SAP Concur vs Zoho Expense

webexpenses

QuickBooks Online

Expensify

Webexpenses provides simple, intuitive cloud-based software for smarter expense management and invoice processing, with full support and seamless integration.

QuickBooks Online is an all-in-one online business software designed to help manage business finances. The platform is built to scale businesses, unlocking insights and providing the functionality of a larger team, all on one integrated platform.

Expensify is an expense management platform that automates receipt scanning, expense tracking, and employee reimbursements. The software includes features such as corporate card management, travel booking capabilities, and integration with accounting systems including QuickBooks, NetSuite, Sage Intacct, and Xero. Expensify offers global reimbursement processing and allows organizations to link existing corporate cards from banks worldwide.

Vice President, Human Resources and Administration

Unfortunately SAP Concur's customer support, particularly during the disconnect process, was abysmal. When we requested the disconnect, we were offered no guidance or information from our customer success team re: how/when to download archived data, even after multiple requests by phone and in writing.

Executive Assistant

Customer service was always helpful, answered my emails or calls right away, and helped my team get the best flights available.

See your spending clearly. Manage it proactively. Know the status of every vendor invoice immediately. Make it all easy with Concur.

1099 Preparation

Accounting

Accounting Integration

Accounts Payable

Accounts Receivable

ACH Payment Processing

Activity Dashboard

Activity Tracking

Aging Tracking

Alerts/Notifications

Approval Process Control

Approval Workflow

Audit Management

Audit Trail

Bank Reconciliation

Billing & Invoicing

Booking Management

Cash Management

Categorization/Grouping

Check Writing

Compliance Management

Corporate Card

Credit Card Management

Customizable Fields

Customizable Reports

Dashboard

Dashboard Creation

Data Import/Export

Duplicate Payment Alert

Electronic Funds Transfer

Electronic Payments

ERP integration

Expense Claims

Expense Management

Expense Tracking

Financial Management

Financial Reporting

For Medical Purposes

For Small Businesses

Fraud Detection

General Ledger

Invoice Creation

Invoice Management

Invoice Processing

Mileage Tracking

Mobile Access

Mobile App

Mobile Receipt Upload

Multi-Currency

Multi-Language

Multi-Location

Online Booking

Payment Processing

Payment Reconciliation

Performance Metrics

Policy Management

Purchase Order Management

Purchase Order Reconciliation

Real-time Alerts

Real-Time Analytics

Real-Time Notifications

Real-Time Reporting

Receipt Management

Recurring Payments

Reimbursement Management

Reminders

Remote Access/Control

Reporting/Analytics

Reporting & Statistics

Restriction Management

Single Sign On

Spend Analysis

Spend Control

Third-Party Integrations

Time & Expense Tracking

Time Tracking

Travel Management

Vendor Management

Workflow Management

Reviews for SAP Concur come from a wide variety of industries, including computer software (8% of reviewers), information technology and services (6%), and hospital & health care (4%). The most frequent use case for SAP Concur cited by reviewers is expense report management (78% of reviewers).

Users and use cases

Reviewers appreciate the transparent pricing and straightforward sales process, and some users say SAP Concur is affordable for larger organizations. However, many users report high costs for small businesses and feel cheaper alternatives offer better value for money.

Value for money

The SAP Concur integrations most frequently cited by reviewers are: NetSuite (an accounting product rated 4.7 out of 5 for its integration with SAP Concur) and Microsoft Excel (a spreadsheet product, 4.3).

Integrations

SAP Concur is an expense report solution offering key features such as expense tracking, receipt management, expense claims, reimbursement management, and mobile receipt upload, among others.

SAP Concur

Web-based

Android

iPhone

iPad

Windows

Zoho Expense

Emburse Expense Professional

Emburse Expense Enterprise

BILL Spend & Expense

Ramp

ExpensePoint

Payhawk

Happay

Tipalti

BILL Accounts Payable & Receivable

Automate

Insights

Optimize

Inconsistent and excessive notifications

50% of reviewers feel negative about SAP Concur’s email notifications. Reviewers report issues with receiving too many or too few notifications, leading to confusion about the status of reports and approvals. Some users say alerts are not always timely or accurate, and that important notifications can be missed or sent to incorrect links. They indicate that the frequency and clarity of emails could be improved, and that resolving notification-related problems often requires multiple support interactions. Users think these inconsistencies hinder effective communication.

