Best-in-class spend control: custom card-level limits, department budgets, and instant card freezing. Trusted by over 60,000 businesses across Europe.
Visit Soldo →Built for scale-up businesses with 60+ employees and complex ERP requirements. Integrates with NetSuite, SAP, and Microsoft Dynamics. Strong AP automation.
Visit Payhawk →Soldo: Best if you want granular, card-level spend control on a usable free plan, without needing deep ERP integration.
Payhawk: Best if you are running NetSuite, SAP, or Microsoft Dynamics across multiple entities and need spend management to plug straight into it.
| Feature | Soldo | Payhawk |
|---|---|---|
| Starting price | Free plan | Custom pricing |
| Free plan | Yes | No |
| Physical cards | Yes | Yes |
| Virtual cards | Yes | Yes |
| Invoice management | No | Yes |
| Reimbursements | Yes | Yes |
| Accounting sync | Yes | Yes |
| Best for | Tight department spend control | Scaling companies with complex ERP needs |
Soldo and Payhawk both take spend control seriously, but at different scales. Soldo puts granular rules and instant card freezing in reach of a team with a free plan and no ERP in place. Payhawk assumes you already have ERP infrastructure and builds spend management around fitting into it cleanly, with deeper NetSuite, SAP, and Microsoft Dynamics integration than Soldo offers. Teams still growing into department budgets tend to prefer Soldo. Teams already running multi-entity finance operations tend to prefer Payhawk.
See the full comparison table with all five platforms side by side.