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Create a card

Unlimited Plan Plus Plan Standard Plan

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After adding users to your Soldo account, you are ready to start creating cards.

The number of cards you can create and the fee for issuing a card will depend on your Soldo plan. You can find more information on our pricing page.

With Soldo you can choose to create:

Single-user cards

This card is assigned to 1 specific employee enabling them to spend allocated company money.

Multi-user cards

This card is assigned to a team, project or specific cost centre. You can assign multiple users to this card.

Create a single-user card

1. Log in to the web app

By default, only the Super admin role has the capability to create cards.

2. From the left-side menu, select Cards.

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3. Select Create card.

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4. To create a single-user card, select Create a card for an existing user.

Note: You won't be able to change the card type after you create it. For example, if you create a User card, you won't be able to change it to a Company card.

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5. Select the dropdown to open a list of users.

The dropdown list will display all of the users that you have added to your Soldo account. To create a card for a user, they must first be added to your account as a user.

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6. Choose the desired user from the list.

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7. Select Next.

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8. Choose the type of card you want to create.

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Important: If you're creating a Plastic card, check and confirm the delivery address. We'll deliver the card to the address listed. If you need to edit the card delivery address, refer to this guide.

WC_Cards_AddressManagement_Address_Annotated_202507_EN.webp

9. Select Next.

WC_Cards_ConfirmCardType_Annotated_202409_EN.png

10. Choose the type of wallet that will be used to fund the card.

WC_Cards_SingleUserSelectWallet_Annotated_202409_EN.png

11. Select Next.

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12. Review the details for your order and select Confirm order to create the card.

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Note: When you create a plastic card for one of your Users, you (Super admin) will receive a confirmation email so you can easily keep track of card orders. There's nothing you need to do when you receive this email.

Card Users don’t receive an automatic notification when a new plastic or virtual card is created for them. This gives you flexibility to share the details with your User in the way that works best for your organisation.

Before the card can be used, you will need to transfer funds.

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Physical cards will arrive in 5 to 8 days. Virtual cards and plastic cards are also available to use immediately for online purchases.

Create a multi-user card

1. Log in to the web app

By default, only the Super admin role has the capability to create cards.

2. From the left-side menu, select Cards.

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3. Select Create card.

WC_Cards_CardScreen_MultiCards_CreateCardAnnotated_202409_EN.png

4. To create a multi-user card, select Create a company card.

Note: You won't be able to change the card type after you create it. For example, if you create a Company card, you won't be able to change it to a User card.

WC_Cards_SingleOrMultiUserSelect_MultiAnnotated_202409_EN.png

5. Enter a name for the card.

Unlike single-user cards, multi-user cards are not assigned to a single user. Instead of displaying a user name you can enter a name to reflect this, for example, a project, team or cost centre.

WC_Cards_MultiUser_CardNameFieldFilledAnnotated_202409_EN.png

6. Choose the type of card you want to create.

WC_Cards_MultiUser_CardTypeSelect_Annotated_202409_EN.png

 

Important: If you're creating a Plastic card, check and confirm the delivery address. We'll deliver the card to the address listed. If you need to edit the card delivery address, refer to this guide.

WC_Cards_AddressManagement_Address_Annotated_202507_EN.webp7. Select Next.

WC_Cards_MultiUser_CardTypeSelectNext_Annotated_202409_EN.png

8. Choose the type of wallet that will be used to fund the card.

WC_Cards_MultiUser_WalletTypeSelect_Annotated_202409_EN.png

9. Select Next.

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10. Select Set assignees.

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11. Choose all of the users to be set as assignees and select Confirm.

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12. Select Next.

WC_Cards_MultiUser_SetAssigneesSelected_Annotated_202409_EN.png

13. Review the details for your order and select Confirm order to create the card.

WC_Cards_MultiUser_ConfirmOrder_Annotated_202409_EN.png

Physical cards will arrive in 5 to 8 days. Virtual cards and plastic cards are also available to use immediately for online purchases.

Change the delivery address for Plastic cards

Note: By default, we'll deliver your cards to your default company address.

