# SAP Concur vs Zaggle Comparison
---
## AI Generated Summary
- **G2 reviewers report** that SAP Concur excels in streamlining the expense management process, with users highlighting its ability to manage and submit corporate expenses, mileage logs, and travel receipts efficiently. This has significantly reduced the time employees spend filing reimbursements, making it a preferred choice for larger enterprises.
- **Users say** that Zaggle offers a user-friendly prepaid card system that simplifies everyday payments, making it convenient for tasks like shopping and dining. This ease of use is particularly appreciated by employees who value quick and simple transaction tracking.
- **Reviewers mention** that SAP Concur's robust reporting capabilities are a standout feature, allowing for quick generation of reports and organized digital invoices. This functionality is crucial for finance departments looking to maintain oversight and streamline approval workflows.
- **According to verified reviews** , Zaggle shines in its integration with accounting tools, providing great visibility into transactions. Users appreciate how this feature enhances the management of employee expenses and corporate gifting, making it a practical choice for mid-market companies.
- **G2 reviewers highlight** that while SAP Concur has a slightly lower ease of setup score, its comprehensive features and support for complex workflows make it a strong contender for enterprises needing detailed expense management solutions.
- **Users report** that Zaggle's rewards system adds a nice bonus for employees, enhancing the overall experience of using the platform. However, some users feel that it may not be as robust as the extensive features offered by SAP Concur, particularly for larger organizations with more complex needs.



| | SAP Concur | Zaggle | 
|---|---|---|
| **Star Rating** | 4.0 out of 5 | 4.2 out of 5 | 
| **Total Reviews** | 7,102 | 114 | 
| **Largest Market Segment** | Enterprise (54.8% of reviews) | Mid-Market (47.7% of reviews) | 
| **Entry Level Price** | Starting at $7.00 | No pricing available | 

---
## Top Pros & Cons

### SAP Concur

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

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

### Zaggle

Pros:
- Ease of Use (56 reviews)
- Convenience (17 reviews)

Cons:
- Approval Issues (15 reviews)
- Limited Acceptance (11 reviews)

---
## Ratings Comparison
| Rating | SAP Concur | Zaggle | 
|---|---|---|
  | **Meets Requirements** | 8.7 (5954 reviews) | 8.7 (42 reviews) | 
  | **Ease of Use** | 8.0 (6034 reviews) | 8.5 (112 reviews) | 
  | **Ease of Setup** | 8.0 (1387 reviews) | 9.1 (34 reviews) | 
  | **Ease of Admin** | 8.1 (889 reviews) | 8.3 (6 reviews) | 
  | **Quality of Support** | 8.0 (4343 reviews) | 8.1 (43 reviews) | 
  | **Has the product been a good partner in doing business?** | 8.1 (871 reviews) | 7.8 (6 reviews) | 
  | **Product Direction (% positive)** | 7.3 (5843 reviews) | 8.8 (40 reviews) | 

---
## Pricing

### SAP Concur

#### Entry-Level Pricing

Plan: Base

Price: Starting at $7.00

Description: For smaller businesses with basic expense reporting needs.

Key Features:
- Concur Expense

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

#### Free Trial

Yes

### Zaggle

#### Entry-Level Pricing

No pricing available

#### Free Trial

No information available

---
## Features Comparison By Category

### Expense Management

| Product | Score | Reviews |
|---|---|---|
| **SAP Concur** | 8.4/10 | 5212 |
| **Zaggle** | 8.0/10 | 35 |

#### Expense Reports

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **Ease of Creating Expense Reports** | 8.5 (4539 reviews) ✓ Verified | 8.1 (31 reviews) | 
| **Bank / Credit Card Integration** | 8.6 (3560 reviews) ✓ Verified | 8.0 (30 reviews) | 
| **Smart Categorization** | 8.0 (3502 reviews) ✓ Verified | 8.2 (32 reviews) | 
| **Digital Receipt Management** | 8.5 (4327 reviews) ✓ Verified | 8.0 (31 reviews) | 
| **Employee Reimbursement** | 8.8 (4160 reviews) ✓ Verified | 8.7 (29 reviews) | 
| **Currency Conversions** | 8.4 (2098 reviews) ✓ Verified | 7.9 (29 reviews) | 
| **Credit Card Integration** | 8.6 (2892 reviews) ✓ Verified | 7.9 (27 reviews) | 