High cost for small businesses

60% of reviewers feel negative about SAP Concur’s pricing. Reviewers say the software is expensive, especially for small businesses, with high annual subscription fees and additional costs for training or configuration. Some users report that the per-user pricing model and extra charges for certain features make it less accessible for organizations with limited budgets. They indicate that the value received may not justify the cost, particularly when compared to alternative solutions. Users think the pricing structure can be a barrier to adoption and ongoing use.

Frequent errors and glitches

University Admin

It's super complicated, I kept getting error message after error message and couldn't figure out what was wrong.

65% of reviewers feel negative about SAP Concur’s bugs and issues. Reviewers report encountering frequent error messages, crashes, and confusing alerts that are difficult to resolve without administrator help. Some users say the software is rigid, requiring processes to be restarted if mistakes occur, and that error messages often lack clarity. They indicate that support for resolving technical problems is slow or unhelpful, and that glitches can disrupt daily tasks. Users think these persistent issues make the platform unreliable and time-consuming to troubleshoot.

Sluggish and outdated interface

82% of reviewers feel negative about SAP Concur’s performance and speed. Reviewers indicate that the web and mobile interfaces are often slow to load, with frequent lags and occasional crashes during heavy use or large uploads. Some users say the design feels outdated and cluttered, making navigation and task completion cumbersome. They report that system updates can disrupt workflows and that the platform’s responsiveness suffers on certain browsers or with poor internet connections. Users think these issues lead to frustration and lost productivity.

Cumbersome data entry requirements

49% of reviewers feel negative about SAP Concur’s form fields and options. Reviewers indicate that submitting expenses often requires filling out numerous, sometimes redundant, fields, which can be overwhelming and time-consuming. Some users say the interface is cluttered, with small text and confusing dropdowns, making it difficult to know which information is required. They report that error alerts appear late in the process, and that editing or correcting entries can be tedious. Users think the complexity of forms detracts from overall usability.

Robust integration capabilities

System Specialist

Platform's integrations with popular accounting and HR systems, such as QuickBooks and Workday, which makes this a Powerful System.

 Associate Product Manager

The user-friendly platform also has a wide range of integrations with other software and services, making it easy to sync up with the solutions you already use.

82% of reviewers feel positive about SAP Concur’s integrations. Reviewers appreciate the seamless connections with popular accounting, HR, and travel systems such as QuickBooks, Workday, and Salesforce. Some users say integrations with credit cards, ride-share apps, and internal company platforms simplify expense tracking and automate data entry. They indicate that pre-built connectors and APIs make it easy to sync with existing workflows, reducing manual work and errors. Users think the broad integration options enhance productivity and provide a unified experience across business tools.

Timely and simple reimbursements

90% of reviewers feel positive about SAP Concur’s reimbursement process. Reviewers appreciate how quickly they receive reimbursements after submitting expenses, often mentioning that funds are deposited within days of approval. Some users say the mobile app and real-time receipt submission make the process even more convenient. They indicate that the platform provides clear tracking of submitted expenses and reimbursement status, reducing anxiety about out-of-pocket spending. Users think the streamlined process saves time for both employees and finance teams, making reimbursements predictable and hassle-free.

Streamlined approval workflows

Staff Accountant

I like that we are able to route the approvals to different people if we need to or send it back to the originator for adjustments.

84% of reviewers feel positive about SAP Concur’s approval process. Reviewers appreciate the automated workflows that route expenses for approval according to company policies, ensuring compliance and timely processing. Some reviewers find it easy to track the status of approvals and enjoy receiving notifications at each stage. Users indicate that the system allows for clear audit trails, visibility for both submitters and approvers, and the ability to approve or review reports from mobile devices. They say this leads to faster reimbursements and more efficient collaboration between departments.

Lead application support analyst

For example, when you create a request before the business travel and get approval, you need to append some invoice in the detail when you apply for the expense reimbursement, but some expense can be daily fixed, the form will not direct you about it.

Curriculum Designer and Trainer II

I am not a fan of SAP concurs AI tool that automatically pulls information from the receipt and puts it into each category because, in my experience, most of the time the information that the AI pulls from the receipt is not correct.

