# Mercury vs SAP Concur Comparison
---
## AI Generated Summary
- **G2 reviewers report** that SAP Concur excels in automating invoice processing and streamlining approval workflows, making financial processes more efficient. Users appreciate its seamless integration with ERP systems, which enhances overall reliability.
- **Users say** that Mercury stands out for its simplicity and ease of use, particularly through its mobile app. Reviewers highlight the ability to manage banking tasks effortlessly, which is a significant advantage for small businesses looking for straightforward solutions.
- **According to verified reviews** , SAP Concur's mobile experience is praised for being user-friendly, with features like automatic expense creation and smart notifications that help users track their expenses quickly and efficiently.
- **Reviewers mention** that while Mercury offers a tech-first approach that appeals to many, it may lack some advanced features found in SAP Concur, such as comprehensive reporting and complex approval workflows, which are crucial for larger enterprises.
- **G2 reviewers highlight** that SAP Concur's robust support and training resources contribute to a smoother implementation process, which is particularly beneficial for organizations transitioning from manual processes.
- **Users appreciate** Mercury's international payment capabilities and its integration with tools like Xero, making it a solid choice for small businesses that require efficient cross-border transactions and invoicing solutions.



| | Mercury | SAP Concur | 
|---|---|---|
| **Star Rating** | 4.5 out of 5 | 4.0 out of 5 | 
| **Total Reviews** | 121 | 7,132 | 
| **Largest Market Segment** | Small-Business (90.1% of reviews) | Enterprise (54.9% of reviews) | 
| **Entry Level Price** | No pricing available | Starting at $7.00 | 

---
## Top Pros & Cons

### Mercury

Pros:
- Ease of Use (24 reviews)
- Easy Setup (11 reviews)

Cons:
- Approval Issues (5 reviews)
- Poor Customer Support (4 reviews)

### SAP Concur

Pros:
- Ease of Use (519 reviews)
- Expense Management (425 reviews)

Cons:
- Not Intuitive (106 reviews)
- Learning Curve (98 reviews)

---
## Ratings Comparison
| Rating | Mercury | SAP Concur | 
|---|---|---|
  | **Meets Requirements** | 8.4 (73 reviews) | 8.7 (5971 reviews) | 
  | **Ease of Use** | 9.1 (76 reviews) | 8.0 (6054 reviews) | 
  | **Ease of Setup** | 9.1 (62 reviews) | 8.0 (1404 reviews) | 
  | **Ease of Admin** | 9.4 (40 reviews) | 8.1 (891 reviews) | 
  | **Quality of Support** | 8.1 (67 reviews) | 8.0 (4358 reviews) | 
  | **Has the product been a good partner in doing business?** | 8.8 (40 reviews) | 8.1 (873 reviews) | 
  | **Product Direction (% positive)** | 8.7 (70 reviews) | 7.3 (5852 reviews) | 

---
## Pricing

### Mercury

#### Entry-Level Pricing

No pricing available

#### Free Trial

Yes

### SAP Concur

#### Entry-Level Pricing

Plan: Base

Price: Starting at $7.00

Description: For smaller businesses with basic expense reporting needs.

Key Features:
- Concur Expense

[Browse all 3 editions](https://www.g2.com/products/sap-concur/pricing)

#### Free Trial

Yes

---
## Features Comparison By Category

### Expense Management

| Product | Score | Reviews |
|---|---|---|
| **Mercury** | 7.0/10 | 20 |
| **SAP Concur** | 8.4/10 | 5234 |

#### Expense Reports

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Ease of Creating Expense Reports** | Feature Not Available | 8.5 (4551 reviews) ✓ Verified | 
| **Bank / Credit Card Integration** | 7.8 (19 reviews) | 8.6 (3564 reviews) ✓ Verified | 
| **Smart Categorization** | 7.6 (19 reviews) | 8.0 (3504 reviews) ✓ Verified | 
| **Digital Receipt Management** | 7.7 (18 reviews) | 8.5 (4340 reviews) ✓ Verified | 
| **Employee Reimbursement** | 7.9 (18 reviews) | 8.8 (4163 reviews) ✓ Verified | 
| **Currency Conversions** | 7.0 (19 reviews) | 8.4 (2098 reviews) ✓ Verified | 
| **Credit Card Integration** | 6.4 (18 reviews) | 8.6 (2894 reviews) ✓ Verified | 

