Concur vs Divvy

March 15, 2025 | Author: Michael Stromann
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Concur
SAP Concur's easy-to-use business travel and expense management software solution helps your business save time, money and gain control. The Concur booking tool makes business travel a snap—starting with customized options that align with your company policies. You can also upload electronic folios, directly to expense reports. Concur provides full visibility into spend and the ability to ensure policy and regulatory compliance.
6
Divvy
Expense Management & Business Budgeting Software. Simplify your business' expense reports with Divvy. Submit expense reports, budget, reimburse employees, and manage virtual cards right from Divvy's platform.

Expense management software, much like intergalactic bureaucracy, is a necessary evil for businesses trying to keep their financial chaos from devolving into total anarchy. Both Concur and Divvy, in their own peculiar ways, promise to bring order to the mayhem. They automate expense tracking, integrate with accounting systems and provide mobile apps so that employees can record their financial misadventures in real-time. They also enforce company policies, which ensures that no one attempts to claim a weekend in Ibiza as a “business development retreat.”

Concur has been around since the prehistoric days of 1993 (back when the internet still made screeching noises) and was later absorbed into the SAP empire in 2014. Designed for large, multinational companies that enjoy drowning in spreadsheets, Concur offers corporate travel booking alongside its expense management tools. It has spread across the globe like an enthusiastic but slightly dull AI, ensuring that executives everywhere can submit mileage claims with ruthless efficiency. Its pricing is mysterious and custom-tailored, much like a particularly ominous restaurant menu that refuses to tell you the cost of the lobster.

Divvy, by contrast, is the youthful, excitable startup that burst onto the scene in 2016 and quickly got scooped up by Bill.com in 2021. It caters to small and medium-sized businesses that want to track spending without feeling like they’re trying to decode ancient runes. It comes with built-in corporate cards, meaning employees can spend company money while being watched like a hawk by automated budgeting tools. Unlike Concur, which charges who-knows-what, Divvy makes its money from transaction fees, meaning it's technically free—until you realize that every purchase is funding its continued existence.

See also: Top 10 Expense Management software
Author: Michael Stromann
Michael is an expert in IT Service Management, IT Security and software development. With his extensive experience as a software developer and active involvement in multiple ERP implementation projects, Michael brings a wealth of practical knowledge to his writings. Having previously worked at SAP, he has honed his expertise and gained a deep understanding of software development and implementation processes. Currently, as a freelance developer, Michael continues to contribute to the IT community by sharing his insights through guest articles published on several IT portals. You can contact Michael by email [email protected]