Control Company Costs
Why Integrating Your Corporate Cards and P-Cards into One Workflow Matters
When it comes to controlling business spend, timing and visibility are everything. Yet many finance and AP teams still struggle with manual processes, inconsistent card workflows, and limited insight into transactions.
The result? Budget surprises, delayed reconciliation, and compliance risks that are harder to detect and manage.
That’s why integrating your card programs with SAP Concur solutions is so powerful. It simplifies reconciliation, strengthens compliance, and gives your finance team the confidence to manage spending proactively.
Corporate Cards vs. P-Cards: What’s the Difference?
Both card types bring unique advantages:
- Corporate cards are for everyday business expenses like employee travel and meals. They are issued to employees so transactions can flow directly into expense reports, saving time, reducing errors, and giving finance better visibility and control.
- Purchasing cards (P-cards) are issued for vendor or department purchases, often for lower-value goods and services like office supplies, software, or catering. They offer richer data (merchant codes, purchase limits, line-item details) and allow organizations to set strict controls—such as monthly limits or vendor restrictions—to reduce misuse.
When combined on a single platform, P-cards and corporate cards give finance teams a holistic view of employee and vendor spend. This unified spend management process means fewer blind spots, faster reconciliation, and more consistency across the business.
5 Benefits of Card Integration with Concur Technology
So, why does integrating your corporate cards and p-cards into one workflow matter? It delivers measurable benefits across the company like visibility, compliance, automation, and control. Let's dive into the key advantages:
1. Real-Time Visibility into Spend
One of the biggest complaints we hear from finance and procurement departments is “I don’t have the data.” “I cannot get my arms around the details of what we are spending.” “How much by vendor?” “How much by employee or department?”
At SAP Concur, we combine the wealth of data with our powerful reporting to provide the spend visibility that companies like you are looking for. Within days of a transaction, automation and AI provides near real-time data, so you can cut out the middleman and forgo manually tracking each individual expense.
Why it matters: Shifts your spend management program from reactive to proactive, giving managers earlier notice.
“We have better visibility into employee spend by using our corporate T&E cards, while also ensuring adherence to our company’s policies... Concur solutions have helped us drive adoption of our T&E cards, which has made a huge contribution to the company by allowing us to realize much larger rebates under this program .”
- Scott Weatherholt, COO, Weatherford
2. Streamline Reconciliation and Approval
Manual reconciliation is time-consuming and error prone, taking up to nearly 60% of a finance team’s time with daily tasks rather than strategy. As an extended service for Concur Expense, each company card program can have its own policy, expense type and general ledger (GL) mapping for data capture. You can think of it as the bridge between expenses and the accounting system, so everything lands in the right place. This allows our customers to clearly separate and manage their purchasing card programs for non-travel-related expenses.
Why it matters: Reduce errors and accelerates closing cycles, giving finance and AP teams more accurate compliance reporting.
3. One Workflow, Every Card Type
Disjointed processes create confusion for employees and managers. Only Concur solutions unify P-Card transactions, corporate card transactions, travel purchases, and invoices into one workflow. By unifying card workflows, organizations benefit from:
- Consistent submission and approval workflows for finance
- Built-in policy enforcement without slowing employees down
- Greater adoption thanks to a familiar, streamlined experience
Why it matters: A single, consistent workflow makes life simpler for finance managers and employees while ensuring spending is captured correctly the first time.
4. Stronger Compliance and Control
75% of finance leaders say their business often exceeds expense, travel, and invoice budgets. If we asked Ramit Sethi to comment on that, he’d probably say: “That’s not just ‘the cost of doing business.’ That’s broken systems and weak planning.”
Our point is manual oversight can only go so far — especially when spend happens across multiple card programs and vendors. That’s where automation and integration really help. With Concur solutions, compliance isn’t just checked after the fact — it’s built into the process. Make it easier to spot patterns, enforce procedures, and strengthen controls. And because transactions flow directly from your bank, you’re not relying on employees to self-report.
Why it matters:
- AP and finance teams cut manual processes and reduce compliance risk.
- Audit teams gain a clear trail of vendor transactions, thresholds, and approvals.
- Leaders can trust that every purchase follows policy, without slowing employees down.
5. Simplifying the Next Step
Card integration isn’t a standalone product — it’s a capability within Concur solutions. With Company Bill Statements your organization can automate the p-card process, strengthen compliance, and maximize the value of its card programs:
Why it matters: Move beyond tedious tracking to real-time visibility, policy enforcement, and tangible financial gains.
Control Card Spend with Company Bill Statements
Whether your employees rely on corporate cards, P-cards, or both, Company Bill Statements integrates with Concur Expense to bring them together in one connected platform.
Our 2025 innovation award winner shows us what’s possible: by moving away from decentralized processes spread across 40+ card programs and dozens of local systems, Weatherford gained visibility, cut manual workloads, and improved the employee experience. The result? A 47% boost in workforce efficiency, 25% lower T&E operations costs, and an estimated $5 million in savings—driven by automation, visibility, and control.
Read the full Weatherford case study