Senior IT Manager

Great tool for submitting expenses, I like the feature that automatically identifies the value of the receipt as you load it in.

I would like to see improvements with their AI tool when pulling items from the receipts and putting it into the expense reports because that would be helpful especially if there are several expenses and items to itemize.

Accounts Payable executive

I use concur for 2 years and it workes sooo smoothly for AP processing, easy simple invoice processing easier to make ACH payments

I like the profile page and all the detail you provide for the traveler from frequent traveler number and airline, TSA number etc and it is stored for future use

Project Manager

It helps us do our jobs, and it's an essential part of our processes at IBM. Although I don't have a specific feature that stands out, everything within SAP Concur is equally valuable because they are all part of the whole system.

Systems Administrator

It makes submitting and paying invoices seamless while also adding the ability to travel book trips.

Junior Golf Tournament Manager

SAP Concur is great for companies where multiple employees are using a company credit card or submitting expenses for reimbursements.  

Sometimes assigning a cost center to invoices can be a little gimmicky which can take longer to close out expense reports.

Operations manager

It can be cumbersome to work through expense reports with multiple different click throughs and flags to respond to.

Global Finance Shared Services Manager

Concur is often a bit clunky to use on the back end, with poor reporting, slow customer service response and action, and while it's customizable for our needs, its completed in an odd way that takes longer than you think it should.

VP of Marketing

They offer some process automation that help reducing errors and save time reentering the information.

HR Director

Uploading receipts to the system which I felt was outdated because you had to scan your receipts to provide proof

IT Service Desk Manager

The integration with corporate traveller, allowing users to claim expenses and book accommodation / travel in one application, reports / analytics are therefore available on spend across all these areas.  

FIELD ESTIMATOR

The software integration allows for auto-filling information for each expense, which takes the majority of the brain work away from completing all expense reports.

Managing Solicitor

This software has enabled us to monitor all our work expenses,manage our schedules and also manage our work relationships trouble freely.

Organization Manager

SAP Concur has a mobile application which allows me to track and manage expenses in real-time which eradicate fraud.

civil engineer

It is perfect for reporting each expense made on each trip without having complications of forgetting something to report, everything is done in real time and it greatly facilitates the process of validating each expense and thus having a clear and organized report, it allows for a more detailed development of each user's trips

Product Systems Assistant

I like that Concur allows you to easily make updates to a expense report as well as being able to recall it once submitted if something is incorrect.

ML Engineer

I like that SAP Concur keeps a history of all submitted expenses, making it easy to track past reports and reference previous submissions when needed.

I find SAP Concur to be quite useful, as it solves the problem of making sure that reporting is done correctly and efficiently.

Director of Maintenance

Great tool for our company and make creating and submitting expense reports easy.

It helps us manage all our work activities and corporate expenses like pros,also controlling the development of all our employees corporate travel is a breeze.

Sub Agent

Ease of adding receipts and scan from a mobile phone with the app, ease of following the approval process and checking status of claims.

I have used the software for over three years and each year the software develops new and innovative ways to make expense tracking and expense reports simpler, and more time efficient.

Ergonomy could be improved, for example you cannot remove a receipt once uploaded, unless you delete the line and create a new one, that's annoying.

Internal Audit Associate

I like using Concur for my own expenses, and it comes with a mobile application that has the same user experience that the desktop version does.

Video Production Specialist

I had a technically issue arise that would not let me attach an expense to a specific report.

Senior Client Manager

The AI technology, incorporated in the platform can be challenging. When taking a picture and uploading the receipt information, Concur doesn't always correctly capture the information which can lengthen the process.

Chief Architect and Director of Development

It insists on using the shortest route, not necessarily the route taken given consideration to traffic, accidents, etc.

Director of Operations

The web app makes it difficult to select files to upload.

Marketing Operations Specialist

The software makes it challenging to locate past submitted expense reports and receipts to review them.

Overall, I find SAP Concur useful and it gets the job done, but it’s not without challenges. While I like having visibility into my expense history, I sometimes find it difficult to track certain details or add new items smoothly.

SAP Concur vs Zoho Expense Comparison (2026)

SAP Concur

Zoho Expense

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives