Softwr

Accounting · head to head

Dodo Payments vs Soldo

Dodo Payments logo

Dodo Payments

Accounting

Unified billing, payments, and distribution for AI and SaaS companies

From
$4/percent + $0.40
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: Dodo Payments per-transaction fees higher for specialized payment methods; 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: Dodo Payments covers Global Payments, Soldo covers Prepaid company cards.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Dodo Payments and Soldo actually diverge.

Attributes where Dodo Payments and Soldo differ
AttributeDodo PaymentsSoldo
Starting price$4/percent + $0.40£21/month
Pricing modelPercentage of transaction plus fixed per-transaction feePer user per month
PlatformsWeb, API, SDKWeb, iOS, Android
Founded2024Unknown

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 Dodo Payments

  • Global Payments
  • Multi-Currency Support
  • Flexible Billing Models
  • Merchant of Record
  • Developer-Friendly SDKs
  • No-Code Checkout
  • PCI DSS Level 1

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.

Dodo Payments

  • Billing for AI API usage across multiple international marketsnot Soldo
  • Processing subscriptions with usage-based overagesnot Soldo
  • Accepting local payment methods in emerging marketsnot Soldo
  • Launching global SaaS products without multi-country payment setupnot Soldo

Soldo

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

Where each one falls short

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

Dodo Payments

  • Per-transaction fees higher for specialized payment methods
  • BNPL and PayPal surcharges add cost complexity
  • ACH/SEPA fees capped at $15/$15 EUR may not scale for large transactions
  • Startup program requires application process

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

Dodo Payments

$4/percent + $0.40
  • StandardFree
    • 4% + $0.40 per domestic US transaction
    • International: +1.5%
    • Subscription billing: +0.5%
  • EnterpriseFree
    • Custom pricing negotiated
    • Unified platform for billing, payments, and distribution
    • Cross-border compliance support
  • Startup ProgramFree
    • Up to 12 months free credits
    • Preferential rates on full platform
    • Access to 40+ payment methods

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 Dodo Payments if

  • You need global payments.
  • You work on Web, API, SDK.
  • You also want multi-currency support.
Dodo Payments 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 Dodo Payments or Soldo better?
Neither clearly leads. Dodo Payments starts at $4/percent + $0.40 and Soldo at £21/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Dodo Payments or Soldo?
Dodo Payments starts at $4/percent + $0.40 and Soldo at £21/month.
Does Dodo Payments or Soldo run on more platforms?
Dodo Payments runs on Web, API, SDK. Soldo runs on Web, iOS, Android.
What is Dodo Payments best used for?
Dodo Payments is most often used for billing for ai api usage across multiple international markets, processing subscriptions with usage-based overages, accepting local payment methods in emerging markets, launching global saas products without multi-country payment setup. Of those, billing for ai api usage across multiple international markets and processing subscriptions with usage-based overages are not what Soldo is typically brought in for.
What can Dodo Payments do that Soldo cannot?
Dodo Payments covers Global Payments, Multi-Currency Support, Flexible Billing Models, Merchant of Record. Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export.

Answered from the vendors’ own pages

Dodo Payments: What countries does Dodo Payments support?

Dodo Payments operates in 220+ countries with 40+ local payment methods and support for 80+ currencies.

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.

Dodo Payments: Does Dodo handle tax compliance?

Yes, Dodo Payments acts as merchant of record and handles sales tax, VAT, and GST compliance automatically across all markets.

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.

Dodo Payments: Is there a startup program?

Yes, early-stage companies can apply for up to 12 months of free credits plus preferential rates on the full platform.

Source
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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