Is Soldo or Volopay better?

Neither clearly leads. Soldo starts at £21/month and Volopay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Soldo or Volopay?

Soldo starts at £21/month and Volopay at On request.

Does Soldo or Volopay run on more platforms?

Both run on Web, iOS, Android, so platform support will not decide this one for you.

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 Volopay is typically brought in for.

What can Soldo do that Volopay cannot?

Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export. Volopay covers Multi-currency business accounts, Virtual and physical corporate cards, Accounts payable automation, Expense management. Both handle Approval workflows.

Accounting · head to head

Soldo vs Volopay

Soldo

Accounting

Prepaid company card and spend control platform for European businesses

From: £21/month
Rated: -

Full review Website

Volopay

Payroll

Corporate cards, multi-currency accounts and accounts payable automation for Asia-Pacific businesses

From: On request
Rated: -

Full review Website

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.; Volopay cross-currency spend within Singapore carries a fee around 3.1%, which is easy to overlook against the advertised free domestic transfers and can dominate total cost for internationally mobile teams.
They diverge on capability: Soldo covers Prepaid company cards, Volopay covers Multi-currency business accounts.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Soldo and Volopay actually diverge.

Attributes where Soldo and Volopay differ
Attribute	Soldo	Volopay
Starting price	£21/month	On request
Pricing model	Per user per month	quote
Category	Accounting	Payroll

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 Soldo

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

Only in Volopay

Multi-currency business accounts
Virtual and physical corporate cards
Accounts payable automation
Expense management
Accounting integrations

Both cover

Approval workflows

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 Volopay
A marketing team issuing virtual cards per subscription so a cancelled tool cannot keep billingnot Volopay
A UK company that cannot get approved for a credit-based corporate card programmenot Volopay
A multi-entity European business needing EUR and GBP wallets without conversion on every purchasenot Volopay

Volopay

A Singapore-headquartered company paying vendors and staff across several APAC currencies from one accountnot Soldo
A finance team wanting free domestic transfers with accounts payable automation includednot Soldo
A regional business consolidating separate local business bank accounts into one multi-currency platformnot Soldo
A company whose card spend is concentrated in SGD and wants to minimise cross-currency fee exposurenot 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.

Volopay

Cross-currency spend within Singapore carries a fee around 3.1%, which is easy to overlook against the advertised free domestic transfers and can dominate total cost for internationally mobile teams.
Cross-border payments in non-SGD currencies add roughly 1.6%, so a company paying many overseas vendors accumulates a real cost that is not visible on the headline pricing.
Regional focus on Asia-Pacific means weaker fit for companies whose spend is mainly in Europe or North America, where Payhawk or Extend cover the ground better.
Pricing is not published, so despite the specific fee percentages that are publicly known, the underlying subscription or platform fee must be obtained by quote.
As a comparatively young fintech, its card issuing depends on banking partners whose regulatory standing in each APAC market can change, and companies should confirm current licensing in their specific country before committing.

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

Volopay

On request

Volopay$undefined/month
- Free domestic SGD transfers and Accounts Payable Automation
- Approximately 1.6% fee on cross-border non-SGD payments
- Approximately 3.1% fee on cross-currency spend within Singapore

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 Volopay if

You need multi-currency business accounts.
You work on Web, iOS, Android.
You also want virtual and physical corporate cards.

Volopay review

Questions people ask

Is Soldo or Volopay better?: Neither clearly leads. Soldo starts at £21/month and Volopay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Soldo or Volopay?: Soldo starts at £21/month and Volopay at On request.
Does Soldo or Volopay run on more platforms?: Both run on Web, iOS, Android, so platform support will not decide this one for you.
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 Volopay is typically brought in for.
What can Soldo do that Volopay cannot?: Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export. Volopay covers Multi-currency business accounts, Virtual and physical corporate cards, Accounts payable automation, Expense management. Both handle Approval workflows.

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.

Volopay: What currency is Volopay built around?

Singapore dollar as the base account currency, with support for spend and transfers across several other Asia-Pacific currencies.

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.

Volopay: Are transfers free?

Domestic SGD transfers and the Accounts Payable Automation product are advertised as free; cross-border and cross-currency transactions carry separate fees.

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.

Volopay: Is pricing published?

No, subscription pricing requires a quote, though the specific cross-currency fee percentages are disclosed publicly.

Soldo vs Volopay

Soldo

Volopay

The short version

Where they differ

What each one covers

Only in Soldo

Only in Volopay

Both cover

What people use each for

Soldo

Volopay

Where each one falls short

Soldo

Volopay

Pricing, plan by plan

Soldo

Volopay

Which should you pick?

Choose Soldo if

Choose Volopay if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Soldo

More on Volopay

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