Airwallex vs SAP Concur: A guide for Singapore businesses (2026)

Key Takeaways:

• SAP Concur is a modular platform sold as separate products (including Expense, Travel, Invoice, and Purchase Request), with pricing available on request only.

• While SAP Concur focuses on spend management, Airwallex also provides business accounts, payment acceptance, and international supplier payments.

• Airwallex publishes transparent pricing from S$0/month, while SAP Concur's pricing depends on the products and implementation required.

Airwallex vs SAP Concur is a common comparison for Singapore businesses looking to improve how they manage company spending, supplier payments, and employee expenses.

While both platforms support finance teams, they take very different approaches.

This guide compares Airwallex and SAP Concur across features, pricing, integrations, and the types of businesses each platform is best suited for, so you can decide which fits your finance team's needs better.

What is SAP Concur?

SAP Concur is a modular spend management suite within the SAP ecosystem. It is sold as a set of distinct products:

• Concur Expense for employee expense reporting

• Concur Travel for business travel booking

• Concur Invoice for accounts payable

• Purchase Request for pre-approval workflows.¹

Businesses choose which modules they need and deploy them as a combined system. The platform is built for organisations that require enterprise-grade policy controls, multi-entity compliance, and deep integration with SAP and other large ERP systems.

Information in this section is based on SAP Concur’s official website as of 13 July 2026.

What is Airwallex?

Airwallex is a global financial platform that combines business accounts, international payments, and spend management in one place.

The spend management suite includes Corporate Cards, Expense Management, Bill Pay, and Purchase Orders, all running on the same account and the same data, with no separate modules to configure or connect.

This comparison focuses on spend management: corporate cards, expense management, bill pay, purchase orders, and accounting integrations. It does not cover business travel booking, as travel booking is outside Airwallex's current product scope.

This information is based on publicly available information accessed on 13 July 2026. Information reflects Airwallex's own research and has not been independently verified.

Airwallex vs SAP Concur: Pricing and fees

With Airwallex, you know your monthly platform cost before you sign up.

With SAP Concur, the cost is only confirmed after a scoping process, and it varies by module combination, user volume, and contract terms. Here’s a quick overview:

Airwallex has no monthly fees, no signup fees, and no minimum balance requirements on its free Explore plan. Sign up now.

Airwallex pricing

Airwallex publishes its Singapore pricing openly on its website. There are three plans:¹

• Explore: S$0/month. Includes multiple business accounts, up to 10 free company cards, expense management, bill pay, payment acceptance, and accounting integrations.

• Grow: S$79/month. Adds up to 50 free company cards, purchase orders and purchase requests, multi-conditional approval workflows, AI Expense Policy Agent, and remittance advice for bills.

• Accelerate: From S$399/month. Includes unlimited corporate cards, a dedicated account manager, and onboarding support.

All plans include multi-currency cards with no foreign transaction fees when spending in a currency you hold. FX conversion fees apply when converting between currencies.¹

SAP Concur pricing

As of 13 July 2026, SAP Concur does not publish pricing on its Singapore website. The site directs visitors to request a quote directly from the sales team.²

Pricing depends on which modules are deployed: Concur Expense, Concur Invoice, and Purchase Request are each separate products, and the cost reflects the combination a business chooses.

Third-party benchmark data on SAP Concur pricing exists across a number of software review platforms, but SAP Concur does not confirm any public rate. For an accurate figure, you will need to go through a sales conversation.

Airwallex vs SAP Concur: Setup and administration

How quickly you can go live, and how much internal resource you need to stay live, are practical considerations that often get underweighted during a software evaluation.

Setting up Airwallex

Airwallex is designed to get businesses up and running quickly. Many businesses can self-serve by opening an account online, issuing cards immediately, and enabling spend management features from day one.

For larger organisations with more complex finance workflows, Airwallex also supports tailored implementations and onboarding.

Setting up SAP Concur

SAP Concur's Singapore website describes a structured implementation process that involves requirements gathering, configuration, testing, and user training before go-live.³

For businesses with complex requirements or multi-country deployments, SAP Concur offers a certified implementation partner programme: a global network of specialist firms that configure and deploy the platform on behalf of customers.³

SAP Concur also offers self-configuration options for simpler setups, with its own implementation team available for more involved deployments.³ The right path depends on the complexity of your policies, integrations, and organisational structure.

Ongoing administration

Airwallex is administered directly by finance teams through the dashboard, with no IT involvement needed for day-to-day management.

In contrast, SAP Concur offers a range of post-implementation support products (including Essential Care, Select Care, and Advanced Care).⁴

Airwallex vs SAP Concur: Corporate cards

If your business does not already have a corporate card programme in place, Airwallex gets you from zero to issued cards in minutes.

With SAP Concur, setting up card-based expense management requires first establishing a card programme elsewhere, then connecting it to the platform: an additional step that adds time and a second vendor relationship.

Airwallex corporate cards

Airwallex issues multi-currency Visa corporate cards natively, directly from the platform. There are two card types:

• Company Cards, which are virtual-only and designed for shared business expenses such as software subscriptions and team purchases.

• Employee Cards, which are available as virtual or physical cards for individual spending such as travel and meals.

