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SAP Concur vs PayEm Comparison (2026)

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Good recommendations?

SAP Concur

PayEm

Overview

SAP Concur is a leading cloud-based spend management solution that helps small, medium, and large businesses automate and simplify expense reporting, travel booking, and invoice processing. It’s designed to give organizations better control over their business spend by integrating near real-time data and using AI to audit 100% of transactions.

Go beyond the tired billing & invoicing procedures with PayEm. PayEm's platform simplifies bill payments, whether done by credit card or ACH. The platform allows for digital uploads of vendor invoices, automatic payment scheduling & customized approval flows, using streamlined NetSuite integration.

Platforms supported

Web-based
iPhone app
Android app
Windows Phone app

Typical customers

Freelancers
Small businesses
Mid size businesses
Large enterprises

Customer support

Phone
Online
Knowledge base
Video tutorials

view more detailsview details

Platforms supported

Web-based
iPhone app
Android app
Windows Phone app

Typical customers

Freelancers
Small businesses
Mid size businesses
Large enterprises

Customer support

Phone
Online
Knowledge base
Video tutorials

view more detailsview details

Video & Screenshots

Pricing

Starting from

Per month

Free trial available
Credit cardless trial
Free account
Subscription based

Starting from

No pricing info

Free trial available
Credit cardless trial
Free account
Subscription based

User reviews

4.3

2.2K

1.1K

805

220

Value for money

Ease of use

Features

Customer support

68%

would recommend this app

4.8

Value for money

Ease of use

Features

Customer support

95%

would recommend this app

Pros

“I also appreciated the integration capabilities with accounting and ERP systems, which helped streamline financial workflows and provided better visibility into spending across the organization.”

Christian G.

Marketing Operations Manager

“I can manage my expense claims and business trips without too much trouble, everything is in one place and it helps avoid losing important documents.”

Matt B.

Senior Software Engineer at JEOL USA

“The software allows employees to track the status of their claims including payment approvals/ rejection”

Amir N.

Controller

Pros

“PayEm allows us to manage budgeting and overall expenses while including all departments involved in the expense approval process.”

Yaniv S.

Operations Manager

“For example, I am in control using a vendor credit card because I can see every transaction, and I can know in real-time if I need to increase the budget or pay another way.”

Marcelo R.

Finance Controller

“The customer care team and representatives are very helpful and commentative, every issue is addresed immediately and gets the full response for the relevant department. ”

Matan H.

Controller

Cons

“The platform also occasionally felt slow when processing large expense reports, and customization or administrative changes could require significant setup and support.”

Christian G.

Marketing Operations Manager

“I am not a fan of SAP concurs AI tool that automatically pulls information from the receipt and puts it into each category because, in my experience, most of the time the information that the AI pulls from the receipt is not correct.”

Carly G.

Curriculum Designer and Trainer II

“The user interface can feel a bit dated and sometimes finding specific settings or reports takes longer than it should.”

Ryan P.

Finance Operations Manager

Cons

“The UI can feel a bit unintuitive at times, especially for team members who aren't in finance, some features are buried or not clearly labeled.”

Miri N.

Head of finance

“I also don't like that you still get a red receipt flag even when a charge has been refunded or reversed.”

Liz H.

Executive Assistant