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Side-by-side record

PayPal Payments Pro vs. SAP Concur

A side-by-side view of the product records we have today. Use it to narrow the question, then confirm current pricing, limits, and security details with each vendor.

The short version

PayPal Payments Pro starts at $0 per seat, versus SAP Concur at $7. PayPal Payments Pro carries the higher aggregate rating (9.5/5 vs 4.3/5).

Full comparison

PayPal Payments Profrom $0 per month
SAP Concurfrom $7 per report / month
Audyense Score29AS*Low77ASStrong
PositioningPayPal Payments Pro is a payment processing solution built on PayPal’s technology that enables online merchants and businesses to accept credit card payments online as well aIntegrated travel, expense, and invoice management that automates spending from booking to reimbursement.
Free tierYesNo
DeploymentCloud / SaaSCloud / SaaS
Best fitStartup, SMB, Mid-marketSMB, Mid-market, Enterprise
Pricing plans
  • Free or entry planFree
  • Higher tiersCustom pricing
  • Standard Edition$7
  • Professional EditionCustom pricing
Accept PayPal paymentsYesDocumented in the independently researched profile.—
Accept VisaYesDocumented in the independently researched profile.—
Mastercard and American ExpressYesDocumented in the independently researched profile.—
Virtual TerminalYesDocumented in the independently researched profile.—
Accept payments in 25 currencies from 202 countriesYesDocumented in the independently researched profile.—
Payment GatewayYesDocumented in the independently researched profile.—
Options to simplify PCI compliance.YesDocumented in the independently researched profile.—
General ledger & accounting—PartialNo native general ledger; posts expense data to ERP/GL via connectors.
Accounts payable & bill pay—YesConcur Invoice automates AP invoice capture, approval, and payment.
AI features—YesAI audit (Concur Detect) and ExpenseIt receipt-to-expense OCR.
Bank reconciliation—PartialMatches corporate card feed transactions to expenses, not full bank reconciliation.
Corporate cards—YesIntegrates corporate card feeds from major issuers like American Express.
Expense management—YesCore product: capture, submit, approve, and reimburse employee expenses.
Financial reporting—PartialSpend analytics and dashboards for T&E, not full financial statements.
Invoicing & billing—PartialHandles inbound AP supplier invoices; not customer billing/AR.
Multi-currency—YesSupports multiple currencies for global travel and expense.
Public API—YesPublic REST APIs available via developer.concur.com.
Integrations verified—200+
Aggregate rating9.5 · No reviews yet4.3 · 2.3k reviews
Integrations—
NetSuiteQuickBooks OnlineQuickBooks DesktopXeroSage IntacctWorkday HCM+8 more
Security & compliance—
SOC 1 Type IISOC 2 Type IIISO 27001PCI DSS+1 more
Pros
  • Independent review documents a concrete business workflow
  • Documented capability: Accept PayPal payments
  • Documented capability: Accept Visa
  • Documented capability: Mastercard and American Express
  • Documented capability: Virtual Terminal
  • Strong automation for receipt capture, expense submission, and approval routing.
  • Reliable, trackable reimbursements with solid corporate card integration.
  • Mobile app and receipt-scanning (ExpenseIt) speed up on-the-go submission.
  • Customizable, auditable approval workflows and detailed spend reporting.
Cons
  • Pricing and usage limits should be checked against the exact plan
  • Implementation effort depends on the team's data and process maturity
  • Reported outcomes should be validated with the buyer's own data
  • Interface is frequently described as dated, clunky, and not fully intuitive.
  • Implementation and configuration can be complex and IT-intensive.
  • Pricing and reporting fees are considered expensive for smaller companies.
  • Some users report occasional glitches and slow support response.
Visit PayPal Payments Pro ↗Visit SAP Concur ↗

Editorial read of this comparison

The table summarizes structured facts; this section explains what the differences mean for a real buying decision.

