# SAP Concur vs Xero Comparison
---
## AI Generated Summary
- **G2 reviewers report** that SAP Concur excels in managing employee reimbursements, with users highlighting its solid workflow and ease of setup. The integration capabilities with various ERPs are particularly praised, making it a strong choice for organizations that require comprehensive expense management.
- **Users say** Xero stands out for its intuitive interface and automated bookkeeping features. Reviewers appreciate the automated rules for reconciliation, which simplify the process of matching and categorizing transactions, making it a favorite among small businesses looking for efficiency.
- **According to verified reviews** , SAP Concur's AI capabilities significantly enhance the user experience by streamlining the expense reporting process. Users find that the system automatically reads receipt details, saving time and reducing manual entry errors, which is a major plus for busy professionals.
- **Reviewers mention** that Xero's ease of use is a key advantage, particularly for users managing their own accounts. The platform's ability to quickly reconcile bank accounts and handle mileage tracking is frequently highlighted, making it a practical choice for small business owners.
- **G2 reviewers note** that while SAP Concur has a higher overall satisfaction score, it faces challenges in user experience compared to Xero. Users have reported that Concur can be less intuitive, particularly for new users, which may require additional training or support.
- **Users highlight** that Xero's strong performance in invoice management, with features like digital invoice creation and delivery, positions it as a robust tool for small businesses. The platform's ability to handle recurring invoices and automate payment tracking is particularly beneficial for users looking to streamline their financial processes.



| | SAP Concur | Xero | 
|---|---|---|
| **Star Rating** | 4.0 out of 5 | 4.4 out of 5 | 
| **Total Reviews** | 7,051 | 1,583 | 
| **Largest Market Segment** | Enterprise (55.0% of reviews) | Small-Business (71.0% of reviews) | 
| **Entry Level Price** | Starting at $7.00 | $13.00 Per Month | 

---
## Top Pros & Cons

### SAP Concur

Pros:
- Ease of Use (528 reviews)
- Expense Management (429 reviews)

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

### Xero

Pros:
- Ease of Use (847 reviews)
- Invoice Management (362 reviews)

Cons:
- Missing Features (314 reviews)
- Limited Options (169 reviews)

---
## Ratings Comparison
| Rating | SAP Concur | Xero | 
|---|---|---|
  | **Meets Requirements** | 8.7 (5925 reviews) | 8.7 (1244 reviews) | 
  | **Ease of Use** | 8.0 (6002 reviews) | 9.0 (1284 reviews) | 
  | **Ease of Setup** | 8.0 (1362 reviews) | 8.7 (970 reviews) | 
  | **Ease of Admin** | 8.1 (887 reviews) | 8.7 (407 reviews) | 
  | **Quality of Support** | 8.0 (4321 reviews) | 8.3 (1151 reviews) | 
  | **Has the product been a good partner in doing business?** | 8.1 (869 reviews) | 8.6 (401 reviews) | 
  | **Product Direction (% positive)** | 7.3 (5817 reviews) | 8.7 (1215 reviews) | 

---
## Pricing

### SAP Concur

#### Entry-Level Pricing

Plan: Concur Expense

Price: Starting at $7.00

Description: Core expense management for growing teams

Key Features:
- Everything you need to automate expense reporting and reimbursements
- Configurable controls and analytics
- AI powered efficiency

[Browse all 2 editions](https://www.g2.com/products/sap-concur/pricing)

#### Free Trial

Yes

### Xero

#### Entry-Level Pricing

Plan: Starter / Early

Price: $13.00 Per Month

Description: Good for sole traders, new businesses, and the self-employed.

