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Unlock Total Spend & Payment Automation: SAP Concur + Sage Pay (Opayo) Integration

Seamlessly connect Concur's powerful expense and invoice management with Opayo's secure payment processing. Automate reimbursements, vendor payments, and reconciliation with AI-powered, low-code integration.

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The Challenge

The Hidden Costs of Disconnected Spend & Payment Processes

For mid-market companies, managing expenses and invoices in SAP Concur while processing payments through Sage Pay (Opayo) often involves a frustrating and error-prone manual gap. This disconnect creates significant operational bottlenecks, compliance risks, and a lack of real-time financial insight.

  • Manual data entry between Concur approvals and payment initiation.
  • Delayed employee reimbursements and vendor payments.
  • Inconsistent payment statuses across systems leading to reconciliation nightmares.
  • Increased risk of human error in financial postings and payment processing.
  • Lack of comprehensive, real-time visibility into actual spend vs. paid amounts.
  • Compliance concerns, especially around PCI DSS for payment data and financial audit trails.
  • Overburdened finance teams spending hours on repetitive, administrative tasks.
Integration Diagram
Solution Illustration
The Solution

AI-Powered iPaaS: The Intelligent Bridge Between SAP Concur & Sage Pay (Opayo)

Our AI-first iPaaS solution provides a seamless, intelligent bridge between SAP Concur and Sage Pay (Opayo), automating the entire procure-to-pay and expense reimbursement lifecycle. By leveraging advanced AI and intuitive low-code/no-code tools, we empower your business to achieve unprecedented efficiency, accuracy, and control over your financial operations.

  • Real-time Expense Reimbursement Automation
  • Automated Vendor Invoice Payment Processing
  • Intelligent Corporate Card Transaction Reconciliation
  • Secure Payment Tokenization & PCI DSS Compliance
  • Comprehensive Financial Data Synchronization
Implementation Timeline

Go live with SAP Concur + Sage Pay in as little as 2–4 weeks.

A proven, repeatable implementation approach that minimizes risk while getting your team to value quickly.

1

Access Enabled

Secure connections established to both SAP Concur and Sage Pay , with credentials and environments confirmed.

2

Configuration & Mapping

Field mappings, business rules, and workflows configured using visual tools and pre-built templates.

3

Go Live

Launch production-ready integration with monitoring, alerting, and support in place—typically within 2–4 weeks.

Time to Value

2–4 weeks

Typical implementation window from access granted to production go-live for most SAP Concur + Sage Pay deployments.

Project Phases

Discovery
Configure & Map
Validate
Launch

Engagement Model

Guided by Clarity experts with your team involved at key milestones.

Comprehensive Solution Details

  • Real-time Expense Reimbursement Automation
  • Automated Vendor Invoice Payment Processing
  • Intelligent Corporate Card Transaction Reconciliation
  • Secure Payment Tokenization & PCI DSS Compliance
  • Comprehensive Financial Data Synchronization
  • AI-Driven Policy Compliance & Fraud Detection
  • Low-Code/No-Code Workflow Customization

Integration Architecture: Connecting Concur and Opayo with Intelligence

Our integration leverages a robust iPaaS to create a resilient, scalable, and intelligent connection between SAP Concur and Sage Pay (Opayo). It's designed for event-driven, real-time synchronization, ensuring that financial data flows accurately and securely between your spend management and payment processing systems.

Data Flow Steps

Event Trigger: An action occurs in SAP Concur (e.g., Expense Report approved, Invoice approved).

iPaaS Listener: The iPaaS, via webhooks or intelligent polling, detects the Concur event.

Data Extraction (Concur): Relevant entities (e.g., 'Expense Report', 'Invoice', 'User', 'Vendor') are extracted from Concur via its APIs.

Data Transformation & Mapping (iPaaS): The extracted Concur data is mapped and transformed using low-code tools and AI suggestions to match Opayo's 'Payment Transaction' schema. This includes GL account mapping, currency conversion, and identifying the correct payment method.

Business Logic & Validation (iPaaS/AI): Custom rules (e.g., payment thresholds, specific vendor payment terms) are applied. AI performs real-time validation and flags potential policy breaches or fraud indicators.

Payment Initiation (Opayo): A 'Payment Transaction' request is securely sent to Sage Pay (Opayo) via its APIs.

Payment Processing (Opayo): Opayo processes the payment (reimbursement or vendor payment).

Status Update & Reconciliation (Opayo to Concur/ERP): Opayo's payment status is captured (via webhook or polling) by the iPaaS. This status, along with Opayo's 'transactionId', is then updated in SAP Concur's 'Payment Transaction' entity and synchronized to your ERP for reconciliation.

