# Compare SAP Concur vs Zoho Books 2026 | Capterra

> Unsure of what to choose? Check Capterra to compare SAP Concur and Zoho Books based on pricing, features, product details, and verified reviews.

Source: https://www.capterra.com/compare/380-163115/Concur-Expense-vs-Zoho-Books

---

# SAP Concur vs Zoho Books Features and Cost Comparison

Last updated March 13th, 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 Books2/4 selected

[SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.3 (2,238)](https://www.capterra.com/p/380/Concur-Expense/reviews/)

[Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[4.4 (671)](https://www.capterra.com/p/163115/Zoho-Books/reviews/)

[## SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.3 (2,238)](https://www.capterra.com/p/380/Concur-Expense/reviews/)

Starting Price

Contact vendor

Value-for-Money

4.1

Functionality

4.2

Ease of Use

4.1

Customer Service

4.1

Reviews Sentiment

Based on [2,238 reviews](#user-reviews)

Positive

1,921

Neutral

220

Negative

97

[## Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[4.4 (671)](https://www.capterra.com/p/163115/Zoho-Books/reviews/)

Starting Price

$20.00/month

Value-for-Money

4.4

Functionality

4.3

Ease of Use

4.4

Customer Service

4.2

Reviews Sentiment

Based on [671 reviews](#user-reviews)

Positive

599

Neutral

45

Negative

27

What’s your intended use case?

## Summary

* * *

Key features rated by users

Features selected based on 10,217 reviews from expense report software users.  
about the Fit Score methodology.

Fit Score methodology

Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about.

  

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. Best for Methodology

84%Fit

High performer

Feature ratings

Expense Tracking

4.6

Receipt Management

4.5

Expense Claims

4.6

Invoice Management

4.3

Mobile Receipt Upload

4.6

70%Fit

Missing features

Feature ratings

Expense Tracking

4.4

Receipt Management

4.3

Expense Claims

4.1

Invoice Management

4.8

Mobile Receipt Upload

NA

User satisfaction

User satisfaction

4.3

User reviews[2,238](https://www.capterra.com/p/380/Concur-Expense/reviews/)

Ease of use

4.1

Functionality

4.2

Value for money

4.1

Customer support

4.1

User satisfaction

4.4

User reviews[671](https://www.capterra.com/p/163115/Zoho-Books/reviews/)

Ease of use

4.4

Functionality

4.3

Value for money

4.4

Customer support

4.2

Price starts from

Price starts from

\--

-   Free version
-   Free trial

Price starts from

$20Other, Per Month

-   Free version
-   Free trial

Best for

Best for

SAP Concur is a leading cloud-based spend management solution that helps small, medium, and large businesses automate and simplify expense reporting, travel booking, and invoice processing.

Best for

Zoho Books caters to businesses of all sizes across multiple industries, such as legal, real estate, retail, wholesale, education, maritime, financial services, healthcare, manufacturing and more.

## User reviews

Pros & cons

VR

Verified Reviewer

Curriculum Designer and Trainer II

> "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..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7046672)

Martin L.

Sales Director

> "I didn't dislike anything about Concur however sometimes the 'app' managers configure it improperly so that there are limited expense items compared to..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7062934)

VR

Verified Reviewer

Retail Sales Manager

> "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..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7078983)

CR

Cindy R.

IT Admin

> "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..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6821171)

HL

Hunter L.

Executive Assistant

> "The configuration of my company's travel rules helped me always stay within budget, manage an entire team, and use their individual corporate cards."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7076207)

VR

Verified Reviewer

Account Manager

> "Can be a little buggy and clunky sometimes with long page refreshes when making changes."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7036710)

VR

Verified Reviewer

Curriculum Designer and Trainer II

> "What I like most about SAP concur is that it keeps all my expenses in one place and identifies expenses that is tied into my e-mail."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7046672)

CN

Chris N.

HR Manager

> "Initially it could seem a bit overwhelming as the home screen has a lot of options to choose from...seems a bit busy looking."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7064955)

VR

Verified Reviewer

Account Manager

> "The auto expense feature is really useful, it loads expenses from your company card in automatically and you just add the receipts."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7036710)

GG

Gary G.

Director of Corporate Devlopment

> "Unintuitive navigation, easy to lose work, exception thresholds requiring use explanations too obtrusive/rigid, pdf formatting required for receipts,..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6425793)

Martin L.

