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Software · head to head

SAP Concur vs Stripe

SAP Concur logo

SAP Concur

Software

Travel, expense, and invoice management

From
$29/month
Rated
-
Full reviewWebsite
S

Stripe

Software

Financial infrastructure for the internet

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Stripe has a free tier, so it costs nothing to try first.
  • Each has a real cost: 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; Stripe requires developer setup and API integration for most use cases
  • They diverge on capability: SAP Concur covers Expense management, Stripe covers Payment processing.

Where they differ

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

Attributes where SAP Concur and Stripe differ
AttributeSAP ConcurStripe
Starting price$29/monthFree
Pricing modelsubscriptionUnknown
Free tierNoYes
Founded19932010

Identical on both: 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 SAP Concur

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

Only in Stripe

  • Payment processing
  • Subscription billing
  • Invoicing
  • Terminal (in-person payments)
  • Fraud prevention
  • 3D Secure
  • Global payouts
  • Financial reporting

What people use each for

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

SAP Concur

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

Stripe

  • Online paymentsnot SAP Concur
  • Subscription managementnot SAP Concur
  • Marketplace paymentsnot SAP Concur
  • Global expansionnot SAP Concur
  • Platform monetizationnot SAP Concur

Where each one falls short

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

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

Stripe

  • Requires developer setup and API integration for most use cases
  • Dispute fee of $15 per chargeback is standard industry cost
  • Limited offline payment capabilities

Pricing, plan by plan

SAP Concur

$29/month
  • Professional$8/month
    • Expense reporting
    • Receipt capture
    • Approvals
  • Premium$12/month
    • Travel booking
    • Invoice management
    • Analytics

Stripe

Free

No published plan breakdown. See the Stripe review.

Which should you pick?

Choose SAP Concur if

  • You need expense management.
  • You work on Web, Ios, Android.
  • You also want travel booking.
SAP Concur review

Choose Stripe if

  • You need payment processing.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want subscription billing.
Stripe review

Questions people ask

Is SAP Concur or Stripe better?
Neither clearly leads. SAP Concur starts at $29/month and Stripe at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, SAP Concur or Stripe?
Stripe has a free tier; the other does not. Paid plans start at $29/month for SAP Concur and Free for Stripe.
Does SAP Concur or Stripe run on more platforms?
SAP Concur runs on Web, Ios, Android. Stripe runs on Web, iOS, Android.
Can I use Stripe for free?
Yes. Stripe has a free tier, so you can try it without paying. SAP Concur starts at $29/month.
What is SAP Concur best used for?
SAP Concur is most often used for enterprise expense management, corporate travel, invoice processing. Of those, enterprise expense management and corporate travel are not what Stripe is typically brought in for.
What can SAP Concur do that Stripe cannot?
SAP Concur covers Expense management, Travel booking, Invoice processing, Spend analytics. Stripe covers Payment processing, Subscription billing, Invoicing, Terminal (in-person payments).

Answered from the vendors’ own pages

Stripe: What are Stripe's transaction fees?

Standard US rates are 2.9% plus 30 cents for online card payments, 2.7% plus 5 cents for in-person, 3.4% plus 30 cents for keyed/phone transactions, and 0.8% capped at $5 for ACH payments.

Source
Stripe: How many currencies and countries does it support?

Stripe accepts 135+ currencies and supports payment acceptance in 40+ countries through Stripe Connect, enabling sellers to onboard and receive payouts in minutes.

Source
Stripe: What payment methods are supported?

Stripe supports dozens of payment methods including credit/debit cards, ACH transfers, and local payment options, with additional support through partnerships with Meta and Google.

Source
Stripe: Are there monthly fees or contracts?

No. Stripe charges no monthly fees or contracts, only per-transaction fees and dispute fees, making costs fully transparent and variable.

Source
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