Key Features:
- Send quotes and 20 invoices
- Enter 5 bills
- Reconcile bank transactions

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

#### Free Trial

Yes

---
## Features Comparison By Category

### Expense Management

| Product | Score | Reviews |
|---|---|---|
| **SAP Concur** | 8.4/10 | 5177 |
| **Xero** | 8.1/10 | 356 |

#### Expense Reports

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Ease of Creating Expense Reports** | 8.5 (4515 reviews) ✓ Verified | 8.6 (222 reviews) | 
| **Bank / Credit Card Integration** | 8.6 (3554 reviews) ✓ Verified | 8.9 (227 reviews) | 
| **Smart Categorization** | 8.0 (3496 reviews) ✓ Verified | 8.4 (205 reviews) | 
| **Digital Receipt Management** | 8.5 (4310 reviews) ✓ Verified | 8.5 (206 reviews) | 
| **Employee Reimbursement** | 8.8 (4154 reviews) ✓ Verified | 8.3 (187 reviews) | 
| **Currency Conversions** | 8.5 (2096 reviews) ✓ Verified | 8.2 (188 reviews) | 
| **Credit Card Integration** | 8.6 (2885 reviews) ✓ Verified | 8.6 (201 reviews) | 

#### Agentic AI - Expense Management

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Autonomous Task Execution** | 8.1 (98 reviews) | 8.9 (82 reviews) | 
| **Cross-system Integration** | 8.1 (111 reviews) | 9.0 (82 reviews) | 

#### Travel Management

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Ease of Booking** | 8.2 (3396 reviews) ✓ Verified | 7.5 (166 reviews) | 
| **Itinerary Management** | 8.3 (3216 reviews) ✓ Verified | 7.0 (158 reviews) | 
| **Trip Notifications** | 8.5 (3160 reviews) ✓ Verified | 6.7 (156 reviews) | 
| **Advanced Integrations** | 8.3 (2372 reviews) ✓ Verified | 7.4 (162 reviews) | 

#### Client Invoicing

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Invoice Creation and Delivery** | 8.3 (1563 reviews) ✓ Verified | 9.1 (209 reviews) | 
| **Electronic Payments** | 8.5 (1730 reviews) ✓ Verified | 8.6 (188 reviews) | 
| **Project Accounting / Revenue Recognition** | 8.3 (1372 reviews) ✓ Verified | 8.4 (188 reviews) | 

#### Generative AI - Expense Management

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Image-to-Text** | Not enough data | Not enough data | 
| **Text Generation** | Not enough data | Not enough data | 
| **Text Summarization** | Not enough data | Not enough data | 

#### Mobile

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Receipt Capture** | 8.8 (3719 reviews) ✓ Verified | 8.2 (187 reviews) | 
| **Mileage Tracking** | 8.6 (2460 reviews) ✓ Verified | 7.4 (161 reviews) | 
| **Travel Itinerary and Flight Status Updates** | 8.6 (2690 reviews) ✓ Verified | 6.9 (154 reviews) | 

#### Platform

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Embedded AI / Machine Learning** | 7.8 (716 reviews) ✓ Verified | 8.0 (146 reviews) | 
| **Complex Approval Workflow** | 8.1 (2082 reviews) ✓ Verified | 8.0 (148 reviews) | 

#### Administration

| Feature | SAP Concur | Xero | 
|---|---|---|
| **PCI Regulation Compliant** | 8.3 (1163 reviews) ✓ Verified | 8.3 (141 reviews) | 

#### Administration

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Business Tool Integration** | 8.3 (1422 reviews) ✓ Verified | 8.3 (189 reviews) | 
| **Workflow** | 8.4 (1695 reviews) ✓ Verified | 8.3 (184 reviews) | 
| **Automated Reminders** | 8.4 (1598 reviews) ✓ Verified | 8.1 (181 reviews) | 
| **Policy Compliance Management** | 8.5 (1519 reviews) ✓ Verified | 8.0 (170 reviews) | 
| **User, Role, and Access Management** | 8.6 (1577 reviews) ✓ Verified | 8.5 (196 reviews) | 

#### Platform

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Reporting** | 8.4 (1726 reviews) ✓ Verified | 8.8 (221 reviews) | 
| **APIs / Integration** | 8.2 (1174 reviews) ✓ Verified | 8.3 (176 reviews) | 
| **Internationalization** | 8.3 (1124 reviews) ✓ Verified | 8.2 (165 reviews) | 
| **Performance and Reliability** | 8.3 (1975 reviews) ✓ Verified | 9.0 (198 reviews) | 
| **Mobile User Support** | 8.3 (1617 reviews) ✓ Verified | 8.2 (180 reviews) | 
| **Offline** | Feature Not Available | 5.8 (151 reviews) | 