Sales Director

> "What is great about Concur is that it makes it easy to identify the individual customers you are entertaining - especially for large events it will..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7062934)

Orlando E. G.

Advisor

> "Some issues with getting detailed information on the card charges to make sure they match up with the correct Receipts I have in hand."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7011680)

DL

Dave L.

Senior Consultant

> "What I like most about Concur is it gives me a way to enter in my company expenses, keep track of them, and give me notifications every step along the..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6797157)

JS

Joshua S.

Senior Learning Facilitator

> "There seemed to be an issue at times where the pictures of some receipts would just disappear and I would have to double check they were still on the..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6808645)

GT

Gary T.

Solutions Architect

> "SAP Concur makes expense reporting fast with its intuitive interface, automation, and seamless integration with finance systems."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6812332)

GT

Gary T.

Solutions Architect

> "SAP Concur can feel overly complex at times, with occasional glitches and confusions for new users or submitters."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6812332)

MT

Mallory T.

Executive sous chef

> "I have had to use excel sheets, other websites and paper to do expenses and it was always so time consuming, SAP really saves time and effort."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7096293)

JG

Joel G.

Director of Operations

> "Also, moving expenses to other reports isn’t as easy as it is on the desktop."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7099910)

AR

Anitha R.

Senior Technical Specialist

> "This helps prevent many errors and ensures better compliance, which is essential in the financial sector."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7092917)

MS

Matthew S.

Director of Product Development

> "Delayed payment, sometimes taking up to a week to hit my bank account including the verification process."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6840592)

UC

Urgan C.

Associate

> "You can automate approval workflows and integrate with corporate policies ensures that expenses are processed quickly, while maintaining compliance with..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6504628)

Jeremiah L. G.

Chief Operating Officer

> "They have no easy way to pay your bill and Support took 3 weeks to figure out why I could not access the online billing portal and in the interim I..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6628432)

CR

Cindy R.

IT Admin

> "I loved the fact that you can save receipts inside of the application, You can later look for them amongst the saved files and pull what you needed."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6821171)

ZH

Zachary H.

EHS Manager

> "This last update changed things up a bit and threw me for a loop finding everything again, but that usually happens when things update."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6786179)

MC

Michael C.

Sr. Director Professional Services

> "The softwares ability to sync with Credit Card providers and receipt tracking has made business travelers expense report creation and submittal much..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6589892)

Thomas C.

civil engineer

> "Sometimes the scanning of invoices can be a little slow and it does not allow the image to load correctly"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6625279)

AK

Ashfak K.

Senior executive

> "its automation of expense reporting helps reduce manual entry, minimizes errors, and can lead to more efficient reimbursement processes."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6567406)

Jeremiah L. G.

Chief Operating Officer

> "It did not play well with other applications and the onboarding success team takes over a week to respond. If you have in house IT staff then you..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6628432)

RS

Rachel S.

Treasurer

> "I use SAP Concur on my mobile phone to manage expenses such as travel and spend which enhance compliance and eradicate fraud."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6516764)

BH

Brian H.

Environmental Compliance Engineer

> "Daily expenses repeat and create flags."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7018783)

FM

Faisal M.

Payroll

> "It makes expense management more efficient through automation, reliable reimbursements, and strong reporting tools."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7011458)

TC

Torey C.

Junior Golf Tournament Manager

> "It is very difficult to search for coding items. "

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7058326)

Orlando E. G.

Advisor

> "Good Program for submitting proposed travel/trip costs, and my department is good about reviewing expense report reconciliation requests."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7011680)

Margaret R.

Professor

> "My University and the bureaucracy of SAP Concur acts like my time is free, when ultimately they are stealing from themselves and not using my time..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#GetApp___6603849)

HL

Hunter L.

Executive Assistant

> "As an executive assistant for 6 professionals that traveled to client sites often, SAP Concur was a lifesaver for travel booking."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7076207)

EV

Emily V.

EA

> "The customer support is not the best. If one is calling the phone line sometimes it can wait up to 20 minutes for an agent."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6507293)

AS

Adeniran S.

Associate Traveling Secretary

> "SAP Concur enables me to save time by automating complex accounting processes mainly invoicing and inventory control."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6597728)

Margaret R.

Professor

> "I have a grant and should not be doing support staff work like this -- having faculty deal with the clunky system and people who refuse to help us..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#GetApp___6603849)

BB

Brandon B.