The number of cards included depends on your plan: 10 free company cards on Explore, 50 on Grow, and unlimited on Accelerate.¹ There are no foreign transaction fees when spending in a currency you already hold in your Airwallex account.¹

SAP Concur and corporate cards

SAP Concur does not issue corporate cards. Its platform integrates with existing third-party corporate card programmes (such as Amex, Visa, and Mastercard) via an automated data feed that pulls transactions into Concur Expense for reconciliation and reporting.⁶

This means a Singapore business setting up SAP Concur for expense management still needs to source a separate corporate card programme through their bank or card issuer. The two are configured to work together, but they are distinct products from distinct providers.

Airwallex vs SAP Concur: Bill Pay and purchase orders

Both Airwallex and SAP offer Bill Pay and purchase order capabilities, but they're packaged differently. 

Airwallex includes them as built-in features of the same platform you use for business accounts, corporate cards, and expense management. SAP provides them through separate products. 

Airwallex Bill Pay and purchase orders

Airwallex handles bill payments and purchase orders from the same platform you use for business accounts, corporate cards, and expense management.

Employees can submit purchase requests, which route through configurable approval workflows before a purchase order is issued. Once the supplier sends an invoice, Airwallex uses AI-powered OCR to extract the invoice data, matches it against the approved purchase order, and lets you approve and pay the bill from the same workflow.

Because everything runs on the same platform, card spend, reimbursements, bills, and purchase orders all appear in one place, without data moving between separate systems.

SAP Concur bill pay and purchase orders

SAP Concur addresses this scope through two separate products⁴:

• Concur Invoice handles accounts payable: invoice capture, approval routing, and payment processing.

• Purchase Request handles pre-approval workflows for spending before it is committed.

Both are listed as distinct products on SAP Concur's Singapore website, sitting within the invoice product line alongside other modules such as Three-Way Match and Payment Solutions.

For businesses that need full procure-to-pay functionality beyond what Concur Invoice and Purchase Request cover, SAP Ariba is the separate SAP product designed for that scope.

Airwallex vs SAP Concur: Accounting integrations

Both Airwallex and SAP Concur integrate with major accounting systems, including Xero, NetSuite, and QuickBooks. SAP Concur also offers native integration with SAP ERP, making it a natural fit for businesses already using the SAP ecosystem.

Why Singapore businesses choose Airwallex over SAP Concur

The biggest differences are the products each platform offers and how they're priced.

While SAP Concur focuses on spend management, Airwallex also provides business accounts, payment acceptance, and global supplier payments, with pricing published online. For businesses managing both spending and payments, this reduces the need for multiple providers.

Business accounts and payment acceptance

SAP Concur focuses on spend management. Airwallex also provides multi-currency business accounts, corporate cards, and a built-in payment gateway for accepting customer payments. SAP Concur does not offer these financial products on its website.

Global supplier payments

Airwallex lets you pay suppliers in 200+ countries from the same platform you use to manage cards and expenses. This gives finance teams a single workflow for approving, paying, and reconciling international supplier payments.

SAP Concur does not offer international supplier payments as a product on its website, so businesses may need a separate payment provider or ERP.

Transparent pricing

Airwallex publishes transparent pricing, with plans starting from S$0/month.¹ This makes it easier to estimate costs before engaging with sales.

SAP Concur does not publish Singapore pricing online, and pricing depends on the products and implementation required.

Frequently asked questions (FAQs)

Does SAP Concur issue corporate cards?

SAP Concur does not issue its own corporate cards. The platform integrates with existing third-party card programmes such as Amex, Visa, and Mastercard via an automated data feed. Businesses need to source a corporate card programme separately through their bank or card issuer, then connect it to Concur Expense.

How much does SAP Concur cost in Singapore?

SAP Concur does not publish pricing on its Singapore website. Pricing is available on request and depends on which modules are deployed and your organisation's size and requirements. Contact SAP Concur directly for a quote.

Can Airwallex replace SAP Concur for expense management?

For businesses that need corporate cards, expense management, bill pay, and purchase orders without SAP infrastructure, Airwallex covers that scope in one platform. SAP Concur goes further in enterprise travel management and deep SAP ERP integration. Whether Airwallex is a replacement depends on which capabilities your business actually uses.

What is the difference between SAP Concur and SAP Ariba?

SAP Concur manages travel, expense, and invoice workflows for employees. SAP Ariba is a separate SAP product focused on procurement: sourcing, supplier management, and purchase order management at enterprise scale. They serve different use cases.

Does Airwallex integrate with Xero and NetSuite in Singapore?

Yes. Airwallex offers native two-way sync with Xero, NetSuite, and QuickBooks for Singapore businesses, available across plans. Transactions sync automatically to your general ledger with no manual exports required.

How long does it take to implement SAP Concur?

SAP Concur's implementation timeline depends on the complexity of your setup: the number of modules deployed, your policy requirements, and whether you are integrating with an ERP. SAP Concur offers both self-configuration options for simpler setups and a certified implementation partner programme for more complex deployments. Contact SAP Concur directly for an accurate timeline estimate.

Sources:

1. airwallex.com/sg/pricing

2. concur.com.sg

3. concur.com.sg/products/implementation

4. concur.com.sg/products

5. airwallex.com/sg/spend-management/expense-management

6. concur.com.sg/products/concur-expense