Link copied to clipboard # SAP Concur vs Zoho Expense Comparison - What are their main differences? Share [ Export ](/compare/sap-concur/zoho-expense/export.csv) SAP ConcurZoho Expense[+ Add Product](#) Pricing **SAP Concur** **Starting at $7.00** · Base **Zoho Expense** Free Trial **$0.00** · Free Plan **Pricing Insights** from reviews Time to Implement **SAP Concur** 4 months Based on 107 responses **Zoho Expense** 1 monthFaster Based on 596 responses Return on Investment **SAP Concur** 17 months Based on 85 responses **Zoho Expense** 8 months9 months sooner Based on 543 responses Perceived Cost **SAP Concur** $$$$$ **Zoho Expense** $$$$$ Average Discount **SAP Concur** 11%4% more **Zoho Expense** 7% ![SAP Concur](https://images.g2crowd.com/uploads/product/hd_favicon/fb80859373f26969a7a13ca1201dbf4c/sap-concur.svg "SAP Concur") ![Zoho Expense](https://images.g2crowd.com/uploads/product/hd_favicon/3384119e13c5be2c14b3b8ac9321cca8/zoho-expense.svg "Zoho Expense") G2 offers free advice on this comparison. Chat with an expert How would you like to receive Software Advice? ![](/assets/advisor_router/laptop_form-f1a7012279826105416befde8d882ffc7589b1f9db09c93a1379d601cafe8e0d.svg) FormAnswer questions at your own pace, no call required. ![](/assets/advisor_router/ai_agent-4d78629a3ba354fed449a65c60df3a6f2eda90fb98411b711df4b25d7be52a38.svg) AI AgentChat live and get a recommendation in minutes. ![](/assets/advisor_router/phone_call_picker-c48821ec36f4182d8ee3e54cfbd3937500eec54d7b7e0cfb80dc80a8a733842f.svg) Phone CallTalk it through live with a software advisor. **Pros & Cons** from reviews **SAP Concur** [ Ease of Use (528) ](https://www.g2.com/products/sap-concur/reviews?filters%5Bsentiment_snippet%5D=1303513&qs=pros-and-cons#reviews)[ Expense Management (429) ](https://www.g2.com/products/sap-concur/reviews?filters%5Bsentiment_snippet%5D=1303802&qs=pros-and-cons#reviews)[ Not Intuitive (106) ](https://www.g2.com/products/sap-concur/reviews?filters%5Bsentiment_snippet%5D=1303082&qs=pros-and-cons#reviews)[ Learning Curve (98) ](https://www.g2.com/products/sap-concur/reviews?filters%5Bsentiment_snippet%5D=1302819&qs=pros-and-cons#reviews) **Zoho Expense** [ Ease of Use (160) ](https://www.g2.com/products/zoho-expense/reviews?filters%5Bsentiment_snippet%5D=1441259&qs=pros-and-cons#reviews)[ Expense Tracking (97) ](https://www.g2.com/products/zoho-expense/reviews?filters%5Bsentiment_snippet%5D=1439172&qs=pros-and-cons#reviews)[ Not Intuitive (30) ](https://www.g2.com/products/zoho-expense/reviews?filters%5Bsentiment_snippet%5D=1441917&qs=pros-and-cons#reviews)[ Learning Curve (23) ](https://www.g2.com/products/zoho-expense/reviews?filters%5Bsentiment_snippet%5D=1439965&qs=pros-and-cons#reviews) Integrations **SAP Concur** [ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_6581ac213d7946f2ef27505905652457/adp-global-payroll.png "Product Avatar Image") ADP Global Payroll ](https://www.g2.com/products/adp-global-payroll/reviews)[ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_6581ac213d7946f2ef27505905652457/adp-hr-assist.png "Product Avatar Image") ADP HR Assist ](https://www.g2.com/products/adp-hr-assist/reviews)[ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_de7b0518c01aad23330b32c4acb323dd/adp-workforce-now.jpg "Product Avatar Image") Workforce Now ](https://www.g2.com/products/adp-workforce-now/reviews)[ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_34e9bd958c29155171cd80d177e14ddf/airbnb.jpg "Product Avatar Image") Airbnb ](https://www.g2.com/products/airbnb/reviews)[ View all ](https://www.g2.com/products/sap-concur/integrations) **Zoho Expense** [ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_e369fa2434bfed6434dea757dc661c25/chatgpt.jpg "Product Avatar Image") ChatGPT ](https://www.g2.com/products/chatgpt/reviews)[ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_d08938b2bcd0f8cc93eb9321f26c74c4/claude-2025-12-11.jpeg "Product Avatar Image") Claude ](https://www.g2.com/products/claude-2025-12-11/reviews)[ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_c59e71a15a85e8a813513cba25e44faf/erpnext.png "Product Avatar Image") ERPNext ](https://www.g2.com/products/erpnext/reviews)[ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_5d4b5afef629809f27e9f2cb8b757f69/g-p.png "Product Avatar Image") G-P ](https://www.g2.com/products/g-p/reviews)[ View all ](https://www.g2.com/products/zoho-expense/integrations) Screenshots **SAP Concur** ![SAP Concur screenshot](https://images.g2crowd.com/cdn-cgi/image/width=600,height=600,fit=scale-down,format=auto,onerror=redirect,/https://images.g2crowd.com/uploads/attachment/file/1360468/Home-Morning.png) **Zoho Expense** ![Zoho Expense screenshot](https://images.g2crowd.com/cdn-cgi/image/width=600,height=600,fit=scale-down,format=auto,onerror=redirect,/https://images.g2crowd.com/uploads/attachment/file/1938544/travel-booking.png) **Ratings** from reviews Meets Requirements **SAP Concur** 8.7 8.76,043 **Zoho Expense** 8.8 8.81,302 Ease of Use **SAP Concur** 8.0 8.06,128 **Zoho Expense** 8.8 8.81,325 Ease of Setup **SAP Concur** 8.0 8.01,478 **Zoho Expense** 8.6 8.61,009 Ease of Admin **SAP Concur** 8.1 8.1927 **Zoho Expense** 8.7 8.7819 Quality of Support **SAP Concur** 8.0 8.04,425 **Zoho Expense** 8.6 8.61,053 Has the product been a good partner in doing business? **SAP Concur** 8.1 8.1908 **Zoho Expense** 8.7 8.7769 Product Direction (% positive) **SAP Concur** 7.3 7.35,911 **Zoho Expense** 9.1 9.11,253 **Features** ratings from reviews Expense Management[Hide 101 FeaturesShow 101 Features](javascript:void(0);) 8.5 5,312 8.2 1,080 Agentic AI - Expense Management Autonomous Task Execution 8.1(won by 0.9) 99 (There is a greater than 0.5 difference between this product's rating and its competitors) 7.2 49 Cross-system Integration 8.1(won by 0.3) 117 7.8 50 Expense Reports Ease of Creating Expense Reports 8.5 4603 | Verified 8.7(won by 0.2) 913 | Verified Bank / Credit Card Integration 8.6(won by 1.2) 3576 | Verified (There is a greater than 0.5 difference between this product's rating and its competitors) 7.4 615 | Verified Smart Categorization 8.0(tied score) 3511 | Verified 8.0(tied score) 715 | Verified Digital Receipt Management 8.5 4386 | Verified 8.7(won by 0.2) 861 | Verified Employee Reimbursement 8.8(won by 0.4) 4171 | Verified 8.4 672 | Verified Currency Conversions 8.5(won by 0.3) 2103 | Verified 8.2 607 | Verified Corporate Card 8.6(won by 1.1) 2904 | Verified (There is a greater than 0.5 difference between this product's rating and its competitors) 7.5 533 | Verified Credit Card Management Not enough data Not enough data Travel Management Ease of Booking 8.2(won by 0.5) 3420 | Verified (There is a greater than 0.5 difference between this product's rating and its competitors) 7.7 368 Itinerary Management 8.3(won by 0.8) 3218 | Verified (There is a greater than 0.5 difference between this product's rating and its competitors) 7.5 412 Trip Notifications 8.5(won by 0.9) 3162 | Verified (There is a greater than 0.5 difference between this product's rating and its competitors) 7.6 413 Advanced Integrations 8.3(won by 0.7) 2379 | Verified (There is a greater than 0.5 difference between this product's rating and its competitors) 7.6 420 User Management 10.0(won by default) 5 Not enough data Online Booking Not enough data Not enough data Credit Card Management Not enough data Not enough data Booking Management Not enough data Not enough data Restriction Management Not enough data Not enough data Reservations Management Not enough data Not enough data Reimbursement Management Not enough data Not enough data Vendor Management Not enough data Not enough data Travel Management Not enough data Not enough data Promotions Management Not enough data Not enough data Workflow Management Not enough data Not enough data Receipt Management Not enough data Not enough data Supplier Management Not enough data Not enough data Compliance Management Not enough data Not enough data Policy Management Not enough data Not enough data Invoice Management Not enough data Not enough data Real-Time Notifications Not enough data Not enough data Third-Party Integrations Not enough data Not enough data Timesheet Management Not enough data Not enough data Invoice Management Not enough data Not enough data Reimbursement Management Not enough data Not enough data Real-Time Notifications Not enough data Not enough data Client Invoicing Electronic Payments 8.5(won by 0.8) 1729 | Verified (There is a greater than 0.5 difference between this product's rating and its competitors) 7.7 356 Project Accounting / Revenue Recognition 8.3(won by 0.4) 1372 | Verified 7.9 429 | Verified Optical Character Recognition 7.7 5 9.7(won by 2.0) 5 (There is a greater than 0.5 difference between this product's rating and its competitors) Invoice Creation and Delivery 8.3(won by default) 1568 | Verified Feature Not Available Biometric Recognition Not enough data Not enough data Generative AI - Expense Management Image-to-Text 8.2 15 9.0(won by 0.8) 5 (There is a greater than 0.5 difference between this product's rating and its competitors) Text Generation Not enough data Not enough data Text Summarization Not enough data Not enough data Additional Functionality Approval Process Control 8.3(won by 0.3) 6 8.0 5 Expense Claims 10.0(won by default) 6 Not enough data Audit Trail Not enough data Not enough data Secure Data Storage Not enough data Not enough data AI Copilot Not enough data Not enough data Data Import/Export Not enough data Not enough data Duplicate Detection Not enough data Not enough data Budgeting/Forecasting Not enough data Not enough data Customizable Fields Not enough data Not enough data Spend Control Not enough data Not enough data Customizable Templates Not enough data Not enough data Access Controls/Permissions Not enough data Not enough data Reporting & Statistics Not enough data Not enough data Automated Receipt Matching Not enough data Not enough data Mobile Receipt Upload Not enough data Not enough data Billable & Non-Billable Hours Not enough data Not enough data Financial Analysis Not enough data Not enough data Categorization/Grouping Not enough data Not enough data Single Sign On Not enough data Not enough data Activity Dashboard Not enough data Not enough data Mobile Receipt Capture 8.8(tied score) 3765 | Verified 8.8(tied score) 795 | Verified Mileage Tracking 8.6(won by 0.3) 2464 | Verified 8.3 519 | Verified Travel Itinerary and Flight Status Updates 8.6(won by 1.1) 2688 | Verified (There is a greater than 0.5 difference between this product's rating and its competitors) 7.5 284 Expense Tracking 10.0(won by 0.2) 5 9.8 8 Real-Time Updates Not enough data Not enough data Platform Embedded AI / Machine Learning 7.8(tied score) 729 | Verified 7.8(tied score) 401 | Verified Complex Approval Workflow 8.1(won by 0.2) 2090 | Verified 7.9 441 | Verified Generative AI Not enough data Not enough data Administration PCI Regulation Compliant 8.3(won by 0.3) 1162 | Verified 8.0 343 | Verified Administration Business Tool Integration 8.3(tied score) 1449 | Verified 8.3(tied score) 581 | Verified Workflow 8.5(won by 0.1) 1741 | Verified 8.4 620 | Verified Automated Reminders 8.4(won by 0.1) 1599 | Verified 8.3 569 | Verified Policy Compliance Management 8.5(won by 0.2) 1544 | Verified 8.3 519 | Verified User, Role, and Access Management 8.6(tied score) 1584 | Verified 8.6(tied score) 643 | Verified Workflow Management 9.2(won by default) 6 Not enough data Timesheet Management Not enough data Not enough data Payroll Management Not enough data Not enough data Employee Management Not enough data Not enough data Invoice Management Not enough data Not enough data Calendar Management Not enough data Not enough data Workflow Management Not enough data Not enough data Task Management Not enough data Not enough data Mobile Access Not enough data Not enough data Mobile Access Not enough data Not enough data Compliance Management Not enough data Not enough data Platform Reporting 8.4(tied score) 1752 | Verified 8.4(tied score) 683 | Verified APIs / Integration 8.2(won by 0.4) 1183 | Verified 7.8 425 | Verified Internationalization 8.3(won by 0.2) 1127 | Verified 8.1 402 | Verified Performance and Reliability 8.3 2026 | Verified 8.7(won by 0.4) 663 | Verified Mobile User Support 8.3 1629 | Verified 8.6(won by 0.3) 595 | Verified Offline Feature Not Available 7.7(won by default) 407 | Verified Accounting Integration Not enough data Not enough data QuickBooks Integration Not enough data Not enough data Real-Time Reporting Not enough data Not enough data Third-Party Integrations Not enough data Not enough data Payroll Integration Not enough data Not enough data Accounting Integration Not enough data Not enough data Travel Management[Hide 79 FeaturesShow 79 Features](javascript:void(0);) 8.5 4,867 8.6 866 Expense Reporting Expense Automation 8.9(won by 0.4) 417 | Verified 8.5 40 Integration 8.5 368 | Verified 8.8(won by 0.3) 40 Compliance 8.9(won by 0.1) 383 | Verified 8.8 37 Mobile Functionality 8.6 395 | Verified 8.8(won by 0.2) 42 Accounting Integration Not enough data Not enough data Third-Party Integrations Not enough