Is Extend or Soldo better?

Neither clearly leads. Extend starts at Free and Soldo at £21/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Extend or Soldo?

Extend has a free tier; the other does not. Paid plans start at Free for Extend and £21/month for Soldo.

Does Extend or Soldo run on more platforms?

Both run on Web, iOS, Android, so platform support will not decide this one for you.

Can I use Extend for free?

Yes. Extend has a free tier, so you can try it without paying. Soldo starts at £21/month.

What is Extend best used for?

Extend is most often used for a small business wanting free vendor-level virtual card controls without opening a new card programme, a company with an existing amex or bank business card wanting tighter per-vendor spend limits, a finance team wanting predictable per-user pricing rather than a private quote for spend management, a larger business wanting api-driven automated card issuance tied to its existing card relationship. Of those, a small business wanting free vendor-level virtual card controls without opening a new card programme and a company with an existing amex or bank business card wanting tighter per-vendor spend limits are not what Soldo is typically brought in for.

What can Extend do that Soldo cannot?

Extend covers Virtual card issuing, Per-card spend controls, Receipt auto-matching, ERP integrations. Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export. Both handle Approval workflows.

Payroll · head to head

Extend vs Soldo

Extend

Payroll

Virtual card issuing and spend controls layered onto existing business credit cards

From: Free
Rated: -

Full review Website

Soldo

Accounting

Prepaid company card and spend control platform for European businesses

From: £21/month
Rated: -

Full review Website

The short version

Only Extend has a free tier, so it costs nothing to try first.
Each has a real cost: Extend it depends on an existing business credit card relationship, so a company without a qualifying Amex, Visa or Mastercard business card cannot use it as a standalone card issuer.; 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: Extend covers Virtual card issuing, Soldo covers Prepaid company cards.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Extend and Soldo actually diverge.

Attributes where Extend and Soldo differ
Attribute	Extend	Soldo
Starting price	Free	£21/month
Pricing model	Per user per month, free starter tier	Per user per month
Free tier	Yes	No
Category	Payroll	Accounting

Identical on both: platforms (Web, iOS, Android), 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 Extend

Virtual card issuing
Per-card spend controls
Receipt auto-matching
ERP integrations
API access

Only in Soldo

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

Both cover

Approval workflows

What people use each for

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

Extend

A small business wanting free vendor-level virtual card controls without opening a new card programmenot Soldo
A company with an existing Amex or bank business card wanting tighter per-vendor spend limitsnot Soldo
A finance team wanting predictable per-user pricing rather than a private quote for spend managementnot Soldo
A larger business wanting API-driven automated card issuance tied to its existing card relationshipnot Soldo

Soldo

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

Where each one falls short

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

Extend

It depends on an existing business credit card relationship, so a company without a qualifying Amex, Visa or Mastercard business card cannot use it as a standalone card issuer.
The free Starter plan is capped at five users and 100 cards a month, which small but growing teams will outgrow quickly and need to upgrade past.
The Pro plan enforces a ten-user minimum, so a company with only two or three people who need virtual cards pays for unused seats.
Rewards, credit terms and dispute resolution still run through the underlying card issuer, so Extend cannot improve or change those terms; it only adds a control layer on top.
Deeper ERP integrations such as NetSuite and Dynamics 365 are reserved for the custom-quoted Enterprise tier, so companies needing them lose the pricing transparency of the published Starter and Pro plans.

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

Extend

Free

StarterFree
- Up to 5 users and 10 guests
- Up to 100 virtual cards per month
- One expense category
Pro$11.99/month
- 10 user minimum
- Up to 500 virtual cards per month
- Custom approval workflows and QuickBooks Online integration
Enterprise$undefined/month
- Unlimited users and virtual cards
- API access for automated card issuance
- NetSuite and Dynamics 365 integration, dedicated account manager

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 Extend if

You need virtual card issuing.
You want to start without paying.
You work on Web, iOS, Android.
You also want per-card spend controls.

Extend 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 Extend or Soldo better?: Neither clearly leads. Extend starts at Free and Soldo at £21/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Extend or Soldo?: Extend has a free tier; the other does not. Paid plans start at Free for Extend and £21/month for Soldo.
Does Extend or Soldo run on more platforms?: Both run on Web, iOS, Android, so platform support will not decide this one for you.
Can I use Extend for free?: Yes. Extend has a free tier, so you can try it without paying. Soldo starts at £21/month.
What is Extend best used for?: Extend is most often used for a small business wanting free vendor-level virtual card controls without opening a new card programme, a company with an existing amex or bank business card wanting tighter per-vendor spend limits, a finance team wanting predictable per-user pricing rather than a private quote for spend management, a larger business wanting api-driven automated card issuance tied to its existing card relationship. Of those, a small business wanting free vendor-level virtual card controls without opening a new card programme and a company with an existing amex or bank business card wanting tighter per-vendor spend limits are not what Soldo is typically brought in for.
What can Extend do that Soldo cannot?: Extend covers Virtual card issuing, Per-card spend controls, Receipt auto-matching, ERP integrations. Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export. Both handle Approval workflows.

Answered from the vendors’ own pages

Extend: Does Extend replace our business credit card?

No, it issues virtual cards against an existing American Express, Visa or Mastercard business credit line rather than opening a new card programme.

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.

Extend: Is there really a free plan?

Yes, the Starter plan is free for up to five users, ten guests and 100 virtual cards a month.

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.

Extend: What does Pro cost?

11.99 dollars per user per month billed annually, or 12 dollars monthly, with a ten-user minimum.

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.

Extend vs Soldo

Extend

Soldo

The short version

Where they differ

What each one covers

Only in Extend

Only in Soldo

Both cover

What people use each for

Extend

Soldo

Where each one falls short

Extend

Soldo

Pricing, plan by plan

Extend

Soldo

Which should you pick?

Choose Extend if

Choose Soldo if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Extend

More on Soldo

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