EUR and GBP wallets without conversion on every purchasenot Cledara
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Cledara
- Control only extends to subscriptions paid on a Cledara card, so anything billed by invoice, bank transfer or a legacy company card is invisible to the system and undermines the inventory it promises.
- Tier limits are set by number of applications rather than headcount, and twenty applications on the Basic plan is fewer than most companies of fifty actually run, so buyers often land on a higher tier than the entry price suggests.
- The modules that turn it from a payment layer into a management platform, spend optimisation, IT management and compliance, are each priced at £150 to £200 a month, comparable to the base plan itself.
- Usage data is inferred from payment and integration signals rather than deep application telemetry, so its judgement of whether a tool is underused is weaker than a discovery product built on single sign-on and API usage.
- It is a card issuer as well as a software vendor, which adds financial counterparty considerations and means a change in its banking arrangements would affect how the company pays every one of its suppliers.
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
Cledara
£100/month- Basic$100/month
- Up to 20 software applications
- Virtual card per subscription
- Application inventory and approvals
- Premium$undefined/month
- Up to 75 software applications
- Typically 51 to 150 staff
- 1% cashback in the first year, capped at the subscription cost
- Pro$undefined/month
- For organisations above roughly 150 staff
- Scoped individually
- 1% cashback in the first year, capped at plan cost
- Add-on modules$200/month
- Spend Optimization £200 a month or £1,500 a year
- IT Management £150 a month or £1,500 a year
- Software Compliance £150 a month or £1,500 a year
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 Soldo if
- You need prepaid company cards.
- You work on Web, iOS, Android.
- You also want card-level budgets.
Questions people ask
- Is Cledara or Soldo better?
- Neither clearly leads. Cledara starts at £100/month and Soldo at £21/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Cledara or Soldo?
- Cledara starts at £100/month and Soldo at £21/month.
- Does Cledara or Soldo run on more platforms?
- Cledara runs on Web. Soldo runs on Web, iOS, Android.
- What is Cledara best used for?
- Cledara is most often used for a finance team that cannot say what software the company pays for because everything is on three people's company cards, a company that keeps paying for tools nobody uses and cannot get the vendor to process a cancellation, a startup wanting approval on new software purchases before the first charge rather than at the audit, a finance function that spends days each month chasing saas invoices for the accountant. Of those, a finance team that cannot say what software the company pays for because everything is on three people's company cards and a company that keeps paying for tools nobody uses and cannot get the vendor to process a cancellation are not what Soldo is typically brought in for.
- What can Cledara do that Soldo cannot?
- Cledara covers Virtual card per subscription, Cancel by card, Application inventory, Approval workflow. Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Multi-currency wallets. Both handle Accounting export.
Answered from the vendors’ own pages
Cledara: What does it cost?
Basic is £100 a month for up to 20 applications, with Premium covering up to 75 and Pro above that. Add-on modules are £150 to £200 a month each, and annual payment saves 16%.
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.
Cledara: Does it find software we did not tell it about?
Only what passes through its cards or connected integrations. Subscriptions paid by invoice or another card stay hidden, which is the main limitation of the model.
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.
Cledara: How does cancelling work?
You cancel the virtual card for that subscription, which stops the payment. It does not remove your contractual obligation, so check notice periods.
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.
Cledara: Is the application limit by users or by tools?
By tools. Twenty on Basic, seventy-five on Premium. Count your actual subscriptions before assuming the entry price applies to you.
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