data Not enough data Approval Rules 8.8(won by 0.2) 391 | Verified 8.6 37 Workflows 8.9(won by 0.3) 392 | Verified 8.6 38 Submit 9.2(won by 0.1) 430 | Verified 9.1 43 Travel Management Ease of Booking 8.2(won by 0.5) 3420 | Verified (There is a greater than 0.5 difference between this product's rating and its competitors) 7.7 368 Itinerary Management 8.3(won by 0.8) 3218 | Verified (There is a greater than 0.5 difference between this product's rating and its competitors) 7.5 412 Trip Notifications 8.5(won by 0.9) 3162 | Verified (There is a greater than 0.5 difference between this product's rating and its competitors) 7.6 413 Advanced Integrations 8.3(won by 0.7) 2379 | Verified (There is a greater than 0.5 difference between this product's rating and its competitors) 7.6 420 User Management 10.0(won by default) 5 Not enough data Online Booking Not enough data Not enough data Credit Card Management Not enough data Not enough data Booking Management Not enough data Not enough data Restriction Management Not enough data Not enough data Reservations Management Not enough data Not enough data Reimbursement Management Not enough data Not enough data Vendor Management Not enough data Not enough data Travel Management Not enough data Not enough data Promotions Management Not enough data Not enough data Workflow Management Not enough data Not enough data Receipt Management Not enough data Not enough data Supplier Management Not enough data Not enough data Compliance Management Not enough data Not enough data Policy Management Not enough data Not enough data Invoice Management Not enough data Not enough data Real-Time Notifications Not enough data Not enough data Third-Party Integrations Not enough data Not enough data Timesheet Management Not enough data Not enough data Invoice Management Not enough data Not enough data Reimbursement Management Not enough data Not enough data Real-Time Notifications Not enough data Not enough data AI - Travel Management Personalization 8.2(won by default) 102 Not enough data Predictive Analytics 8.1(won by default) 100 Not enough data Cost Savings 8.3(won by default) 107 Not enough data Efficiency 8.3(won by default) 104 Not enough data Real-Time Assistance 8.5(won by default) 103 Not enough data Reporting/Analytics Not enough data Not enough data Real-Time Analytics Not enough data Not enough data Agentic AI - Travel Management Autonomous Task Execution 8.3(won by default) 55 Not enough data Proactive Assistance 8.2(won by default) 55 Not enough data Employee Risk Management Emergency Assistance Integration Not enough data Not enough data Risk Alerts & Safety Notifications Not enough data Not enough data Traveler Tracking Not enough data Not enough data Policy Enforcement & Compliance Not enough data Not enough data Expense Tracking Not enough data Not enough data Real-time Alerts Not enough data Not enough data Sustainability & Reporting Sustainability Reporting Not enough data Not enough data Carbon Emissions Tracking Not enough data Not enough data Green Travel Recommendations Not enough data Not enough data Real-Time Reporting Not enough data Not enough data Additional Functionality API Not enough data Not enough data Dashboard Not enough data Not enough data Approval Process Control Not enough data Not enough data Financial Analysis Not enough data Not enough data Dashboard Creation Not enough data Not enough data Billing & Invoicing Not enough data Not enough data Expense Claims Not enough data Not enough data Budget Control Not enough data Not enough data Generative AI Not enough data Not enough data Reminders Not enough data Not enough data Electronic Payments Not enough data Not enough data Activity Dashboard Not enough data Not enough data Multi-Currency Not enough data Not enough data Real-Time Updates Not enough data Not enough data Multi-Language Not enough data Not enough data Customizable Reports Not enough data Not enough data Spend Control Not enough data Not enough data Reporting & Statistics Not enough data Not enough data Mobile Access Not enough data Not enough data Spend Analysis Not enough data Not enough data Categorization/Grouping Not enough data Not enough data Real-Time Data Not enough data Not enough data Single Sign On Not enough data Not enough data AI Copilot Not enough data Not enough data Employee Self Service Not enough data Not enough data Invoice