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Accounting & Finance · head to head

Melio vs SAP Concur

Melio logo

Melio

Accounting & Finance

Simple business payments

From
Free
Rated
-
Full reviewWebsite
SAP Concur logo

SAP Concur

Accounting & Finance

Travel, expense, and invoice management

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Only Melio has a free tier, so it costs nothing to try first.
  • Each has a real cost: Melio go (free) plan limited to one user only; 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: Melio covers Vendor payments, SAP Concur covers Expense management.

Where they differ

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

Attributes where Melio and SAP Concur differ
AttributeMelioSAP Concur
Starting priceFree$29/month
Pricing modelfreemiumsubscription
Free tierYesNo
PlatformsWeb, Mobile appWeb, Ios, Android
Founded20181993

Identical on both: 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 Melio

  • Vendor payments
  • Card to check
  • Payment scheduling
  • Approval workflows
  • QuickBooks sync
  • QuickBooks
  • Xero
  • FreshBooks

Only in SAP Concur

  • Expense management
  • Travel booking
  • Invoice processing
  • Spend analytics
  • Policy compliance
  • SAP
  • Oracle
  • Workday

Both cover

  • Web support
  • Ios support
  • Android support

What people use each for

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

Melio

  • Accounts payable automationnot SAP Concur
  • Bill management and payment schedulingnot SAP Concur
  • Multi-vendor payment processingnot SAP Concur
  • Invoice receivables and payment collectionnot SAP Concur

SAP Concur

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

Where each one falls short

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

Melio

  • Go (free) plan limited to one user only
  • ACH charges £0.50 per transaction beyond monthly allowance (5-50 free depending on plan)
  • Card payment fees range from 2.9% to 2.9% plus £75 maximum
  • International payments limited to select currencies only
  • NetSuite integration only available in Unlimited plan (£80/month minimum)

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

Melio

Free

No published plan breakdown. See the Melio review.

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 Melio if

  • You need vendor payments.
  • You want to start without paying.
  • You work on Web, Mobile app.
  • You also want card to check.
Melio 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 Melio or SAP Concur better?
Neither clearly leads. Melio starts at Free and SAP Concur at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Melio or SAP Concur?
Melio has a free tier; the other does not. Paid plans start at Free for Melio and $29/month for SAP Concur.
Does Melio or SAP Concur run on more platforms?
Melio runs on Web, Mobile app. SAP Concur runs on Web, Ios, Android.
Can I use Melio for free?
Yes. Melio has a free tier, so you can try it without paying. SAP Concur starts at $29/month.
What is Melio best used for?
Melio is most often used for accounts payable automation, bill management and payment scheduling, multi-vendor payment processing, invoice receivables and payment collection. Of those, accounts payable automation and bill management and payment scheduling are not what SAP Concur is typically brought in for.
What can Melio do that SAP Concur cannot?
Melio covers Vendor payments, Card to check, Payment scheduling, Approval workflows. SAP Concur covers Expense management, Travel booking, Invoice processing, Spend analytics. Both handle Web support, Ios support, Android support.
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