10 Soldo alternatives for smarter expense control
Nobody leaves an expense platform over price. They leave when manual receipt matching turns month-end into a four-day ordeal.
That’s where Soldo alternatives come in. Soldo handles prepaid cards and spend controls well, but scaling exposes gaps in approvals, reporting, and vendor payments.
Here are the ten strongest alternatives, compared on pricing, automation, approvals, reporting, and regional availability.
REVIEWED BY
Akanksh Muniyappa
Head of Product
WRITTEN BY
Yashvi Tiwari
Content Writer
Quick summary of the best Soldo alternatives
Here’s a quick look at the top Soldo alternatives in 2026:
● Volopay: Best for automation and control
● Payhawk: Best for scaling companies
● Airwallex: Best for international operations
● SAP Concur: Best for enterprises
● Pleo: Best for startups
● Brex: Best overall for funded startups
● Ramp: Best for cost control
● Zoho Expense: Best for mid-sized companies
● Navan: Best for travel management
● Spendesk: Best for European SMBs
| Tool | Approval workflows | Reporting & insights | Integrations & automation | Global payments | Real-time control | Customer support | Scalability |
|---|---|---|---|---|---|---|---|
Brex | Limited | Limited | Limited | ||||
Volopay | |||||||
Ramp | Limited | Limited | |||||
Pleo | Limited | Limited | Limited | ||||
Payhawk | Limited | ||||||
SAP Concur | Limited | ||||||
Navan | Limited | Limited | |||||
Spendesk | Limited | Limited | Limited | ||||
Zoho Expense | Limited | Limited | Limited | ||||
Airwallex |
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10 best Soldo alternatives for smarter expense control in 2026
Each tool below covers key features, pricing, pros, cons, and integrations. We also explain why it works as a Soldo alternative, based on real user feedback and analysis.
Best overall
1. Brex
Best for: VC-backed startups, tech companies, and fast-growing businesses that need an all-in-one spend management solution with corporate cards, expense management, and financial automation without personal guarantees.
Solutions: Tech companies, growth-stage ventures, SaaS businesses, and organizations that prioritize a comprehensive, centralized platform for managing spend across teams and tools.
Integrations: Brex integrates with QuickBooks, Xero, NetSuite, and Sage Intacct. Additionally, it can integrate with HR, Payroll, Slack, and ERPs for large teams.
Pricing: The Essentials plan is free, while the Premium plan costs roughly $12 per user per month. The Enterprise plan requires customized pricing, with extra charges for card and transaction usage.
Best for startups
2. Volopay
Best for: Early-stage and growing startups that want one platform to manage all their spending, replace multiple tools, and simplify finance
Solutions: Tech startups, e-commerce ventures, professional services, and founding teams looking to build lean, scalable finance workflows from the ground up.
Integrations: Volopay integrates with QuickBooks, Xero, NetSuite, MYOB, and Tally. It also connects to ERP, HR, and CRM systems via APIs for real-time data synchronization.
3. Ramp
Best for: Startups and small-to-mid-sized businesses that want strong cost control, smart automation, and clear insights into where their money is going.
Solutions: Mid-market to enterprise teams with high card volume, procurement needs, or data-focused finance operations.
Integrations: Ramp connects with QuickBooks, Xero, NetSuite, Sage Intacct, and Microsoft Dynamics. It also supports ERP systems, Slack, and HRIS tools like Workday.
Pricing: Ramp's core plan is free. The Plus plan costs around $15 per user per month plus a platform fee. Enterprise pricing is custom. Additional fees apply for bill payments via ACH or wire.
4. Pleo
Best for: Early-stage startups and small teams that want a simple expense management tool with smart company cards and an easy experience for everyday spending.
Solutions: Growing European and international SMBs in tech, marketing, and professional services.
Integrations: Pleo connects with QuickBooks, Xero, and NetSuite. HRIS integrations are available on higher plans. It also offers an open API and works well with bookkeeping tools for automatic transaction syncing.
Pricing: Pleo's Starter plan costs £9.50 per month for up to 3 users. Essential is £39 per month including 3 users, plus £11 per additional user. Advanced is £99 per month including 3 users, plus £15 per additional user. Business starts from £249 per month with bespoke pricing.
Best for scaling companies
5. Payhawk
Best for: Scaling international businesses with complex accounts payable needs.
Solutions: Enterprises and mid-to-large teams operating across Europe, the US, and the UK.
Integrations: Payhawk is integrated with many software, such as Xero, QuickBooks, Exact, DATEV, NetSuite, Sage, and others.
Pricing: Payhawk uses custom, modular pricing based on the features and usage your team needs. There is no fixed public price, so you will need to contact them for a quote.
Best for enterprises
6. SAP Concur
Best for: Best for large enterprises and multinational companies that need strict compliance, audit controls, and global expense management across multiple regions and currencies.
Solutions: Works well for corporates, MNCs, BFSI firms, consulting companies, and manufacturers that handle complex travel and expense processes across large teams.
Integrations: SAP Concur connects deeply with SAP ERP systems and works with NetSuite, Oracle, and other finance tools. It has a large partner ecosystem with hundreds of available integrations.
Pricing: Pricing is custom and not publicly listed. You can contact SAP Concur for further details.