#### Agentic AI - Expense Management

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **Autonomous Task Execution** | 8.1 (99 reviews) | 8.0 (11 reviews) | 
| **Cross-system Integration** | 8.1 (113 reviews) | 8.0 (11 reviews) | 

#### Travel Management

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **Ease of Booking** | 8.2 (3402 reviews) ✓ Verified | 8.1 (26 reviews) | 
| **Itinerary Management** | 8.3 (3218 reviews) ✓ Verified | 8.1 (24 reviews) | 
| **Trip Notifications** | 8.5 (3161 reviews) ✓ Verified | 8.1 (23 reviews) | 
| **Advanced Integrations** | 8.3 (2373 reviews) ✓ Verified | 7.9 (24 reviews) | 

#### Client Invoicing

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **Invoice Creation and Delivery** | 8.3 (1565 reviews) ✓ Verified | 8.3 (24 reviews) | 
| **Electronic Payments** | 8.5 (1730 reviews) ✓ Verified | 8.1 (24 reviews) | 
| **Project Accounting / Revenue Recognition** | 8.3 (1372 reviews) ✓ Verified | 8.0 (24 reviews) | 

#### Generative AI - Expense Management

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **Image-to-Text** | 8.6 (7 reviews) | Not enough data | 
| **Text Generation** | Not enough data | Not enough data | 
| **Text Summarization** | Not enough data | Not enough data | 

#### Mobile

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **Receipt Capture** | 8.8 (3729 reviews) ✓ Verified | 8.5 (27 reviews) | 
| **Mileage Tracking** | 8.6 (2460 reviews) ✓ Verified | 7.6 (21 reviews) | 
| **Travel Itinerary and Flight Status Updates** | 8.6 (2690 reviews) ✓ Verified | 7.6 (22 reviews) | 

#### Platform

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **Embedded AI / Machine Learning** | 7.8 (718 reviews) ✓ Verified | 7.7 (21 reviews) | 
| **Complex Approval Workflow** | 8.1 (2083 reviews) ✓ Verified | 7.7 (21 reviews) | 

#### Administration

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **PCI Regulation Compliant** | 8.3 (1163 reviews) ✓ Verified | 8.3 (22 reviews) | 

#### Administration

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **Business Tool Integration** | 8.3 (1427 reviews) ✓ Verified | 7.9 (21 reviews) | 
| **Workflow** | 8.5 (1707 reviews) ✓ Verified | 8.0 (21 reviews) | 
| **Automated Reminders** | 8.4 (1598 reviews) ✓ Verified | 8.3 (21 reviews) | 
| **Policy Compliance Management** | 8.5 (1522 reviews) ✓ Verified | 8.0 (20 reviews) | 
| **User, Role, and Access Management** | 8.6 (1580 reviews) ✓ Verified | 8.2 (21 reviews) | 

#### Platform

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **Reporting** | 8.4 (1732 reviews) ✓ Verified | 8.1 (24 reviews) | 
| **APIs / Integration** | 8.2 (1177 reviews) ✓ Verified | 7.9 (21 reviews) | 
| **Internationalization** | 8.3 (1124 reviews) ✓ Verified | 7.9 (20 reviews) | 
| **Performance and Reliability** | 8.3 (1989 reviews) ✓ Verified | 8.1 (24 reviews) | 
| **Mobile User Support** | 8.3 (1621 reviews) ✓ Verified | 8.0 (24 reviews) | 
| **Offline** | Feature Not Available | 7.8 (19 reviews) | 

### Spend Management

| Product | Score | Reviews |
|---|---|---|
| **SAP Concur** | N/A | N/A |
| **Zaggle** | 8.8/10 | 6 |

#### Setup

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **Data** | Not enough data | 9.0 (5 reviews) | 
| **Approvals** | Not enough data | 9.0 (5 reviews) | 
| **Alignment** | Not enough data | Not enough data | 

