# Soldo

**Canonical:** https://apis.io/providers/soldo/  
**Website:** https://www.soldo.com  
**APIs profiled:** 46

Soldo is a pan-European spend management and prepaid business card platform that pairs Mastercard company cards with software for budgeting, expense tracking, and accounting reconciliation. The Soldo Business API (v2.0, OpenAPI 3.1) lets businesses programmatically issue and control cards, manage wallets and internal transfers, read and reconcile transactions, run expense reports and reviews, manage users, groups and roles, handle documents and receipts, and subscribe to 81 webhook event types. Authentication is OAuth 2.0 Client Credentials, with request-signed "advanced authentication" (SHA512withRSA fingerprints) layered on top for money movement and sensitive changes. Soldo also operates a separate PSD2 / Open Banking API.

## Kin Score — 51.8 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 51.8).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 69.0 |
| Governance | 11.5 |
| Operational Transparency | 39.5 |
| Developer Ergonomics | 62.5 |
| Commercial Clarity | 31.6 |

Regulatory layer — **Payments**: 60.9 (matched via tags).

## Agent readiness — 43.5 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | partial |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (46)

- **Soldo Accounting Classification API** — The Accounting Classification API from Soldo — 1 operation(s) for accounting classification.
- **Soldo Addresses API** — The Addresses API from Soldo — 2 operation(s) for addresses.
- **Soldo Authentication API** — The Authentication API from Soldo — 2 operation(s) for authentication.
- **Soldo Auto-Transfer Presets API** — The Auto-Transfer Presets API from Soldo — 5 operation(s) for auto-transfer presets.
- **Soldo Autotags API** — The Autotags API from Soldo — 2 operation(s) for autotags.
- **Soldo Business Trips API** — The Business Trips API from Soldo — 7 operation(s) for business trips.
- **Soldo Card Rules API** — The Card Rules API from Soldo — 7 operation(s) for card rules.
- **Soldo Card Rules Presets API** — The Card Rules Presets API from Soldo — 3 operation(s) for card rules presets.
- **Soldo Cards API** — The Cards API from Soldo — 3 operation(s) for cards.
- **Soldo Company API** — The Company API from Soldo — 1 operation(s) for company.
- **Soldo Contacts API** — The Contacts API from Soldo — 2 operation(s) for contacts.
- **Soldo Documents API** — The Documents API from Soldo — 4 operation(s) for documents.
- **Soldo Expense Categories API** — The Expense Categories API from Soldo — 2 operation(s) for expense categories.
- **Soldo Expense Policies API** — The Expense Policies API from Soldo — 4 operation(s) for expense policies.
- **Soldo Expense Reports API** — The Expense Reports API from Soldo — 3 operation(s) for expense reports.
- **Soldo Expense Review Configuration API** — The Expense Review Configuration API from Soldo — 1 operation(s) for expense review configuration.
- **Soldo Expense Review Processes API** — The Expense Review Processes API from Soldo — 5 operation(s) for expense review processes.
- **Soldo Expense Reviews API** — The Expense Reviews API from Soldo — 7 operation(s) for expense reviews.
- **Soldo Groups API** — The Groups API from Soldo — 3 operation(s) for groups.
- **Soldo Lists API** — The Lists API from Soldo — 2 operation(s) for lists.
- **Soldo Online Ads API** — The Online Ads API from Soldo — 4 operation(s) for online ads.
- **Soldo Orders API** — The Orders API from Soldo — 2 operation(s) for orders.
- **Soldo Out of Office API** — The Out of Office API from Soldo — 2 operation(s) for out of office.
- **Soldo Permissions API** — The Permissions API from Soldo — 1 operation(s) for permissions.
- **Soldo Pre-approved Spend API** — The Pre-approved Spend API from Soldo — 3 operation(s) for pre-approved spend.
- **Soldo Refueling Transactions API** — The Refueling Transactions API from Soldo — 2 operation(s) for refueling transactions.
- **Soldo Requests API** — The Requests API from Soldo — 4 operation(s) for requests.
- **Soldo Resource Sets API** — The Resource Sets API from Soldo — 2 operation(s) for resource sets.
- **Soldo Statements API** — The Statements API from Soldo — 2 operation(s) for statements.
- **Soldo Subscriptions API** — The Subscriptions API from Soldo — 4 operation(s) for subscriptions.
- **Soldo Tags API** — The Tags API from Soldo — 3 operation(s) for tags.
- **Soldo Transaction Attachments API** — The Transaction Attachments API from Soldo — 2 operation(s) for transaction attachments.
- **Soldo Transaction Custom Export API** — The Transaction Custom Export API from Soldo — 4 operation(s) for transaction custom export.
- **Soldo Transaction Expense Category API** — The Transaction Expense Category API from Soldo — 2 operation(s) for transaction expense category.
- **Soldo Transaction Metadata API** — The Transaction Metadata API from Soldo — 2 operation(s) for transaction metadata.
- **Soldo Transaction Split API** — The Transaction Split API from Soldo — 1 operation(s) for transaction split.
- **Soldo Transaction Tags API** — The Transaction Tags API from Soldo — 1 operation(s) for transaction tags.
- **Soldo Transaction VAT Rate API** — The Transaction VAT Rate API from Soldo — 1 operation(s) for transaction vat rate.
- **Soldo Transactions API** — The Transactions API from Soldo — 7 operation(s) for transactions.
- **Soldo User Roles API** — The User Roles API from Soldo — 3 operation(s) for user roles.
- …and 6 more, listed in full on the page.

## MCP servers (1)

- **soldo-mcp.yml**

## Agentic access (1)

- **Soldo Agentic Access** — 235 operations · 152 acting · 6 human-in-the-loop

## Security (2)

- **Soldo Authentication** — oauth2 · 1 scheme
- **Soldo Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Consumer, Fintech, Financial Services, Spend Management, Expense Management, Business Cards, Prepaid Cards, Payments, Banking

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/soldo/). Scores are computed from the provider's own public artifacts under a published rubric.