Senior Manager of IT Infrastructure

> "Prior to moving away from SAP for our ERP platform, it's direct integration into our Finance platform was extremely nice."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7054782)

SR

Shannon R.

CFO

> "No we can integrate with Chase Ink but can’t get ANYONE to work with us on the integration (emailing for MONTHS)."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#SoftwareAdvice___6642951)

SN

Suraj N.

Inside Product Specialist

> "The platform's integration capabilities and robust reporting features make it an invaluable tool for businesses looking to manage their expenses..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6458762)

MK

Marie K.

Success Manager

> "I have used it at two companies, and while it does make it easy to upload things for reimbursements, the site itself is a little clunky, and is missing..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6425287)

VR

Verified Reviewer

Operations manager

> "Very easy to use with the mobile app that allows you to upload receipts on the go and also check booked travel information."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7078058)

KG

Katerina G.

Business development manager

> "It is difficult to navigate and find key information for proposed option while impossible to modify things on your bookings"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6342696)

DH

Daniel H.

Power Platform Developer

> "Easy receipt upload, automated expense reports, seamless travel booking. Once this is all set up it makes everything so much more manageable"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6821671)

VR

Verified Reviewer

Instructional Designer and Training Specialist

> "I also don't like that it is a little difficult to tell which rooms won't give points."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6853719)

JA

Jackline A.

Customer Relationship Manager

> "SAP Concur automates repetitive accounting procedures that help save time and reduce financial errors."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7007829)

Jim C.

Lead application support analyst

> "Some steps are not very intuitive."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7053350)

CR

Clinton R.

Fleet Manager

> "The app makes it even better allowing easier access and not having to open up your laptop or desktop to complete your expenses."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6819332)

DL

Dave L.

Senior Consultant

> "Overall it gets the job done, but for me it's not the easiest to understand at first glance, and wish the interface would be simplified a bit."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6797157)

MC

Michael C.

Sr. Director Professional Services

> "From going back years to when users were taping receipts to paper and uploading, to having the ability easily attach receipts via your mobile devise is..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6589892)

VR

Verified Reviewer

Data Analyst

> "Automations don’t always work seamlessly across every system integration"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7012979)

PF

Ping F.

Operations Analyst

> "I also like that it provides access to check traveler profiles and records, which helps a lot with work needs."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6441755)

SR

Shannon R.

CFO

> "Couldn’t tell you if the system itself is any good or not because we have been working on the integration since April of 2024 (today is Jan 1 2025) and..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#SoftwareAdvice___6642951)

Matthew P.

Founder

> "The SAP Concur travel booking functionality is also quite useful, and I appreciate booking all of my travel options on one website."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6754629)

CR

Clinton R.

Fleet Manager

> "When traveling, it doesn't recognize hotel taxes."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6819332)

Jordan M.

HR Generalist

> "I enjoy the pre-populated items and navigation system that makes submitting reports a breeze."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7016717)

NB

Nick B.

Senior Accountant

> "It wasn't easy for us to update our own information in SAP Concur without it de-syncing the export."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6432938)

EV

Emily V.

EA

> "It also has a mobile app support where you can easily upload receipts and submit expenses."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6507293)

CJ

Caleb J.

Internal Audit Associate

> "Sometimes there is a lag in looking for certain reports but this boils down to information that is being loaded."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6567846)

IP

Issac P.

Senior Engineer

> "Very easy to create a business travel expense for approval and dedicated emails are sent at every stage of approval process which ensures no important..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6576013)

UC

Urgan C.

Associate

> "SAP Concur's interface to be cluttered or not as intuitive as other expense management tools."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6504628)

IP

Issac P.

Senior Engineer

> "The process of creating expense reports is very easy and the support of mobile app makes it more helpful as all expenses, bills etc"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6576013)

JI

Joy I.

Administrative Coordinator

> "Mobile application on Android system lack some features available on cloud apps."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6665790)

TH

Tammy H.

Accounting Clerk

> "I've used Concur for years and I think it's the best system out right now and the customer service is awesome."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7089132)

FM

Faisal M.

Payroll

> "Interface feels outdated and not always intuitive"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7011458)

VR

Verified Reviewer

HR Lead

> "The best thing about SAP Concur is that it is very easy to use and to manage the expenses and reimbursement purpose. Once the card is linked to the..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6665344)

TP

Tess P.