### Accounting

| Product | Score | Reviews |
|---|---|---|
| **SAP Concur** | N/A | N/A |
| **Xero** | 8.3/10 | 1217 |

#### General Ledger

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Journal Entries** | Not enough data | 8.5 (633 reviews) ✓ Verified | 
| **Tags / Dimensions** | Not enough data | 8.1 (578 reviews) ✓ Verified | 
| **Audit Trail** | Not enough data | 8.5 (595 reviews) ✓ Verified | 

#### Accounts Receivable

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Invoice Customization** | Not enough data | 8.6 (661 reviews) ✓ Verified | 
| **AR Automation** | Not enough data | 8.3 (562 reviews) | 
| **Collections Automation** | Not enough data | 8.0 (560 reviews) ✓ Verified | 

#### Accounts Payable

| Feature | SAP Concur | Xero | 
|---|---|---|
| **AP Automation** | Not enough data | 8.4 (542 reviews) | 
| **Payment Processing** | Not enough data | 8.7 (622 reviews) ✓ Verified | 
| **Purchase Orders** | Not enough data | 8.4 (564 reviews) ✓ Verified | 

#### Other Functionality

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Inventory Tracking / Ordering** | Not enough data | 7.7 (502 reviews) | 
| **Inventory Pricing and Costing** | Not enough data | 7.7 (493 reviews) | 
| **Inventory Reporting** | Not enough data | 7.8 (479 reviews) ✓ Verified | 
| **Multi-Entity / Consolidation** | Not enough data | 7.7 (518 reviews) ✓ Verified | 
| **Recognition Rules** | Not enough data | 8.3 (545 reviews) ✓ Verified | 
| **Reconciliations** | Not enough data | 8.9 (723 reviews) ✓ Verified | 
| **Payroll** | Not enough data | 8.1 (555 reviews) ✓ Verified | 
| **Time and Expense** | Not enough data | 8.2 (539 reviews) | 

#### Reporting & Analytics

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Financial Statements** | Not enough data | 8.9 (723 reviews) ✓ Verified | 
| **Custom Reporting** | Not enough data | 8.4 (656 reviews) ✓ Verified | 
| **Budgeting / Forecasting** | Not enough data | 8.3 (532 reviews) ✓ Verified | 
| **Dashboards** | Not enough data | 8.7 (666 reviews) ✓ Verified | 

#### Platform

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Customization** | Not enough data | 8.1 (590 reviews) ✓ Verified | 
| **Workflow Capability** | Not enough data | 8.1 (544 reviews) | 
| **User, Role, and Access Management** | Not enough data | 8.5 (608 reviews) ✓ Verified | 
| **Internationalization** | Not enough data | 8.1 (506 reviews) ✓ Verified | 
| **Performance and Reliability** | Not enough data | 8.8 (674 reviews) ✓ Verified | 
| **Output Document Generation** | Not enough data | 8.5 (551 reviews) ✓ Verified | 

#### Integration

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Data Import and Export Tools** | Not enough data | 8.5 (598 reviews) ✓ Verified | 
| **Integration APIs** | Not enough data | 8.5 (536 reviews) | 
| **Breadth of Partner Applications** | Not enough data | 8.4 (582 reviews) ✓ Verified | 

#### Cash Flow

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Track Cash Flow** | Not enough data | 8.7 (505 reviews) ✓ Verified | 
| **Income and Expenses** | Not enough data | 9.0 (491 reviews) ✓ Verified | 
| **File Exports** | Not enough data | 8.6 (451 reviews) ✓ Verified | 

#### Budgeting & Forecasting

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Budgeting / Forecasting** | Not enough data | 8.3 (532 reviews) ✓ Verified | 
| **Data Import** | Not enough data | 8.5 (455 reviews) ✓ Verified | 
| **Versioning** | Not enough data | 8.2 (416 reviews) ✓ Verified | 
| **Historical Data** | Not enough data | 8.4 (447 reviews) ✓ Verified | 