#### Performance

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **KPIs** | Not enough data | Not enough data | 
| **Benchmarks** | Not enough data | Not enough data | 
| **Forecasting** | Not enough data | Not enough data | 
| **Savings** | Not enough data | Not enough data | 

#### Payment Cards

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **One-time Virtual** | Not enough data | Not enough data | 
| **Recurring Virtual** | Not enough data | Not enough data | 
| **Physical** | Not enough data | Not enough data | 

#### Reporting

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **Real time** | Not enough data | Not enough data | 
| **Multiple Views** | Not enough data | Not enough data | 
| **Export** | Not enough data | Not enough data | 
| **Budgets** | Not enough data | Not enough data | 

#### Payments

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **Vendor** | Not enough data | 8.3 (5 reviews) | 
| **Recurring** | Not enough data | Not enough data | 
| **Employee Reimbursements** | Not enough data | Not enough data | 
| **ACH** | Not enough data | Not enough data | 

#### Fraud & Risk Management

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **Notifications** | Not enough data | Not enough data | 
| **Unique Cards** | Not enough data | Not enough data | 
| **Controls** | Not enough data | Not enough data | 

#### Agentic AI - Spend Management

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **Proactive Assistance** | Not enough data | Not enough data | 

### AP Automation

| Product | Score | Reviews |
|---|---|---|
| **SAP Concur** | 9.2/10 | 143 |
| **Zaggle** | N/A | N/A |

#### Invoice Management

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **Capture** | 9.2 (108 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 | Zaggle | 
|---|---|---|
| **Matching** | 9.3 (99 reviews) | Not enough data | 
| **Payments** | 9.2 (103 reviews) | Not enough data | 
| **Workflows** | 9.3 (106 reviews) | Not enough data | 
| **Tax Compliance** | 9.3 (98 reviews) | Not enough data | 

#### Analytics

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **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 | Zaggle | 
|---|---|---|
| **Accounting** | 9.3 (109 reviews) | Not enough data | 
| **Payment Integration** | 9.3 (102 reviews) | Not enough data | 
| **ERP** | 9.2 (107 reviews) | Not enough data | 

#### Risk

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

#### Audit

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **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 | Zaggle | 
|---|---|---|
| **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 | Zaggle | 
|---|---|---|
| **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 | 552 |
| **Zaggle** | N/A | N/A |

#### Invoice Generation

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **Templates** | 8.6 (369 reviews) ✓ Verified | Not enough data | 
| **Digital Invoices** | 8.9 (392 reviews) ✓ Verified | Not enough data | 
| **Recurring Invoices** | 8.8 (356 reviews) ✓ Verified | Not enough data | 

#### Invoice Processing

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **Approvals** | 8.9 (439 reviews) ✓ Verified | Not enough data | 
| **Batch Processing** | Feature Not Available | Not enough data | 
| **Consolidation** | Feature Not Available | Not enough data | 
| **Match Invoices** | 9.0 (228 reviews) ✓ Verified | Not enough data | 

#### Analytics

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **Due Dates** | Feature Not Available | Not enough data | 
| **Cashflow** | 8.7 (326 reviews) ✓ Verified | Not enough data | 
| **KPIs** | 8.8 (297 reviews) ✓ Verified | Not enough data | 
| **Payment Tracking** | 9.1 (233 reviews) ✓ Verified | Not enough data | 

#### Integration

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **Accounting** | 8.8 (360 reviews) ✓ Verified | Not enough data | 
| **Payments** | Feature Not Available | Not enough data | 
| **ERP** | 8.8 (332 reviews) ✓ Verified | Not enough data | 
| **Account Sync** | 8.9 (211 reviews) ✓ Verified | Not enough data | 

#### Agentic AI - Invoice Management

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **Cross-system Integration** | 8.7 (47 reviews) | Not enough data | 
| **Adaptive Learning** | 8.8 (47 reviews) | Not enough data | 
| **Proactive Assistance** | 8.8 (48 reviews) | Not enough data | 

### Travel Management

| Product | Score | Reviews |
|---|---|---|
| **SAP Concur** | 8.5/10 | 4834 |
| **Zaggle** | N/A | N/A |