Error Handling & Monitoring: Throughout the process, the iPaaS monitors for errors, automatically retries transient failures, and alerts finance teams to critical issues via a centralized dashboard.

Data Touchpoints

SAP Concur: Expense Reports, Expense Entries, Invoices, Users/Employees, Vendors, Payment Transactions, Corporate Card Transactions, GL Accounts, Cost Centers, Approval Workflows, Policy Rules.
Sage Pay (Opayo): Payment Transactions, Orders, Customers, Refunds, Payment Tokens, Invoices (for status), Settlement Batches, Fraud Indicators.

"Concur (Event: Report Approved/Invoice Approved) --> iPaaS (Extract Concur Data) --> iPaaS (AI Map & Transform to Opayo Schema) --> iPaaS (Validate & Apply Business Rules) --> Sage Pay (Opayo) (Initiate Payment Transaction) --> Sage Pay (Opayo) (Process Payment) --> iPaaS (Capture Opayo Status) --> iPaaS (Update Concur/ERP Payment Status & Reconciliation)"

Pricing

Simple, transparent pricing for SAP Concur + Sage Pay .

Start with a single integration pair and scale as your business grows—without surprise fees or transaction penalties.

Connect™ Plan

Clarity Connect

$595 /mo

Billed annually • Includes one production integration pair

  • Unlimited transactions and API calls within fair-use limits.
  • Visual workflow designer and reusable mapping templates.
  • Monitoring, alerting, and access to Clarity’s support team.
View full pricing & options
Innovative & Robust

How Middleware Integration Works

Benefits of Integrating SAP Concur

Integrating SAP Concur fosters greater efficiency and data accuracy. Automate your critical business processes to deliver consistently outstanding results.

Hover over the steps on the right to see detailed integration points.
Data Mapping

Key Entities & Intelligent Mapping for Concur-Opayo Integration

Achieving seamless integration relies on precise mapping of critical business entities between SAP Concur and Sage Pay (Opayo). Our AI-powered iPaaS simplifies this complex process, ensuring data integrity and consistency across your financial systems.

Expense Report (Concur) to Payment Transaction (Opayo)

Automating the reimbursement process requires mapping an approved Concur Expense Report to an Opayo Payment Transaction for payout.

SAP Concur Fields

[field, ReportID],[description, Unique identifier for the expense report.] [field, EmployeeID],[description, ID of the employee to be reimbursed.] [field, TotalAmount],[description, Total amount of the expense report.] [field, Currency],[description, Currency of the total amount.] [field, ApprovalDate],[description, Date of final approval.] [field, GLPostingStatus],[description, Status indicating readiness for ERP posting.] [field, User/Employee.FirstName],[description, Employee's first name.] [field, User/Employee.LastName],[description, Employee's last name.] [field, User/Employee.Email],[description, Employee's email for payment notification.]

Sage Pay Fields

[field, vendorTxCode],[description, Your internal transaction reference (e.g., Concur ReportID).] [field, amount],[description, The amount to be paid.] [field, currency],[description, Currency of the payment.] [field, transactionType],[description, Type of transaction (e.g., 'Payment' or 'Refund' for payouts).] [field, customerEmail],[description, Recipient's email (e.g., employee's email).] [field, paymentMethod],[description, Method for payout (e.g., 'Bank Transfer' if supported, or other payout method).] [field, status],[description, Status of the payment transaction in Opayo.]

Mapping Notes

The Concur `ReportID` is critical for linking to Opayo's `vendorTxCode` for traceability. Employee details from Concur's `User/Employee` entity are used to populate Opayo's customer/recipient fields for accurate reimbursement. The Concur `TotalAmount` directly maps to Opayo's `amount`. Ensure currency consistency.

Next Steps

See SAP Concur + Sage Pay integration in action.

Explore a guided demo, start a sandbox integration, or speak directly with our solution architects about your specific use cases.

Start Free Trial Request Live Demo
Real-World Applications

Integration Use Cases

Explore how the integration behaves in real business scenarios, with clearly defined steps, outcomes, and execution patterns.

Automated Employee Expense Reimbursement

Seamlessly automate the entire reimbursement cycle from Concur approval to payment via Opayo. Employees get paid faster, and finance saves hours on manual processing.

Integration Steps:

  1. 0 Employee submits expense report in SAP Concur.
  2. 1 Concur's AI-driven checks and approval workflow process the report.
  3. 2 Upon final approval in Concur, an event triggers the iPaaS.
  4. 3 iPaaS extracts 'Expense Report' and 'User/Employee' data from Concur.
  5. 4 AI-assisted mapping translates Concur data into an Opayo 'Payment Transaction' request.
  6. 5 Opayo securely processes the reimbursement payment.
  7. 6 Payment status from Opayo is updated in real-time to Concur's 'Payment Transaction' entity and related ERP records.

