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    Overview
    ProductRatingMost Used ByProduct SummaryStarting Price

    BILL Spend & Expense

    Score8.9 out of 10
    N/ABILL Spend and Expense (formerly Divvy) is an all-in-one expense management solution that combines free software with corporate cards to provide you with real-time visibility and customizable control over your business finances.

    $0

    SAP Concur

    Score8.3 out of 10
    N/ASAP Concur is a SaaS expense report management product, and handles corporate travel booking, expense report automation, reimbursement, audit, and business intelligence, and corporate card integration.

    $7

    per month

    Pricing
    BILL Spend & ExpenseSAP Concur
    Editions & Modules
    No answers on this topic
    Base
    $7.00
    per report (average price)
    Plus
    $11.00
    Offerings
    Pricing Offerings
    BILL Spend & ExpenseSAP Concur
    Free Trial
    YesYes
    Free/Freemium Version
    YesNo
    Premium Consulting/Integration Services
    YesNo
    Entry-level Setup FeeNo setup feeNo setup fee
    Additional DetailsBILL Spend & Expense is free for all users—
    More Pricing Information
    Community Pulse
    BILL Spend & ExpenseSAP Concur
    Considered Both Products
    BILL
    Chose BILL Spend & Expense
    Divvy was much more affordable (free) compared to Concur. It has all the functionally as Concur with a free, alternative solution. We selected Divvy because it helped us achieve three things; capture receipts, allow users to spend within their budgets, and set budgets to …
    Incentivized
    Chose BILL Spend & Expense
    We also researched other paid products (e.g. SAP Concur) and Divvy is far and beyond a better UI with all necessary features while they continue to improve and build out other fancy features.
    Incentivized
    SAP Concur
    Chose SAP Concur
    Divvy, while working in a similar space doesn't work well for larger enterprise roll out. Divvy requires a very hands on approach from manager to employee - for instance, each Divvy card limit is set by the manager. The employee can request an increase on the fly if they need …
    Incentivized
    Chose SAP Concur
    UI is better
    Incentivized
    Chose SAP Concur
    The Concur platform is used by several government agencies that have much stricter guidelines than private companies. Concur is part of SAP and therefore has access to a large support network. Concur is always hosting training meetings to ensure that its users are taking full …
    Incentivized
    Chose SAP Concur
    Concur has more robust reporting, better support, and is easier to use.
    Incentivized
    Key User Insights
    Would buy again
    100%
    Would buy again
    11 Answers
    94%
    Would buy again
    732 Answers
    Delivers good value for the price
    100%
    Delivers good value for the price
    11 Answers
    95%
    Delivers good value for the price
    586 Answers
    Happy with the feature set
    100%
    Happy with the feature set
    11 Answers
    95%
    Happy with the feature set
    738 Answers
    Lived up to sales and marketing promises
    89%
    Lived up to sales and marketing promises
    8 Answers
    93%
    Lived up to sales and marketing promises
    385 Answers
    Implementation went as expected
    100%
    Implementation went as expected
    9 Answers
    94%
    Implementation went as expected
    419 Answers
    Features
    BILL Spend & ExpenseSAP Concur
    Expense Management
    Comparison of Expense Management features of BILL Spend & Expense and SAP Concur
    Feature
    BILL Spend & Expense
    9.2
    8 Ratings
    10% above category average
    SAP Concur
    8.4
    564 Ratings
    1% above category average
    Employee Expense Reporting8.86 Ratings8.4556 Ratings
    Corporate Card Reconciliation9.67 Ratings8.3420 Ratings
    Payment Management
    Comparison of Payment Management features of BILL Spend & Expense and SAP Concur
    Feature
    BILL Spend & Expense
    8.9
    7 Ratings
    11% above category average
    SAP Concur
    8.2
    495 Ratings
    2% above category average
    Customizable Approval Policies9.37 Ratings8.2434 Ratings
    Financial Document Management9.27 Ratings8.5369 Ratings
    Payment Status Tracking8.94 Ratings8.6429 Ratings
    Payment Audit Trail9.75 Ratings8.3400 Ratings
    Duplicate Bill Detection7.43 Ratings7.6358 Ratings
    Advanced OCR8.73 Ratings8.2313 Ratings
    Electronic Funds Transfer9.25 Ratings8.4287 Ratings
    Best Alternatives
    BILL Spend & ExpenseSAP Concur
    Small Businesses
    Brex
    Score9 out of 10
    Brex
    Score9 out of 10
    Medium-sized Companies
    Expensify
    Score9 out of 10
    Expensify
    Score9 out of 10
    Enterprises
    Emburse Expense Enterprise (formerly Chrome River)
    Score8.3 out of 10
    Emburse Expense Enterprise (formerly Chrome River)
    Score8.3 out of 10
    All AlternativesView all alternativesView all alternatives
    User Ratings
    BILL Spend & ExpenseSAP Concur
    Likelihood to Recommend
    8.8
    (18 ratings)
    8.3
    (1014 ratings)
    Likelihood to Renew
    -
    (0 ratings)
    8.4
    (48 ratings)
    Usability
    9.5
    (7 ratings)
    8.2
    (244 ratings)
    Availability
    -
    (0 ratings)
    8.3