Best for travel expense management
Best for mid-sized companies
8. Spendesk
Best for: Mid-sized businesses with 50 to 500 employees, especially European companies that want structured spend control without added complexity.
Solutions: SaaS, tech startups, marketing agencies, consulting firms, and companies managing distributed teams and departmental budgets.
Integrations: Spendesk connects with QuickBooks, Xero, NetSuite, and Sage. It also supports 40 or more ERP, HR, and workplace tools, including Slack.
Pricing: Pricing is quote-based with no per-user fees. Plans typically include a fixed platform fee plus variable transaction-based charges, supporting unlimited users.
Best for mid-market
9. Zoho Expense
Best for: Mid-sized businesses and growing teams that want an affordable and easy-to-use expense management tool with strong accounting integrations.
Solutions: SMEs, SaaS companies, consulting firms, agencies, and businesses already using other tools within the Zoho ecosystem.
Integrations: Zoho Expense works with QuickBooks, Xero, and Zoho Books. It also connects with ERP and HRMS tools, the wider Zoho ecosystem, and supports custom workflows via API.
Pricing: Free plan available for up to 3 users. Standard costs around $3 per month. Premium is around $5 per month. Enterprise pricing is custom.
Best for international operations
10. Airwallex
Best for: Global businesses and startups with international teams that need multi-currency accounts, cross-border payments, and global spend control.
Solutions: E-commerce, SaaS, importers and exporters, and teams working across borders. Strong presence in APAC, EU, and US markets.
Integrations: Airwallex connects with QuickBooks, Xero, and NetSuite. It also supports HRIS tools, payment gateways, eCommerce platforms, and custom API integrations.
Pricing: The Explore plan is free. The Grow plan costs $12 per user per month plus a platform fee. Accelerated pricing is custom.
What is the best Soldo alternative in 2026?
When choosing a Soldo alternative, businesses should consider factors such as expense management, approval workflows, automation, reporting, integrations, global payments, and customer support. The right platform will depend on the company’s size, budget, operational needs, and how much control and scalability the finance team requires.
How to choose the right Soldo alternative for your business
Choosing the right tool depends on your business needs. Here are the key factors to consider:
Company size
Some tools suit startups better, while others are built for larger teams. As your company scales, you might need more complex and specific reporting, more complex approval workflows, more spend controls, and stronger automations. Look for a tool that addresses your future needs as well as present ones, and one that scales with your company.
Budget
Choose a tool that fits your budget. Many tools paywall some features, or add fees for higher transaction volumes or feature usage. Consider what you’re willing to pay now, as well as what you anticipate paying as your company grows. Take into account your budget for automation tools for the next few years before locking into any contract.
Automation
Less manual work means more time saved. Additionally, it’s important to know which areas are your biggest time and productivity drains. Some teams need strong AP automations because they handle several vendor transactions.
Others need smoother payroll automations to handle expenses for growing teams. Some might require automated accounting for easier compliance and reconciliation. Look into all areas that could benefit from automation and choose a tool that covers this gap.
Approval workflows
Look for smooth, simple team collaboration. Approval workflows are the biggest reason companies turn to expense management software, and a tool that doesn’t really address this issue is a waste of investment. Look for tools that offer multi-tier approvals, maker-checker balances, and customizable options for different teams.
Reporting
Clear data helps your team make better decisions. It helps with accurate financial forecasting, budget allocations, investment decision-making, and payroll management. Without clear reporting, your team is unable to make key strategic decisions. Choose a tool that offers the depth of reporting that your company requires so that you’re not missing critical information.
Integrations
Good connections reduce manual data entry and double work. Integrations to accounting software, or ERP and HR systems, can drastically cut down redundant effort and save time and productivity for your team. Make a checklist of all the tools you intend to keep and ensure your spend management tool integrates effortlessly with them.
Global support
Essential for teams operating across borders. Customer support in different countries is a much-needed feature for teams operating multiple entities, teams dealing with international vendors, teams selling in different markets, and companies with traveling employees. 24x7 support in multiple languages and available easily can make a massive difference to user convenience and prevent service disruptions. Choose a tool that offers international support coverage.
Customer support
Fast help matters when issues come up, regardless of location. Even timely domestic support is necessary to prevent service disruptions, delayed payments, or a halt in business operations. Opt for a tool that offers round-the-clock service as well as multi-channel service options.
FAQs
Volopay, Zoho Expense, and Ramp are strong choices. Volopay suits growing teams needing cards and automation. Zoho fits budget-conscious businesses, and Ramp offers a free starting plan.
Common reasons include high costs, limited automation, slow approvals, poor reporting, and weak integrations. Businesses want better insights, smarter automation, and tools that scale without adding manual work.
Look for real-time tracking, receipt scanning, multi-level approvals, spend controls, strong reporting, accounting integrations, and a good mobile experience. AI automation and multi-currency support are useful extras.
Airwallex, Payhawk, and Volopay are top picks. Airwallex leads on FX fees. Payhawk offers strong multi-entity control. Volopay balances cards, bill pay, and cross-border payments well.
Yes. Most top alternatives connect with QuickBooks, Xero, NetSuite, and Sage. This reduces manual entry and speeds up month-end closing significantly.
Yes. Zoho Expense and Ramp offer low or free plans. Volopay provides strong value with usage-based pricing that includes cards, automation, and bill pay at a lower total cost.