# SAP Concur vs Zoho Expense: Features and Cost Comparison 2026 | Capterra > SAP Concur vs Zoho Expense: Which expense report tool is right for you? Dive into our detailed comparison of their features, costs, and user experience to make your decision. Source: https://www.capterra.com/compare/380-142384/Concur-Expense-vs-Zoho-Expense --- # SAP Concur vs Zoho Expense Features and Cost Comparison Last updated March 25th, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/) Your comparison: SAP ConcurZoho Expense2/4 selected [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.3 (2238)](https://www.capterra.com/p/380/Concur-Expense/reviews/) [Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/)[4.6 (1186)](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) [## SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.3 (2238)](https://www.capterra.com/p/380/Concur-Expense/reviews/) [## Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/)[4.6 (1186)](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) Starting Price Contact vendor Starting Price Contact vendor for pricing Value-for-Money 4.1 Functionality 4.2 Ease of Use 4.1 Customer Service 4.1 Starting Price $3.00/month Starting Price $3.00/month Value-for-Money 4.6 Functionality 4.5 Ease of Use 4.6 Customer Service 4.5 Reviews Sentiment Based on [2,238 reviews](https://www.capterra.com/p/380/Concur-Expense/reviews/) Positive 1,921 Neutral 220 Negative 97 Positive 1,921 Neutral 220 Negative 97 Reviews Sentiment Based on [1,186 reviews](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) Positive 1,148 Neutral 25 Negative 13 Positive 1,148 Neutral 25 Negative 13 Best for (according to reviews) - **Business size**: Enterprise organizations account for 945 reviews (43%), showing widespread use across large companies, with notable adoption by small (29%) and midsize (21%) businesses. - **Industry**: Computer software, IT services, and healthcare together represent 18% of reviews, indicating diverse industry adoption without a single dominant sector. - **Use cases**: Expense reporting leads with 77% of reviews, followed by travel management (42%) and spend management (20%), highlighting focus on financial process automation. Best for (according to reviews) - **Business size**: Small businesses account for 86% of reviews (974), reflecting high usage rates among this segment. - **Industry**: Information technology, construction, and computer software industries together represent 19% of reviews, indicating diverse adoption across these sectors. - **Use cases**: Expense reporting dominates with 91% of reviews, followed by travel management (22%) and mobile accounting apps (11%), highlighting a focus on financial tracking and travel. ## Reviewer verdict SAP Concur Reviewers find SAP Concur best for organizations needing comprehensive expense and travel management, citing its efficient automation, integration with corporate cards, and compatibility with apps like Lyft, Uber, and Microsoft Excel. Users appreciate its mobile access and receipt management, though they note the interface can feel outdated and travel booking features may be cumbersome. They say SAP Concur offers strong value for larger businesses, but mention it may be less cost-effective for smaller companies due to additional upgrade and training costs. Zoho Expense Zoho Expense users consider it ideal for small businesses and teams seeking affordable, user-friendly expense tracking with detailed reporting and project-based tracking. They highlight the auto-scanning and digital receipt management features, real-time mobile access, and integrations with tools like Zoho Books and Microsoft Excel. Reviewers appreciate its cost-effectiveness and customizable reports, though some mention limitations with report generation and customer support responsiveness as drawbacks. ## Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Features comparison When comparing SAP Concur and Zoho Expense in the expense report space, it's important to look beyond price and assess the specific features each one offers. This ensures that the choice you make aligns with your needs and prevents unnecessary costs. Here's a look at some key factors to consider and how these options compare. \[[1](#source-item-1)\] Key features rated by users Features selected based on 22,401 reviews from Expense Report users. about the Fit Score methodology. Fit Score methodology To calculate the Fit Score, our proprietary methodology factors in the following: - The importance level for each feature. By default, this is determined by user reviews. They can rate a feature Critical, High, Low, or Not Used. - Feedback from real users on how the product performs for each key feature, derived from verified user reviews and ratings. Please note: - To calculate the Fit Score, the number of reviews for those features and the actual rating carry the same weight. You might see that, in some cases, even though the ratings are the same, we still determine a winner because it had more reviews. - If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. SAP