Soldo vs Ramp
Side-by-side comparison of AI visibility scores, market position, and capabilities
Soldo (London/Rome) provides programmable prepaid Mastercards for distributed teams — field sales, franchise operators — with individual spending rules and centralized oversight; serves European SMBs and mid-market.
About
Soldo is a London and Rome-based business spending company that provides programmable prepaid Mastercard cards and an expense management platform for businesses needing to distribute spending power across teams, departments, or subsidiaries. Companies load funds onto Soldo and assign cards to employees with individual spending rules — category restrictions, single-transaction limits, merchant blocks — giving decentralized spending control with centralized oversight. The platform is particularly suited for businesses with distributed workforces including field sales teams, franchise operators, and multi-location businesses. Soldo integrates with accounting software including Xero and QuickBooks and provides real-time transaction feeds that dramatically reduce reconciliation time. Founded in 2014 with offices in London and Rome, Soldo raised over $180M from investors including Battery Ventures, Accel, and Silicon Valley Bank. The company serves over 30,000 businesses across Europe and competes with Pleo, Spendesk, and Payhawk in the European business spending market.
Corporate expense platform with $7.65B valuation; corporate cards plus AI spend intelligence that identifies waste and unused subscriptions competing with Brex and Concur for finance teams.
About
Ramp is a corporate expense management and financial operations platform providing corporate cards, expense management, bill payments, vendor management, and financial reporting for businesses — combining a charge card with automated expense workflows, receipt matching, and AI-powered spend intelligence that helps companies reduce unnecessary spending. Founded in 2019 by Eric Glyman, Karim Atiyeh, and Gene Lee in New York City, Ramp has raised over $620 million at a $7.65 billion valuation and has grown rapidly to serve tens of thousands of businesses by positioning on saving customers money rather than maximizing card reward points.\n\nRamp's corporate card integrates directly with expense management — cardholders receive automatic receipt requests for transactions, merchant category controls prevent unauthorized purchases, and AI analyzes transactions to identify duplicate subscriptions, unused software licenses, and negotiation opportunities with vendors. The Ramp Intelligence feature flags cost-saving opportunities proactively — if the system identifies that a company is paying for multiple tools that overlap in functionality, it recommends consolidation. Bill Pay automates AP workflows with multi-level approval flows.\n\nIn 2025, Ramp competes with Brex (the direct competitor in the corporate card + expense category), Concur (SAP, legacy travel and expense), Expensify, and Divvy (acquired by Bill.com) for corporate spend management market share. The category has grown as finance teams seek unified platforms rather than separate corporate card, expense report, and AP systems. Ramp's unique positioning — "the card that saves you money" — differentiates it from rewards-focused competitors through its anti-waste intelligence layer. The 2025 strategy focuses on expanding into mid-market and enterprise (beyond startup/growth company focus), deepening procurement automation capabilities, and launching Ramp Plus features for larger finance teams needing advanced controls and reporting.
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