#### Agentic AI - Expense Management

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | 8.1 (99 reviews) | 
| **Cross-system Integration** | Feature Not Available | 8.1 (114 reviews) | 

#### Travel Management

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Ease of Booking** | Feature Not Available | 8.2 (3407 reviews) ✓ Verified | 
| **Itinerary Management** | Feature Not Available | 8.3 (3219 reviews) ✓ Verified | 
| **Trip Notifications** | Feature Not Available | 8.5 (3162 reviews) ✓ Verified | 
| **Advanced Integrations** | Feature Not Available | 8.3 (2374 reviews) ✓ Verified | 

#### Client Invoicing

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Invoice Creation and Delivery** | 7.6 (17 reviews) | 8.3 (1566 reviews) ✓ Verified | 
| **Electronic Payments** | 6.9 (18 reviews) | 8.5 (1730 reviews) ✓ Verified | 
| **Project Accounting / Revenue Recognition** | Feature Not Available | 8.3 (1373 reviews) ✓ Verified | 

#### Generative AI - Expense Management

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Image-to-Text** | Not enough data | 8.8 (8 reviews) | 
| **Text Generation** | Not enough data | Not enough data | 
| **Text Summarization** | Not enough data | Not enough data | 

#### Mobile

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Receipt Capture** | 6.9 (17 reviews) | 8.8 (3738 reviews) ✓ Verified | 
| **Mileage Tracking** | Feature Not Available | 8.6 (2462 reviews) ✓ Verified | 
| **Travel Itinerary and Flight Status Updates** | Feature Not Available | 8.6 (2690 reviews) ✓ Verified | 

#### Platform

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Embedded AI / Machine Learning** | 5.0 (17 reviews) | 7.8 (718 reviews) ✓ Verified | 
| **Complex Approval Workflow** | 5.5 (17 reviews) | 8.1 (2086 reviews) ✓ Verified | 

#### Administration

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **PCI Regulation Compliant** | 7.4 (18 reviews) | 8.3 (1163 reviews) ✓ Verified | 

#### Administration

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Business Tool Integration** | 7.5 (17 reviews) | 8.3 (1432 reviews) ✓ Verified | 
| **Workflow** | Feature Not Available | 8.5 (1716 reviews) ✓ Verified | 
| **Automated Reminders** | Feature Not Available | 8.4 (1599 reviews) ✓ Verified | 
| **Policy Compliance Management** | 6.8 (17 reviews) | 8.5 (1528 reviews) ✓ Verified | 
| **User, Role, and Access Management** | 7.5 (17 reviews) | 8.6 (1580 reviews) ✓ Verified | 

#### Platform

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Reporting** | 7.2 (17 reviews) | 8.4 (1739 reviews) ✓ Verified | 
| **APIs / Integration** | 7.1 (17 reviews) | 8.2 (1178 reviews) ✓ Verified | 
| **Internationalization** | 6.5 (17 reviews) | 8.3 (1124 reviews) ✓ Verified | 
| **Performance and Reliability** | 7.2 (18 reviews) | 8.3 (1998 reviews) ✓ Verified | 
| **Mobile User Support** | 7.0 (18 reviews) | 8.3 (1625 reviews) ✓ Verified | 

### Spend Management

| Product | Score | Reviews |
|---|---|---|
| **Mercury** | 7.5/10 | 36 |
| **SAP Concur** | N/A | N/A |

#### Setup

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Data** | Feature Not Available | Not enough data | 
| **Approvals** | 7.6 (30 reviews) | Not enough data | 
| **Alignment** | Feature Not Available | Not enough data | 

#### Performance

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **KPIs** | Feature Not Available | Not enough data | 
| **Benchmarks** | Feature Not Available | Not enough data | 
| **Forecasting** | 5.8 (29 reviews) | Not enough data | 
| **Savings** | Feature Not Available | Not enough data | 

#### Payment Cards

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **One-time Virtual** | Feature Not Available | Not enough data | 
| **Recurring Virtual** | 8.0 (31 reviews) | Not enough data | 
| **Physical** | 7.0 (32 reviews) | Not enough data | 

#### Reporting

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Real time** | 8.3 (32 reviews) | Not enough data | 
| **Multiple Views** | 7.0 (28 reviews) | Not enough data | 
| **Export** | 7.5 (27 reviews) | Not enough data | 
| **Budgets** | Feature Not Available | Not enough data | 

#### Payments

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Vendor** | 7.2 (26 reviews) | Not enough data | 
| **Recurring** | 7.1 (27 reviews) | Not enough data | 
| **Employee Reimbursements** | 7.1 (27 reviews) | Not enough data | 
| **ACH** | 8.8 (28 reviews) | Not enough data | 

#### Fraud & Risk Management

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Notifications** | 7.9 (27 reviews) | Not enough data | 
| **Unique Cards** | Feature Not Available | Not enough data | 
| **Controls** | 8.4 (27 reviews) | Not enough data | 

#### Agentic AI - Spend Management

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Proactive Assistance** | Feature Not Available | Not enough data | 

### AP Automation

| Product | Score | Reviews |
|---|---|---|
| **Mercury** | N/A | N/A |
| **SAP Concur** | 9.2/10 | 144 |

#### Invoice Management

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Capture** | Not enough data | 9.2 (108 reviews) | 
| **Repository** | Not enough data | 9.2 (99 reviews) | 

#### Invoice Processing

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Matching** | Not enough data | 9.3 (99 reviews) | 
| **Payments** | Not enough data | 9.2 (103 reviews) | 
| **Workflows** | Not enough data | 9.4 (106 reviews) | 
| **Tax Compliance** | Feature Not Available | 9.3 (98 reviews) | 

#### Analytics

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Due Dates** | Not enough data | 9.2 (106 reviews) | 
| **KPIs** | Feature Not Available | 9.2 (98 reviews) | 

#### Integration

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Accounting** | Not enough data | 9.4 (109 reviews) | 
| **Payment Integration** | Not enough data | 9.3 (102 reviews) | 
| **ERP** | Not enough data | 9.2 (107 reviews) | 

#### Recovery

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Recoup** | Feature Not Available | 9.0 (99 reviews) | 
| **Reporting** | Feature Not Available | 9.1 (102 reviews) | 

#### Audit

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Filters** | Feature Not Available | 9.2 (98 reviews) | 
| **Overpayments** | Not enough data | 9.1 (97 reviews) | 
| **Duplicates** | Not enough data | 9.3 (102 reviews) | 

#### Fraud

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Vendor Checks** | Feature Not Available | 9.1 (97 reviews) | 
| **Data Generation** | Feature Not Available | 9.1 (102 reviews) | 
| **Monitoring** | Not enough data | 9.3 (100 reviews) | 

#### Agentic AI - AP Automation

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Autonomous Task Execution** | Feature Not Available | 9.4 (23 reviews) | 
| **Proactive Assistance** | Feature Not Available | 9.3 (23 reviews) | 
| **Decision Making** | Feature Not Available | 9.4 (22 reviews) | 

### Invoice Management

| Product | Score | Reviews |
|---|---|---|
| **Mercury** | N/A | N/A |
| **SAP Concur** | 8.8/10 | 554 |

#### Invoice Generation

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Templates** | Not enough data | 8.6 (369 reviews) ✓ Verified | 
| **Digital Invoices** | Not enough data | 8.9 (392 reviews) ✓ Verified | 
| **Recurring Invoices** | Not enough data | 8.8 (356 reviews) ✓ Verified | 

#### Invoice Processing

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Approvals** | Not enough data | 9.0 (440 reviews) ✓ Verified | 
| **Batch Processing** | Not enough data | Feature Not Available | 
| **Consolidation** | Not enough data | Feature Not Available | 
| **Match Invoices** | Not enough data | 9.0 (228 reviews) ✓ Verified | 

#### Analytics

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Due Dates** | Not enough data | Feature Not Available | 
| **Cashflow** | Not enough data | 8.7 (326 reviews) ✓ Verified | 
| **KPIs** | Not enough data | 8.8 (297 reviews) ✓ Verified | 
| **Payment Tracking** | Not enough data | 9.1 (233 reviews) ✓ Verified | 

#### Integration

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Accounting** | Not enough data | 8.9 (360 reviews) ✓ Verified | 
| **Payments** | Not enough data | Feature Not Available | 
| **ERP** | Not enough data | 8.8 (332 reviews) ✓ Verified | 
| **Account Sync** | Not enough data | 8.9 (211 reviews) ✓ Verified | 