Customer Care Representative

> "Sometimes there are not the right categories/sections to input information"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6569348)

IP

Issac P.

Senior Engineer

> "I use Concur for recording all expenses incurred during a business travel and the entire process is very seamless and easy"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6576013)

DL

Dave L.

Senior Consultant

> "The user interface is complicated."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6797157)

VR

Verified Reviewer

Business Development

> "Very solid platform that helps our team stay focused and productive!"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7052781)

GM

Galateya M.

Executive Administrative Assistant

> "It lags sometimes and gets a lot of bugs."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6449251)

JI

Joy I.

Administrative Coordinator

> "SAP Concur allows me to save time by managing expenses automatically which also eradicates fraud."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6665790)

OG

Oscar G.

Product Manager

> "Slowly access to available flights and hotels to booking, and system to include the expenses is tedious with old UI, ready to be refreshed for a better..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___5039958)

KJ

Katie J.

Product Marketing

> "Personally, I find the mobile version to be much more user friendly for submitting expense reports specifically."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6808009)

WH

Warren H.

Data And Tech Lead

> "It can be hard to find the different between credit card expenses to the company and reimbursements, you do have to make errors to be highlighted to an..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___4901953)

BH

Brian H.

Environmental Compliance Engineer

> "The app is great to use while on the road as I can do everything including importing receipts."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7018783)

Margaret R.

Professor

> "Confusing, waste of precious time, responses from support people look like they are AI generated."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#GetApp___6603849)

Victoria H.

HR Director

> "Just easy to use outside of uploading receipts but I believe you can email them to the file as well not sure ."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7069673)

TB

Tom B.

Electrical Inspector

> "It’s common for the mobile receipt sensing to not recognize the vendor or location and has to be manually corrected."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6076843)

[View Reviews](https://www.capterra.com/p/380/Concur-Expense/reviews/)

VR

Verified Reviewer

Gen Secretary

> "Havent experienced any bug, there was one concern which was fixed immediately. and i'd recommend it for both small business as well..."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7058032)

LT

Luke T.

Director and Tutor

> "Another small problem is that it doesn't import your bank transactions until the day after the transaction has taken place, despite..."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6829781)

VR

Verified Reviewer

Gen Secretary

> "Data management is so good, i am uploading all the invoices too in the application."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7058032)

DS

David S.

Customer Service Representative

> "The mobile app isn’t as functional as the desktop version, and while the reporting options are good, they could be better customized."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6692753)

Raj Shekhar S.

Cofounder

> "Their has been no product failures or issues, and new features are regularly rolled out too."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7066801)

AV

Alisodai V.

Proprietor

> "They were unable to give any solution for my problem even after 7 months time."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7020672)

BB

Ben B.

CEO

> "Free plan for businesses under $50K in revenue is good and we use it with Zoho Expense and it works seamlessly."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6734256)

GK

Girish K.

Owber

> "No desire to even show how a feature works."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#SoftwareAdvice___7076078)

BB

Ben B.

CEO

> "Favorite feature: automated invoicing and payment tracking."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6734256)

GK

Girish K.

Owber

> "Zoho support has no solution for this."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#SoftwareAdvice___7076078)

Alfredo J.

Consultant

> "I was able to easily migrate after a bad experience with quickbooks and from there been able to slightly customize it for my needs."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6501659)

SG

Sally G.

Customer Service Auditor

> "Some features don't work if you are not in the US."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6861693)

ME

Mohamed E.

manager

> "The best thing that has happened to me is the ease with which I can now complete all accounting activities with Zoho Books."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6423440)

DR

Darren R.

Director

> "The only one annoyance is the search from some screens you need to know the exact customer name or item name to search. Where as..."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___5072227)

VR

Verified Reviewer

COO

> "I love the waste option of opportunities to adapt things like templates to automate as much as possible and safe time."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6648480)

HD

Haythum D.

IT Engineer

> "in Zoho Books can't customize more advanced financial reportsZoho Books is more costly compared to other accounting software..."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4946352)

ME

Mohamed E.

manager

> "One of the easiest interfaces for creating estimates and invoices is Zoho Books."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6423440)

ME

Mohamed E.

manager

> "Data migration is quite difficult for businesses with a lot of data."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6423440)

Dedre M.