When you create a Plastic card, you'll be able to select where you'd like the card delivered. This can be:

  • A Company address (We'll ship the card to your selected company address and you'll be able to distribute to your user(s)
  • A User's address (We'll ship the card directly to the user's registered address)

For more information on managing addresses, refer to these articles:

What's new?

We've simplified address management. You can now select or add a company or user address during card creation. Temporary addresses are no longer supported. This change keeps things simpler, more secure, and easier to manage.

Ship a card to a Company address

  1. Follow the guide above to create a card. When you reach the Card type step, you'll be able to check and edit the card delivery address.
    WC_Cards_AddressManagement_Address_Annotated_202507_EN.webp
  2. To change the delivery address, select the edit icon.
    WC_Cards_AddressManagement_AddressEdit_Annotated_202507_EN.webp

  3. From the Company addresses tab, select the address you'd like to ship the card to.

    Tip: You'll also be able to add a new company address from this screen. For more information on adding a company address, refer to this article.

    WC_Cards_AddressManagement_AddressEditSelectNew_Annotated_202507_EN.webp

  4. Select Confirm.
    WC_Cards_AddressManagement_AddressEditSelectNewConfirm_Annotated_202507_EN.webp

Ship a card directly to a user

  1. Follow the guide above to create a card. When you reach the Card type step, you'll be able to check and edit the card delivery address.
    WC_Cards_AddressManagement_Address_Annotated_202507_EN.webp
  2. To change the delivery address, select the edit icon.
    WC_Cards_AddressManagement_AddressEdit_Annotated_202507_EN.webp
  3. Select the User addresses tab.
    WC_Cards_AddressManagement_AddressEditUserTab_Annotated_202507_EN.webp

  4. From the dropdown, select the user you'd like to ship the card to.

    Tip: If you've not yet added a registered address for your selected user, you'll be able to add the address from this screen by selecting Add user address. For more information on managing user addresses, refer to this article.

    WC_Cards_AddressManagement_AddressEditUserSelected_Annotated_202507_EN.webp

  5. Select Confirm.
    WC_Cards_AddressManagement_AddressEditUserSelectedConfirm_Annotated_202507_EN.webp

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Once you've added users to your Soldo account, you're ready to start creating cards. By assigning cards to users, you give them access to company money while keeping full control and visibility over how funds are used.

With Soldo, you’re always in control. You decide:

  • Who can spend
  • What funds they have access to
  • How much they can spend, and how often
  • Where and how they can spend

Any user in your Soldo account can be assigned a card, whether they're an Employee, Admin, or Manager. Cards can be virtual or plastic, depending on your team’s needs.

Note: The number of cards you can create and the card issuing fees depend on your Soldo plan. You can find more details on our pricing page.

Types of Soldo cards

You can choose between two main types of cards:

User cards

User cards are single-user cards. Each card is linked to one specific employee (user) and can't be transferred to someone else. Only the assigned user can use the card.

  • When to use: These cards are ideal for employees who spend regularly. For example, on travel, meals, or equipment.

Company cards

Company cards are multi-user cards. These can be shared by several users, making them ideal for teams, departments, or projects where multiple people need access to shared funds.

  • When to use: Choose a Company card when you need to enable group spending. For example, for a team budget or a short-term project.

When you create a card, you'll need to decide how you'll fund the card. You do this by linking the card to a wallet. When you link a card with a wallet, you're giving access to the funds in that wallet. You can control spending by controlling the amount of funds in the wallet (the amount the card has access to) and additionally, applying rules and spending limits on the card.

Whether you choose a User card or Company card, you’ll always have the tools to manage spend in real-time and stay in control of your company’s money.

