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Smartbills vs Soldo

A prepaid rule can stop the wrong purchase, but it can't tell you what was in the right one. Smartbills fills that gap with the itemized receipt.

At a glance

Smartbills vs Soldo, in one screen

Soldo issues prepaid company cards governed by rules set before the money is spent: per-card budgets, category restrictions and spending windows, all reported back to finance. It's widely used for decentralized and field spend, where the goal is to hand money out safely instead of reimbursing it afterwards.

Smartbills

Best for

Organizations that need the purchase evidence as well as the spending limit, especially where field and site spend produces most of the receipts.

Where it's stronger

  • Line items come with the transaction. You get the evidence along with the control.
  • Runs on the card programs you already have. You can test capture without moving money.
  • Payables and receivables live on the same ledger as card spend.
  • Tax categories and warranty come from the same line-level record.

Soldo

Best for

Choose Soldo if the point is getting money safely to many people or sites. Prepaid control is its whole product, and it does that better than we do.

Where it's stronger

  • Prepaid control is Soldo's whole product and it beats ours: per-card rules, funding and distribution to large numbers of cardholders.
  • A long track record with decentralized organizations: charities, field services, multi-site retail.
  • Strong UK and Italian presence with local banking familiarity.
  • If you need three hundred cards fenced this month, Soldo can do it today and we'd be slower.

Every comparison on this site names what the other product does better. If we couldn't think of anything, we didn't publish the page.

Side by side

Smartbills and Soldo, feature by feature

These are structural differences, not plan checkboxes. Capabilities change, so check the vendor's own documentation before deciding on any single row.

Prepaid cards with rules set in advance

SmartbillsPolicy at purchase on issued cards
SoldoTheir core product

Handing cards to many people or sites

Smartbills
Soldo

Receipts issued by the merchant

Smartbills
Soldo—

Line items without reading an image

Smartbills
Soldo—

Supplier bills and paying them

Smartbills
Soldo—

Getting paid: accounts receivable

Smartbills
Soldo—

Track record on prepaid and card issuing

SmartbillsNewer
SoldoLong established, especially in the UK and Italy

Moving from Soldo

None of this needs a big-bang cutover. Most teams run both tools for one cycle and compare capture rates before switching anyone off.

  1. Keep the prepaid cards at first

    Capture runs on your existing cards while the control model stays the same. Funding doesn't change during the test.

  2. Pick the messiest cost centre

    Pilot on field or multi-site spending, where missing line detail costs most and the difference shows fastest.

  3. Link your ledger

    Connect your accounting system so coded receipts post on their own and nobody keys them in at month-end.

  4. Decide on issuing afterwards

    Move card issuing only if our policy model suits you better than prepaid rules. That's separate from capture.

FAQ

Frequently asked questions

What people ask us before they sign up.

Not in the prepaid sense. Smartbills issues corporate cards against a budget, with policy applied at purchase. If you need prepaid float mechanics, Soldo is more mature.

Yes, and it's a common setup: Soldo distributes the money, and Smartbills handles the itemized receipts, the coding and the ledger.

Capture falls back to emailed receipts and photos. No merchant is left uncovered, but the detail is thinner than at a connected one.

Get started

Ready to see it against Soldo?

Bring one month of your own receipts and card transactions, and we'll show you the capture rate on both sides instead of a slide deck.