Softwr

Accounting · head to head

Karbon vs Soldo

Karbon logo

Karbon

Accounting

Practice management for accounting firms

From
$59/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: Karbon monthly billing option only available for teams of 4 or more users; 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.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Karbon and Soldo actually diverge.

Attributes where Karbon and Soldo differ
AttributeKarbonSoldo
Starting price$59/month£21/month
Pricing modelsubscriptionPer user per month
PlatformsWebWeb, iOS, Android

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 Karbon

Nothing recorded that Soldo does not also cover.

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.

Karbon

  • Automating client document collection for tax practice intakenot Soldo
  • Tracking all client requests in workflows tied to jobsnot Soldo
  • Aligning hours worked with billable time per engagementnot Soldo
  • Automating period close by connecting practice management to accountingnot Soldo
  • Streamlining client document submission and approval workflowsnot Soldo

Soldo

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

Where each one falls short

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

Karbon

  • Monthly billing option only available for teams of 4 or more users
  • Team plan at $59/month per user minimum cost may be expensive for smaller practices
  • No seat license discounts published; scaling costs linearly with user count

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

Karbon

$59/month
  • Team$59/month
    • Per-user pricing
    • Designed for small accounting firms
    • Minimum team size of 4 for monthly billing
  • Business$89/month
    • Per-user pricing
    • Workflow automation
    • Integrations for growing practices
  • Enterprise$null/mo
    • Custom pricing
    • Tailored for large accounting firms
    • Dedicated support

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 Karbon if

Nothing in the data separates Karbon from Soldo on the points above - pick on price and on how each one feels to use.

Karbon 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 Karbon or Soldo better?
Neither clearly leads. Karbon starts at $59/month and Soldo at £21/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Karbon or Soldo?
Karbon starts at $59/month and Soldo at £21/month.
Does Karbon or Soldo run on more platforms?
Karbon runs on Web. Soldo runs on Web, iOS, Android.
What is Karbon best used for?
Karbon is most often used for automating client document collection for tax practice intake, tracking all client requests in workflows tied to jobs, aligning hours worked with billable time per engagement, automating period close by connecting practice management to accounting. Of those, automating client document collection for tax practice intake and tracking all client requests in workflows tied to jobs are not what Soldo is typically brought in for.
What can Karbon do that Soldo cannot?
Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export.

Answered from the vendors’ own pages

Karbon: How much does Karbon cost?

Karbon pricing starts at $59 per user per month (Team plan, billed annually) or $79 per user per month (monthly billing for 4+ users). Business plan is $89/month annual or $99/month monthly. Enterprise pricing is custom.

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.

Karbon: Is there a discount for annual billing on Karbon?

Yes, Karbon offers annual billing at a discount compared to monthly. Team plan is $59/month annually versus $79/month monthly. Business plan is $89/month annually versus $99/month monthly.

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.

Karbon: What is the minimum user requirement for monthly billing on Karbon?

Karbon requires a minimum team size of 4 users to access monthly billing. Teams smaller than 4 must choose annual billing.

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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