Management[Hide 18 FeaturesShow 18 Features](javascript:void(0);) 8.8 554 Not enough data Invoice Generation Templates 8.6(won by default) 369 | Verified Not enough data Digital Invoices 8.9(won by default) 392 | Verified Not enough data Recurring Invoices 8.8(won by default) 356 | Verified Not enough data Invoice Processing Approvals 8.9(won by default) 441 | Verified Not enough data Match Invoices 9.0(won by default) 228 | Verified Not enough data Batch Processing Feature Not Available Not enough data Consolidation Feature Not Available Not enough data Analytics Cashflow 8.7(won by default) 326 | Verified Not enough data KPIs 8.8(won by default) 297 | Verified Not enough data Payment Tracking 9.1(won by default) 233 | Verified Not enough data Due Dates Feature Not Available Not enough data Integration Accounting 8.9(won by default) 361 | Verified Not enough data ERP 8.8(won by default) 333 | Verified Not enough data Account Sync 8.9(won by default) 211 | Verified Not enough data Payments Feature Not Available Not enough data Agentic AI - Invoice Management Cross-system Integration 8.7(won by default) 48 Not enough data Adaptive Learning 8.8(won by default) 47 Not enough data Proactive Assistance 8.8(won by default) 48 Not enough data AP Automation[Hide 69 FeaturesShow 69 Features](javascript:void(0);) 9.2 143 Not enough data Invoice Management Capture 9.2(won by default) 107 Not enough data Repository 9.2(won by default) 98 Not enough data Supplier Portal Feature Not Available Not enough data Invoice Processing Matching 9.3(won by default) 98 Not enough data Payments 9.2(won by default) 102 Not enough data Workflows 9.3(won by default) 105 Not enough data Tax Compliance 9.3(won by default) 97 Not enough data Recurring Payments Not enough data Not enough data Analytics Due Dates 9.3(won by default) 105 Not enough data KPIs 9.2(won by default) 97 Not enough data Benchmarking Feature Not Available Not enough data Integration Accounting 9.4(won by default) 108 Not enough data Payment Integration 9.3(won by default) 101 Not enough data ERP 9.2(won by default) 107 Not enough data ERP integration Not enough data Not enough data Risk Analysis Feature Not Available Not enough data Identification Feature Not Available Not enough data Scoring Feature Not Available Not enough data Recovery Recoup 9.0(won by default) 98 Not enough data Reporting 9.2(won by default) 101 Not enough data Audit Filters 9.2(won by default) 97 Not enough data Overpayments 9.1(won by default) 96 Not enough data Duplicates 9.3(won by default) 101 Not enough data Post Audits Feature Not Available Not enough data Fraud Vendor Checks 9.1(won by default) 96 Not enough data Data Generation 9.1(won by default) 101 Not enough data Monitoring 9.3(won by default) 99 Not enough data Agentic AI - AP Automation Autonomous Task Execution 9.4(won by default) 22 Not enough data Proactive Assistance 9.5(won by default) 22 Not enough data Decision Making 9.4(won by default) 21 Not enough data Additional Functionality Data Import/Export Not enough data Not enough data Invoice Management Not enough data Not enough data Online Banking Not enough data Not enough data 1099 Preparation Not enough data Not enough data Generative AI Not enough data Not enough data Receipt Management Not enough data Not enough data AI Copilot Not enough data Not enough data Fraud Detection Not enough data Not enough data Duplicate Payment Alert Not enough data Not enough data Document Management Not enough data Not enough data Compliance Management Not enough data Not enough data Inventory Management Not enough data Not enough data Check Writing Not enough data Not enough data Mobile Access Not enough data Not enough data Audit Trail Not enough data Not enough data Reporting/Analytics Not enough data Not enough data Multi-Currency Not enough data Not enough data Status Tracking Not enough data Not enough data Activity Dashboard Not enough data Not enough data Cash Management Not enough data Not enough data Alerts/Notifications Not enough data Not enough data Billing & Invoicing Not enough data Not enough data Vendor Management Not enough data Not enough data Anomaly Detection Not enough data Not enough data API Not enough data Not enough data ACH Payment Processing Not enough data Not enough data Invoice Processing Not enough data Not enough data Aging Tracking Not enough data Not enough data