Softwr

Accounting · head to head

Soldo vs Vena Solutions

Soldo logo

Soldo

Accounting

Prepaid company card and spend control platform for European businesses

From
£21/month
Rated
-
Full reviewWebsite
Vena Solutions logo

Vena Solutions

Accounting

FP&A planning that keeps Excel as the front end and puts a database and workflow behind it

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.; Vena Solutions vena publishes no pricing and contracts are modular, so two organisations of similar size can pay very different amounts and neither can benchmark without going through procurement.
  • They diverge on capability: Soldo covers Prepaid company cards, Vena Solutions covers Excel add-in interface.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Soldo and Vena Solutions actually diverge.

Attributes where Soldo and Vena Solutions differ
AttributeSoldoVena Solutions
Starting price£21/monthOn request
Pricing modelPer user per monthquote
PlatformsWeb, iOS, AndroidWeb, Windows, Excel add-in

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 Vena Solutions

  • Excel add-in interface
  • Central multidimensional database
  • Workflow and approvals
  • Audit trail
  • Rolling forecasts
  • Close management
  • Power BI integration
  • ERP connectors

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

Vena Solutions

  • A finance team that wants governance and audit over budgeting but refuses to give up Excel formulasnot Soldo
  • Replacing a shared drive full of departmental budget workbooks with routed templates and tracked submissionnot Soldo
  • Consolidating actuals from more than one ERP into a single reporting set without a data warehouse projectnot Soldo
  • Running monthly rolling forecasts where the model is complex enough to need real spreadsheet logicnot 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.

Vena Solutions

  • Vena publishes no pricing and contracts are modular, so two organisations of similar size can pay very different amounts and neither can benchmark without going through procurement.
  • Implementation services for data integration and template configuration typically make up a large part of first-year cost, often exceeding the licence, and that figure only appears in the proposal.
  • Excel dependency is structural: organisations on Google Workspace, or staff working only in a browser or on Chromebooks, cannot use the primary interface as intended.
  • Because it accepts existing spreadsheets, it can preserve years of undocumented logic and circular workarounds rather than forcing the clean-up that a rebuild on a purpose-built modelling tool would require.
  • Model performance degrades with very large dimensional models, so organisations that grow into genuinely large planning problems eventually hit the limits of the spreadsheet-first design and face a second migration.

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

Vena Solutions

On request
  • Vena Professional$undefined/year
    • Core planning platform and Excel add-in
    • Workflow, audit trail and version control
    • Standard support
  • Vena Complete$undefined/year
    • Everything in Professional
    • Power BI integration
    • Premium support and a customer success manager

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 Vena Solutions if

  • You need excel add-in interface.
  • You work on Web, Windows, Excel add-in.
  • You also want central multidimensional database.
Vena Solutions review

Questions people ask

Is Soldo or Vena Solutions better?
Neither clearly leads. Soldo starts at £21/month and Vena Solutions at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Soldo or Vena Solutions?
Soldo starts at £21/month and Vena Solutions at On request.
Does Soldo or Vena Solutions run on more platforms?
Soldo runs on Web, iOS, Android. Vena Solutions runs on Web, Windows, Excel add-in.
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 Vena Solutions is typically brought in for.
What can Soldo do that Vena Solutions cannot?
Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export. Vena Solutions covers Excel add-in interface, Central multidimensional database, Workflow and approvals, Audit trail.

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.

Vena Solutions: Do we have to give up Excel?

No, that is the point of the product. Excel is the interface, backed by a central database and workflow.

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.

Vena Solutions: Is pricing published?

No. Vena quotes per organisation based on users, modules and services.

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.

Vena Solutions: How much is implementation?

It is quoted separately and commonly forms a large share of first-year cost. Get it itemised before comparing against Anaplan or Adaptive.

Vena Solutions: Does it work without Microsoft Office?

Not properly. The Excel add-in is the main working surface.

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