    (16 ratings)
    Performance
    -
    (0 ratings)
    6.8
    (13 ratings)
    Support Rating
    8.6
    (2 ratings)
    7.8
    (45 ratings)
    In-Person Training
    -
    (0 ratings)
    5.9
    (7 ratings)
    Online Training
    -
    (0 ratings)
    8.2
    (6 ratings)
    Implementation Rating
    -
    (0 ratings)
    7.9
    (16 ratings)
    Configurability
    -
    (0 ratings)
    8.1
    (10 ratings)
    Ease of integration
    -
    (0 ratings)
    8.1
    (63 ratings)
    Product Scalability
    -
    (0 ratings)
    8.9
    (62 ratings)
    Vendor post-sale
    -
    (0 ratings)
    6.0
    (9 ratings)
    Vendor pre-sale
    -
    (0 ratings)
    5.6
    (10 ratings)
    User Testimonials
    BILL Spend & ExpenseSAP Concur
    Likelihood to Recommend
    BILL
    There is a lot of functionality available for any company, and when you combine it with their A/P processing software, I'm sure the value of the software only increases. If you don't look back through your credit card receipts often, or don't have a lot of volume, the receipts not uploading into the accounting software isn't as much of an issue. For us, with roughly $200k of credit card spending each month, it became an issue. The rewards program was hard for us to take advantage of also, mostly because of our spending being spread across multiple companies. Even though we had everything set up together as one business, they still recognized each one as it's own, with it's own rewards requirements. I wouldn't deter anyone from going with Bill Spend & Expense, it's a solid program with a lot of capability, there are just a few small items that mattered to us more than the capabilities we take advantage of.
    Incentivized
    Read full review
    SAP Concur
    Most other products don't offer solutions for US statutory compliance. Concur handles it natively by localizing legal requirements and VAT reclamation. Another key benefit is that it enforces formal authorizations before an employee can even book a ticket. It can also enforce strict spending caps and mandatory justification for specific fields.
    Incentivized
    Read full review
    Pros
    BILL
    • Divvy does purchases very well. Getting money into the hands of those who need it, when they need it.
    • Budgeting is a breeze because card holders can only spend what is in their specific budget or on their card.
    • Customer support is usually pretty quick to respond
    Incentivized
    Read full review
    SAP Concur
    • Self service and easy to navigate
    • Available on all mobile devices
    • Provides travel options such as airlines for the destination with several options
    • Automatically define check in and check out dates and time for hotels
    • Reminds users to book other travel related activities
    Incentivized
    Read full review
    Cons
    BILL
    • I wish there were more options in the BILL reimbursement platform - for example, the ability to do a report instead of submit a single expense.
    • We would love for reimbursements to feed into QuickBooks differently, but we understand that this is an early feature and hope it is further developed in the future.
    Read full review
    SAP Concur
    • It is not very straightforward on how to add in loyalty programs. I've had several instances where my loyalty programs don't carry through with my booking
    • Expense reports are tedious to build, especially when you have several expenses to enter from a company trip
    • The new AI functions for reading uploaded receipts has never worked for me, requiring me to do it manually anyways
    Incentivized
    Read full review
    Likelihood to Renew
    BILL
    No answers on this topic
    SAP Concur
    Now that we are fully on Concur, switching is not an option. Concur has become ingrained in our expense reporting process. Furthermore, Concur continues to improve its offering. Each month, they release updates and changes, many of which were client requested. Concur's constant evolution means it is adapting with my business
    Incentivized
    Read full review
    Usability
    BILL
    The Divvy card provides convenience and flexibility for Finance to manage and monitor each user's transactions at any time. User can issue many virtual cards for different purposes. Transactions can be easily approved. Since we can monitor transaction closely, fraud can be prevented effectively. Mobile app is user friendly and safe.
    Incentivized
    Read full review
    SAP Concur
    I think it is very easy to use, especially once you are acquainted with it. I think the UX could be improved so some things, like accessing old reports, are more intuitive once you learn it though it is not difficult to replicate.
    Incentivized
    Read full review
    Reliability and Availability
    BILL
    No answers on this topic
    SAP Concur
    In prior years I would have given them a 9.5 for availability. Unfortunately in 2015 so far this rating has dropped to a 7 overall.
    We have experienced far too many interruptions - from admins to employees who rely on it for day to day booking of travel and submission of expense reports. Server errors, slow system response time and spinning wheels are too common place. Those things should be a rare occurrence, not a daily interruption.