#### Agentic AI - Invoice Management

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Cross-system Integration** | Not enough data | 8.7 (47 reviews) | 
| **Adaptive Learning** | Not enough data | 8.8 (47 reviews) | 
| **Proactive Assistance** | Not enough data | 8.8 (48 reviews) | 

### Travel Management

| Product | Score | Reviews |
|---|---|---|
| **Mercury** | N/A | N/A |
| **SAP Concur** | 8.5/10 | 4841 |

#### Expense Reporting

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Expense Automation** | Not enough data | 8.9 (415 reviews) ✓ Verified | 
| **Integration** | Not enough data | 8.5 (368 reviews) ✓ Verified | 
| **Compliance** | Not enough data | 8.9 (382 reviews) ✓ Verified | 
| **Mobile Functionality** | Not enough data | 8.6 (394 reviews) ✓ Verified | 

#### Travel Management

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Ease of Booking** | Feature Not Available | 8.2 (3407 reviews) ✓ Verified | 
| **Itinerary Management** | Feature Not Available | 8.3 (3219 reviews) ✓ Verified | 
| **Trip Notifications** | Feature Not Available | 8.5 (3162 reviews) ✓ Verified | 
| **Advanced Integrations** | Feature Not Available | 8.3 (2374 reviews) ✓ Verified | 

#### Approval 

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Rules** | Not enough data | 8.8 (391 reviews) ✓ Verified | 
| **Workflows** | Not enough data | 8.9 (391 reviews) ✓ Verified | 
| **Submit** | Not enough data | 9.2 (428 reviews) ✓ Verified | 

#### AI - Travel Management

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Personalization** | Not enough data | 8.2 (102 reviews) | 
| **Predictive Analytics** | Not enough data | 8.1 (100 reviews) | 
| **Cost Savings** | Not enough data | 8.3 (107 reviews) | 
| **Efficiency** | Not enough data | 8.3 (104 reviews) | 
| **Real-Time Assistance** | Not enough data | 8.5 (103 reviews) | 

#### Agentic AI - Travel Management

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | 8.3 (55 reviews) | 
| **Proactive Assistance** | Not enough data | 8.2 (55 reviews) | 

#### Employee Risk Management

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Emergency Assistance Integration** | Not enough data | Not enough data | 
| **Policy Enforcement & Compliance** | Not enough data | Not enough data | 
| **Traveler Tracking** | Not enough data | Not enough data | 
| **Risk Alerts & Safety Notifications** | Not enough data | Not enough data | 

#### Sustainability & Reporting

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Sustainability Reporting** | Not enough data | Not enough data | 
| **Green Travel Recommendations** | Not enough data | Not enough data | 
| **Carbon Emissions Tracking** | Not enough data | Not enough data | 

### Billing

| Product | Score | Reviews |
|---|---|---|
| **Mercury** | N/A | N/A |
| **SAP Concur** | N/A | N/A |

#### Bill Generation

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Templates** | Not enough data | Not enough data | 
| **Digital Billing** | Not enough data | Not enough data | 
| **Recurring Billing** | Not enough data | Not enough data | 

#### Bill Processing

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Consolidation** | Not enough data | Not enough data | 
| **Batch Invoicing** | Not enough data | Not enough data | 
| **Management** | Not enough data | Not enough data | 

#### Integration

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Accounting** | Not enough data | Not enough data | 
| **Payments** | Not enough data | Not enough data | 
| **ERP** | Not enough data | Not enough data | 

#### Agentic AI - Billing

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 

### Accounting & Finance

| Product | Score | Reviews |
|---|---|---|
| **Mercury** | N/A | N/A |
| **SAP Concur** | N/A | N/A |

#### Agentic AI - Accounting & Finance

| Feature | Mercury | SAP Concur | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 

---
## Categories
**Shared Categories (2):** [Accounts Payable Automation Software](https://www.g2.com/categories/ap-automation), [Expense Management Software](https://www.g2.com/categories/expense-management)

**Unique to Mercury (2):** [Billing Software](https://www.g2.com/categories/billing), [Spend Management Software](https://www.g2.com/categories/spend-management)

**Unique to SAP Concur (2):** [Invoice Management Software](https://www.g2.com/categories/invoice-management), [Travel Management Software](https://www.g2.com/categories/travel-management)


---
## Reviewer Demographics

### By Company Size

| Segment | Mercury | SAP Concur | 
|---|---|---|
| **Small-Business** | 90.1% | 8.9% | 
| **Mid-Market** | 8.1% | 36.3% | 
| **Enterprise** | 1.8% | 54.9% | 

