# Bill.com vs SAP Concur

**Leader by vioscaleAI score:** Bill.com

| Attribute | Bill.com | SAP Concur |
|---|---|---|
| **vioscaleAI score** | 65.8 (55% (medium)) | 53 (50% (medium)) |
| content.faq | `[{"answer":"BILL is a financial operations platform that automates accounts payable, accounts receivable, and expense management across organizations. It integrates with accounting software and provides real-time visibility into cash flow and spending through centralized approval workflows and spend controls. It is indexed under Expense & Procurement Software.","source":"https://www.bill.com","question":"What is Bill.com?","confidence":0.6},{"answer":"Bill.com offers a free tier, so you can start without paying. Pricing changes often, so verify at source before relying on it.","source":"https://www.bill.com/blog/how-penetration-pricing-works","question":"Is Bill.com free?","confidence":0.6},{"answer":"Bill.com supports the web, iOS and Android. Platforms we have not confirmed are simply not listed here rather than ruled out.","source":"https://www.bill.com","question":"What platforms does Bill.com support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Bill.com, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://www.bill.com/blog/how-penetration-pricing-works","question":"Can Bill.com be self-hosted?","confidence":0.6},{"answer":"We have confirmed 23 integrations for Bill.com, including Oracle NetSuite, Google, Microsoft Azure, Okta, Auth0, Centrify, Apple Pay and Chase, plus 15 more. This is what we could verify from public sources, so the vendor may support others we have not indexed.","source":"https://www.bill.com","question":"What does Bill.com integrate with?","confidence":0.6},{"answer":"We have independently confirmed SOC 2 for Bill.com. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as Bill.com not holding them. Always confirm compliance directly before you rely on it.","source":"https://www.bill.com/security","question":"What security certifications does Bill.com have?","confidence":0.7},{"answer":"Bill.com is available worldwide. Its primary market is the United States. The vendor is headquartered in the United States.","source":"https://www.bill.com/blog/how-penetration-pricing-works","question":"Where is Bill.com available?","confidence":0.75}]` | `[{"answer":"A cloud-based platform that automates expense reporting, travel booking and management, and accounts payable processes. It leverages artificial intelligence to enforce spending policies, detect fraud, and provide visibility into organizational spending patterns. It is indexed under Expense & Procurement Software.","source":"https://www.concur.com/about/pricing","question":"What is SAP Concur?","confidence":0.6},{"answer":"SAP Concur does not publish its prices. Pricing is quoted on request, across 3 plans (Base, Plus and Premium), so the figure depends on your seat count and requirements. We record this as a pricing-transparency signal rather than guessing a number. Pricing changes often, so verify at source before relying on it.","source":"https://www.concur.com/about/pricing","question":"How much does SAP Concur cost?","confidence":0.6},{"answer":"We have confirmed browser-based access to SAP Concur. That is the extent of what we could verify from public sources, so it may well offer desktop or mobile clients we have not indexed.","source":"https://www.concur.com/about/pricing","question":"What platforms does SAP Concur support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for SAP Concur, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://www.concur.com/about/pricing","question":"Can SAP Concur be self-hosted?","confidence":0.6},{"answer":"We have confirmed 5 integrations for SAP Concur, including Xero, QuickBooks, Sage Intaact, NetSuite and ADP. This is what we could verify from public sources, so the vendor may support others we have not indexed.","source":"https://www.concur.com/about/pricing","question":"What does SAP Concur integrate with?","confidence":0.6},{"answer":"SAP Concur is available worldwide. Its primary market is the United States.","source":"https://www.concur.com/about/pricing","question":"Where is SAP Concur available?","confidence":0.5}]` |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | BILL is a financial operations platform that automates accounts payable, accounts receivable, and expense management across organizations. It integrates with accounting software and provides real-time visibility into cash flow and spending through centralized approval workflows and spend controls. | AI-driven spend management software that consolidates expense reporting, travel management, and invoice processing, with built-in compliance controls and integration capabilities designed to support multinational organizations. |
| features.capabilities | `{"sso_scim":true,"api_access":"full","ocr_capture":true,"procurement":"none","multi_entity":true,"ap_automation":true,"funding_model":"hybrid","pricing_model":"flat_subscription","spend_controls":true,"travel_booking":"integration","accounting_sync":"two_way","corporate_cards":"both","expense_reporting":true,"international_payments":true,"po_2_way_3_way_matching":true,"quickbooks_xero_smb_sync":true,"vendor_self_service_portal":true,"domestic_ach_check_printing":true,"multi_level_approval_workflows":true,"netsuite_sage_intacct_erp_sync":true,"global_cross_border_wire_payments":true,"ocr_invoice_capture_machine_learning":true}` | `{"api_access":"full","ocr_capture":true,"multi_entity":true,"ap_automation":true,"funding_model":"saas_fee","spend_controls":true,"travel_booking":"native","accounting_sync":"one_way","expense_reporting":true}` |