Business Outcome

Reduced reimbursement cycle time from days to hours, improved employee satisfaction, accurate financial postings without manual intervention, enhanced audit trails.

Frequency

Event-driven (real-time upon Concur approval)

Business Value

Key Integration Benefits

Discover the strategic advantages and business value of seamless integration between your systems.

Accelerated Financial Close
Automate payment initiation and reconciliation, significantly reducing manual effort and speeding up month-end close processes.
Reduced Operational Costs
Eliminate manual data entry, error correction, and reconciliation tasks, leading to substantial cost savings in administrative overhead.
Enhanced Data Accuracy & Compliance
Minimize human error through automated data transfer and AI-driven validation, ensuring accurate financial records and adherence to PCI DSS, GDPR, and other regulations.
Real-time Financial Visibility
Gain instant insight into expense and invoice payment statuses, improving cash flow management and decision-making.
Improved Employee & Vendor Satisfaction
Ensure timely reimbursements for employees and prompt payments to vendors, fostering better relationships and loyalty.
Agile & Scalable Operations
Adapt to changing business needs with low-code workflow customization and scale your financial processes without heavy IT investment.
✨

Accelerated Financial Close

30% Faster Close

📋 What You Get

Automate payment initiation and reconciliation, significantly reducing manual effort and speeding up month-end close processes.

💼 Business Impact

This benefit directly contributes to 30% improvement in Faster Close, enabling your team to focus on high-value strategic initiatives.

Implementation Timeline

Go live with SAP Concur + Sage Pay in as little as 2–4 weeks.

A proven, repeatable implementation approach that minimizes risk while getting your team to value quickly.

1

Access Enabled

Secure connections established to both SAP Concur and Sage Pay , with credentials and environments confirmed.

2

Configuration & Mapping

Field mappings, business rules, and workflows configured using visual tools and pre-built templates.

3

Go Live

Launch production-ready integration with monitoring, alerting, and support in place—typically within 2–4 weeks.

Time to Value

2–4 weeks

Typical implementation window from access granted to production go-live for most SAP Concur + Sage Pay deployments.

Project Phases

Discovery
Configure & Map
Validate
Launch

Engagement Model

Guided by Clarity experts with your team involved at key milestones.

Technical Documentation

API Endpoints & Data Logic

Technical details for developers and architects.

Method Endpoint Purpose
GET, PUT /v3.0/expense/reports Retrieve approved expense reports and update their GL posting status.
GET, PUT /v3.0/invoice/invoices Access approved vendor invoices and update their payment status.
POST /v3.0/payments/payments Record payment details and status for expense reimbursements or vendor invoices initiated by Opayo.
GET /v3.0/common/users Retrieve employee details for reimbursement purposes.
GET /v3.0/common/vendors Retrieve vendor master data for invoice payments.
POST /v3.0/reporting/extracts Request and retrieve large data extracts for spend analytics and reconciliation.

⚡ Transformation Logic

  • Currency Conversion: Automatically convert amounts between Concur's reported currency and Opayo's payout currency based on real-time exchange rates or predefined rules.
  • GL Account Mapping: Map Concur Expense Types or Invoice Line Items to specific ERP General Ledger accounts, with AI assistance for suggestions.
  • Vendor/Employee ID Harmonization: Ensure consistent identification of vendors and employees across Concur, Opayo (for recipient info), and your ERP.
  • Status Code Mapping: Translate Opayo's detailed payment statuses into Concur's and your ERP's corresponding status codes.
  • Conditional Routing: Implement rules to route payments differently based on amount thresholds, cost centers, or specific policy rules (e.g., requiring additional approval for large reimbursements).

🛡️ Error Handling

  • Concur API unavailable/rate-limited: Handled by retry logic with exponential backoff.
  • Opayo payment failure: Status updated to Concur, and an alert is triggered for finance team review.
  • Data format mismatch: AI-driven validation and transformation prevent this, but if it occurs, the message is quarantined in a dead-letter queue.
  • Network interruptions: Automatic retries and circuit breakers ensure resilience.
Pricing

Simple, transparent pricing for SAP Concur + Sage Pay .

Start with a single integration pair and scale as your business grows—without surprise fees or transaction penalties.

Connect™ Plan

Clarity Connect

$595 /mo

Billed annually • Includes one production integration pair

  • Unlimited transactions and API calls within fair-use limits.
  • Visual workflow designer and reusable mapping templates.
  • Monitoring, alerting, and access to Clarity’s support team.
View full pricing & options
Support & Information

Frequently Asked Questions

Common questions about integration implementation, security, and best practices.

