Softwr

Accounting · head to head

Soldo vs Yooz

Soldo logo

Soldo

Accounting

Prepaid company card and spend control platform for European businesses

From
£21/month
Rated
-
Full reviewWebsite
Yooz logo

Yooz

Accounting

AP automation for mid-sized finance teams, with unlimited users included in the subscription

From
$199/month
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.; Yooz it is accounts payable only, with no requisitioning, sourcing or contract management, so procurement control has to come from somewhere else.
  • They diverge on capability: Soldo covers Prepaid company cards, Yooz covers Invoice capture.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Soldo and Yooz actually diverge.

Attributes where Soldo and Yooz differ
AttributeSoldoYooz
Starting price£21/month$199/month
Pricing modelPer user per monthPer month by invoice volume

Identical on both: free tier (No), 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 Yooz

  • Invoice capture
  • Automatic coding
  • Purchase order matching
  • Approval workflow
  • Fraud and duplicate detection
  • Payment initiation
  • Unlimited users
  • E-invoicing readiness

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

Yooz

  • A finance team with thirty occasional approvers that cannot justify per-seat AP automationnot Soldo
  • An accounting practice processing invoices on behalf of many client companiesnot Soldo
  • A French or European business preparing for mandatory electronic invoicing without buying an enterprise platformnot Soldo
  • A company losing early payment discounts because paper invoices sit in someone's tray for two weeksnot 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.

Yooz

  • It is accounts payable only, with no requisitioning, sourcing or contract management, so procurement control has to come from somewhere else.
  • Pricing is published only as a starting point and the real number depends on invoice volume and connector requirements, so the advertised figure understates what most buyers pay.
  • Country compliance depth is strongest in France and francophone Europe; buyers needing many national e-invoicing mandates at once are better served by a vendor built for that.
  • Extraction accuracy on unusual supplier layouts still requires human correction, and the learning improves only with volume, so small-volume users see less benefit from the automation they are paying for.
  • ERP connectors vary in depth between accounting systems, and a shallow connector turns the promised straight-through posting into a periodic file export that someone has to run.

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

Yooz

$199/month
  • Entry$199/month
    • Unlimited users
    • Invoice capture, coding and approval workflow
    • Volume allowance applies
  • Volume tiers$undefined/month
    • Priced by monthly invoice volume
    • European mid-market typically €300 to €600 a month at 200 to 500 invoices
    • Purchase order matching and fraud detection

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 Yooz if

  • You need invoice capture.
  • You work on Web, iOS, Android.
  • You also want automatic coding.
Yooz review

Questions people ask

Is Soldo or Yooz better?
Neither clearly leads. Soldo starts at £21/month and Yooz at $199/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Soldo or Yooz?
Soldo starts at £21/month and Yooz at $199/month.
Does Soldo or Yooz 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 Yooz is typically brought in for.
What can Soldo do that Yooz cannot?
Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export. Yooz covers Invoice capture, Automatic coding, Purchase order matching, Approval workflow.

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.

Yooz: How is it priced?

On monthly invoice volume, with unlimited users included. Entry pricing is around $199 a month, and European mid-market deployments commonly land at €300 to €600.

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.

Yooz: Are there per-user charges?

No, and that is its main commercial advantage over competitors that meter approvers.

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.

Yooz: Does it do procurement as well?

No. It automates accounts payable. Requisitions, sourcing and contracts need a separate system.

Yooz: Is it ready for European e-invoicing mandates?

Yes for France and francophone Europe in particular. For a wide multi-country mandate footprint, compare against a vendor built for that specific problem.

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