Accounting · head to head
Ottimate vs Soldo
Ottimate
Accounting
Invoice capture and accounts payable automation trained on food and beverage distributor formats
- From
- On request
- Rated
- -
Soldo
Accounting
Prepaid company card and spend control platform for European businesses
- From
- £21/month
- Rated
- -
The short version
- Each has a real cost: Ottimate nothing is published about price, and quotes are structured by location and invoice volume, so a group with a few high-volume sites and one with many low-volume sites can receive very different numbers for the same total spend; 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: Ottimate covers Line-item invoice capture, Soldo covers Prepaid company cards.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Ottimate and Soldo actually diverge.
Identical on both: free tier (No), platforms (Web, iOS, Android), 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 Ottimate
- Line-item invoice capture
- GL coding
- Approval routing
- Supplier payments
- Price change alerts
- Purchase order matching
- Digital invoice retrieval
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.
Ottimate
- A 40 site restaurant group whose bookkeepers key distributor invoices line by line to track food costnot Soldo
- An operator that wants to know within a week when a supplier raises the price of an item outside the contracted schedulenot Soldo
- A hotel group standardising accounts payable approvals across properties that each have their own general manager sign-off rulesnot Soldo
- A finance team migrating from paper invoice files that needs digital retrieval from supplier portals rather than chasing branches for copiesnot Soldo
Soldo
- A construction firm giving site managers fuel and materials cards with hard per-card limitsnot Ottimate
- A marketing team issuing virtual cards per subscription so a cancelled tool cannot keep billingnot Ottimate
- A UK company that cannot get approved for a credit-based corporate card programmenot Ottimate
- A multi-entity European business needing EUR and GBP wallets without conversion on every purchasenot Ottimate
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Ottimate
- Nothing is published about price, and quotes are structured by location and invoice volume, so a group with a few high-volume sites and one with many low-volume sites can receive very different numbers for the same total spend
- The line-item extraction advantage is trained on food and beverage distributor formats, so accuracy on long-tail suppliers, service invoices and one-off vendors falls back to general OCR and needs human review
- It is an accounts payable layer, not an inventory or recipe costing system, so operators still need Restaurant365 or an equivalent for true plate costing and the value depends on that integration behaving
- The company has rebranded once already from Plate IQ, and much of the third party comparison material still uses the old name or wrongly attributes it to AvidXchange, which makes independent due diligence unusually hard
- Payment execution through the platform introduces a dependency on Ottimate for supplier relationships, and moving away later means re-establishing payment details with every vendor rather than simply exporting data
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
Ottimate
On request- Ottimate$undefined/year
- Quoted by location count and invoice volume
- Payment rails may carry separate transaction charges
- Implementation and accounting system integration scoped separately
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 Ottimate if
- You need line-item invoice capture.
- You work on Web, iOS, Android.
- You also want gl coding.
Choose Soldo if
- You need prepaid company cards.
- You work on Web, iOS, Android.
- You also want card-level budgets.
Questions people ask
- Is Ottimate or Soldo better?
- Neither clearly leads. Ottimate 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, Ottimate or Soldo?
- Ottimate starts at On request and Soldo at £21/month.
- Does Ottimate or Soldo run on more platforms?
- Both run on Web, iOS, Android, so platform support will not decide this one for you.
- What is Ottimate best used for?
- Ottimate is most often used for a 40 site restaurant group whose bookkeepers key distributor invoices line by line to track food cost, an operator that wants to know within a week when a supplier raises the price of an item outside the contracted schedule, a hotel group standardising accounts payable approvals across properties that each have their own general manager sign-off rules, a finance team migrating from paper invoice files that needs digital retrieval from supplier portals rather than chasing branches for copies. Of those, a 40 site restaurant group whose bookkeepers key distributor invoices line by line to track food cost and an operator that wants to know within a week when a supplier raises the price of an item outside the contracted schedule are not what Soldo is typically brought in for.
- What can Ottimate do that Soldo cannot?
- Ottimate covers Line-item invoice capture, GL coding, Approval routing, Supplier payments. Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export.
Answered from the vendors’ own pages
Ottimate: Is Ottimate owned by AvidXchange?
No. Ottimate is the rebranded Plate IQ and operates as an independent venture-backed company. AvidXchange is a competitor, not the parent.
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.
Ottimate: What was it called before?
Plate IQ. The company kept the same product and renamed it Ottimate.
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.
Ottimate: Does it work outside restaurants?
It will process any invoice, but the line-item extraction accuracy that justifies the price is tuned to food and beverage distributors. Other industries should test carefully before committing.
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.
Ottimate: Does it replace Restaurant365?
No. It handles invoice capture, approval and payment. Recipe costing and restaurant-specific inventory stay in Restaurant365 or an equivalent.
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