# Bill.com vs SAP Concur

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

| Attribute | Bill.com | SAP Concur |
|---|---|---|
| **Vioscale score** | 58.6 (55% (medium)) | 52.5 (53% (medium)) |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | A comprehensive platform that automates accounts payable, accounts receivable, employee spending, and expense reporting on a single integrated system. Features include corporate cards, budget controls, invoice OCR, accounting software integration, and international payment capabilities, with built-in AI for transaction categorization and approval workflows. | An AI-powered software solution that handles corporate spending workflows including receipt capture, expense approval, travel booking, and invoice management, with integrations to accounting systems and real-time compliance oversight. |
| 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,"ap_automation":true,"funding_model":"saas_fee","spend_controls":true,"travel_booking":"native","accounting_sync":"one_way","expense_reporting":true}` |
| integrations.count | 100 | 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":"Xero"},{"name":"QuickBooks"},{"name":"Sage Intaact"},{"name":"NetSuite"},{"name":"ADP"}]` |
| market.availability | `{"hqCountry":"US","primaryMarkets":["US"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` | `{"hqCountry":"US","primaryMarkets":["US"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` |
| platform.support | `{"ios":true,"web":true,"android":true}` | `{"web":true}` |
| pricing | `{"type":"subscription","plans":[{"free":true,"name":"Free","summary":"Free. All ERP integrations included.","features":["Corporate cards (physical and virtual)","Expense reporting and reimbursements","Bill pay","Travel bookings","Basic approval workflows","QuickBooks and Xero sync (free tier)"],"components":[{"kind":"fixed","amount":0,"period":"month","currency":"USD"}],"description":"Includes corporate cards, expenses, bill pay, and travel","contactSales":false}],"addOns":[{"name":"Intelligent Audit"},{"name":"Verify"}],"summary":"Free tier with corporate cards and bill pay. Paid tiers available with advanced features and additional ERP integrations.","currency":"USD","freeTier":true,"sourceUrl":"https://www.bill.com/blog/how-penetration-pricing-works","retrievedAt":"2026-08-24T22:40:16.539Z","billingPeriods":["month"]}` | `{"type":"usage","plans":[{"free":false,"name":"Base","summary":"~$7 per report, unlimited users","features":["Automate spend processes","Manage company spend","Improve policy compliance","Customizable administrator controls","Analytics and reporting","Reimburse employees faster","Intuitive user experience"],"components":[{"per":{"qty":1,"unit":"report"},"kind":"metered","amount":7,"currency":"USD"}],"contactSales":false},{"free":false,"name":"Plus","summary":"~$11 per report, unlimited users","features":["Automate spend processes","Manage company spend","Improve policy compliance","Customizable administrator controls","Analytics and reporting","Reimburse employees faster","Intuitive user experience","Enhanced AI capabilities with Joule","Personalize AI travel recommendations","Manage business travel","Book directly with travel suppliers","Travel configuration with country support","Visibility to travel spend across channels"],"components":[{"per":{"qty":1,"unit":"report"},"kind":"metered","amount":11,"currency":"USD"}],"contactSales":false},{"free":false,"name":"Premium","summary":"Custom pricing, unlimited users","features":["Concur Expense","Concur Travel","Concur Invoice","ExpenseIt","User Support Desk","Reporting","Intelligence"],"contactSales":true}],"summary":"From ~$7 per report (usage-based pricing; higher tiers and Premium require quote)","currency":"USD","freeTier":false,"sourceUrl":"https://www.concur.com/about/pricing","retrievedAt":"2026-08-14T15:31:35.327Z","startingPrice":{"amount":7,"period":"month","currency":"USD"}}` |
| pricing.free_tier | yes | no |
| pricing.model | freemium | commercial |
| pricing.price_level | low | low |
| pricing.transparent | no | no |
| reliability.status_page | - | yes |
| security.disclosure_policy | - | yes |
| security.pci | yes | - |
| security.soc2 | yes | - |

## 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: Vioscale. Generated 2026-09-01T15:17:35.266Z. "-" = undocumented, not absent.*