Softwr

Accounting · head to head

Soldo vs Zip

Soldo logo

Soldo

Accounting

Prepaid company card and spend control platform for European businesses

From
£21/month
Rated
-
Full reviewWebsite
Zip logo

Zip

ERP

Procurement intake and orchestration that sits on top of the systems you already run

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.; Zip it is a layer on top of systems you already pay for, so the business case rests on adoption and cycle time rather than replacing a licence, and that is harder to defend to a finance director cutting software spend.
  • They diverge on capability: Soldo covers Prepaid company cards, Zip covers Unified intake.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Soldo and Zip actually diverge.

Attributes where Soldo and Zip differ
AttributeSoldoZip
Starting price£21/monthOn request
Pricing modelPer user per monthquote
PlatformsWeb, iOS, AndroidWeb, iOS
CategoryAccountingERP

Identical on both: free tier (No), 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
  • Approval workflows

Only in Zip

  • Unified intake
  • Approval orchestration
  • Vendor onboarding
  • Contract repository
  • ERP write-back
  • Renewal management
  • Spend visibility
  • AI request handling

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

Zip

  • A company that owns a source-to-pay suite nobody uses because employees cannot navigate itnot Soldo
  • An organisation where every software purchase needs security, legal, privacy and finance sign-off and currently does it in email threadsnot Soldo
  • A finance team that keeps discovering contracts that auto-renewed because nobody owned the renewal datenot Soldo
  • A business needing an auditable record of who approved a third-party engagement and on what evidencenot 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.

Zip

  • It is a layer on top of systems you already pay for, so the business case rests on adoption and cycle time rather than replacing a licence, and that is harder to defend to a finance director cutting software spend.
  • Value depends entirely on integration depth into your specific ERP and ticketing tools, and a shallow connector reduces it to a workflow tool that someone rekeys out of.
  • Pricing is not published and is structured around company size and integration scope, so buyers cannot benchmark without peer references.
  • If procurement policy itself is unclear, Zip encodes the confusion: the tool routes requests according to rules someone must first write, and organisations without that clarity see slow implementations.
  • It does not do sourcing, auctions or spend analysis, so organisations expecting a full procurement capability will still need a suite or specialist tools alongside it.

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

Zip

On request
  • Zip$undefined/year
    • Intake and approval orchestration
    • Vendor onboarding and diligence workflows
    • Integrations with ERP, contract and ticketing systems

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 Zip if

  • You need unified intake.
  • You work on Web, iOS.
  • You also want approval orchestration.
Zip review

Questions people ask

Is Soldo or Zip better?
Neither clearly leads. Soldo starts at £21/month and Zip at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Soldo or Zip?
Soldo starts at £21/month and Zip at On request.
Does Soldo or Zip run on more platforms?
Soldo runs on Web, iOS, Android. Zip runs on Web, iOS.
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 Zip is typically brought in for.
What can Soldo do that Zip cannot?
Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export. Zip covers Unified intake, Approval orchestration, Vendor onboarding, Contract repository.

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.

Zip: Is this the buy now pay later company?

No. This is Zip at ziphq.com, a procurement orchestration platform, unrelated to the payments company of the same name.

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.

Zip: Does it replace Coupa or Ariba?

No, and that is the point. It sits in front of them, providing the intake and approval experience employees actually use, and writes back into the suite.

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.

Zip: What does it cost?

Not published. Quoted by company size, modules and the integrations you need. Get peer benchmarks before negotiating.

Zip: What is the prerequisite for success?

A written procurement policy. Zip automates the routing rules you give it; if nobody can say who approves what, implementation stalls.

Share

Related pages

More on Soldo

More on Zip

Keep looking

Other head to heads