Owner

> "Due to the fact that you can manager all financially transactions within your dashboard, including invoicing and billing, makes this..."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4808090)

MG

Michael G.

President

> "does not integrate easily with Microsoft Office suite"

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6559335)

ME

Mohamed E.

manager

> "The main benefit is that it offers a range of plans at reasonable prices to accommodate diverse business needs."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6423440)

DS

DAMON S.

Director

> "Uncleared notifications on the app that I just can’t seem to clear"

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6466142)

HN

Hilda N.

Youth research advisor

> "With Zoho book I have been able to manage customers and suppliers interaction using client protal and by sitting up payments..."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4707361)

HN

Hilda N.

Youth research advisor

> "The application is mostly very slow when updating it and in the process you may lose your data and in the due course costimg you a..."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4707361)

NL

Nzai L.

project officer sanitation and hygiene

> "i like the ability of the software to manage clients online through clients patrol and making recuring invoices payments , its user..."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4962668)

PB

Phillip B.

President

> "For example, if you accidently add a wrong item you will have to cancel it out on the books with another entry."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6178338)

SA

Sayed A.

Project Engineer

> "It has automation capabilities, such as automatic bank feeds and recurring invoices, have been praised for saving time and..."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4741271)

MA

Monica A.

program manager

> "the application is very hard to master mostly on how to handle recurring payments within your organization"

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4983997)

SN

Siyabonga N.

Junior Tax practitioner

> "The Online Invoicing has great features such as personalizing invoices with their logo, colours, and fonts., plus you can also..."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4738813)

AM

Alicia M.

Accountant

> "For example, in the UK a sales balance of -£100 means that the customer owes £100 pounds and has to pay."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6028821)

DS

David S.

Customer Service Representative

> "It also offers great GST compliance features which are a big advantage for my business."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6692753)

DP

Darshan P.

Administrator

> "It has more user restrictions and payroll service is not available."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4775876)

AC

Anthony C.

University Intern

> "Zoho Books also offers integration with other Zoho services, such as CRM and Human Resources, which makes collaboration and project..."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4782184)

FF

Frank F.

President

> "When there is an update with the a financial institution Zoho Books takes forever to make that update causing issues with keeping..."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___3503773)

EC

Emily C.

Engineer

> "It was a very simple platform with the initial configuration, its integration system is basic allowing all stored data to be safe..."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4747708)

TM

Theresa M.

CEO

> "They forgot to tell you to click on Settings first, and THEN select Preferences."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4793501)

DR

Darren R.

Director

> "We love Zoho ability to access from anywhere and allows a business owner to monitor things even when they are not on site."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___5072227)

SK

Stephen K.

insurance manager

> "it limits vendors list and once reached you have to pay additional amount first and its very difficult to learn basically how to..."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4655805)

Alfredo J.

Consultant

> "I enjoy how it integrates with their expense tracker and with PayPal."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6501659)

MK

Milena K.

Bookkeeper

> "Limitation of the functions and the customer service wasn't as expected."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4789839)

BB

Ben B.

CEO

> "Mobile app is a plus, gives real-time access to financials."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6734256)

KF

Kadeem F.

IT Consultant

> "Invoice customisation is really lacking."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4780181)

Juan B.

CEO

> "I am able to set up recurring billing for my clients, which has saved me a lot of time and helped me maintain a steady stream of..."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4903814)

Elyn H.

Content Creator

> "This is because you can only add your uploads to a new expense."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4789911)

VR

Verified Reviewer

COO

> "Zoho Books combines quoting, invoicing in a very efficient way."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6648480)

SY

Surjesh Y.

Software Engineer

> "Some users might discover that the software is not as customised as they would want. Although it has a variety of functions, there..."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4628961)

AT

Amy T.

CFO

> "Customization for our specific business was a huge game changer, as we didn't need to get outside help involved to make simple..."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4982810)

RE

Rajesh E.

DIRECTOR

> "expense print layout is against the income tax rules.. if any invoice is having more than 200 products the invoice will not open..."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#SoftwareAdvice___3567105)

JK

Jeethendra K.

Founder & CEO

> "The ease of using the zoho books across all the device since the data is stored in server rather than tally in which the data is..."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#GetApp___5019964)

SD

Sharif D.

Inventory analyst

> "the software is expensive in case you are purchasing it once"

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4980610)

CS

Connor S.