    While Conur still has great product offerings overall, they are currently not offering world class or best in class product (and customer service) availability. Remaining hopeful they step up and get their A game going again soon.
    Incentivized
    Read full review
    Performance
    BILL
    No answers on this topic
    SAP Concur
    Performance-wise, it's good, loads pages quickly, and reports are highly accurate and easy to understand. Also, we can generate custom reports as needed, and we have integrated with a few other apps, and we have not seen any downgrade in performance.
    Incentivized
    Read full review
    Support Rating
    BILL
    We have enjoyed using Divvy and its functions. The Divvy team has been great, and their support team is outstanding. They have a chatbox on the platform, and they only seem to be someone on call. I have found its benefits to be outstanding, that I recommend it to my clients. I also feel that Divvy rolling out new features only makes it more compelling to stay on as a user.
    Incentivized
    Read full review
    SAP Concur
    I have never had to use customer support when using Concur Expense - the UX could be a bit nicer on the eyes or easier to understand, but there have never been any problems when using Concur Expense that I have had to ask or reach out to customer support to help me with anything.
    Incentivized
    Read full review
    In-Person Training
    BILL
    No answers on this topic
    SAP Concur
    My Seniors were the ones who taught me about Concur. Concur Support team has sent me training links and answered me in their tickets too. Usually they are helpful and knows their stuff. There are times when webex meetings is conducted for reporting training. They were very patient and took down all the details from me.
    Incentivized
    Read full review
    Online Training
    BILL
    No answers on this topic
    SAP Concur
    The person on the online training was very through and helped us with all questions. The trainer was excellent—very knowledgeable, engaging, and easy to understand. If you'd like, I can tailor it for a formal evaluation or add specific strengths
    Incentivized
    Read full review
    Implementation Rating
    BILL
    No answers on this topic
    SAP Concur
    There are different implementation teams for each module of the product you purchase, so implementation is not a 'one size fits all' environment. Also, the different implementation teams have different ways of doing things, so Concur could stand some standardization and streamlining in this area. A Project Manager can make or break an implementation so don't be scared to ask for a new one if things are rocky.
    Incentivized
    Read full review
    Alternatives Considered
    BILL
    Nothing out there compares to the agility and ease of use of Divvy. Adoption by those most resistant to any expense reporting tool has always been the #1 painpoint to all other such software. Divvy takes the pain away even for creatives and salespeople!
    Incentivized
    Read full review
    SAP Concur
    Expensify and Zoho Expense work for small and mid-size businesses. Big multinationals do not receive benefits from the apps. Coupa is good as a solution for organizations with non-SAP leading systems. If you plan to use SAP ERP as the main/lending system then SAP Concur is the best solution, mainly for its native integration with SAP ecosystem.
    Incentivized
    Read full review
    Scalability
    BILL
    No answers on this topic
    SAP Concur
    This program has been very helpful, user friendly and has been a great asset to use to assist with time management. Not only are leadership involved with using this program but all staff as well. This is also a great way to hold each accountable. Easy startup with not many means for hands on training
    Incentivized
    Read full review
    Return on Investment
    BILL
    • Divvy is free, so it was tough for us to turn down. We decided to withhold our larger transactions from Divvy to receive those rewards directly.
    • Divvy has saved our Finance/Accounting team tons of time digging through expenses, reimbursements, invoices, etc.
    Incentivized
    Read full review
    SAP Concur
    • It makes the entire process of expense management crystal clear and thus helps in maintaining the trust of the employees, and thereby having good rapport of the company among the employees.
    • It helps in detecting the duplicate bills, thereby saving lots of money of the company.
    • It also helps in payment audits and thereby it helps in improving the overall process.
    Incentivized
    Read full review
    ScreenShots

    BILL Spend & Expense Screenshots

    Screenshot of Company Dashboard - High level overview of a business's available credit and current spending.Screenshot of Mobile Wallet - Spend Smarter™ - To manage budgets and expenses on the goScreenshot of Budget Detail - For monitoring business budgetsScreenshot of Insights - Real-time visibilityScreenshot of Transactions - Displays a complete list of all transactions and their current status on a business's physical and virtual cards.

    SAP Concur Screenshots

    Screenshot of a picture of a receipt snapped from a smartphoneScreenshot of analytics from SAP ConcurScreenshot of the integrated travel and expense applicationScreenshot of the SAP Concur mobile app