Create a single-user card

Who: Only Super admins can create or delete cards.
  1. Log in to the Web app.
  2. From the navigation menu, select Cards.
  3. Click on Create card.
    WC_Cards_CreateCard_202510_Surface_EN.png
  4. Select Create user card.
    WC_Cards_CreateCard_TypeSelectUser_202510_Surface_EN.png
Note: You can’t change the card type once it’s created. For example, a User card can’t be converted to a Company card later.
  1. Select the user you want to assign the card to, then click on Next.
Tip: If you have many users in your account, use the search icon to find a user by name.
  1. Choose the card format:
  • Virtual - Best for users who only spend online. These cards can't be used in-store or at cashpoints.
  • Plastic - Suitable for users who need to make in-person purchases or withdraw cash from a cashpoint.
  • Fuel - Designed for vehicle-related spend, such as fuel, tolls, or charging.
Important: If you're creating a plastic or fuel card, make sure to check the delivery address before continuing. As standard, the card will be sent to your default Company address. If you need it delivered to a different company address or directly to the user, select the edit icon to choose the preferred address or add a new one.
  1. If you're on a Plus or Unlimited plan and using multiple currencies, select the currency you want the card to use. If your account is set up for a single currency, your default currency will be pre-selected. Just click Next to continue.
  2. Choose how you'd like to fund the card:
  • Link to user wallet - Connect the card to the user’s personal wallet. You can transfer funds directly to that wallet.
  • Link to Company or Main Wallet - If you're on a Plus or Unlimited plan, you can link the card to a Company wallet. All plans can link cards to the Main wallet.
Tip: You can change the funding source later. For example, if you link the card to the Main wallet and later want to switch to a user wallet, you can do this from the Cards section in the card overview screen.
  1. Once you've chosen the funding source, select Next.
  2. Review your order details. If you need to make changes, click Edit next to the relevant section. When everything looks correct, click Confirm to create the card.
Note: When you create a plastic card for one of your Users, you (Super admin) will receive a confirmation email so you can easily keep track of card orders. There's nothing you need to do when you receive this email.
Card Users don’t receive an automatic notification when a new plastic or virtual card is created for them. This gives you flexibility to share the details with your User in the way that works best for your organisation.

Plastic cards are delivered within 5 to 8 days. Both virtual and plastic cards are available to use immediately for online purchases. So even if you’ve ordered a plastic card, your user can start spending online right away. There's no need to wait for the card to arrive.

Create a multi-user card

Who: Only Super admins can create or delete cards.
  1. Log in to the Web app.
  2. From the navigation menu, select Cards.
  3. Click on Create card.
    WC_Cards_CreateCard_202510_Surface_EN.png
  4. Select Create company card.
    WC_Cards_CreateCard_TypeSelectCompany_202510_Surface_EN.png
Note: You can’t change the card type once it’s created. For example, a Company card can’t be converted to a User card later.
  1. Choose the card format: 
  • Virtual - Best for users who only spend online. These cards can't be used in-store or at cashpoints.
  • Plastic - Suitable for users who need to make in-person purchases or withdraw cash from a cashpoint.
  • Fuel - Designed for vehicle-related spend, such as fuel, tolls, or charging.
Important: If you're creating a plastic or fuel card, make sure to check the delivery address before continuing. As standard, the card will be sent to your default Company address. If you need it delivered to a different company address or directly to the user, select the edit icon to choose the preferred address or add a new one.
  1. Enter a card name (Max. 20 characters). For example, this may be the name of the team, department or project. If you've selected a plastic card, the card name will be printed on the card.
  2. If you're on a Plus or Unlimited plan and using multiple currencies, select the currency you want the card to use. If your account is set up for a single currency, your default currency will be pre-selected. Just click Next to continue.
  3. Choose how you'd like to fund the card:
  • Create 'Reserved' wallet - Create a wallet to be used exclusively by this card. You can transfer funds directly to the card.
  • Link to Company or Main Wallet - If you're on a Plus or Unlimited plan, you can link the card to a Company wallet. All plans can link cards to the Main wallet.
Tip: You can change the funding source later. For example, if you link the card to a Company wallet and later want to switch to a reserved wallet, you can do this from the Cards section in the card overview screen.
  1. Once you've chosen the funding source, select Next.
  2. Decide who will use the card. Click Add assignees to select the users who will get access to this card. You can add and remove assignees from a Company card at any time from the Cards section.. If you prefer to create the card and add assignees later, you can simply click Skip this step.
  3. If you're using Groups, you can choose to assign the Company card to a group. Select the dropdown and choose the relevant group. Any transactions made with this card will automatically be tagged with the group, giving you better visibility of team or project spend.
  4. Click Next to continue.
  5. Review your order details. If you need to make changes, click Edit next to the relevant section. When everything looks correct, click Confirm to create the card.