#### Revenue

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Revenue Types** | Not enough data | 8.6 (471 reviews) ✓ Verified | 
| **Revenue Allocation** | Not enough data | 8.5 (455 reviews) ✓ Verified | 
| **Scheduling** | Not enough data | 8.2 (423 reviews) ✓ Verified | 

#### Payroll

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Direct Deposit** | Not enough data | 8.1 (407 reviews) ✓ Verified | 
| **Check/W-2 Printing** | Not enough data | 7.8 (394 reviews) ✓ Verified | 
| **Tax Calculation** | Not enough data | 8.3 (440 reviews) ✓ Verified | 
| **Reporting and Dashboards** | Not enough data | 8.6 (451 reviews) ✓ Verified | 

#### AI

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Data Extraction** | Not enough data | 8.0 (281 reviews) | 
| **Invoice Processing** | Not enough data | 8.5 (277 reviews) | 
| **Expense Management** | Not enough data | 8.4 (281 reviews) | 
| **Fraud Detection** | Not enough data | 8.1 (277 reviews) | 
| **Tax Compliance** | Not enough data | 8.2 (276 reviews) | 
| **Support Chatbots** | Not enough data | 7.8 (277 reviews) | 
| **Bank Reconciliations** | Not enough data | 8.7 (294 reviews) | 
| **Report Generation** | Not enough data | 8.6 (282 reviews) | 
| **Customizable Alerts** | Not enough data | 8.3 (273 reviews) | 
| **Predictive Analytics** | Not enough data | 8.2 (275 reviews) | 

#### Mobile Applications - Accounting

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Cloud Integration** | Not enough data | 8.7 (284 reviews) | 
| **Notifications** | Not enough data | 8.4 (262 reviews) | 
| **UI** | Not enough data | 8.6 (298 reviews) | 
| **Offline** | Not enough data | 7.1 (247 reviews) | 
| **Expense Tracking** | Not enough data | 8.6 (266 reviews) | 
| **Invoice Management** | Not enough data | 8.7 (273 reviews) | 

#### Agentic AI - Accounting

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | 8.2 (234 reviews) | 

### Nonprofit Accounting

| Product | Score | Reviews |
|---|---|---|
| **SAP Concur** | N/A | N/A |
| **Xero** | 8.7/10 | 1036 |

#### General Ledger

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Journal Entries** | Not enough data | 8.5 (633 reviews) ✓ Verified | 
| **Tags / Dimensions** | Not enough data | 8.1 (578 reviews) ✓ Verified | 
| **Audit Trail** | Not enough data | 8.5 (595 reviews) ✓ Verified | 

#### Accounts Receivable

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Invoice Customization** | Not enough data | 8.6 (661 reviews) ✓ Verified | 
| **AR Automation** | Not enough data | 8.3 (562 reviews) | 
| **Collections Automation** | Not enough data | 8.0 (560 reviews) ✓ Verified | 

#### Accounts Payable

| Feature | SAP Concur | Xero | 
|---|---|---|
| **AP Automation** | Not enough data | 8.4 (542 reviews) | 
| **Payment Processing** | Not enough data | 8.7 (622 reviews) ✓ Verified | 
| **Purchase Orders** | Not enough data | 8.4 (564 reviews) ✓ Verified | 

### AP Automation

| Product | Score | Reviews |
|---|---|---|
| **SAP Concur** | 9.2/10 | 142 |
| **Xero** | N/A | N/A |

#### Invoice Management

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Capture** | 9.2 (107 reviews) | Not enough data | 
| **Supplier Portal** | Feature Not Available | Not enough data | 
| **Repository** | 9.2 (99 reviews) | Not enough data | 

#### Invoice Processing

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Matching** | 9.3 (98 reviews) | Not enough data | 
| **Payments** | 9.2 (103 reviews) | Not enough data | 
| **Workflows** | 9.3 (105 reviews) | Not enough data | 
| **Tax Compliance** | 9.3 (98 reviews) | Not enough data | 

#### Analytics

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

#### Integration

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Accounting** | 9.3 (108 reviews) | Not enough data | 
| **Payment Integration** | 9.3 (102 reviews) | Not enough data | 
| **ERP** | 9.2 (106 reviews) | Not enough data | 