Brokerage Operations Associate

> "The invoices module in Zoho Books and very well laid out and easy to use for people who are new to these kinds of platforms."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6537888)

TM

Theresa M.

CEO

> "This is the most non-intuitive, difficult, cumbersome, obscure programme I have ever worked with."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4793501)

SG

Sally G.

Customer Service Auditor

> "The interface is clean and clear."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6861693)

IL

Immaculate L.

Finance Director

> "The bank connection doesn't always work nicely, sometimes it delay to update and end up sending incorrect statements to customers."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4604401)

LL

Lydia L.

Blow Mold Operator

> "It uses automations which allows us to eliminate the manual entry work and reduce the dependency on the repetitive tasks."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6006953)

TH

Timothy H.

CEO

> "For the business I have managed for the last 15 years, it is tough to migrate everything over. "

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4797274)

JW

Joel W.

Program Manager

> "I like the way the software allows us to reconcile various transaction hence eliminating errors in reporting."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6167413)

Jared L.

Business Development

> "No need to wait for another person to send an invoice and possibly lose the customer to dead time from 'Yes' to the ability to pay"

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___3859870)

WT

Winnie T.

Manager

> "I've been able to manage the accountabilities while at my home by using this software to manage the accountabilities and project..."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___5012216)

WO

William O.

Manager

> "So I am just going to find something else can consider all the work I have done in my account as a loss...."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#SoftwareAdvice___5078207)

AC

Anthony C.

University Intern

> "Zoho Books is an online accounting and invoicing software that offers a wide range of features at an affordable price."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4782184)

MS

Melissa S.

CSR

> "Gets very expensive to activate advanced features"

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6002964)

Dedre M.

Owner

> "Zoho Books is helping our small business with financial reporting and keeping track of our income and expenses."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4808090)

Kirti V.

developer

> "However, some users have reported issues with customer support and limited customization options."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4631918)

AB

Andrei B.

Branch Manager

> "Integrates good with other Zoho apps if you are using them."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6296522)

Shyamal P.

Founder

> "They forced us to buy 12 months subscription saying migration won't be done unless we pay2."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4611027)

WT

Winnie T.

Manager

> "I use it for project planning and accounting While sitting in my dining room therefore it eased work for me"

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___5012216)

JV

James V.

Assistant Management Accountant

> "Team collaboration related features of Zoho Books are not quite sufficient for our requirements."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4070417)

VV

Vikas V.

Software Consultant

> "Reports are a great way to break things down for more clarifity."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6685125)

Becky F.

Software Developer

> "This is the trickiest part because I can't really think of anything I dislike; however, I do have some comment on the quality of..."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4669391)

KI

Kalume I.

Senior IT technician

> "The software integrates with Zoho invoice which makes work of creating invoice easy and massive. "

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___5003016)

VR

Verified Reviewer

Software developer

> "Limited customer support users can only access support via email or live chat,- limited user permissions"

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4640276)

Juan B.

CEO

> "I was able to easily and quickly track my income and expenses and generate financial reports in seconds."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4903814)

Kirti V.

developer

> "Zoho Books offers limited support options, which may be frustrating for users who require immediate assistance."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4631918)

AT

Amy T.

CFO

> "It is great for companies with project management, from estimate to sales order to purchase orders and Invoicing."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4982810)

VR

Verified Reviewer

Land Surveyor

> "There are also expenses that I incur on my own as an employee of the company that need to be assigned to me alone still using my..."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#GetApp___3433842)

BB

Ben B.

CEO

> "Cloud-based with a solid mobile app so good for being on the go."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6734256)

BH

Ben H.

Manager

> "Very little hand holding or clues for the average business user that doesn't have an accounting degree."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4622616)

BB

Brian B.

Devevloper

> "Zoho books has the ability to manage accounting in non-profit organizations."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4744904)

SV

Shanmugam V.

Article Trainee

> "The data migration from our old software to Zoho was a bit difficult."

[See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4601740)

[View Reviews](https://www.capterra.com/p/163115/Zoho-Books/reviews/)

## User interface

4.30 (2,238)

4.39 (671)

## 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

Do these products fit your needs?

Prioritize real-user-identified key features according to your needs to find your best fit.

