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Payroll · head to head

Mooncard vs Soldo

Mooncard logo

Mooncard

Payroll

French corporate card and expense management platform built on the Visa network

From
On request
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  • Each has a real cost: Mooncard pricing is entirely unpublished, so a company cannot budget or benchmark Mooncard against Payhawk or Extend without starting a sales process.; Soldo cards are prepaid, so if the central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.
  • They diverge on capability: Mooncard covers Configurable Visa cards, Soldo covers Prepaid company cards.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Mooncard and Soldo actually diverge.

Attributes where Mooncard and Soldo differ
AttributeMooncardSoldo
Starting priceOn request£21/month
Pricing modelquotePer user per month
CategoryPayrollAccounting

Identical on both: free tier (No), 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 Mooncard

  • Configurable Visa cards
  • Automated expense capture
  • Multi-entity premium tier
  • Flying Blue miles
  • Real-time spend visibility

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.

Mooncard

  • A French business replacing an Amex corporate card programme with wider Visa merchant acceptancenot Soldo
  • A finance team automating VAT-compliant receipt capture instead of manual expense reportsnot Soldo
  • A group with several legal entities wanting consolidated card and expense visibilitynot Soldo
  • A company whose travellers want Flying Blue miles on corporate card spendnot Soldo

Soldo

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

Where each one falls short

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

Mooncard

  • Pricing is entirely unpublished, so a company cannot budget or benchmark Mooncard against Payhawk or Extend without starting a sales process.
  • Its strongest support, integrations and merchant relationships are concentrated in France, and companies with most spend outside France or Europe get a thinner experience.
  • Being built specifically to displace Amex corporate cards, it has less of a track record and feature depth outside the expense and card niche compared with broader spend platforms like Payhawk.
  • Group and multi-entity functionality sits behind a separate premium tier, so a growing company may need to renegotiate its plan as it adds entities.
  • Marketing-driven positioning, including stunts such as the stratospheric payment demo, does not substitute for third-party benchmarking of actual transaction reliability at scale.

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

Mooncard

On request
  • Mooncard$undefined/month
    • Original offer with cards and expense management software
    • Premium tier for groups and multi-entity structures
    • Custom quote required, no published rate card

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 Mooncard if

  • You need configurable visa cards.
  • You work on Web, iOS, Android.
  • You also want automated expense capture.
Mooncard 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 Mooncard or Soldo better?
Neither clearly leads. Mooncard starts at On request and Soldo at £21/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mooncard or Soldo?
Mooncard starts at On request and Soldo at £21/month.
Does Mooncard or Soldo run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
What is Mooncard best used for?
Mooncard is most often used for a french business replacing an amex corporate card programme with wider visa merchant acceptance, a finance team automating vat-compliant receipt capture instead of manual expense reports, a group with several legal entities wanting consolidated card and expense visibility, a company whose travellers want flying blue miles on corporate card spend. Of those, a french business replacing an amex corporate card programme with wider visa merchant acceptance and a finance team automating vat-compliant receipt capture instead of manual expense reports are not what Soldo is typically brought in for.
What can Mooncard do that Soldo cannot?
Mooncard covers Configurable Visa cards, Automated expense capture, Multi-entity premium tier, Flying Blue miles. Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Multi-currency wallets. Both handle Accounting export.

Answered from the vendors’ own pages

Mooncard: Is Mooncard only for France?

No, but its content, support and market presence are strongest in France; other European markets are served but less deeply.

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.

Mooncard: Does Mooncard publish pricing?

No, quotes are provided directly by the Mooncard sales team based on company size and needs.

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.

Mooncard: Which card network does it use?

Visa, which the company positions as giving broader merchant acceptance than the Amex network used by many incumbent French corporate cards.

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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