Supplier Management Not enough data Not enough data General Ledger Not enough data Not enough data Expense Tracking Not enough data Not enough data Bank Reconciliation Not enough data Not enough data Workflow Management Not enough data Not enough data Customizable Reports Not enough data Not enough data Approval Process Control Not enough data Not enough data Electronic Funds Transfer Not enough data Not enough data Purchase Order Reconciliation Not enough data Not enough data Financial Management Not enough data Not enough data Workflow Automation Not enough data Not enough data Mileage Tracking[Hide 46 FeaturesShow 46 Features](javascript:void(0);) Not enough data 8.5 163 Setup Vehicles Not enough data 8.5(won by default) 113 Employees Not enough data 8.6(won by default) 119 Travel Types Not enough data 8.6(won by default) 117 Locations Not enough data 8.5(won by default) 114 Tracking Mileage Not enough data 9.0(won by default) 139 Logs Not enough data 8.7(won by default) 120 Automation Not enough data 8.7(won by default) 117 Reimbursement Reimbursement Not enough data 9.0(won by default) 132 Expenses Not enough data 9.1(won by default) 145 Workflows Not enough data 8.7(won by default) 119 Platform - Mileage Tracking Reporting Not enough data 8.9(won by default) 59 Customer Support Not enough data 8.0(won by default) 56 Agentic AI - Mileage Tracking Autonomous Task Execution Not enough data 7.1(won by default) 12 Adaptive Learning Not enough data 7.1(won by default) 11 Data Classification Not enough data Not enough data Additional Functionality Multiple User Accounts Not enough data Not enough data Mileage Tracking Not enough data Not enough data Direct Deposit Not enough data Not enough data GPS Not enough data Not enough data Corporate Card Not enough data Not enough data Compliance Management Not enough data Not enough data Time Tracking Not enough data Not enough data Spend Analysis Not enough data Not enough data AI Copilot Not enough data Not enough data Location Tracking Not enough data Not enough data Reporting & Statistics Not enough data Not enough data Alerts/Notifications Not enough data Not enough data Customizable Reports Not enough data Not enough data Mobile Access Not enough data Not enough data Vehicle Management Not enough data Not enough data Receipt Management Not enough data Not enough data Payment Processing Not enough data Not enough data Transaction History Not enough data Not enough data Policy Creation Not enough data Not enough data User Management Not enough data Not enough data Fuel Tracking Not enough data Not enough data Itinerary Creation Not enough data Not enough data Approval Process Control Not enough data Not enough data Data Security Not enough data Not enough data Generative AI Not enough data Not enough data Cloud Backup Not enough data Not enough data Expense Tracking Not enough data Not enough data Reimbursement Management Not enough data Not enough data Activity Dashboard Not enough data Not enough data Third-Party Integrations Not enough data Not enough data API Not enough data Not enough data Show 1 feature category with incomplete data Accounting & Finance[Hide 1 FeatureShow 1 Feature](javascript:void(0);) Not enough data Not enough data Agentic AI - Accounting & Finance Autonomous Task Execution Not enough data Not enough data User Insights Reviewers' Company Size [![SAP Concur](https://images.g2crowd.com/uploads/product/hd_favicon/fb80859373f26969a7a13ca1201dbf4c/sap-concur.svg "SAP Concur")](https://www.g2.com/products/sap-concur/reviews) SAP Concur Small-Business(50 or fewer emp.) 9.0% Mid-Market(51-1000 emp.) 36.4% Enterprise(\> 1000 emp.) 54.6% [![Zoho Expense](https://images.g2crowd.com/uploads/product/hd_favicon/3384119e13c5be2c14b3b8ac9321cca8/zoho-expense.svg "Zoho Expense")](https://www.g2.com/products/zoho-expense/reviews) Zoho Expense Small-Business(50 or fewer emp.) 82.3% Mid-Market(51-1000 emp.) 14.7% Enterprise(\> 1000 emp.) 3.1% Small-Business (50 or fewer emp.) 9.0% 82.3% Mid-Market (51-1000 emp.) 36.4% 14.7% Enterprise (\> 1000 emp.) 54.6% 3.1% Reviewers' Industry [![SAP Concur](https://images.g2crowd.com/uploads/product/hd_favicon/fb80859373f26969a7a13ca1201dbf4c/sap-concur.svg "SAP Concur")](https://www.g2.com/products/sap-concur/reviews) SAP Concur Information Technology and Services 8.4% Computer Software 7.0% Hospital & Health Care 5.5% Higher