Concur 85%Fit Feature ratings Expense Tracking 4.6 Receipt Management 4.5 Mobile Receipt Upload 4.6 Mobile Access 4.4 Zoho Expense 85%Fit High performer Feature ratings Expense Tracking 4.7 Receipt Management 4.7 Mobile Receipt Upload 4.7 Mobile Access 4.7 Expense Tracking 4.6 (666) 4.7 (443) SAP Concur users appreciate the ability to categorize expenses, track spending, and convert foreign currency transactions. They find the automatic import of corporate card expenses and integration with other apps like Lyft and Uber very convenient. However, some users mention that the mileage tracking feature can be inaccurate. Zoho Expense users value the detailed reporting and the ability to track expenses by project and differentiate between company card and reimbursable expenses. They also appreciate the ease of use and the integration with other financial tools. Overall, users find SAP Concur efficient for tracking expenses and integrating with other apps, while they praise Zoho Expense for its detailed reporting and project-based tracking. Receipt Management 4.5 (448) 4.7 (330) SAP Concur users find the receipt management feature helpful for organizing and uploading receipts via mobile or web. They appreciate the ability to attach multiple receipts and the automated receipt matching, though some find the process slow and the interface outdated. Zoho Expense users value the auto-scanning feature and the ability to manage receipts digitally, which they say saves time and ensures compliance. They also appreciate the ease of uploading receipts from various sources. In summary, SAP Concur users appreciate the organization and automation in receipt management, while Zoho Expense users highlight the time-saving auto-scanning and digital management features. Mobile Receipt Upload 4.6 (344) 4.7 (325) SAP Concur users find the mobile receipt upload feature convenient for capturing and uploading receipts on the go. They appreciate the ability to preview receipts and the multiple upload options, though some mention issues with image size limits and occasional upload failures. Zoho Expense users praise the mobile receipt upload for its ease of use and the effective auto-scan feature. They find it particularly useful for remote teams and appreciate the ability to upload receipts directly from their phones. Overall, users find SAP Concur's mobile receipt upload convenient but note some limitations, while they appreciate Zoho Expense's ease and effectiveness of the feature. Mobile Access 4.4 (273) 4.7 (233) SAP Concur users value the mobile access feature for its convenience in managing expenses, uploading receipts, and submitting reports on the go. They find the app user-friendly, though some mention that not all desktop features are available on mobile. Zoho Expense users also appreciate the mobile access for its ease of use and the ability to manage expenses in real-time. They find it particularly useful for fieldwork and note the app's user-friendly interface. In general, users find SAP Concur's mobile access convenient for managing expenses, while they appreciate Zoho Expense's real-time management and user-friendly interface. ## Pricing comparison ### Starting prices SAP Concur Contact vendor for pricing Zoho Expense $3.00 Per User (Per Month) Free Trial Free Version [View pricing plans](https://www.capterra.com/p/142384/Zoho-Expense/pricing/) ### Value-for-money analysis 4.1 (2238) 4.6 (1186) Comparing reviews of both SAP Concur and Zoho Expense reveals how users perceive both products' value for money: SAP Concur reviewers say it offers a comprehensive solution for travel and expense management, and Zoho Expense reviewers highlight its affordability and suitability for small businesses. Reviewers find SAP Concur to be a robust and widely used software, noting its competitive pricing compared to other providers. They appreciate the free trial and the absence of setup costs. However, users mention that it can be expensive for small businesses, with additional costs for upgrades and training. Some reviewers feel that the cost may not justify the value for smaller companies. With regard to Zoho Expense, reviewers appreciate its cost-effectiveness and the availability of a free version for small teams. They value the affordable pricing plans and the extensive features offered at a lower cost compared to competitors. However, some users mention that the pricing can become expensive with more users and that the trial period is short. Overall, they find Zoho Expense to be a budget-friendly option with good functionality. ## Integrations Popular Integrations Compare available integrations between SAP Concur and Zoho Expense. ### Microsoft Excel SAP Concur Zoho Expense ### QuickBooks Online Advanced SAP Concur Zoho Expense ### SAP Business One SAP Concur Zoho Expense ### Microsoft 365 SAP Concur Zoho Expense ### QuickBooks Online SAP Concur Zoho Expense ### Xero SAP Concur Zoho Expense ### Avalara SAP Concur Zoho Expense ### Zoho Books SAP Concur Zoho Expense Total Integrations 