# Pleo vs SAP Concur

| Attribute | Pleo | SAP Concur |
|---|---|---|
| **vioscaleAI score** | 55.2 (74% (medium)) | 53 (50% (medium)) |
| content.faq | `[{"answer":"A platform for managing company spending through employee and vendor cards with real-time controls, automated expense tracking, and seamless accounting integration. It is indexed under Expense & Procurement Software.","source":"https://www.pleo.io/","question":"What is Pleo?","confidence":0.6},{"answer":"Pleo is a paid product; published pricing starts at €4 per month. It is sold across 4 plans (Starter, Essential, Advanced and Business). There is no free tier. Prices are published openly on the vendor's own pricing page. Pricing changes often, so verify at source before relying on it.","source":"https://www.pleo.io/es/pricing","question":"How much does Pleo cost?","confidence":0.6},{"answer":"Pleo supports the web, iOS and Android. Platforms we have not confirmed are simply not listed here rather than ruled out.","source":"https://www.pleo.io/es/pricing","question":"What platforms does Pleo support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Pleo, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://www.pleo.io/es/pricing","question":"Can Pleo be self-hosted?","confidence":0.6},{"answer":"We have confirmed 10 integrations for Pleo, including Xero, Exact Online, Fetch, TravelPerk, Gmail, Outlook, Microsoft 365 and Apple Pay, plus 2 more. This is what we could verify from public sources, so the vendor may support others we have not indexed.","source":"https://www.pleo.io/","question":"What does Pleo integrate with?","confidence":0.6},{"answer":"We have independently confirmed GDPR for Pleo. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as Pleo not holding them. Always confirm compliance directly before you rely on it.","source":"https://www.pleo.io/es/trust-and-security","question":"What security certifications does Pleo have?","confidence":0.7},{"answer":"Pleo is available in Denmark, the United Kingdom, Sweden, Germany, Spain, Portugal, France and the Netherlands. Its primary markets are Denmark, the United Kingdom, Sweden, Germany and Spain. The vendor is headquartered in Denmark.","source":"https://www.pleo.io/es/pricing","question":"Where is Pleo 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 | Pleo allows companies to issue employee and vendor cards, manage bill payments, automatically track expenses, and synchronize transactions with accounting software. Pricing scales with team size and includes real-time spend controls and approval workflows. | 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,"ocr_capture":true,"procurement":"intake","multi_entity":true,"ap_automation":true,"funding_model":"hybrid","spend_controls":true,"travel_booking":"integration","accounting_sync":"two_way","corporate_cards":"both","expense_reporting":true,"international_payments":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 | 1 | 300 |
| integrations.list | `[{"name":"Xero"},{"name":"Exact Online"},{"name":"Fetch"},{"name":"TravelPerk"},{"name":"Perk"},{"name":"Gmail"},{"name":"Outlook"},{"name":"Microsoft 365"},{"name":"Apple Pay"},{"name":"Google Pay"},{"name":"Mastercard"}]` | `[{"name":"Xero"},{"name":"QuickBooks"},{"name":"Sage Intaact"},{"name":"NetSuite"},{"name":"ADP"}]` |
| market.availability | `{"hqCountry":"DK","primaryMarkets":["DK","GB","SE","DE","ES"],"availabilityScope":"regional","availableCountries":["DK","GB","SE","DE","ES","PT","FR","NL"],"notAvailableCountries":[]}` | `{"primaryMarkets":["US"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` |
| platform.support | `{"web":true}` | `{"web":true}` |
| pricing | `{"type":"subscription","plans":[{"free":false,"name":"Start","summary":"€8/user/month, €5 per receipt, €1.50 per payment, 2% FX","features":["Physical and virtual cards","Accounts payable","Real-time expense tracking","Automated expense reports","Accounting system integrations","Email support","1 subscription card"],"commitment":"monthly","components":[{"kind":"per_unit","unit":"user","amount":8,"period":"month","currency":"EUR"},{"per":{"qty":1,"unit":"receipt"},"kind":"metered","amount":5,"currency":"EUR"},{"per":{"qty":1,"unit":"payment"},"kind":"metered","amount":1.5,"currency":"EUR"},{"of":"fx_transaction","kind":"percentage","rate":2}],"contactSales":false,"includedLimits":{"credit_limit":"€5,000"}},{"free":false,"name":"Build","summary":"€14/user/month billed annually, €0.95 per payment after 10 free, 1.75% FX","features":["Flexible card limits","Up to 15 subscription cards","Approval workflows","Recurring vendor management","Cash management","Accounting automation","Organization management","10 free payments/month"],"commitment":"annual","components":[{"kind":"per_unit","unit":"user","amount":14,"period":"month","currency":"EUR"},{"per":{"qty":1,"unit":"payment"},"kind":"metered","amount":0.95,"currency":"EUR"},{"of":"fx_transaction","kind":"percentage","rate":1.75}],"contactSales":false,"includedLimits":{"credit_limit":"€20,000","subscription_cards":"15"}},{"free":false,"name":"Optimise","summary":"€18/user/month billed annually, €0.95 per payment after 20 free, 1.75% FX","features":["Spend insights","Advanced vendor management","Accounting automation","Organization management","20 free payments/month"],"commitment":"annual","components":[{"kind":"per_unit","unit":"user","amount":18,"period":"month","currency":"EUR"},{"per":{"qty":1,"unit":"payment"},"kind":"metered","amount":0.95,"currency":"EUR"},{"of":"fx_transaction","kind":"percentage","rate":1.75}],"contactSales":false,"includedLimits":{"credit_limit":"€100,000"}}],"summary":"From €8/user/month (monthly) or €14/user/month (annual). No free tier.","currency":"EUR","freeTier":false,"sourceUrl":"https://www.pleo.io/nl/pricing","retrievedAt":"2026-09-22T13:45:13.452Z","startingPrice":{"unit":"user","amount":8,"period":"month","currency":"EUR"},"billingPeriods":["month","year"]}` | `{"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 | no | no |
| pricing.model | commercial | quote |
| pricing.price_level | low | low |
| pricing.starting_price | `{"amount":8,"currency":"EUR"}` | `{"amount":7,"currency":"USD"}` |
| pricing.transparent | yes | no |
| reliability.status_page | yes | yes |
| security.disclosure_policy | yes | yes |
| security.gdpr | yes | - |
| security.pci | yes | - |
| security.trust_center | - | https://www.concur.com/campaigns/compliance-fraud |

## Capabilities (Expense & Procurement Software)

| Capability | Pleo | 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 | Intake | - |
| **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 |

*Source: vioscaleAI. Generated 2026-10-16T19:05:48.157Z. "-" = undocumented, not absent.*