Where each tool fits, and where it may not

PayPal Payments Pro

PayPal Payments Pro is a payment processing solution built on PayPal’s technology that enables online merchants and businesses to accept credit card payments online as well as process mobile and retail credit card. On top of that, users can create and host their own checkout pages for full control. With PayPal Payments Pro, users are charged with a flat rate of 2.90 percent along with a $0.30 per-transaction fee, which is beneficial for companies with large tickets. The flat fee remains the same whether the cards used are debit, credit, corporate or rewards. PayPal Payments Pro doesn’t require buyers to have a PayPal account to complete the purchase. Aside from accepting payments online, users of PayPal Payments Pro are able to process credit card payments via phone, fax, and mail (Virtual Terminal).

A particularly good fit for: B2B teams evaluating finance and accounting software Teams that need documented workflow capabilities and fit guidance Organizations willing to validate implementation and plan limits

May be a poor fit if: Teams seeking a workflow outside the product's documented focus Teams needing unlimited usage without plan limits

SAP Concur

SAP Concur is an enterprise travel, expense, and invoice management platform that automates the capture, submission, approval, and reimbursement of employee spend. It combines mobile receipt capture, policy-compliance enforcement, corporate card feeds, and AI-driven audit with connectors into major ERP and accounting systems. Now a subsidiary of SAP, it is one of the most widely deployed T&E solutions among mid-market and enterprise organizations.

A particularly good fit for: Mid-market and enterprise organizations with high volumes of employee travel and expense activity. Companies needing to enforce spend policy compliance and automated multi-level approval workflows. Teams that require corporate card feeds and posting of expense data into an ERP or GL system.

May be a poor fit if: Small businesses or startups sensitive to per-report fees and setup complexity. Buyers wanting a full accounting/general-ledger system rather than a T&E layer that feeds one.

Pricing and plan structure

PayPal Payments Pro: Published starting price $0 per month

  • Free or entry planFree
  • Higher tiersCustom pricing

SAP Concur: Published starting price $7 per report / month

  • Standard Edition$7 per report / month (starting, quote-based)
  • Professional EditionCustom pricing

Capabilities worth validating

  • PayPal Payments Pro: Accept PayPal payments, Accept Visa, Mastercard and American Express, Virtual Terminal, Accept payments in 25 currencies from 202 countries
  • SAP Concur: General ledger & accounting, Accounts payable & bill pay, AI features, Bank reconciliation, Corporate cards Integrations include NetSuite, QuickBooks Online, QuickBooks Desktop, Xero.

Questions to answer before switching

  • Does PayPal Payments Pro's selected plan include the features and limits we need?
  • Does SAP Concur's selected plan include the features and limits we need?
  • Does the exact integration path for NetSuite, QuickBooks Online, QuickBooks Desktop support the sync direction, permissions, and volume we need?
  • Is a hosted-only deployment acceptable for the team and customers who will use this system?

How to evaluate this shortlist

A useful comparison turns the differences between Finance tools into a concrete test. Use these steps to avoid choosing from a feature table or the lowest headline price alone.

  1. Start with a representative Finance workflow, not a feature checklist. Define who will use it, what data goes in, and what outcome the team needs.
  2. Test the complete path through NetSuite, QuickBooks Online, QuickBooks Desktop: permissions, sync direction, failure handling, and volume limits often matter more than the integration name.
  3. Compare the cost of the real scenario, including users, usage, storage, support, and contract requirements. The entry price alone does not measure adoption cost.
  4. Before switching, list the evidence gaps, request a demo of the critical workflow, and confirm security, data residency, export, and support with each vendor.

Structured signals help narrow the shortlist, but a trial with a real workflow is still the best way to validate the decision.

Research basis

Last checked: 2026-08-18. Pricing, integrations, feature support, and review signals can change, so treat this as a research snapshot and verify the final decision with the vendor.

Sources consulted: PayPal Payments Pro product site, FinancesOnline review, Vendor website; SAP Concur product site, Capterra, G2