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Accounting & Finance · head to head

Plaid vs SAP Concur

Plaid logo

Plaid

Accounting & Finance

The safer way to connect financial accounts

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: Plaid no dollar amount is published for any product, and the pricing page states no per request rate or minimum commitment; 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: Plaid covers Bank account linking, SAP Concur covers Expense management.

Where they differ

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

Attributes where Plaid and SAP Concur differ
AttributePlaidSAP Concur
Pricing modelusage-basedsubscription
PlatformsApi, Web, Ios, AndroidWeb, Ios, Android
Founded20131993

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 Plaid

  • Bank account linking
  • Transaction data
  • Identity verification
  • Income verification
  • Asset reports
  • Venmo
  • Robinhood
  • Coinbase

Only in SAP Concur

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

Both cover

  • ISO 27001
  • Web support
  • Ios support
  • Android support

What people use each for

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

Plaid

  • Connecting bank accounts to an application for balances and transactionsnot SAP Concur
  • Verifying account ownership and income for payments or lendingnot SAP Concur

SAP Concur

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

Where each one falls short

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

Plaid

  • No dollar amount is published for any product, and the pricing page states no per request rate or minimum commitment
  • Three different billing models apply depending on the product, being one time per connected account, monthly per connected account, and per successful API call
  • That mix means total cost depends on which products are combined rather than on a single unit
  • Discounted rates require the Growth plan, which is a 12 month commitment

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

Plaid

$29/month
  • Pay-as-you-goFree
    • Bank connections
    • Transaction data
    • Account verification

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 Plaid if

  • You need bank account linking.
  • You work on Api, Web, Ios, Android.
  • You also want transaction data.
Plaid 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 Plaid or SAP Concur better?
Neither clearly leads. Plaid 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, Plaid or SAP Concur?
Plaid starts at $29/month and SAP Concur at $29/month.
Does Plaid or SAP Concur run on more platforms?
Plaid runs on Api, Web, Ios, Android. SAP Concur runs on Web, Ios, Android.
What is Plaid best used for?
Plaid is most often used for connecting bank accounts to an application for balances and transactions, verifying account ownership and income for payments or lending. Of those, connecting bank accounts to an application for balances and transactions and verifying account ownership and income for payments or lending are not what SAP Concur is typically brought in for.
What can Plaid do that SAP Concur cannot?
Plaid covers Bank account linking, Transaction data, Identity verification, Income verification. SAP Concur covers Expense management, Travel booking, Invoice processing, Spend analytics. Both handle ISO 27001, Web support, Ios support, Android support.
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