\--% Fit

vs

\--% Fit

Access Controls/Permissions

207

Important

Accounting Integration

150

Important

Activity Dashboard

120

Important

SAP Concur

Top features

29/42

-   Access Controls/Permissions
-   Accounting Integration
-   Activity Dashboard
-   AI Copilot
-   API
-   Approval Process Control
-   Audit Trail
-   Automated Receipt Matching
-   Billable & Non-Billable Hours
-   Budgeting/Forecasting
-   Categorization/Grouping
-   Compliance Management
-   Corporate Card
-   Credit Card Management
-   Customizable Fields
-   Customizable Templates
-   Data Import/Export
-   Duplicate Detection
-   Electronic Payments
-   Expense Claims
-   Expense Tracking
-   Financial Analysis
-   Generative AI
-   Invoice Management
-   Mileage Tracking
-   Mobile Access
-   Mobile Receipt Upload
-   Multi-Currency
-   Optical Character Recognition
-   Policy Management
-   Real-Time Notifications
-   Real-Time Updates
-   Receipt Management
-   Reimbursement Management
-   Reminders
-   Reporting & Statistics
-   Secure Data Storage
-   Single Sign On
-   Spend Control
-   Third-Party Integrations
-   Timesheet Management
-   Workflow Management

[See all features](https://www.capterra.com/p/380/Concur-Expense/#features)

Zoho Books

21/42

-   Access Controls/Permissions
-   Accounting Integration
-   Activity Dashboard
-   AI Copilot
-   API
-   Approval Process Control
-   Audit Trail
-   Automated Receipt Matching
-   Billable & Non-Billable Hours
-   Budgeting/Forecasting
-   Categorization/Grouping
-   Compliance Management
-   Corporate Card
-   Credit Card Management
-   Customizable Fields
-   Customizable Templates
-   Data Import/Export
-   Duplicate Detection
-   Electronic Payments
-   Expense Claims
-   Expense Tracking
-   Financial Analysis
-   Generative AI
-   Invoice Management
-   Mileage Tracking
-   Mobile Access
-   Mobile Receipt Upload
-   Multi-Currency
-   Optical Character Recognition
-   Policy Management
-   Real-Time Notifications
-   Real-Time Updates
-   Receipt Management
-   Reimbursement Management
-   Reminders
-   Reporting & Statistics
-   Secure Data Storage
-   Single Sign On
-   Spend Control
-   Third-Party Integrations
-   Timesheet Management
-   Workflow Management

[See all features](https://www.capterra.com/p/163115/Zoho-Books/#features)

### Recognition

No recognitions have been awarded to SAP Concur

No recognitions have been awarded to Zoho Books

### Deployment & support

SAP Concur

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   Mobile Android
-   Mobile iPhone
-   Mobile iPad

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

Zoho Books

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   Mobile Android
-   Mobile iPhone
-   Mobile iPad

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

### Company Details

SAP Concur

-   By SAP
-   Located in Germany
-   Founded in 1999

Zoho Books

-   By Zoho
-   Located in United States
-   Founded in 1996

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[Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[4.39 (671)](https://www.capterra.com/p/163115/Zoho-Books/reviews/)

vs

[NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.22 (1,991)](https://www.capterra.com/p/135757/NetSuite/reviews/)

$20/month

Price

Contact vendor for pricing

4.3

Features

4.2

4.4

Ease of Use

4.0

[View full comparison](https://www.capterra.com/compare/135757-163115/NetSuite-vs-Zoho-Books)

[SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,238)](https://www.capterra.com/p/380/Concur-Expense/reviews/)

vs

[QuickBooks Online Advanced](https://www.capterra.com/p/189398/QuickBooks-Online/)[4.43 (1,037)](https://www.capterra.com/p/189398/QuickBooks-Online/reviews/)

Contact vendor for pricing

Price

$235/month

4.2

Features

4.4

4.1

Ease of Use

4.4

[View full comparison](https://www.capterra.com/compare/380-189398/Concur-Expense-vs-QuickBooks-Online)

[Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[4.39 (671)](https://www.capterra.com/p/163115/Zoho-Books/reviews/)

vs

[QuickBooks Online Advanced](https://www.capterra.com/p/189398/QuickBooks-Online/)[4.43 (1,037)](https://www.capterra.com/p/189398/QuickBooks-Online/reviews/)

$20/month

Price

$235/month

4.3

Features

4.4

4.4

Ease of Use

4.4

[View full comparison](https://www.capterra.com/compare/163115-189398/Zoho-Books-vs-QuickBooks-Online)