Soldo vs Torpago

Soldo combines business cards, software, a mobile app, and payment options to help companies manage spending. Finance teams can set budgets, spending limits, approval rules, and real-time alerts before funds leave the account. Employees can use Soldo cards and the app to capture receipts, attach them to transactions, and add notes, categories, and tax rates. Businesses use it for travel and expenses, team budgets, and unpredictable spending. Soldo lists integrations with SAP Concur, Xero, Sage Accounting, QuickBooks, DATEV, Exact Online, FreshBooks, and NetSuite, alongside custom integrations through its API or Professional Services team. The Soldo Business API is also available. Standard includes one wallet, three users, three cards, and up to 20 outbound transfers per month; Plus includes three wallets and up to 30 transfers per month. Unlimited has unlimited wallets, users, cards, and outbound transfers, with a price on request. Soldo runs on web, Android, iOS, and API. It offers a 30-day trial but no free plan; some services may incur additional fees.

Torpago is a white-label web and mobile platform for banks launching branded business credit-card and spend-management programs. It combines spend controls, approvals, bill pay, reimbursements, and physical and virtual cards. Transaction tools provide real-time tracking, categorization, policy flags, search, and history. Receipt handling includes capture, storage, transaction matching, OCR, verification workflows, and email receipt processing. Expense approvals can follow configurable multi-level or team-based routes with notifications, reminders, and delegation. Reporting covers spend analytics, custom reports, exports, live dashboard snapshots, and statement generation. Employees submit reimbursement requests while finance tracks approvals, payouts, and reports. Policy features support creation, enforcement, approval routing, compliance monitoring, and violation reporting. Torpago names NetSuite, QuickBooks, and Gusto integrations, plus an open API, custom API integrations, and import/export tools. It describes encryption at rest and SOC 2-aligned operations. The platform runs on Android, iOS, web, and API access. Pricing is on request, with the site directing visitors to request a demo.