#### Risk

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Analysis** | Feature Not Available | Not enough data | 
| **Identification** | Feature Not Available | Not enough data | 
| **Scoring** | Feature Not Available | Not enough data | 

#### Recovery

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Recoup** | 9.0 (99 reviews) | Not enough data | 
| **Reporting** | 9.2 (102 reviews) | Not enough data | 

#### Audit

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

#### Fraud

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

#### Agentic AI - AP Automation

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

### Invoice Management

| Product | Score | Reviews |
|---|---|---|
| **SAP Concur** | 8.8/10 | 549 |
| **Xero** | 8.6/10 | 327 |

#### Invoice Generation

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Templates** | 8.6 (368 reviews) ✓ Verified | 8.4 (211 reviews) | 
| **Digital Invoices** | 8.9 (391 reviews) ✓ Verified | 9.0 (213 reviews) | 
| **Recurring Invoices** | 8.8 (355 reviews) ✓ Verified | 9.0 (207 reviews) | 

#### Invoice Processing

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Approvals** | 8.9 (438 reviews) ✓ Verified | 8.7 (203 reviews) | 
| **Batch Processing** | Feature Not Available | 8.6 (202 reviews) | 
| **Consolidation** | Feature Not Available | 8.3 (198 reviews) | 
| **Match Invoices** | 9.0 (227 reviews) ✓ Verified | 8.9 (209 reviews) | 

#### Analytics

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Due Dates** | Feature Not Available | 9.0 (207 reviews) | 
| **Cashflow** | 8.7 (326 reviews) ✓ Verified | 8.6 (207 reviews) | 
| **KPIs** | 8.8 (297 reviews) ✓ Verified | 8.2 (190 reviews) | 
| **Payment Tracking** | 9.1 (231 reviews) ✓ Verified | 8.7 (206 reviews) | 

#### Integration

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Accounting** | 8.8 (358 reviews) ✓ Verified | 9.0 (214 reviews) | 
| **Payments** | Feature Not Available | 8.8 (209 reviews) | 
| **ERP** | 8.8 (330 reviews) ✓ Verified | 8.1 (191 reviews) | 
| **Account Sync** | 8.9 (211 reviews) ✓ Verified | 8.5 (209 reviews) | 

#### Agentic AI - Invoice Management

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Cross-system Integration** | 8.7 (46 reviews) | 8.4 (113 reviews) | 
| **Adaptive Learning** | 8.8 (47 reviews) | 8.4 (114 reviews) | 
| **Proactive Assistance** | 8.8 (48 reviews) | 8.1 (115 reviews) | 

### Inventory Control

| Product | Score | Reviews |
|---|---|---|
| **SAP Concur** | N/A | N/A |
| **Xero** | 9.0/10 | 140 |

#### Multichannel inventory management

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Warehouse Inventory Transfer** | Not enough data | 8.8 (78 reviews) | 
| **Multichannel Inventory Syncing** | Not enough data | 8.9 (78 reviews) | 
| **Multi-Warehouse Routing** | Not enough data | 8.7 (78 reviews) | 

#### 3PL inventory management

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Client management** | Not enough data | 9.1 (79 reviews) | 
| **Marketplace connections** | Not enough data | 8.9 (78 reviews) | 
| **3PL inventory tracking** | Not enough data | 8.9 (77 reviews) | 

#### Inventory Management

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Inventory Tracking** | Not enough data | 9.1 (80 reviews) | 
| **Inventory Costing** | Not enough data | 9.0 (79 reviews) | 
| **Product Master** | Not enough data | 9.0 (77 reviews) | 
| **Inventory Forecasting** | Not enough data | 8.9 (77 reviews) | 
| **Integrations** | Not enough data | 9.3 (78 reviews) | 

