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Accounting & Finance · head to head

Adyen vs SAP Concur

Adyen logo

Adyen

Accounting & Finance

The payments platform built for growth

From
$29/month
Rated
-
Full reviewWebsite
SAP Concur logo

SAP Concur

Accounting & Finance

Travel, expense, and invoice management

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Adyen there is a minimum monthly invoice, set by industry and business model and only disclosed through the sales team, so small volumes are not economic; SAP Concur listed on UK G-Cloud 14 at £0.21 to £9.70 per unit for SAP Concur Travel & Expense Professional Edition, submitted directly by SAP Concur, with the unit and billing period not further defined on the listing
  • They diverge on capability: Adyen covers Payment processing, SAP Concur covers Expense management.

Where they differ

Only the attributes on which Adyen and SAP Concur actually diverge.

Attributes where Adyen and SAP Concur differ
AttributeAdyenSAP Concur
Pricing modelusage-basedsubscription
PlatformsWeb, Api, PosWeb, Ios, Android
Founded20061993

Identical on both: starting price ($29/month), free tier (No), user rating (Not yet rated), category (Accounting & Finance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Adyen

  • Payment processing
  • Risk management
  • Unified commerce
  • Issuing
  • Platform payments
  • Salesforce
  • PCI DSS Level 1
  • SOC 2

Only in SAP Concur

  • Expense management
  • Travel booking
  • Invoice processing
  • Spend analytics
  • Policy compliance
  • Workday
  • SOC 1/2
  • ISO 27001

Both cover

  • SAP
  • Oracle
  • Web support

What people use each for

The jobs each tool is most often brought in to do.

Adyen

  • Card acquiring with interchange plus pricing for larger merchantsnot SAP Concur
  • Accepting local payment methods across multiple countriesnot SAP Concur
  • Settling in several currencies through linked bank accountsnot SAP Concur
  • Unified online and in-person paymentsnot SAP Concur

SAP Concur

  • Enterprise expense managementnot Adyen
  • Corporate travelnot Adyen
  • Invoice processingnot Adyen

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Adyen

  • There is a minimum monthly invoice, set by industry and business model and only disclosed through the sales team, so small volumes are not economic
  • Published fees are indicative rather than a rate card, with real pricing negotiated
  • Interchange++ means the card cost varies per transaction rather than being a single predictable percentage
  • Alternative payment methods carry their own rates on top, such as 3.3 percent plus $0.10 for American Express in North America

SAP Concur

  • Listed on UK G-Cloud 14 at £0.21 to £9.70 per unit for SAP Concur Travel & Expense Professional Edition, submitted directly by SAP Concur, with the unit and billing period not further defined on the listing

Pricing, plan by plan

Adyen

$29/month
  • CustomFree
    • Payment processing
    • Risk management
    • Unified commerce

SAP Concur

$29/month
  • Professional$8/month
    • Expense reporting
    • Receipt capture
    • Approvals
  • Premium$12/month
    • Travel booking
    • Invoice management
    • Analytics

Which should you pick?

Choose Adyen if

  • You need payment processing.
  • You work on Web, Api, Pos.
  • You also want risk management.
Adyen review

Choose SAP Concur if

  • You need expense management.
  • You work on Web, Ios, Android.
  • You also want travel booking.
SAP Concur review

Questions people ask

Is Adyen or SAP Concur better?
Neither clearly leads. Adyen starts at $29/month and SAP Concur at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or SAP Concur?
Adyen starts at $29/month and SAP Concur at $29/month.
Does Adyen or SAP Concur run on more platforms?
Adyen runs on Web, Api, Pos. SAP Concur runs on Web, Ios, Android.
What is Adyen best used for?
Adyen is most often used for card acquiring with interchange plus pricing for larger merchants, accepting local payment methods across multiple countries, settling in several currencies through linked bank accounts, unified online and in-person payments. Of those, card acquiring with interchange plus pricing for larger merchants and accepting local payment methods across multiple countries are not what SAP Concur is typically brought in for.
What can Adyen do that SAP Concur cannot?
Adyen covers Payment processing, Risk management, Unified commerce, Issuing. SAP Concur covers Expense management, Travel booking, Invoice processing, Spend analytics. Both handle SAP, Oracle, Web support.
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