# Pleo vs SAP Concur

**Leader by Vioscale score:** Pleo

| Attribute | Pleo | SAP Concur |
|---|---|---|
| **Vioscale score** | 57.7 (73% (medium)) | 52.5 (53% (medium)) |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | Pleo streamlines business expense management by providing physical and virtual corporate cards with individual spending limits, automatic receipt capture, and real-time spend visibility. It eliminates manual expense reports and simplifies accounting by integrating with accounting software and automating 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,"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,"ap_automation":true,"funding_model":"saas_fee","spend_controls":true,"travel_booking":"native","accounting_sync":"one_way","expense_reporting":true}` |
| integrations.count | 11 | 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":[]}` | `{"hqCountry":"US","primaryMarkets":["US"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` |
| platform.support | `{"ios":true,"web":true,"android":true}` | `{"web":true}` |
| pricing | `{"type":"subscription","plans":[{"free":false,"name":"Starter","summary":"€4/month (annual billing) + €5/user/month additional. Includes up to 3 users max.","features":["Physical and virtual cards","Accounts payable","Real-time expense tracking","Automated expense notes","Accounting integrations","Chat support","1 supplier card","Up to €5,000 credit limit"],"minSeats":1,"commitment":"annual","components":[{"kind":"fixed","amount":4,"period":"month","currency":"EUR"},{"kind":"per_unit","unit":"seat","amount":5,"period":"month","currency":"EUR"}],"description":"Basic expense tracking with physical and virtual cards","contactSales":false},{"free":false,"name":"Essential","summary":"€18/month (annual) or €20/month (monthly) + €11/user/month additional (annual)","features":["All Starter features","Reimbursements","Mileage tracking","AI expense guidance","Flexible card limits","Up to 25 supplier cards","Automated approval processes","Recurring supplier tracking","Up to €20,000 credit limit"],"minSeats":1,"commitment":"monthly","components":[{"kind":"fixed","amount":18,"period":"month","currency":"EUR"},{"kind":"per_unit","unit":"seat","amount":11,"period":"month","currency":"EUR"}],"description":"Comprehensive expense and payables management with reimbursements","contactSales":false},{"free":false,"name":"Advanced","summary":"€99/month (annual) or €109/month (monthly) for 3 users + €15/user/month additional (annual)","features":["All Essential features","Cashback (0.5% for qualifying users)","Advanced card controls","Up to 100 supplier cards","Budget management","HRIS integrations","Advanced approval workflows","Up to €250,000 credit limit"],"minSeats":3,"commitment":"monthly","components":[{"kind":"fixed","amount":99,"period":"month","currency":"EUR"},{"kind":"per_unit","unit":"seat","amount":15,"period":"month","currency":"EUR"}],"description":"Advanced spend controls with budgets and approval workflows","contactSales":false},{"free":false,"name":"Business","summary":"From €249/month (annual). Custom pricing and features.","features":["All Advanced features","Multi-entity management","Premium integrations","AI expense review","Advanced supplier management","Cash management","Spend insights and advice","Setup assistance","Up to €500,000 credit limit"],"commitment":"annual","components":[{"kind":"fixed","amount":249,"period":"month","currency":"EUR"}],"description":"Enterprise solution with multi-entity management and premium integrations","contactSales":true}],"addOns":[{"name":"External accountant access","components":[{"kind":"fixed","amount":12,"period":"month","currency":"EUR"}]}],"summary":"From €4/month (Starter annual). Monthly and annual billing available for most plans.","currency":"EUR","freeTier":false,"sourceUrl":"https://www.pleo.io/es/pricing","retrievedAt":"2026-08-14T10:24:02.850Z","startingPrice":{"amount":4,"period":"month","currency":"EUR"},"billingPeriods":["month","year"]}` | `{"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 | no | no |
| pricing.model | commercial | commercial |
| pricing.price_level | low | low |
| pricing.transparent | yes | no |
| reliability.status_page | yes | yes |
| security.disclosure_policy | yes | yes |
| security.gdpr | yes | - |
| security.pci | yes | - |

## 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: Vioscale. Generated 2026-09-01T15:00:05.330Z. "-" = undocumented, not absent.*