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We use Concur at work and it's pretty painless. I scan most of my receipts with the app, usually in one big batch at the airport while I'm waiting around, do cleanup the next day (taxi/uber fare or parking receipts from the airport or whatever), and the reimbursement is included on my 2nd next paycheck at latest, which is direct-deposited anyway.

Maybe the incumbents are good for the enterprise and Abacus is for small/medium business?

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With Abacus, you'd never have to worry about scanning receipts at the airport and "cleaning up" the next day to fit all your expenses into an arbitrary report because it was so quick and easy to do in real time, that not only did you submit it when it happened and throw away the receipt, but the money was in your bank account before you even got home from your business trip.

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