#### Inventory Management Platform Features

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Centralized Inventory Database** | Not enough data | 9.1 (81 reviews) | 
| **Inventory Level Dashboards** | Not enough data | 9.1 (82 reviews) | 
| **Stock History Reporting** | Not enough data | 8.9 (83 reviews) | 
| **Low Stock Notifications** | Not enough data | 8.6 (79 reviews) | 
| **Bundles, Kits, & Variants** | Not enough data | 8.9 (79 reviews) | 
| **Asset Tracking** | Not enough data | 9.1 (82 reviews) | 
| **Inventory Forecasting** | Not enough data | 9.0 (80 reviews) | 
| **eCommerce Integrations** | Not enough data | 9.3 (77 reviews) | 
| **Accounting Integrations** | Not enough data | 9.4 (81 reviews) | 
| **Data Exporting / Importing** | Not enough data | 9.4 (81 reviews) | 

### Travel Management

| Product | Score | Reviews |
|---|---|---|
| **SAP Concur** | 8.5/10 | 4827 |
| **Xero** | N/A | N/A |

#### Expense Reporting

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Expense Automation** | 8.9 (414 reviews) ✓ Verified | Not enough data | 
| **Integration** | 8.5 (367 reviews) ✓ Verified | Not enough data | 
| **Compliance** | 8.9 (382 reviews) ✓ Verified | Not enough data | 
| **Mobile Functionality** | 8.7 (393 reviews) ✓ Verified | Not enough data | 

#### Travel Management

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Ease of Booking** | 8.2 (3396 reviews) ✓ Verified | 7.5 (166 reviews) | 
| **Itinerary Management** | 8.3 (3216 reviews) ✓ Verified | 7.0 (158 reviews) | 
| **Trip Notifications** | 8.5 (3160 reviews) ✓ Verified | 6.7 (156 reviews) | 
| **Advanced Integrations** | 8.3 (2372 reviews) ✓ Verified | 7.4 (162 reviews) | 

#### Approval 

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Rules** | 8.8 (391 reviews) ✓ Verified | Not enough data | 
| **Workflows** | 8.9 (391 reviews) ✓ Verified | Not enough data | 
| **Submit** | 9.2 (427 reviews) ✓ Verified | Not enough data | 

#### AI - Travel Management

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Personalization** | 8.2 (101 reviews) | Not enough data | 
| **Predictive Analytics** | 8.1 (100 reviews) | Not enough data | 
| **Cost Savings** | 8.3 (107 reviews) | Not enough data | 
| **Efficiency** | 8.3 (104 reviews) | Not enough data | 
| **Real-Time Assistance** | 8.5 (103 reviews) | Not enough data | 

#### Agentic AI - Travel Management

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

#### Employee Risk Management

| Feature | SAP Concur | Xero | 
|---|---|---|
| **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 | SAP Concur | Xero | 
|---|---|---|
| **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 |
|---|---|---|
| **SAP Concur** | N/A | N/A |
| **Xero** | 8.5/10 | 295 |

#### Bill Generation

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Templates** | Not enough data | 8.3 (201 reviews) | 
| **Digital Billing** | Not enough data | 8.7 (203 reviews) | 
| **Recurring Billing** | Not enough data | 8.8 (206 reviews) | 

#### Bill Processing

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Consolidation** | Not enough data | 8.2 (197 reviews) | 
| **Batch Invoicing** | Not enough data | 8.4 (197 reviews) | 
| **Management** | Not enough data | 8.6 (199 reviews) | 

#### Integration

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Accounting** | Not enough data | 8.8 (210 reviews) | 
| **Payments** | Not enough data | 8.7 (205 reviews) | 
| **ERP** | Not enough data | 8.0 (187 reviews) | 

#### Agentic AI - Billing

| Feature | SAP Concur | Xero | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | 8.3 (109 reviews) | 

### Accounting & Finance

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

#### Agentic AI - Accounting & Finance

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

---
## Categories
**Shared Categories (2):** [Invoice Management Software](https://www.g2.com/categories/invoice-management), [Expense Management Software](https://www.g2.com/categories/expense-management)

**Unique to SAP Concur (2):** [Accounts Payable Automation Software](https://www.g2.com/categories/ap-automation), [Travel Management Software](https://www.g2.com/categories/travel-management)

**Unique to Xero (4):** [Inventory Control Software](https://www.g2.com/categories/inventory-control-software), [Billing Software](https://www.g2.com/categories/billing), [Accounting Software](https://www.g2.com/categories/accounting), [Nonprofit Accounting Software](https://www.g2.com/categories/nonprofit-accounting-software)