Education 4.3% Financial Services 4.0% Other 70.8% [![Zoho Expense](https://images.g2crowd.com/uploads/product/hd_favicon/3384119e13c5be2c14b3b8ac9321cca8/zoho-expense.svg "Zoho Expense")](https://www.g2.com/products/zoho-expense/reviews) Zoho Expense Information Technology and Services 8.2% Computer Software 6.0% Construction 4.6% Accounting 4.2% Non-Profit Organization Management 4.0% Other 73.0% FAQs ## SAP Concur vs Zoho Expense FAQs Generated using AI Last updated: August 14, 2026 ### What is the difference between SAP Concur vs Zoho Expense? Zoho Expense stands out for its higher G2 rating and stronger small-business focus, while SAP Concur is more established in the enterprise segment and offers invoice creation features. | | [SAP Concur](https://www.g2.com/products/sap-concur/reviews) | [Zoho Expense](https://www.g2.com/products/zoho-expense/reviews) | | --- | --- | --- | | G2 Rating (reviews) | 4.0/5 (7,183 reviews) | 4.5/5 (1,559 reviews) | | Largest Segment | Enterprise | Small-Business | | Ease of Setup score | 8.0 | 8.6 | | Quality of Support score | 8.0 | 8.5 | | Top Reviewer-Cited Strength | Ease of Use (518 mentions) | Ease of Use (160 mentions) | ### How do the pricing models of SAP Concur and Zoho Expense compare? Zoho Expense is rated higher for value, with reviewers expressing greater satisfaction with its pricing and affordability. - **SAP Concur:** In recent reviews, several reviewers describe SAP Concur as "a little pricey" and note that its pricing is more expensive compared to competitors. - **Zoho Expense:** Reviewers highlight Zoho Expense as affordable and cost-effective, with one reviewer specifically mentioning its value for small businesses. - **Switching Reason:** Recent reviewers cite moving to Zoho Expense for its lower cost and easier setup compared to more complex, higher-priced solutions. ### What are the best alternatives to SAP Concur and Zoho Expense? Navan, Ramp, and Webexpenses are the top three alternatives to SAP Concur and Zoho Expense. | Product | G2 Rating (reviews) | Largest Segment | Pricing Insight | Top Reviewer-Cited Strength | | --- | --- | --- | --- | --- | | [SAP Concur](https://www.g2.com/products/sap-concur/reviews) | 4.0/5 (7,183 reviews) | Enterprise | Reviewers note higher pricing and complexity | Ease of Use (518 mentions) | | [Zoho Expense](https://www.g2.com/products/zoho-expense/reviews) | 4.5/5 (1,559 reviews) | Small-Business | Reviewers highlight affordability and value | Ease of Use (160 mentions) | | [Navan](https://www.g2.com/products/navan-formerly-tripactions/reviews) | 4.7/5 (9,297 reviews) | Mid-Market | — | Travel and expense automation | | [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) | 4.8/5 (2,496 reviews) | Small-Business | — | Expense management and spend control | | [Webexpenses](https://www.g2.com/products/signifo-webexpenses/reviews) | 4.3/5 (2,424 reviews) | Mid-Market | — | Expense tracking and reporting | ### Which Expense Management features should I prioritize when comparing SAP Concur and Zoho Expense? Buyers should prioritize ease of use, integrations, automation, mobile capabilities, and invoice management when comparing SAP Concur and Zoho Expense. - **Ease of Use:** SAP Concur (8.0, 518 mentions); Zoho Expense (8.8, 160 mentions) - **Integrations:** SAP Concur (113 mentions); Zoho Expense (integration with Zoho Books, 128 mentions) - **Automation:** SAP Concur (179 mentions); Zoho Expense (automation features highlighted in recent reviews) - **Mobile App:** SAP Concur (136 mentions); Zoho Expense (mobile app praised in recent reviews) - **Invoice Management:** SAP Concur offers invoice creation and delivery; Zoho Expense does not ### What are the pros and cons of SAP Concur vs Zoho Expense? SAP Concur's headline strength is its enterprise-grade integration and automation, while Zoho Expense is praised for ease of use and affordability. - **SAP Concur strengths:** Ease of Use (518 mentions), Expense Management (424), Efficiency (271), Easy Upload (219), Automation (179), Mobile App (136), Integrations (113) - **SAP Concur trade-offs:** Learning Curve (98 mentions), Complexity (73), higher pricing, interface can feel outdated or cluttered, setup and configuration can be time-consuming - **Zoho Expense strengths:** Ease of Use (160 mentions), Features (45), Easy Access (12), Affordable (2), praised for quick setup, strong