BILL Spend & Expense vs. Concur®

BILL offers a no-cost alternative to SAP® Concur®—the expense, travel, and reimbursement platform. With budget limits and controls, BILL Spend & Expense makes it easy to manage employee spend. See every transaction as it happens and say goodbye to expense reports.

See how BILL and Concur® compare

	BILL	Concur®
Price	Free	$9/user for basic (2 user minimum)
Automatic expense reporting	✔️	✔️
Unlimited virtual cards	✔️	✔️
Rewards	✔️	✔️
Free mobile app	✔️	✔️
Travel	✔️	✔️
Reimbursements*	✔️	✔️
Budget controls	✔️	✔️
Anytime customer support	✔️	Only with annual contract/Professional plan
Include expense software	✔️	❌
Bill pay	✔️	❌
Credit	✔️	❌
Functional w/o accounting support	✔️	❌
Multiple receipts/splits	✔️	❌
	Learn more	Learn more

*Learn more about our reimbursements add-on.

BILL puts all your spend in one place—for less

Unlike Concur®, the BILL Spend & Expense software platform is free for every business. BILL makes money from interchange fees—which costs nothing to our customers—that’s how we’re able to provide a top-tier product that doesn’t cost you an arm and a leg.

BILL customer support teams are known for their fast response times—no matter where you are or what you need. Plus, according to G2, BILL is much easier to use than Concur®, so you may not need the support after all.

BILL gives your team all the features they need, including corporate cards for every employee, unlimited virtual card creation, and total spend visibility. Plus, with flexible controls, admins can adjust employee spend as needed.

So why choose BILL over Concur®?

Our expense software platform—including cards for all employees—is completely free. We now also offer reimbursements as part of the free platform.

No matter the size of your business, BILL lets you create virtual cards, upload receipts, send funds, and book travel—all in one place.

BILL makes money from interchange fees—which costs nothing to our customers. That’s how we’re able to provide a top-tier product that doesn’t cost you an arm and a leg.

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"The fact that the [BILL] platform was for free, I had nothing to lose except my own time I would invest in that process. And so for me to be able to experiment with a couple of credit cards—at no cost for the company—to see if it actually works for our use cases, was a very easy and simple way to onboard and take these kinds of risks. Whereas, if I would have selected any of [BILL's] competitors, it would have taken months of negotiation for the contract. We would have an implementation team and we might spend a year or more to implement it worldwide."

Marc Balcke

Corporate Controller at Noom

Read the Noom Case study

BILL Spend & Expense can do more

Enforceable budgets

Create a common understanding of budgets. Start by making a budget, with admins and users, divvy out funds, and watch the spend roll in. With real-time tracking and spend controls, you’ll never go over budget again.

BILL’s budgeting software >

Cards for every spender

Every employee can have their own card, and you control every card’s balance. That fosters trust between the finance teams and everyone else. For off-card purchases, BILL supports painless reimbursements.

BILL Divvy Corporate Card >

Real-time visibility

Every time a BILL Divvy Corporate Card is swiped, the transaction is visible to the spender, the budget owner, and the company admin—immediately. No more flying dark until everyone files their reports.

Manage expenses with BILL >

Streamline bill payments

Pay your bills and invoices faster. With BILL’s AP Management, AP Processing just takes a few clicks: add your vendor, create a payment, and you’re done. We take care of the rest.

Join the AP Management waitlist >

Vendor management with virtual cards

Create as many virtual cards as you need to manage online subscriptions. This keeps your real 16-digit card number protected, and gives you better control.

BILL virtual cards >

Auto-categorized expenses

With BILL Spend & Expense, you’ll never have to do another manual expense report again. Say goodbye to piles of receipts and invoices. By distributing the burden of categorization to spenders, transactions are categorized at the point of spend.

User-friendly, multi-device app

BILL's app is intuitive—even beautiful—by design. And it functions the same across any device. We’ve removed friction by creating an easy-to-use app that trains your employees for you.

Seamless financial integrations

No matter what financial tech you’re using, BILL plays nice. You can map custom fields to GL codes and save hours every month with our QuickBooks Online sync.

Human support

With a world-class support team that you can reach any time, you’ll always have help spending smarter. We’re available for chat, phone call, and even in-person onboarding.

*SAP® Concur® is a federally registered trademark of Concur Technologies, Inc. and is one of many trademarks owned by Concur Technologies, Inc. Divvy is an independent SaaS provider; however is not affiliated with or endorsed by Concur Technologies, Inc. The use of Concur® on this page is merely to compare Divvy products with Concur Technologies, Inc’s products.Attempted transactions over the budgeted amount would automatically be declined.

BILL occasionally uses AI-generated images in marketing materials for illustrative purposes only.
BILL AP/AR services are provided by Bill.com LLC; Spend & Expense services are provided by Divvy Pay LLC; BILL Divvy Card is issued by Cross River Bank, Member FDIC. This is not a deposit product.
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