---
## Reviewer Demographics

### By Company Size

| Segment | SAP Concur | Xero | 
|---|---|---|
| **Small-Business** | 8.7% | 71.0% | 
| **Mid-Market** | 36.3% | 24.2% | 
| **Enterprise** | 55.0% | 4.8% | 

### By Industry

#### 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:** 3.0%
- **Internet:** 2.8%
- **Non-Profit Organization Management:** 2.6%
- **Retail:** 2.6%
- **Other:** 56.4%

#### Xero

- **Accounting:** 21.3%
- **Information Technology and Services:** 8.8%
- **Computer Software:** 6.7%
- **Marketing and Advertising:** 5.0%
- **Consulting:** 3.8%
- **Construction:** 3.6%
- **Financial Services:** 3.4%
- **Retail:** 2.9%
- **Health, Wellness and Fitness:** 2.1%
- **Real Estate:** 1.8%
- **Other:** 40.5%

---
## Alternatives

### Alternatives to SAP Concur

- [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2411 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 (1924 reviews)
- [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1571 reviews)
- [Spendesk](https://www.g2.com/products/spendesk/reviews) — 4.6/5 stars (413 reviews)
- [Tipalti](https://www.g2.com/products/tipalti/reviews) — 4.5/5 stars (406 reviews)
- [Coupa](https://www.g2.com/products/coupa-software-coupa/reviews) — 4.2/5 stars (569 reviews)
- [Paylocity](https://www.g2.com/products/paylocity/reviews) — 4.4/5 stars (5309 reviews)
- [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9084 reviews)
- [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5637 reviews)

### Alternatives to Xero

- [NetSuite](https://www.g2.com/products/netsuite/reviews) — 4.1/5 stars (4767 reviews)
- [QuickBooks Online](https://www.g2.com/products/quickbooks-online/reviews) — 4.0/5 stars (3819 reviews)
- [FreshBooks](https://www.g2.com/products/freshbooks/reviews) — 4.5/5 stars (973 reviews)
- [Sage Intacct](https://www.g2.com/products/sage-intacct/reviews) — 4.3/5 stars (4194 reviews)
- [QuickBooks Desktop Pro](https://www.g2.com/products/quickbooks-desktop-pro/reviews) — 4.3/5 stars (1764 reviews)
- [Certinia Financial Management Cloud](https://www.g2.com/products/certinia-financial-management-cloud/reviews) — 4.0/5 stars (437 reviews)
- [Zoho Books](https://www.g2.com/products/zoho-books/reviews) — 4.4/5 stars (327 reviews)
- [Wave](https://www.g2.com/products/wave/reviews) — 4.3/5 stars (322 reviews)
- [Acumatica](https://www.g2.com/products/acumatica/reviews) — 4.4/5 stars (2007 reviews)
- [QuickBooks Desktop Enterprise](https://www.g2.com/products/quickbooks-desktop-enterprise/reviews) — 4.3/5 stars (1056 reviews)

---
## Top Discussions

### 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..."

### Xero

- Title: [What is Xero used for?](https://www.g2.com/discussions/what-is-xero-used-for) — 3 comments
  > **Top comment:** "Accounting, bookkeeping, tax return, payroll, expenses management etc. For small or medium business"
- Title: [Is XERO a good accounting software?](https://www.g2.com/discussions/is-xero-a-good-accounting-software) — 3 comments
  > **Top comment:** "Yep - especially with the upgrade to forecast cash flow"
- Title: [What is Xero software used for?](https://www.g2.com/discussions/what-is-xero-software-used-for) — 3 comments
  > **Top comment:** "Accounting and invoicing needs"
- Title: [Is Xero easy to use?](https://www.g2.com/discussions/is-xero-easy-to-use) — 2 comments
  > **Top comment:** "Yes, it is easy to use."
- Title: [What are the new features in Xero?](https://www.g2.com/discussions/what-are-the-new-features-in-xero) — 2 comments, 1 upvote
  > **Top comment:** "Do you need reviews on this G2 website too? I have reviewed the website here before. And approved review 100% madniawais189@gmail.com"

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