### By Industry

#### Mercury

- **Computer Software:** 18.2%
- **Information Technology and Services:** 14.5%
- **Marketing and Advertising:** 8.2%
- **Wholesale:** 5.5%
- **Accounting:** 3.6%
- **Design:** 3.6%
- **Management Consulting:** 3.6%
- **Consulting:** 3.6%
- **Entertainment:** 2.7%
- **Health, Wellness and Fitness:** 2.7%
- **Other:** 33.6%

#### SAP Concur

- **Information Technology and Services:** 8.3%
- **Computer Software:** 7.0%
- **Hospital & Health Care:** 5.5%
- **Higher Education:** 4.4%
- **Financial Services:** 4.0%
- **Marketing and Advertising:** 3.3%
- **Accounting:** 3.1%
- **Internet:** 2.8%
- **Non-Profit Organization Management:** 2.6%
- **Retail:** 2.6%
- **Other:** 56.3%

---
## Alternatives

### Alternatives to Mercury

- [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1602 reviews)
- [Rho](https://www.g2.com/products/rho/reviews) — 4.7/5 stars (126 reviews)
- [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2458 reviews)
- [Xero](https://www.g2.com/products/xero/reviews) — 4.4/5 stars (1680 reviews)
- [BILL Spend & Expense (Formerly Divvy)](https://www.g2.com/products/bill-spend-expense-formerly-divvy/reviews) — 4.5/5 stars (2108 reviews)
- [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5653 reviews)
- [BILL AP/AR](https://www.g2.com/products/bill-ap-ar/reviews) — 4.4/5 stars (1807 reviews)
- [Timesheets.com](https://www.g2.com/products/timesheets-com/reviews) — 4.2/5 stars (464 reviews)
- [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9248 reviews)
- [Emburse Spend (formerly Abacus)](https://www.g2.com/products/emburse-spend-formerly-abacus/reviews) — 4.5/5 stars (1125 reviews)

### Alternatives to SAP Concur

- [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2458 reviews)
- [Webexpenses](https://www.g2.com/products/signifo-webexpenses/reviews) — 4.4/5 stars (2124 reviews)
- [Stampli](https://www.g2.com/products/stampli/reviews) — 4.6/5 stars (1958 reviews)
- [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1602 reviews)
- [Coupa](https://www.g2.com/products/coupa-software-coupa/reviews) — 4.2/5 stars (569 reviews)
- [Tipalti](https://www.g2.com/products/tipalti/reviews) — 4.5/5 stars (417 reviews)
- [Spendesk](https://www.g2.com/products/spendesk/reviews) — 4.6/5 stars (413 reviews)
- [Paylocity](https://www.g2.com/products/paylocity/reviews) — 4.4/5 stars (6079 reviews)
- [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9248 reviews)
- [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5653 reviews)

---
## Top Discussions

### Mercury

No discussions available for this product.

### SAP Concur

- Title: [Is it now possible to book trains?](https://www.g2.com/discussions/is-it-now-possible-to-book-trains) — 8 comments, 3 upvotes
  > **Top comment:** "Yes, you are able to book rail tickets."
- Title: [What is SAP Concur used for?](https://www.g2.com/discussions/what-is-sap-concur-used-for) — 6 comments, 2 upvotes
  > **Top comment:** "Concur is used for logging and submitting expenses, travel, mileage, etc."
- Title: [How much does SAP concur cost?](https://www.g2.com/discussions/how-much-does-sap-concur-cost) — 2 comments
  > **Top comment:** "9$ per month"
- Title: [Implementation experiences?](https://www.g2.com/discussions/implementation-experiences) — 2 comments, 1 upvote
  > **Top comment:** "Until some time ago was not a cheap tool but i believe they changed their license model to accommodate small companies.
I used it in the past and required..."
- Title: [what is the best way to put the Hotel expense by single night rate with out the 1/1000 of the place](https://www.g2.com/discussions/what-is-the-best-way-to-put-the-hotel-expense-by-single-night-rate-with-out-the-1-1000-of-the-place) — 2 comments, 1 upvote
  > **Top comment:** "You'll first start by putting in the nights you stay, then it will break out your hotel equally by the nights you stayed. Then you'll want to go into each..."

---
**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/mercury-mercury-vs-sap-concur)