General Integration FAQs

▸ Why is a modern iPaaS essential for SAP Concur and Sage Pay (Opayo) integration?
A modern iPaaS (Integration Platform as a Service) is crucial because it goes beyond simple point-to-point connections. It provides a centralized, scalable hub for all Concur and Opayo integrations, offering robust capabilities for AI-assisted data mapping, low-code workflow orchestration, API management, comprehensive error handling, and security. This ensures resilient, auditable, and intelligent data flow for complex financial environments, crucial for mid-market growth.

AI & Automation FAQs

▸ How does AI enhance SAP Concur to Sage Pay (Opayo) workflows?
AI significantly augments these workflows by automating tasks like intelligent GL account code suggestions for Concur expenses, real-time policy compliance checks, and proactive fraud detection for Opayo payments. It also assists in auto-mapping fields, detecting anomalies in reconciliation, and generating workflow templates, drastically reducing manual effort, improving data accuracy, and providing proactive insights for better spend and payment management.

Use Cases FAQs

▸ Can I automate employee expense reimbursements directly from Concur via Opayo?
Absolutely. Our integration streamlines this by having an approved expense report in Concur automatically trigger a payment instruction to Sage Pay (Opayo). The iPaaS maps the employee and amount details, Opayo processes the reimbursement, and the payment status is updated back in Concur in real-time, ensuring timely and accurate payouts.
▸ Can this integration help with corporate card reconciliation?
Yes, while Opayo is a payment gateway, the iPaaS can integrate corporate card transaction feeds into Concur, intelligently match them to employee expense entries using AI, and then reconcile these against overall payment flows (potentially including Opayo's settlement data if applicable). This provides a holistic view, flags discrepancies, and automates much of the reconciliation process, improving data accuracy and audit readiness.

Low-Code/No-Code FAQs

▸ What are the benefits of low-code/no-code for Concur and Opayo integrations?
Low-code/no-code tools empower your finance and operations teams to build, modify, and optimize Concur and Opayo workflows without extensive coding. This accelerates development cycles, reduces reliance on IT, and allows business users to quickly adapt automation to changing policies or operational needs, such as custom approval routing, data validation rules, or new payment methods.

Security & Compliance FAQs

▸ How do you ensure PCI DSS compliance with Sage Pay (Opayo) integrations?
Sage Pay (Opayo) is PCI DSS Level 1 compliant. Our integration solution strictly adheres to PCI DSS best practices by leveraging Opayo's secure transaction processing and tokenization services. This means sensitive cardholder data never touches your systems directly; instead, only secure payment tokens are handled, drastically minimizing your PCI scope and ensuring data security.

Data Management FAQs

▸ How can I ensure data consistency between Concur, Opayo, and my ERP?
Our iPaaS establishes a robust, bi-directional data flow. It uses intelligent mapping, transformation rules, and AI validation to harmonize data between Concur (expenses, invoices), Opayo (payment transactions, settlements), and your ERP (GL, AP). Event-driven updates and comprehensive error handling ensure that financial records remain consistent across all systems, accelerating reconciliation and reporting.

Technical FAQs

▸ What kind of error handling is implemented for Concur-Opayo integrations?
Our integrations feature robust error handling including detailed logging, automated retry mechanisms with exponential backoff for transient API errors, and dead-letter queues for unprocessable messages. A centralized monitoring dashboard provides real-time visibility into integration health, allowing for quick identification, automated resolution where possible, and manual reprocessing of failed transactions.
Implementation Timeline

Go live with SAP Concur + Sage Pay in as little as 2–4 weeks.

A proven, repeatable implementation approach that minimizes risk while getting your team to value quickly.

1

Access Enabled

Secure connections established to both SAP Concur and Sage Pay , with credentials and environments confirmed.

2

Configuration & Mapping

Field mappings, business rules, and workflows configured using visual tools and pre-built templates.

3

Go Live

Launch production-ready integration with monitoring, alerting, and support in place—typically within 2–4 weeks.

Time to Value

2–4 weeks

Typical implementation window from access granted to production go-live for most SAP Concur + Sage Pay deployments.

Project Phases

Discovery
Configure & Map
Validate
Launch

Engagement Model

Guided by Clarity experts with your team involved at key milestones.

Pricing

Simple, transparent pricing for SAP Concur + Sage Pay .

Start with a single integration pair and scale as your business grows—without surprise fees or transaction penalties.

Connect™ Plan

Clarity Connect

$595 /mo

Billed annually • Includes one production integration pair

  • Unlimited transactions and API calls within fair-use limits.
  • Visual workflow designer and reusable mapping templates.
  • Monitoring, alerting, and access to Clarity’s support team.
View full pricing & options
Next Steps

See SAP Concur + Sage Pay integration in action.

Explore a guided demo, start a sandbox integration, or speak directly with our solution architects about your specific use cases.

Start Free Trial Request Live Demo