| integrations.count | 5 | 300 |
| integrations.list | `[{"name":"Oracle NetSuite"},{"name":"Google"},{"name":"Microsoft Azure"},{"name":"Okta"},{"name":"Auth0"},{"name":"Centrify"},{"name":"Google Pay"},{"name":"Apple Pay"},{"name":"Chase"},{"name":"Box"},{"name":"QuickBooks Online"},{"name":"QuickBooks Enterprise"},{"name":"QuickBooks Desktop"},{"name":"Sage Intacct"},{"name":"Xero"},{"name":"Microsoft Dynamics"},{"name":"Microsoft Dynamics 365"},{"name":"SAP"},{"name":"Acumatica"},{"name":"Workday"},{"name":"Oracle Fusion Cloud"},{"name":"Slack"},{"name":"Priceline"},{"name":"HRIS platforms"},{"name":"QuickBooks","native":true,"category":"accounting","direction":"bidirectional"},{"name":"Netsuite","native":true,"category":"accounting","direction":"bidirectional"},{"name":"Intacct","native":true,"category":"accounting","direction":"bidirectional"},{"name":"Visa","native":true,"category":"payments"}]` | `[{"name":"Xero"},{"name":"QuickBooks"},{"name":"Sage Intaact"},{"name":"NetSuite"},{"name":"ADP"}]` |
| market.availability | `{"primaryMarkets":["US"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` | `{"primaryMarkets":["US"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` |
| platform.support | `{"web":true}` | `{"web":true}` |
| pricing | `{"type":"hybrid","plans":[{"free":false,"name":"Essentials","description":"Per-user monthly plan for foundational accounts payable and receivable automation","contactSales":false},{"free":false,"name":"Team","description":"Per-user monthly plan with enhanced AP and AR features and multi-location support","contactSales":false},{"free":false,"name":"Corporate","description":"Per-user monthly plan with full features and tiered user roles including lower-cost approver access","contactSales":false},{"free":false,"name":"Enterprise","description":"Custom pricing solution for large or complex multi-entity organizations","contactSales":true},{"free":true,"name":"Spend & Expense","summary":"$0 per user per month","features":["Corporate cards (BILL Divvy Card)","Budget controls","Expense tracking","Credit line access ($1,000–$5M)"],"components":[{"kind":"fixed","amount":0,"period":"month","currency":"USD"}],"description":"Free software tier providing corporate card management, budget controls, and expense tracking with no per-user subscription cost","contactSales":false},{"free":false,"name":"Accountant Console","summary":"$49 per month","features":["Multi-client management","Reselling capabilities","NASBA-certified CPE training"],"components":[{"kind":"fixed","amount":49,"period":"month","currency":"USD"}],"description":"Platform for accounting firms to manage multiple client entities, resell AP/AR services, and earn continuing education credits","contactSales":false}],"summary":"Per-user monthly subscription for AP/AR (Essentials, Team, Corporate, Enterprise). Free Spend & Expense tier included. Additional per-transaction fees for checks, ACH, instant transfers, and international wire payments.","currency":"USD","freeTier":true,"sourceUrl":"https://www.bill.com/product/pricing","retrievedAt":"2026-10-07T15:29:08.136Z","startingPrice":{"amount":49,"period":"month","currency":"USD"},"billingPeriods":["month"]}` | `{"type":"quote","plans":[{"free":false,"name":"Base","summary":"$7 per report","features":["Concur Expense","Unlimited users"],"components":[{"per":{"qty":1,"unit":"report"},"kind":"per_unit","amount":7,"currency":"USD"}],"description":"Basic expense reporting for smaller businesses","contactSales":false},{"free":false,"name":"Plus","summary":"$11 per report","features":["ExpenseIt","User Support Desk","Reporting"],"components":[{"per":{"qty":1,"unit":"report"},"kind":"per_unit","amount":11,"currency":"USD"}],"description":"AI-powered features with enhanced support and reporting","contactSales":false},{"free":false,"name":"Premium","summary":"Custom pricing","features":["Concur Travel","Intelligence"],"description":"Advanced capabilities including travel management and intelligence tools","contactSales":true}],"summary":"From $7 per report. Custom pricing available for advanced plans.","currency":"USD","freeTier":false,"sourceUrl":"https://www.concur.com/about/pricing","retrievedAt":"2026-09-04T13:24:35.862Z","startingPrice":{"unit":"report","amount":7,"currency":"USD"},"billingPeriods":["month"]}` |
| pricing.free_tier | yes | no |
| pricing.model | freemium | quote |
| pricing.price_level | mid | low |
| pricing.starting_price | `{"amount":49,"currency":"USD"}` | `{"amount":7,"currency":"USD"}` |
| pricing.transparent | yes | no |
| reliability.status_page | - | yes |
| security.disclosure_policy | - | yes |
| security.pci | yes | - |
| security.soc2 | yes | - |
| security.trust_center | - | https://www.concur.com/campaigns/compliance-fraud |

## Capabilities (Expense & Procurement Software)

| Capability | Bill.com | SAP Concur |
|---|:--:|:--:|
| **Core** |  |  |
| Expense reporting | ✓ | ✓ |
| **Cards** |  |  |
| Corporate cards | Both | - |
| Real-time spend controls | ✓ | ✓ |
| **Payables** |  |  |
| AP automation (bill capture + pay) | ✓ | ✓ |
| Receipt / invoice OCR | ✓ | ✓ |
| International payments (ACH/wire/FX) | ✓ | - |
| **Procurement** |  |  |
| Procurement | None | - |
| **Travel** |  |  |
| Travel booking | Integration | Native |
| **Integration** |  |  |
| Accounting sync | Two-way | One-way |
| SSO / SCIM | ✓ | - |
| **Commercial** |  |  |
| Funding model | Hybrid | SaaS fee |
| Multi-entity / multi-currency | ✓ | ✓ |
| **Platform** |  |  |
| API access | Full | Full |

*Source: vioscaleAI. Generated 2026-10-16T19:18:42.768Z. "-" = undocumented, not absent.*