Softwr

Accounting · head to head

Cledara vs Volopay

Cledara logo

Cledara

Accounting

Software subscription management with a virtual card per application, priced from £100 a month

From
£100/month
Rated
-
Full reviewWebsite
Volopay logo

Volopay

Payroll

Corporate cards, multi-currency accounts and accounts payable automation for Asia-Pacific businesses

From
On request
Rated
-
Full reviewWebsite

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.; Volopay cross-currency spend within Singapore carries a fee around 3.1%, which is easy to overlook against the advertised free domestic transfers and can dominate total cost for internationally mobile teams.
  • They diverge on capability: Cledara covers Virtual card per subscription, Volopay covers Multi-currency business accounts.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Cledara and Volopay actually diverge.

Attributes where Cledara and Volopay differ
AttributeCledaraVolopay
Starting price£100/monthOn request
Pricing modelPer month by number of applicationsquote
PlatformsWebWeb, iOS, Android
CategoryAccountingPayroll

Identical on both: free tier (No), user rating (Not yet rated).

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
  • Accounting export
  • Spend optimisation module
  • IT management and compliance modules

Only in Volopay

  • Multi-currency business accounts
  • Virtual and physical corporate cards
  • Accounts payable automation
  • Expense management
  • Accounting integrations
  • Approval workflows

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 Volopay
  • A company that keeps paying for tools nobody uses and cannot get the vendor to process a cancellationnot Volopay
  • A startup wanting approval on new software purchases before the first charge rather than at the auditnot Volopay
  • A finance function that spends days each month chasing SaaS invoices for the accountantnot Volopay

Volopay

  • A Singapore-headquartered company paying vendors and staff across several APAC currencies from one accountnot Cledara
  • A finance team wanting free domestic transfers with accounts payable automation includednot Cledara
  • A regional business consolidating separate local business bank accounts into one multi-currency platformnot Cledara
  • A company whose card spend is concentrated in SGD and wants to minimise cross-currency fee exposurenot 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.

Volopay

  • Cross-currency spend within Singapore carries a fee around 3.1%, which is easy to overlook against the advertised free domestic transfers and can dominate total cost for internationally mobile teams.
  • Cross-border payments in non-SGD currencies add roughly 1.6%, so a company paying many overseas vendors accumulates a real cost that is not visible on the headline pricing.
  • Regional focus on Asia-Pacific means weaker fit for companies whose spend is mainly in Europe or North America, where Payhawk or Extend cover the ground better.
  • Pricing is not published, so despite the specific fee percentages that are publicly known, the underlying subscription or platform fee must be obtained by quote.
  • As a comparatively young fintech, its card issuing depends on banking partners whose regulatory standing in each APAC market can change, and companies should confirm current licensing in their specific country before committing.

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

Volopay

On request
  • Volopay$undefined/month
    • Free domestic SGD transfers and Accounts Payable Automation
    • Approximately 1.6% fee on cross-border non-SGD payments
    • Approximately 3.1% fee on cross-currency spend within Singapore

Which should you pick?

Choose Cledara if

  • You need virtual card per subscription.
  • You also want cancel by card.
Cledara review

Choose Volopay if

  • You need multi-currency business accounts.
  • You work on Web, iOS, Android.
  • You also want virtual and physical corporate cards.
Volopay review

Questions people ask

Is Cledara or Volopay better?
Neither clearly leads. Cledara starts at £100/month and Volopay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Cledara or Volopay?
Cledara starts at £100/month and Volopay at On request.
Does Cledara or Volopay run on more platforms?
Cledara runs on Web. Volopay 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 Volopay is typically brought in for.
What can Cledara do that Volopay cannot?
Cledara covers Virtual card per subscription, Cancel by card, Application inventory, Approval workflow. Volopay covers Multi-currency business accounts, Virtual and physical corporate cards, Accounts payable automation, Expense management.

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%.

Volopay: What currency is Volopay built around?

Singapore dollar as the base account currency, with support for spend and transfers across several other Asia-Pacific currencies.

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.

Volopay: Are transfers free?

Domestic SGD transfers and the Accounts Payable Automation product are advertised as free; cross-border and cross-currency transactions carry separate fees.

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.

Volopay: Is pricing published?

No, subscription pricing requires a quote, though the specific cross-currency fee percentages are disclosed publicly.

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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