Soldo
Soldo is a prepaid expense management cards (mastercard) issued on Mastercard, rated 6.4/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Soldo is the strongest fit for ad spend and streaming, and asks for business KYC at signup — we carry it at low risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Soldo · Prepaid expense management cards (Mastercard) |
| Official site | https://www.soldo.com |
| Best for | Ad spend · Streaming |
| Network | Mastercard |
| Rating | 6.4/10 (3.0★, 559 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | £1 virtual card issue; £5 physical card issuance (per card) |
| Monthly / annual fee | Pro £5/card/mo; Premium £9/card/mo |
| Top-up (deposit) fee | 0% (free deposits & transfers to cards) |
| FX / conversion fee | 1.5% (some pages state 1%); fixed FX fee |
Verification and risk
| KYC required | Yes (business; no credit check) |
| Risk level | Low |
| AVS check | Yes |
| 3-D Secure | No |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes (bank transfer, Faster Payments, PayPal) |
| Alipay / WeChat Pay | No |
| Cards per account | Unlimited cards (as many as needed) |
Billing
| Billing address | Business (EU/UK) |
| Billing country | EU/EEA/UK (31+ countries) |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes (Apple Pay & Google Pay) |
| Meta / Google Ads | Yes (ad platforms accepted) |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 535388 | Mastercard | EEA (Europe) | Prepaid | 124 | 87 | 70.2% |
We logged 87 cleared charges out of 124 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Mastercard virtual cards
Frequently asked
What does Soldo cost to run?
The cost lines stack like this: issuing it costs £1 virtual card issue; £5 physical card issuance (per card); the recurring charge is Pro £5/card/mo; Premium £9/card/mo; top-ups cost 0% (free deposits & transfers to cards); conversion is priced at 1.5% (some pages state 1%); fixed FX fee. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Soldo?
Soldo asks for business KYC at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (business; no credit check)
How can I fund Soldo?
You can fund it with bank transfer (bank transfer, Faster Payments, PayPal). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Soldo need?
Setting it up: the billing address type is Business (EU/UK); cards are issued against EU/EEA/UK (31+ countries); an AVS check is applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Soldo work for subscriptions and AI tools?
We recorded successful charges for Netflix and Spotify, the App Store and Google Play, Meta and Google Ads. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Soldo trigger 3-D Secure?
No. Soldo does not use 3-D Secure. That removes a step at checkout and also means a blocked range fails immediately instead of hanging on an OTP screen, which is easier to diagnose.
How many cards can I open with Soldo?
The issuer allows Unlimited cards (as many as needed). Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.