Softwr

Accounting · head to head

Soldo vs Tipalti

Soldo logo

Soldo

Accounting

Prepaid company card and spend control platform for European businesses

From
£21/month
Rated
-
Full reviewWebsite
Tipalti logo

Tipalti

Accounting

Global payables automation for modern finance teams

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real 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.; Tipalti complex implementation process requiring workflow restructuring around platform limitations
  • They diverge on capability: Soldo covers Prepaid company cards, Tipalti covers Supplier onboarding.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Soldo and Tipalti actually diverge.

Attributes where Soldo and Tipalti differ
AttributeSoldoTipalti
Starting price£21/monthOn request
Pricing modelPer user per monthUnknown
PlatformsWeb, iOS, AndroidWeb, API
FoundedUnknown2010

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 Soldo

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

Only in Tipalti

  • Supplier onboarding
  • Invoice processing
  • Global payments
  • Tax compliance
  • Payment reconciliation
  • NetSuite
  • Sage Intacct
  • QuickBooks

What people use each for

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

Soldo

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

Tipalti

  • Payables automationnot Soldo
  • Global paymentsnot Soldo
  • Supplier managementnot Soldo

Where each one falls short

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

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.

Tipalti

  • Complex implementation process requiring workflow restructuring around platform limitations
  • Reported payment processing issues including delays, failures, and poor customer service
  • Slow user interface performance when processing large payment volumes or moving between modules
  • Limited customization options and missing features like multi-bill selection and advanced reporting
  • Customer support response times slower than expected for larger teams without express membership upgrade

Pricing, plan by plan

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

Tipalti

On request
  • Custom$undefined/month
    • Base platform fee
    • Transaction-based pricing
    • Payment volume scaling

Which should you pick?

Choose Soldo if

  • You need prepaid company cards.
  • You work on Web, iOS, Android.
  • You also want card-level budgets.
Soldo review

Choose Tipalti if

  • You need supplier onboarding.
  • You work on Web, API.
  • You also want invoice processing.
Tipalti review

Questions people ask

Is Soldo or Tipalti better?
Neither clearly leads. Soldo starts at £21/month and Tipalti at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Soldo or Tipalti?
Soldo starts at £21/month and Tipalti at On request.
Does Soldo or Tipalti run on more platforms?
Soldo runs on Web, iOS, Android. Tipalti runs on Web, API.
What is Soldo best used for?
Soldo is most often used for a construction firm giving site managers fuel and materials cards with hard per-card limits, a marketing team issuing virtual cards per subscription so a cancelled tool cannot keep billing, a uk company that cannot get approved for a credit-based corporate card programme, a multi-entity european business needing eur and gbp wallets without conversion on every purchase. Of those, a construction firm giving site managers fuel and materials cards with hard per-card limits and a marketing team issuing virtual cards per subscription so a cancelled tool cannot keep billing are not what Tipalti is typically brought in for.
What can Soldo do that Tipalti cannot?
Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export. Tipalti covers Supplier onboarding, Invoice processing, Global payments, Tax compliance.

Answered from the vendors’ own pages

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.

Tipalti: What is Tipalti's pricing model?

Tipalti uses subscription-based pricing with a base platform fee plus transaction-based charges determined by payment volume, number of entities, and enabled modules. Custom pricing requires sales contact. Some users report monthly costs starting around $299.

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.

Tipalti: How long is Tipalti's implementation timeline?

Technical implementation typically takes days, though due diligence and customization usually require several weeks. Full setup is faster than enterprise solutions requiring months.

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.

Tipalti: What payment methods does Tipalti support?

Tipalti supports ACH, wire transfers, eChecks, PayPal, paper checks, and prepaid debit cards. Payees can select their preferred payment method.

Source
Tipalti: Does Tipalti handle international payment compliance?

Yes, Tipalti tracks over 26,000 rules and conditions for international payment execution across 200+ countries and territories. All payees are screened against international blacklists to prevent payments to sanctioned entities.

Source
Tipalti: What security certifications does Tipalti maintain?

Tipalti maintains AICPA SSAE 16 SOC and ISAE 3402 Type II certifications. The platform uses SSL encryption, two-factor authentication, and role-based access controls.

Source
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