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Accounting · head to head

Soldo vs Zoho Books

Soldo logo

Soldo

Accounting

Prepaid company card and spend control platform for European businesses

From
£21/month
Rated
-
Full reviewWebsite
Zoho Books logo

Zoho Books

Accounting

Simple, smart accounting software for growing businesses

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Zoho Books has a free tier, so it costs nothing to try first.
  • 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.; Zoho Books payroll only available in Texas and California, limiting US usefulness
  • They diverge on capability: Soldo covers Prepaid company cards, Zoho Books covers Invoicing.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Soldo and Zoho Books actually diverge.

Attributes where Soldo and Zoho Books differ
AttributeSoldoZoho Books
Starting price£21/monthFree
Pricing modelPer user per monthUnknown
Free tierNoYes
FoundedUnknown1996

Identical on both: 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 Soldo

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

Only in Zoho Books

  • Invoicing
  • Expense tracking
  • Bank reconciliation
  • Financial reports
  • Tax compliance
  • Zoho CRM
  • PayPal
  • Stripe

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

Zoho Books

  • Invoicingnot Soldo
  • Expense managementnot Soldo
  • Tax preparationnot 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.

Zoho Books

  • Payroll only available in Texas and California, limiting US usefulness
  • Limited access to historical financial data compared to competitors
  • Customer support is slow with long response times and frustrating workarounds
  • Fewer integrations than QuickBooks Online and Xero
  • User limit restrictions (1-15 depending on plan) compared to Xero's unlimited users
  • Occasional inaccuracies in automatic exchange rate updates for international transactions

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

Zoho Books

Free
  • FreeFree
    • 1 user + accountant
    • Unlimited invoices
  • Standard$20/month
    • 3 users
    • Core accounting
  • Professional$60/month
    • 5 users
    • Advanced reporting
  • Premium$120/month
    • 10 users
    • Inventory management

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 Zoho Books if

  • You need invoicing.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want expense tracking.
Zoho Books review

Questions people ask

Is Soldo or Zoho Books better?
Neither clearly leads. Soldo starts at £21/month and Zoho Books at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Soldo or Zoho Books?
Zoho Books has a free tier; the other does not. Paid plans start at £21/month for Soldo and Free for Zoho Books.
Does Soldo or Zoho Books run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
Can I use Zoho Books for free?
Yes. Zoho Books has a free tier, so you can try it without paying. Soldo starts at £21/month.
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 Zoho Books is typically brought in for.
What can Soldo do that Zoho Books cannot?
Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export. Zoho Books covers Invoicing, Expense tracking, Bank reconciliation, Financial reports.

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.

Zoho Books: Does Zoho Books support payroll?

Zoho Books offers limited payroll integration available only in Texas and California currently. Outside these states, users must use separate payroll software.

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.

Zoho Books: How many users can access one account?

User limits vary by plan: Free tier (1 user + accountant), Standard (3 users), Professional (5 users), Premium (10 users), Elite (15 users). Each business requires separate subscription.

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.

Zoho Books: What integrations does Zoho Books support?

Zoho Books integrates with Shopify, WooCommerce, Razorpay, PayPal, Stripe, Salesforce, Google Sheets, and 500+ apps via Zapier. It integrates with other Zoho products like Zoho Inventory and Zoho Projects.

Source
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