Softwr

Accounting · head to head

Pleo vs SAP Concur

Pleo logo

Pleo

Accounting

Smart company cards for forward-thinking teams

From
£9.5/month
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: Pleo card delays and transaction limits impact usability, with limited regional acceptance in some areas; 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: Pleo covers Company cards, SAP Concur covers Expense capture.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

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

Attributes where Pleo and SAP Concur differ
AttributePleoSAP Concur
Starting price£9.5/month$29/month
Pricing modelUnknownsubscription
PlatformsiOS, Android, WebWeb, Ios, Android
Founded20151993

Identical on both: free tier (No), user rating (Not yet rated), category (Accounting).

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 Pleo

  • Company cards
  • Receipt capture
  • Expense categorization
  • Spend limits
  • Accounting sync
  • Xero
  • QuickBooks
  • Sage

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.

Pleo

  • Employee expensesnot SAP Concur
  • Spending autonomynot SAP Concur
  • Expense automationnot SAP Concur

SAP Concur

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

Where each one falls short

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

Pleo

  • Card delays and transaction limits impact usability, with limited regional acceptance in some areas
  • Receipt capture OCR inaccuracies and upload lag/glitches complicate expense categorization
  • Limited expense categories and tags reduce flexibility for complex accounting structures
  • Transaction approval workflows have minimal customization options
  • Lacks in-built forecasting tools and reporting is basic, providing limited insights into trends

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

Pleo

£9.5/month
  • Starter$9.5/month
    • Company cards
    • Real-time expense tracking
    • Automated reports
  • Essential$39/month
    • Reimbursements
    • Mileage and per diem
    • Vendor cards
  • Advanced$89/month
    • Cashback
    • Budgets
    • Multi-entity management
  • Beyond$179/month
    • Spending insights
    • Sub-wallets
    • Dedicated success manager

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 Pleo if

  • You need company cards.
  • You work on iOS, Android, Web.
  • You also want receipt capture.
Pleo 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 Pleo or SAP Concur better?
Neither clearly leads. Pleo starts at £9.5/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, Pleo or SAP Concur?
Pleo starts at £9.5/month and SAP Concur at $29/month.
Does Pleo or SAP Concur run on more platforms?
Pleo runs on iOS, Android, Web. SAP Concur runs on Web, Ios, Android.
What is Pleo best used for?
Pleo is most often used for employee expenses, spending autonomy, expense automation. Of those, employee expenses and spending autonomy are not what SAP Concur is typically brought in for.
What can Pleo do that SAP Concur cannot?
Pleo covers Company cards, Receipt capture, Expense categorization, Spend limits. SAP Concur covers Expense capture, Corporate card feeds, Policy engine, Approval routing.

Answered from the vendors’ own pages

Pleo: What are Pleo's pricing tiers?

Pleo offers four pricing tiers: Starter (GBP 9.50/month), Essential (GBP 39.00/month), Advanced (GBP 89.00/month), and Beyond (GBP 179.00/month). Annual billing provides equivalent of two free months.

Source
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.

Pleo: Does Pleo have a free tier?

No, Pleo does not offer a free tier or permanent free plan. All plans require payment with a free trial available for evaluation.

Source
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.

Pleo: What integrations does Pleo support for accounting?

Pleo integrates directly with Xero and QuickBooks, plus Sage 200, Sage 50, Microsoft Dynamics 365 Business Central, Datev, and Visma e-conomic. Zapier integrations are also available.

Source
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.

Pleo: What platforms can access Pleo?

Pleo is accessible via iOS and Android mobile apps, and through a web interface. Physical and virtual cards are issued for spending.

Source
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.

Pleo: Does Pleo support multiple currencies?

Yes, Pleo supports multi-currency spending and transactions. The platform is particularly strong for European teams with local payment methods.

Source
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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