Comparison · 2026 edition
Ramp vs Soldo: spend management compared 2026.
Ramp and Soldo side by side in the Expense Cards and Spend Management Index 2026: scores, evidence, published facts and awards.
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Ramp and Soldo side by side in the Expense Cards and Spend Management Index 2026: scores, evidence, published facts and awards.
In the Expense Cards and Spend Management Index, Ramp scores higher overall: 4.7 out of 5 (93 out of 100) against 4.0 (81), ranking 3 and 4 of 12. Ramp also scores higher in every segment.
Overall and segment scores out of 100, and the score out of 5.
| Score | Ramp | Soldo |
|---|---|---|
| Score out of 5 | 4.7 | 4.0 |
| Score out of 100 | 93 | 81 |
| Overall rank | 3 of 12 | 4 of 12 |
| For startups and small firms (out of 100) | 91, rank 3 | 86, rank 4 |
| For mid-market and multi-country groups (out of 100) | 94, rank 2 | 74, rank 6 |
| For regulated financial firms (out of 100) | 94, rank 2 | 83, rank 6 |
| Type | Corporate card and finance automation platform | Prepaid company card and expense platform |
Each score with the evidence behind it.
| Criterion | Ramp | Soldo |
|---|---|---|
| Product coverage | 5/5 Cards, reimbursements, bill pay, travel booking and procurement all published. | 2/5 Cards and reimbursement transfers published; no bill pay software, travel or procurement. |
| Published pricing | 4/5 Per-user prices published, but the Plus platform fee is not. | 5/5 Monthly prices and inclusions published for two plans. |
| Global reach | 5/5 Local-currency card issuing in 30+ countries published. | 3/5 Local issuing in the UK and EEA; no country count. |
| Integration | 4/5 Named ERP connections published; a developer API not confirmed on the pages read. | 4/5 Accounting and SAP Concur connections; no API confirmed on the pages read. |
| Regulatory standing | 5/5 Named issuers with regulator and reference numbers, and SOC 2 Type II. | 5/5 Own FCA and Central Bank of Ireland regulated issuers, ISO 27001 and PCI DSS Level 1. |
| Spend controls | 5/5 Limits, merchant controls, approvals and automatic receipt capture all published. | 5/5 Budgets, permissions, receipt capture and approval workflows published. |
Each criterion is scored 0 to 5 against the best published offer in the Expense Cards and Spend Management Index. 0 means not offered or not published. How it is scored
What each provider publishes on its own pages, read on 26 October 2026.
| Fact | Ramp | Soldo |
|---|---|---|
| Product coverage | Corporate Card; Travel & Expense with flight, hotel and car booking; reimbursements; Accounts Payable; Procurement as an add-on to Plus or Enterprise. | Mastercard prepaid company and employee cards; receipt capture; outbound transfers by Faster Payments and SEPA to "pay suppliers, reimburse employees". |
| Pricing | Free: "$0/mo/user". Plus: "$15/mo/user + Platform fee based on team size". Enterprise: custom. 1099 filing "$.65 per IRS filing". | Standard: "£27 per month +VAT" with 1 wallet, 3 users, 3 cards and up to 20 transfers. Plus: "£39 per month +VAT" with 3 wallets, 3 users, 3 cards and up to 30 transfers. Unlimited: "Price on request". Card and withdrawal fees listed separately. |
| Global reach | "Local currency card issuing in 30+ countries" on Enterprise; platform "available in 190+ countries". | Services from Soldo Financial Services Ltd (UK) and Soldo Financial Services Ireland DAC (EEA); country count not published. |
| Integration | QuickBooks Online and Xero; NetSuite, Sage Intacct, Acumatica and Microsoft Dynamics 365 Business Central on Plus; Workday and Oracle Fusion Cloud on Enterprise. | "Connect to your accounting software"; SAP Concur and "100+ software systems" on Unlimited. |
| Regulatory standing | Cards issued in the US by Celtic Bank, Column N.A., Sutton Bank and Lead Bank; in the UK by "Stripe Payments UK Limited, an electronic money institution authorized by the Financial Conduct Authority (firm reference number: 900461)"; in the EEA by Stripe Technology Europe Limited (Central Bank of Ireland C187865). Annual SOC 2 Type II audits. | Soldo Financial Services Ltd "authorised as an Electronic Money Institution by the Financial Conduct Authority (firm registration number 900459)"; Soldo Financial Services Ireland DAC "regulated by the Central Bank of Ireland". ISO/IEC 27001 annually since 2019; PCI DSS Level 1 since 2017. |
| Spend controls | "Category and vendor controls"; cards lock automatically "when required receipts or items aren't submitted on time"; approval workflows routed by GL code and entity; "Auto-receipt collection and matching". | Wallets for team budgets; user permissions and roles; OCR receipt capture; "Build custom expense approval workflows" on Unlimited; card locking. |
| Date read | 26 October 2026 | 26 October 2026 |
Not published or not stated by Ramp: integration.
Not published or not stated by Soldo: global reach.
Facts read on 26 October 2026 from: ramp.com/pricing, ramp.com/global, ramp.com/security; and soldo.com/en-gb/pricing, soldo.com/en-gb/security.
Awards follow from the published scores and cannot be bought.
From each provider's strongest criteria and published terms.
US firms wanting cards, bills, travel and procurement on one platform.
UK and EU firms wanting a published monthly price and regulated card issuer.
Tell us what you need and where you operate.