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Software · head to head

Payoneer vs SAP Concur

Payoneer logo

Payoneer

Software

One account. Infinite opportunities.

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

SAP Concur

Software

Travel, expense, and invoice management

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Payoneer an annual account fee of $29.95 USD applies if the account receives less than $6,000 USD in any 12 consecutive months; 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: Payoneer covers Receive payments, SAP Concur covers Expense management.

Where they differ

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

Attributes where Payoneer and SAP Concur differ
AttributePayoneerSAP Concur
Pricing modelusage-basedsubscription
Founded20051993

Identical on both: starting price ($29/month), free tier (No), platforms (Web, Ios, Android), user rating (Not yet rated), category (Unknown).

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 Payoneer

  • Receive payments
  • Multi-currency accounts
  • Working capital
  • Mass payouts
  • Marketplace integrations
  • Amazon
  • Fiverr
  • Upwork

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.

Payoneer

  • Receiving marketplace and platform payouts as a freelancer or sellernot SAP Concur
  • Holding receiving accounts in several currenciesnot SAP Concur
  • Paying suppliers and withdrawing to a local bank accountnot SAP Concur

SAP Concur

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

Where each one falls short

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

Payoneer

  • An annual account fee of $29.95 USD applies if the account receives less than $6,000 USD in any 12 consecutive months
  • The Payoneer card carries a $29.95 USD annual fee and $12.95 USD for a replacement
  • Converting between Payoneer balances in different currencies costs 0.50%
  • Receiving into a non local currency receiving account costs 1%, minimum $1.00 USD
  • Receiving by credit card costs up to 3.99% plus $0.49 USD
  • Withdrawing to a bank in the recipient's local currency costs 1.2% to 4%
  • ATM withdrawals cost $3.15 USD plus up to 1.8%, rising to 3.5% when currency is converted
  • Card purchases requiring conversion cost up to 3.5%

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

Payoneer

$29/month
  • StandardFree
    • Receive payments
    • Multi-currency
    • Marketplace connections

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 Payoneer if

  • You need receive payments.
  • You work on Web, Ios, Android.
  • You also want multi-currency accounts.
Payoneer 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 Payoneer or SAP Concur better?
Neither clearly leads. Payoneer 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, Payoneer or SAP Concur?
Payoneer starts at $29/month and SAP Concur at $29/month.
Does Payoneer or SAP Concur run on more platforms?
Both run on Web, Ios, Android, so platform support will not decide this one for you.
What is Payoneer best used for?
Payoneer is most often used for receiving marketplace and platform payouts as a freelancer or seller, holding receiving accounts in several currencies, paying suppliers and withdrawing to a local bank account. Of those, receiving marketplace and platform payouts as a freelancer or seller and holding receiving accounts in several currencies are not what SAP Concur is typically brought in for.
What can Payoneer do that SAP Concur cannot?
Payoneer covers Receive payments, Multi-currency accounts, Working capital, Mass payouts. SAP Concur covers Expense management, Travel booking, Invoice processing, Spend analytics. Both handle Web support, Ios support, Android support.
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