Is Netvisor or Soldo better?

Neither clearly leads. Netvisor 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, Netvisor or Soldo?

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

Does Netvisor or Soldo run on more platforms?

Netvisor runs on Web. Soldo runs on Web, iOS, Android.

Can I use Netvisor for free?

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

What is Netvisor best used for?

Netvisor is most often used for a finnish company whose accounting firm works in netvisor and wants the client approving purchase invoices in the same system, a finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on time, a business receiving and sending structured e-invoices with finnish counterparties that require them, a finnish accounting practice standardising clients on one system with a shared role model rather than one instance per client. Of those, a finnish company whose accounting firm works in netvisor and wants the client approving purchase invoices in the same system and a finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on time are not what Soldo is typically brought in for.

What can Netvisor do that Soldo cannot?

Netvisor covers Finnish general ledger, Value added tax reporting, Bank connections, Electronic invoicing. Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export.

Accounting · head to head

Netvisor vs Soldo

Netvisor

Accounting

Finnish cloud accounting and payroll with pricing built from a base fee plus per transaction charges

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 Netvisor has a free tier, so it costs nothing to try first.
Each has a real cost: Netvisor pricing is a base fee plus a charge per sales invoice, per purchase invoice, per payslip and per other transaction, so a company with high document volumes pays a bill that scales with trading activity and cannot be budgeted as a fixed monthly cost.; 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: Netvisor covers Finnish general ledger, Soldo covers Prepaid company cards.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Netvisor and Soldo actually diverge.

Attributes where Netvisor and Soldo differ
Attribute	Netvisor	Soldo
Starting price	Free	£21/month
Pricing model	subscription	Per user per month
Free tier	Yes	No
Platforms	Web	Web, iOS, Android

Identical on both: 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 Netvisor

Finnish general ledger
Value added tax reporting
Bank connections
Electronic invoicing
Purchase invoice workflow
Sales invoicing
Payroll
Incomes register reporting

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.

Netvisor

A Finnish company whose accounting firm works in Netvisor and wants the client approving purchase invoices in the same systemnot Soldo
A Finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on timenot Soldo
A business receiving and sending structured e-invoices with Finnish counterparties that require themnot Soldo
A Finnish accounting practice standardising clients on one system with a shared role model rather than one instance per clientnot Soldo

Soldo

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

Where each one falls short

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

Netvisor

Pricing is a base fee plus a charge per sales invoice, per purchase invoice, per payslip and per other transaction, so a company with high document volumes pays a bill that scales with trading activity and cannot be budgeted as a fixed monthly cost.
It serves Finland, so the tax and payroll logic is useless to entities filing elsewhere, and a Nordic group ends up running a different system in each country even where they belong to the same corporate family.
The interface, help material and support operate in Finnish, so a foreign owned subsidiary needs a Finnish speaking bookkeeper or accounting firm to operate it and cannot supervise it directly from head office.
Finnish payroll requires collective agreement terms to be configured correctly, and getting holiday pay, supplements and shift rules right is specialist work usually done by a partner, so payroll implementation is a paid project rather than a setup wizard.
Because most deployments come through an accounting firm, the practical service you receive depends on that firm's competence with the product, and changing accountant can mean changing system or inheriting a configuration nobody documented.

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

Netvisor

Free

Starter$25/month
- Basic accounting, 1000 transactions, invoicing, payroll for 1 person
Basic$25/month
- Basic accounting plus invoicing, 2.06 euros per invoice item, unlimited users, email support
Core$25/month
- All Basic features, invoices included in monthly cost
Professional$25/month
- All Core features, broadest software interface, budgeting, reporting, forecasting, purchase and sales orders

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 Netvisor if

You need finnish general ledger.
You want to start without paying.
You also want value added tax reporting.

Netvisor 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 Netvisor or Soldo better?: Neither clearly leads. Netvisor 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, Netvisor or Soldo?: Netvisor has a free tier; the other does not. Paid plans start at Free for Netvisor and £21/month for Soldo.
Does Netvisor or Soldo run on more platforms?: Netvisor runs on Web. Soldo runs on Web, iOS, Android.
Can I use Netvisor for free?: Yes. Netvisor has a free tier, so you can try it without paying. Soldo starts at £21/month.
What is Netvisor best used for?: Netvisor is most often used for a finnish company whose accounting firm works in netvisor and wants the client approving purchase invoices in the same system, a finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on time, a business receiving and sending structured e-invoices with finnish counterparties that require them, a finnish accounting practice standardising clients on one system with a shared role model rather than one instance per client. Of those, a finnish company whose accounting firm works in netvisor and wants the client approving purchase invoices in the same system and a finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on time are not what Soldo is typically brought in for.
What can Netvisor do that Soldo cannot?: Netvisor covers Finnish general ledger, Value added tax reporting, Bank connections, Electronic invoicing. Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export.

Answered from the vendors’ own pages

Netvisor: Is Netvisor usable outside Finland?

Not as a compliance system. The value is the Finnish tax, banking, e-invoicing and payroll logic. Companies filing elsewhere should look at the local product in the Visma range or another local vendor.

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.

Netvisor: Why is the pricing structured per transaction?

It reflects a Finnish market convention where the accounting firm's fee also scales with document volume. It means a low volume company pays very little and a high volume one pays a great deal, so estimate your annual invoice and payslip counts before comparing headline prices.

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.

Netvisor: Can my accounting firm work in it with me?

Yes, that is the intended model. The practice and the client share one instance with different roles, so the firm does the bookkeeping while you approve purchase invoices and issue sales invoices.

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.

Netvisor: Does it handle payroll for collective agreements?

It supports Finnish collective agreement based payroll, but configuring the specific agreement terms correctly is expert work normally done during a paid implementation. Do not assume payroll is switched on the same week as accounting.

Netvisor: What about the incomes register?

Reporting earnings to the national incomes register within the statutory deadline is built in, which is one of the main reasons Finnish employers use a local product rather than an international one.

Netvisor: Is it a full ERP?

It includes inventory and fixed assets alongside the ledger, which covers a good deal of a small distributor's needs, but it is a financial management system rather than a manufacturing or full supply chain ERP.

Netvisor vs Soldo

Netvisor

Soldo

The short version

Where they differ

What each one covers

Only in Netvisor

Only in Soldo

What people use each for

Netvisor

Soldo

Where each one falls short

Netvisor

Soldo

Pricing, plan by plan

Netvisor

Soldo

Which should you pick?

Choose Netvisor if

Choose Soldo if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Netvisor

More on Soldo

Keep looking

Other head to heads