Payhawk vs SAP Concur
expense management head-to-head for ERP teams: evidenced capabilities, published pricing, and which ERPs each actually integrates with.
| Starting price | Quote-based | Quote-based |
| Deployment | Cloud | Cloud |
| Company size | Mid-market, Enterprise | Mid-market, Enterprise |
| Stated ERP integrations | NetSuite, SAP, Microsoft Dynamics 365, Sage Intacct, QuickBooks, Xero | SAP, NetSuite, Oracle Fusion Cloud, Microsoft Dynamics 365, QuickBooks |
| Vendor | Payhawk | SAP |
Our take
Where Payhawk leads
- Stronger evidenced coverage on 7 of the 29 capabilities where they differ (led by physical and virtual card issuance and real-time spend controls).
- Stated Sage Intacct, Xero integration the alternative doesn't list.
Where SAP Concur leads
- Stronger evidenced coverage on 22 of the 29 capabilities where they differ (led by out-of-policy flagging and fraud and anomaly detection).
- Stated Oracle Fusion Cloud integration the alternative doesn't list.
Where they differ
The 29 capabilities (of 47 in the expense management taxonomy) where the evidence separates them, biggest gaps first. “Not evidenced” means our research found no public documentation of this capability — the vendor may still offer it. Confirm on a demo.
| Capability | ||
|---|---|---|
| Physical and virtual card issuanceCorporate Card Management | Core strength Physical, virtual and team cards (Visa) | Not evidenced |
| Real-time spend controlsCorporate Card Management | Core strength Real-time spend controls and limits | Not evidenced |
| Multi-entity and international card issuanceCorporate Card Management | Core strength Multi-entity management | Not evidenced |
| Out-of-policy flaggingPolicy, Compliance & Fraud Controls | Not evidenced | Core strength Out-of-policy flagging on submission |
| Fraud and anomaly detectionPolicy, Compliance & Fraud Controls | Not evidenced | Core strength Fraud and duplicate detection via spend pattern analysis |
| Multi-level approval workflowsApproval Workflows | Not evidenced | Core strength Multi-level approval workflows |
| Integrated travel bookingTravel Management | Not evidenced | Core strength Integrated travel booking (Concur Travel) |
| Department / project budgetsBudgeting, Spend Visibility & Reporting | Core strength Shared team budgets | Not evidenced |
| Configurable analytics and reportingBudgeting, Spend Visibility & Reporting | Not evidenced | Core strength Configurable analytics (Concur Intelligence) |
| Third-party app marketplacePlatform, Administration & Integrations | Not evidenced | Core strength App Center marketplace with 900+ partners |
| Mobile app receipt captureExpense & Receipt Capture | Not evidenced | Supported Mobile receipt photo capture with OCR via ExpenseIt |
| Email-forwarded receipt captureExpense & Receipt Capture | Not evidenced | Supported Email-forwarded and e-receipt capture |
| Receipt itemizationExpense & Receipt Capture | Not evidenced | Supported Receipt itemization and categorization |
| Duplicate expense detectionExpense & Receipt Capture | Not evidenced | Supported Fraud and duplicate detection via spend pattern analysis |
| Per-card spend limits and merchant controlsCorporate Card Management | Supported Per-individual and per-team thresholds | Not evidenced |
| Card feed import and reconciliationCorporate Card Management | Not evidenced | Supported Corporate card feed import and matching |
| Audit trail and receipt verificationPolicy, Compliance & Fraud Controls | Not evidenced | Supported Audit rules and receipt verification |
| Delegate and proxy approvalsApproval Workflows | Not evidenced | Supported Delegate and proxy approvals |
| Multi-currency reimbursementReimbursement & Payouts | Not evidenced | Supported Multi-currency reimbursement support |
| Purchase order / request matchingAccounts Payable / Invoice Management | Not evidenced | Supported Purchase request and PO matching |
| Invoice approval routingAccounts Payable / Invoice Management | Not evidenced | Supported Invoice approval routing |
| Itinerary and trip-change managementTravel Management | Not evidenced | Supported Itinerary and trip management |
| Duty-of-care traveler trackingTravel Management | Not evidenced | Supported Duty-of-care and traveler tracking |
| Travel-to-expense linkageTravel Management | Not evidenced | Supported Automatic linkage of travel spend to expense reports |
| Real-time budget enforcementBudgeting, Spend Visibility & Reporting | Supported Real-time approval notifications to budget owners | Not evidenced |
| Real-time spend dashboardsBudgeting, Spend Visibility & Reporting | Not evidenced | Supported Spend dashboards and standard reports |
| Receipt OCR captureExpense & Receipt Capture | Supported OCR extraction from receipts in 60+ languages | Core strength Mobile receipt photo capture with OCR via ExpenseIt |
| Configurable expense policy rulesPolicy, Compliance & Fraud Controls | Supported Configurable spend policies and approval flows | Core strength Configurable expense policy rules |
| Supplier invoice capture and OCRAccounts Payable / Invoice Management | Core strength Invoice capture and OCR in many languages | Supported Invoice capture and digitization |
Both grade identically on the other 18 capabilities — see each product's full profile: Payhawk, SAP Concur.
Payhawk vs SAP Concur — FAQs
Is Payhawk or SAP Concur better for ERP integration?
Both state integrations with NetSuite, SAP, Microsoft Dynamics 365, QuickBooks. Payhawk additionally lists Sage Intacct, Xero. SAP Concur additionally lists Oracle Fusion Cloud. Always verify the connector against your ERP version with a reference customer.
Which is cheaper, Payhawk or SAP Concur?
Neither publishes a list price — both quote. Ask each for the all-in first-year cost at your seat count, as one number, and compare those.
Get pricing for both
Tell us your ERP, seat count and must-haves and we'll come back with an independent view of what Payhawk and SAP Concur should each cost you — and whether a third option belongs on your shortlist.