Plastic cards are delivered within 5 to 8 days. Both virtual and plastic cards are available to use immediately for online purchases. So even if you’ve ordered a plastic card, your team can start spending online right away. There's no need to wait for the card to arrive.

Change the delivery address for Plastic cards

Who: Super admins.
Note: By default, we'll deliver your cards to your default company address.

When you create a Plastic card, you'll be able to select where you'd like the card delivered. This can be:

  • A Company address - We'll ship the card to your selected company address and you'll be able to distribute to your user(s).
  • A User's address - We'll ship the card directly to the user's registered address.

For more information on managing addresses, refer to these articles:

What's new?

We've simplified address management. You can now select or add a company or user address during card creation. Temporary addresses are no longer supported. This change keeps things simpler, more secure, and easier to manage.

Ship a card to a Company address

  1. Follow the guide above to create a card. When you reach the Card format step, you'll be able to check and edit the card delivery address.
  2. To change the delivery address, select the edit icon.
  3. From the Company addresses tab, select the address you'd like to ship the card to.
Tip: You'll also be able to add a new company address from this screen. For more information on adding a company address, refer to this article.
  1. Click Confirm.

Ship a card directly to a user

  1. Follow the guide above to create a card. When you reach the Card format step, you'll be able to check and edit the card delivery address.
  2. To change the delivery address, select the edit icon.
  3. Select the User addresses tab.
  4. From the dropdown, select the user you'd like to ship the card to.
Tip: If you've not yet added a registered address for your selected user, you'll be able to add the address from this screen by selecting Add user address. For more information on managing user addresses, refer to this article.
  1. Click Confirm.
     

Availability

Who: Super admins.
Pricing plan(s): Standard, Plus, Unlimited
5 people voted. Sum of votes: 1
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The software services provided to customers resident in or with registered office in an EEA country or in the UK are provided by Soldo Software Ltd a company incorporated in the UK with company number 09233754 and VAT: GB204213566, whose registered office is 119 Marylebone Road, London, NW15PU, United Kingdom. Soldo Software Ltd (data protection number: ZA 092035) complies with all applicable data protection and privacy legislation in force from time to time in the UK and the EU including the General Data Protection Regulation ((EU) 2016/679) and the Data Protection Act 2018. All the communications related to the software and related services shall be sent to the registered office. Soldo Software Ltd., 119 Marylebone Road, London, NW15PU, United Kingdom.

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The financial services provided to customers resident in or with registered office in an EEA country are provided by Soldo Financial Services Ireland DAC, a company incorporated in Ireland with company number 610705, and registered office at 33 Sir John Rogerson’s Quay, Dublin 2, Ireland.  Soldo Financial Services Ireland DAC is regulated by the Central Bank of Ireland. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The card is issued by Soldo Financial Services Ireland DAC pursuant to a licence issued by Mastercard International Inc. Soldo Financial Services Ireland DAC complies with all applicable data protection and privacy legislation in force from time to time in Ireland, including the EU General Data Protection Regulation (EU 2016/679) and the Data Protection Acts 1988 - 2018. All communications related to financial services provided by Soldo Financial Services Ireland DAC shall be sent to Soldo Financial Services Ireland DAC, 33 Sir John Rogerson’s Quay, Dublin 2, Ireland.

The financial services provided to customers resident in or with registered office in the UK are provided by Soldo Financial Services Ltd., a company incorporated in the UK with company number 09495650, whose registered office is 119 Marylebone Road, London, NW15PU, United Kingdom, authorised as an Electronic Money Institution by the Financial Conduct Authority (firm registration number 900459). Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The card is issued by Soldo Financial Services Ltd pursuant to a licence issued by Mastercard International Inc. Soldo Financial Services Ltd. (data protection number: ZA147304) complies with all applicable data protection and privacy legislation in force from time to time in the UK and the EU including the General Data Protection Regulation ((EU) 2016/679) and the Data Protection Act 2018. All communications related to financial services provided by Soldo Financial Services Ltd shall be sent to Soldo Financial Services Ltd., 119 Marylebone Road, London, NW15PU, United Kingdom.