integration with Zoho Books, and user-friendly mobile app - **Zoho Expense trade-offs:** Initial setup can be complex for advanced workflows, some reviewers note limited customization and occasional mobile app syncing delays ### Is SAP Concur or Zoho Expense better for small businesses? Zoho Expense is the better fit for small businesses, with a higher G2 rating and a small-business reviewer focus. - **SAP Concur:** Largest segment is Enterprise; reviewers note it is more complex and pricier, with some small-business reviewers finding it less suitable for their needs. - **Zoho Expense:** Largest segment is Small-Business; reviewers consistently highlight its affordability, ease of use, and suitability for small teams. ### Which Expense Management platform has better integrations? SAP Concur is favored for integrations, with more reviewer-cited integration mentions and broader third-party connections. - **SAP Concur:** 1,300+ G2 reviews mention its integrations, including NetSuite and Expensify; reviewers highlight strong ERP and travel tool connections. - **Zoho Expense:** 128 G2 reviews mention integration with Zoho Books; reviewers also note QuickBooks Online integration, but with fewer mentions. ### How do SAP Concur and Zoho Expense compare on customer support? Zoho Expense scores higher on Quality of Support, with a 0.5-point lead over SAP Concur. - **SAP Concur:** Quality of Support score is 8.0; reviewers describe support as generally responsive but sometimes slow for complex issues. - **Zoho Expense:** Quality of Support score is 8.5; reviewers consistently praise prompt responses and helpful onboarding support. ### Which is easier to implement, SAP Concur or Zoho Expense? Zoho Expense is easier to implement, with a 0.6-point higher Ease of Setup score than SAP Concur. - **SAP Concur:** Ease of Setup score is 8.0; reviewers note setup can be time-consuming and complex, especially for advanced configurations. - **Zoho Expense:** Ease of Setup score is 8.6; reviewers highlight quick onboarding and straightforward configuration for most use cases, though advanced workflows may require more effort. ### Which product has better Expenses? Zoho Expense is rated higher for Expenses, with a stronger score and more recent praise for its expense tracking features. - **SAP Concur:** Expense Management (424 all-time mentions), Expense Tracking (178), Ease of Use score 8.0; reviewers highlight automation and receipt scanning. - **Zoho Expense:** Expense Management and tracking praised in recent reviews, Ease of Use score 8.8, Features (45 mentions); reviewers cite easy expense entry, mobile app, and integration with accounting tools. Alternatives **SAP Concur Alternatives** ![Webexpenses](https://images.g2crowd.com/uploads/product/hd_favicon/8be1cc4e0c190affb85fd96b00a7995b/signifo-webexpenses.svg "Webexpenses") [ Webexpenses ](/products/signifo-webexpenses/reviews) ![Ramp](https://images.g2crowd.com/uploads/product/hd_favicon/6a582a4fcd932a8ba3e2d4d73af44e65/ramp-financial-ramp.svg "Ramp") [ Ramp ](/products/ramp-financial-ramp/reviews) ![Stampli](https://images.g2crowd.com/uploads/product/hd_favicon/db5b196831e229857ef330aa175cc061/stampli%282%29.svg "Stampli") [ Stampli ](/products/stampli/reviews) ![Brex](https://images.g2crowd.com/uploads/product/hd_favicon/ea743ad0d0041273376b3852a36669cc/brex.svg "Brex") [ Brex ](/products/brex/reviews) **Zoho Expense Alternatives** ![Navan (Formerly TripActions)](https://images.g2crowd.com/uploads/product/hd_favicon/a51f79a29d04ad2be64cec35266596eb/navan-formerly-tripactions.svg "Navan (Formerly TripActions)") [ Navan (Formerly TripActions) ](/products/navan-formerly-tripactions/reviews) ![Expensify](https://images.g2crowd.com/uploads/product/hd_favicon/f79420536dbcd8d48061c55d4e6d0ab6/expensify.svg "Expensify") [ Expensify ](/products/expensify/reviews) ![Ramp](https://images.g2crowd.com/uploads/product/hd_favicon/6a582a4fcd932a8ba3e2d4d73af44e65/ramp-financial-ramp.svg "Ramp") [ Ramp ](/products/ramp-financial-ramp/reviews) ![Emburse Expense Professional (formerly Certify Expense)](https://images.g2crowd.com/uploads/product/hd_favicon/7ea79b3eb5b5b76adda60428a0f2345b/emburse-expense-professional-formerly-certify-expense.svg "Emburse Expense Professional (formerly Certify Expense)") [ Emburse Expense... ](/products/emburse-expense-professional-formerly-certify-expense/reviews)