#### Expense Reporting

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **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 | Zaggle | 
|---|---|---|
| **Ease of Booking** | 8.2 (3402 reviews) ✓ Verified | 8.1 (26 reviews) | 
| **Itinerary Management** | 8.3 (3218 reviews) ✓ Verified | 8.1 (24 reviews) | 
| **Trip Notifications** | 8.5 (3161 reviews) ✓ Verified | 8.1 (23 reviews) | 
| **Advanced Integrations** | 8.3 (2373 reviews) ✓ Verified | 7.9 (24 reviews) | 

#### Approval 

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **Rules** | 8.8 (391 reviews) ✓ Verified | Not enough data | 
| **Workflows** | 8.9 (391 reviews) ✓ Verified | Not enough data | 
| **Submit** | 9.2 (428 reviews) ✓ Verified | Not enough data | 

#### AI - Travel Management

| Feature | SAP Concur | Zaggle | 
|---|---|---|
| **Personalization** | 8.2 (102 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 | Zaggle | 
|---|---|---|
| **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 | Zaggle | 
|---|---|---|
| **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 | Zaggle | 
|---|---|---|
| **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 | 

### Accounting & Finance

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

#### Agentic AI - Accounting & Finance

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

---
## Categories
**Shared Categories (1):** [Expense Management Software](https://www.g2.com/categories/expense-management)

**Unique to SAP Concur (3):** [Accounts Payable Automation Software](https://www.g2.com/categories/ap-automation), [Invoice Management Software](https://www.g2.com/categories/invoice-management), [Travel Management Software](https://www.g2.com/categories/travel-management)

**Unique to Zaggle (1):** [Spend Management Software](https://www.g2.com/categories/spend-management)


---
## Reviewer Demographics

### By Company Size

| Segment | SAP Concur | Zaggle | 
|---|---|---|
| **Small-Business** | 8.9% | 15.9% | 
| **Mid-Market** | 36.3% | 47.7% | 
| **Enterprise** | 54.8% | 36.4% | 

### 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:** 3.1%
- **Internet:** 2.8%
- **Non-Profit Organization Management:** 2.6%
- **Retail:** 2.6%
- **Other:** 56.3%

#### Zaggle

- **Information Technology and Services:** 23.0%
- **Computer Software:** 11.5%
- **Financial Services:** 6.2%
- **Accounting:** 5.3%
- **Computer & Network Security:** 5.3%
- **Food & Beverages:** 4.4%
- **Pharmaceuticals:** 4.4%
- **Construction:** 3.5%
- **Telecommunications:** 2.7%
- **Consumer Goods:** 2.7%
- **Other:** 31.0%

---
## Alternatives

### Alternatives to SAP Concur

- [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2440 reviews)
- [Webexpenses](https://www.g2.com/products/signifo-webexpenses/reviews) — 4.4/5 stars (2125 reviews)
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- [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1582 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 (412 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 (5551 reviews)
- [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9101 reviews)
- [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5652 reviews)

### Alternatives to Zaggle

- [Happay](https://www.g2.com/products/happay/reviews) — 4.5/5 stars (433 reviews)
- [Zoho Expense](https://www.g2.com/products/zoho-expense/reviews) — 4.5/5 stars (1531 reviews)
- [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9101 reviews)
- [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5652 reviews)
- [Sage Expense Management](https://www.g2.com/products/sage-expense-management/reviews) — 4.6/5 stars (1820 reviews)
- [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1582 reviews)
- [BILL Spend & Expense (Formerly Divvy)](https://www.g2.com/products/bill-spend-expense-formerly-divvy/reviews) — 4.5/5 stars (2108 reviews)
- [Pleo](https://www.g2.com/products/pleo/reviews) — 4.7/5 stars (1435 reviews)
- [myBiz by MakeMyTrip](https://www.g2.com/products/mybiz-by-makemytrip/reviews) — 4.5/5 stars (1093 reviews)
- [Paylocity](https://www.g2.com/products/paylocity/reviews) — 4.4/5 stars (5551 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..."

### Zaggle

No discussions available for this product.

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