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Payroll · head to head

Mooncard vs SAP Concur

Mooncard logo

Mooncard

Payroll

French corporate card and expense management platform built on the Visa network

From
On request
Rated
-
Full reviewWebsite
SAP Concur logo

SAP Concur

Accounting

Enterprise travel booking, expense claims and supplier invoice processing sold as separate modules

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Mooncard pricing is entirely unpublished, so a company cannot budget or benchmark Mooncard against Payhawk or Extend without starting a sales process.; SAP Concur implementation is done through SAP or a partner and commonly costs a substantial multiple of the first year subscription, because the value sits entirely in the configured policy, approval hierarchy and ledger mapping rather than in the software as shipped.
  • They diverge on capability: Mooncard covers Configurable Visa cards, SAP Concur covers Expense capture.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

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

Attributes where Mooncard and SAP Concur differ
AttributeMooncardSAP Concur
Starting priceOn request$29/month
Pricing modelquotesubscription
CategoryPayrollAccounting
FoundedUnknown1993

Identical on both: free tier (No), platforms (Web, iOS, Android), user rating (Not yet rated).

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 Mooncard

  • Configurable Visa cards
  • Automated expense capture
  • Multi-entity premium tier
  • Accounting export
  • Flying Blue miles
  • Real-time spend visibility

Only in SAP Concur

  • Expense capture
  • Corporate card feeds
  • Policy engine
  • Approval routing
  • Travel booking
  • Travel agency integration
  • Duty of care
  • Invoice capture

What people use each for

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

Mooncard

  • A French business replacing an Amex corporate card programme with wider Visa merchant acceptancenot SAP Concur
  • A finance team automating VAT-compliant receipt capture instead of manual expense reportsnot SAP Concur
  • A group with several legal entities wanting consolidated card and expense visibilitynot SAP Concur
  • A company whose travellers want Flying Blue miles on corporate card spendnot SAP Concur

SAP Concur

  • A multinational with thousands of travellers where an audit committee has asked for evidence that travel policy is actually enforcednot Mooncard
  • An organisation replacing spreadsheet expense claims and email approvals that cannot survive an external auditnot Mooncard
  • A finance team trying to eliminate duplicate claims by matching corporate card feeds against submitted receiptsnot Mooncard
  • A shared service centre processing high volumes of supplier invoices that needs capture and approval routing before postingnot Mooncard

Where each one falls short

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

Mooncard

  • Pricing is entirely unpublished, so a company cannot budget or benchmark Mooncard against Payhawk or Extend without starting a sales process.
  • Its strongest support, integrations and merchant relationships are concentrated in France, and companies with most spend outside France or Europe get a thinner experience.
  • Being built specifically to displace Amex corporate cards, it has less of a track record and feature depth outside the expense and card niche compared with broader spend platforms like Payhawk.
  • Group and multi-entity functionality sits behind a separate premium tier, so a growing company may need to renegotiate its plan as it adds entities.
  • Marketing-driven positioning, including stunts such as the stratospheric payment demo, does not substitute for third-party benchmarking of actual transaction reliability at scale.

SAP Concur

  • Implementation is done through SAP or a partner and commonly costs a substantial multiple of the first year subscription, because the value sits entirely in the configured policy, approval hierarchy and ledger mapping rather than in the software as shipped.
  • Pricing is driven by transaction volume, expense reports and invoices processed, rather than by seats, so a business with seasonal travel or a growth year sees the bill move in ways headcount based budgeting does not predict.
  • The configuration that makes it valuable is also what makes it rigid, and organisations frequently find that changing an approval chain or adding a cost centre dimension requires a partner change order rather than an administrator's afternoon.
  • Contracts are typically multi year with limited exit, so an organisation that concludes after twelve months that a lighter expense tool would have been enough is still paying for the heavier one for the remainder of the term.
  • The three modules are licensed separately and the strongest case for the product depends on having travel, expense and card feeds together, so buying expense alone gives you a costly receipt system without the control loop that justifies the price.

Pricing, plan by plan

Mooncard

On request
  • Mooncard$undefined/month
    • Original offer with cards and expense management software
    • Premium tier for groups and multi-entity structures
    • Custom quote required, no published rate card

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 Mooncard if

  • You need configurable visa cards.
  • You work on Web, iOS, Android.
  • You also want automated expense capture.
Mooncard review

Choose SAP Concur if

  • You need expense capture.
  • You work on Web, Ios, Android.
  • You also want corporate card feeds.
SAP Concur review

Questions people ask

Is Mooncard or SAP Concur better?
Neither clearly leads. Mooncard starts at On request and SAP Concur at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mooncard or SAP Concur?
Mooncard starts at On request and SAP Concur at $29/month.
Does Mooncard or SAP Concur run on more platforms?
Mooncard runs on Web, iOS, Android. SAP Concur runs on Web, Ios, Android.
What is Mooncard best used for?
Mooncard is most often used for a french business replacing an amex corporate card programme with wider visa merchant acceptance, a finance team automating vat-compliant receipt capture instead of manual expense reports, a group with several legal entities wanting consolidated card and expense visibility, a company whose travellers want flying blue miles on corporate card spend. Of those, a french business replacing an amex corporate card programme with wider visa merchant acceptance and a finance team automating vat-compliant receipt capture instead of manual expense reports are not what SAP Concur is typically brought in for.
What can Mooncard do that SAP Concur cannot?
Mooncard covers Configurable Visa cards, Automated expense capture, Multi-entity premium tier, Accounting export. SAP Concur covers Expense capture, Corporate card feeds, Policy engine, Approval routing.

Answered from the vendors’ own pages

Mooncard: Is Mooncard only for France?

No, but its content, support and market presence are strongest in France; other European markets are served but less deeply.

SAP Concur: Do we need SAP ERP to use Concur?

No. It integrates with SAP systems particularly well but it is regularly deployed alongside Oracle, NetSuite, Workday and other ledgers. The integration work is a line item in the implementation either way.

Mooncard: Does Mooncard publish pricing?

No, quotes are provided directly by the Mooncard sales team based on company size and needs.

SAP Concur: Is it worth it for a company of a hundred people?

Usually not. Below a few hundred travellers the implementation cost and the contract commitment are hard to justify against lighter expense tools. The case turns on policy enforcement and audit, not on receipt scanning.

Mooncard: Which card network does it use?

Visa, which the company positions as giving broader merchant acceptance than the Amex network used by many incumbent French corporate cards.

SAP Concur: How is it priced?

Broadly on the volume of expense reports and invoices processed, with the modules licensed separately. Because pricing is quoted rather than published, get the volume assumptions written into the contract and check what happens when you exceed them.

SAP Concur: Can it handle multiple countries and currencies?

Yes, that is one of its stronger areas, including per country tax treatment and VAT reclaim identification. Confirm coverage for your specific countries during the sales process rather than assuming global means every jurisdiction.

SAP Concur: How long does implementation take?

Plan in months, not weeks, for anything beyond a single entity with simple approvals. Multi entity rollouts with travel and invoice modules commonly run across a year in phases.

SAP Concur: What does the audit service actually do?

It has a team review a sample or all of your submitted claims against receipts and policy before approval, which some organisations use in place of internal reviewers. It is priced separately from the expense subscription.

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