31 Microsoft Excel Reviewers mention that integrating Microsoft Excel with SAP Concur streamlines expense reporting, citing that it replaces manual Excel processes with automated, efficient workflows for uploading and managing expenses. SAP Concur Integrations (31) - [ADP HR Assist](https://www.capterra.com/p/173960/HR-Assist/) - [ADP Workforce Now](https://www.capterra.com/p/155895/WorkforceNow/) - [Avalara](https://www.capterra.com/p/75673/AvaTax/) - [delivery.com](https://www.capterra.com/p/210710/delivery-com/) - [Deltek Costpoint](https://www.capterra.com/p/155685/Deltek-Costpoint/) - [DoorDash for Merchants](https://www.capterra.com/p/229272/DoorDash/) - [ezCater](https://www.capterra.com/p/228537/httpswwwezcatercom/) - [GrubHub](https://www.capterra.com/p/210141/GrubHub/) - [Infor SunSystems](https://www.capterra.com/p/166160/Infor-SunSystems/) - [Intuit Data Protect](https://www.capterra.com/p/213317/Intuit-Data-Protect/) - [Microsoft 365](https://www.capterra.com/p/227157/Microsoft-365/) - [Microsoft Access](https://www.capterra.com/p/233275/Microsoft-Access/) - [Microsoft Excel](https://www.capterra.com/p/176574/Excel/) - [Namely](https://www.capterra.com/p/143606/Namely/) - [NetSuite](https://www.capterra.com/p/135757/NetSuite/) - [Oracle E-Business Suite](https://www.capterra.com/p/214932/Oracle-E-Business-Suite/) - [QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/) - [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) - [QuickBooks Online Advanced](https://www.capterra.com/p/189398/QuickBooks-Online/) - [Sage 100](https://www.capterra.com/p/227232/Sage-100cloud/) - [Sage 200](https://www.capterra.com/p/227604/Sage-200cloud/) - [Sage 300](https://www.capterra.com/p/180283/Sage-300cloud/) - [Sage 500](https://www.capterra.com/p/227242/Sage-500/) - [Sage Intacct](https://www.capterra.com/p/76/Intacct/) - [Salesforce Platform](https://www.capterra.com/p/268338/App-Cloud/) - [SAP Business ByDesign](https://www.capterra.com/p/77379/SAP-Business-ByDesign/) - [SAP Business One](https://www.capterra.com/p/214667/SAP-Business-One/) - [TOTVS ERP](https://www.capterra.com/p/191104/TOTVS-BI/) - [Workday Financial Management](https://www.capterra.com/p/66909/Workday-Financial-Management/) - [Workday HCM](https://www.capterra.com/p/66908/Workday-HCM/) - [Xero](https://www.capterra.com/p/120109/Xero/) Total Integrations 30 Zoho Books Reviewers mention that Zoho Expense integrates seamlessly with Zoho Books, which they say streamlines expense tracking, financial reporting, and client billing, saving time and effort. Microsoft Excel Users report that Zoho Expense replaces cumbersome Excel sheets for expense tracking, noting that exporting data to Excel simplifies financial reporting and saves time for the finance team. Zoho Expense Integrations (30) - [Box](https://www.capterra.com/p/148766/Box/) - [CSG Forte](https://www.capterra.com/p/135920/Forte-Payment-Systems/) - [Dropbox Business](https://www.capterra.com/p/143068/Dropbox-Business/) - [Dynamics 365](https://www.capterra.com/p/157279/Dynamics-365/) - [Dynamics 365 Business Central](https://www.capterra.com/p/212111/Dynamics-365-Business-Central/) - [Evernote Teams](https://www.capterra.com/p/154969/Evernote-Business/) - [GetThere Travel](https://www.capterra.com/p/142069/GetThere-Travel/) - [Google Drive](https://www.capterra.com/p/161425/Drive/) - [Google Workspace](https://www.capterra.com/p/247901/Google-Workspace/) - [Lyft Business](https://www.capterra.com/p/234232/Lyft-Business/) - [Microsoft 365](https://www.capterra.com/p/227157/Microsoft-365/) - [Microsoft Excel](https://www.capterra.com/p/176574/Excel/) - [OneDrive](https://www.capterra.com/p/161304/OneDrive/) - [PayPal](https://www.capterra.com/p/207944/PayPal/) - [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) - [QuickBooks Online Advanced](https://www.capterra.com/p/189398/QuickBooks-Online/) - [Routespring](https://www.capterra.com/p/218766/Routespring/) - [SAP Business One](https://www.capterra.com/p/214667/SAP-Business-One/) - [SAP BusinessObjects Business Intelligence](https://www.capterra.com/p/92075/SAP-BusinessObjects/) - [Slack](https://www.capterra.com/p/135003/Slack/) - [Xero](https://www.capterra.com/p/120109/Xero/) - [Zoho Analytics](https://www.capterra.com/p/129749/Zoho-Analytics/) - [Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/) - [Zoho Cliq](https://www.capterra.com/p/167639/Zoho-Cliq/) - [Zoho CRM](https://www.capterra.com/p/155928/Zoho-CRM/) - [Zoho Flow](https://www.capterra.com/p/227460/Zoho-Flow/) - [Zoho Invoice](https://www.capterra.com/p/163114/Zoho-Invoice/) - [Zoho People](https://www.capterra.com/p/110931/Zoho-People/) - [Zoho Projects](https://www.capterra.com/p/169455/Zoho-Projects/) - [Zoho WorkDrive](https://www.capterra.com/p/145411/Zoho/) For each product, we show you the most common integrations according to our user reviews and analyze themes in what reviewers say to highlight what you need to know. ## How does the user experience compare on SAP Concur vs Zoho Expense? ### Overall rating 4.3 (2238) 4.6 (1186) ### User interface SAP Concur Zoho Expense ### Customer service and support SAP Concur Email/Help Desk FAQs/Forum Knowledge Base Phone Support 24/7 (Live rep) Chat Zoho Expense Email/Help Desk FAQs/Forum Knowledge Base Phone Support 24/7 (Live rep) Chat ## What users say about the pros and cons of SAP Concur vs Zoho Expense When it comes to expense report tools, SAP Concur and Zoho Expense are two options that have been reviewed on Capterra by verified reviewers. Explore the experiences our reviewers have shared about SAP Concur and Zoho Expense to see how they stack up against one another and pick the one that would best fit your needs. Users appreciate SAP Concur for its efficient expense reporting, noting its automation and integration with credit card providers, which simplifies the creation and submission of expense reports. They also value its receipt management, highlighting the ease of uploading receipts via mobile app. Reviewers find the mobile access convenient, indicating that the mobile application mirrors the desktop experience. At the same time, Zoho Expense users praise its expense tracking capabilities, mentioning its user-friendly interface and customizable reports. They also commend its receipt management and scanning features, appreciating the automated receipt capture and seamless integration with accounting tools. As for the cons, SAP Concur users find travel booking cumbersome and report management clunky. They also mention issues with travel arrangements. Meanwhile, Zoho Expense users criticize its report generation process and customer support, noting slow responses and difficulty in resolving issues. \[[2](#source-item-2)\] Pros SAP Concur CG Carly G Curriculum Designer and Trainer IIFood & Beverages, 5,001 - 10,000 employeesUsed the software for: More than 2 years. “Overall SAP concur is a great tool to keep track of expenses and how to organize those expenses into which reports and the ability to track down the information from each receipt.“ November 17, 2025 Vineet S Retail Sales ManagerRetail, 1,001 - 5,000 employeesUsed the software for: 6-12 months. “I submit all my travelling expenses through Concur and it is a amazing process to be notified when they got approved, when they were sent for payment and also when they were actually paid.“ January 14, 2026 Zoho Expense Christian L Police OfficerLaw Enforcement, Self-employedUsed the software for: I used a free trial. “What I liked most about the product is that I could link my business credit card and the software could track expenses in real time and allow me to take a picture of the receipt and upload it on the spot, making it simple for IRS purposes.“ December 8, 2025 EG Emily G DesignerConsumer Services, Self-employedUsed the software for: Less than 6 months. “I can keep and organize all of my receipts related to my business and categorize them. Plus I enjoy that it allows you to have photos.“ December 18, 2025 Cons SAP Concur Martin L Sales DirectorInformation Technology and Services, 51 - 200 employeesUsed the software for: 1-2 years. “I didn't dislike anything about Concur however sometimes the 'app' managers configure it improperly so that there are limited expense items compared to what actually happens in the field.“ December 15, 2025 CR Cindy R IT AdminReligious Institutions, 51 - 200 employeesUsed the software for: More than 2 years. “I didn't like that concor was ver specific with what image files it received and how when you uploaded and used receipts, it wouldn't delete them but you have to manually delete each one.“ May 28, 2025 Zoho Expense AM Albert M Senior Operations StrategistSecurity and Investigations, 11 - 50 employeesUsed the software for: Less than 6 months. “One thing that's a more inconvenience than a con, is being able to select multiple reports to export to QuickBooks online at a time.“ January 30, 2026 VD Vishal D Sales ManagerInformation Technology and Services, 11 - 50 employeesUsed the software for: More than 2 years. “Customization takes time as I had to watch tutorials just to configure certain policies properly.“ November 19, 2025 * * * Sources 1. Our research team identified features from vendor websites based on their analysis of what users find valuable or expect from expense report software. This list is not exhaustive. For additional features, refer to the vendor’s website. 2. Review excerpts are passages extracted from longer reviews written by verified reviewers. We obtain these excerpts by applying an algorithm that considers factors including, but not limited to, length, topic coverage, and thematic relevance. Excerpts are evaluated for positive or negative sentiment and receive a sentiment score. They represent user opinion and do not represent the views of, nor constitute, an endorsement by Capterra or its affiliates. Excerpts are not edited for clarity or grammar. * * * Need Help Deciding Between SAP Concur and Zoho Expense? Talk to a Capterra advisor for free and get results within 15 minutes. 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