Divvy vs. Concur®

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

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browser displaying divvy budgets behind a divvy card and iphone displaying a transaction on the divvy app

See how Divvy and Concur® compare.

Divvy Concur®
Monthly price Free $8/user (min. $994/yr)
Receipt capture ✔️ ✔️
Automatic expense reporting ✔️ ✔️
Travel ✔️ ✔️
Reimbursements* ✔️ ✔️
Budget controls ✔️
Unlimited virtual cards ✔️
Corporate cards for all users ✔️
Access to credit ✔️
Rewards ✔️
Learn more Learn more

*Learn more about our reimbursements add-on.

Experience the Divvy difference.

Divvy puts all your spend in one place—for less.

illustrated piggy bank

Unlike Concur®, the Divvy expense software platform is free for every business. Divvy 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.

illustrated green phone

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

illustrated hand and credit card

Divvy 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 Divvy over Concur®?

Our expense software platform—including cards for all employees—is completely free. We now also offer reimbursements at a fraction of the competitor’s price.

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

Divvy 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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How Divvy measures up to Concur®.

G2 Crowd 4.6 out of 5 stars

Divvy outranks Concur® in every category on G2, from ease of use to quality of support.

Capterra 4.7 out of 5 stars

Capterra reviews highlight our excellent customer service.

Finances Online 5 out of 5 stars

Reviewers on FinanceOnline say Divvy is “best for business travelers” and our platform’s pricing (which is free).

Solve your expense problems with Divvy.

The fact that the Divvy 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 [Divvy’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.

noom logo

Marc Balcke

Corporate Controller at Noom

Read the Noom Case Study >

Marc Balcke headshot

Divvy 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.

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, Divvy supports painless reimbursements.

Real-time visibility

Every time a Divvy 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.

Streamline bill payments

Pay your bills and invoices faster. With Divvy’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.

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.

Auto-categorized expenses

With Divvy, 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

Divvy’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, Divvy 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.