SAP Concur vs. Xero

At a glance

Best for

Best for companies that already run an ERP and want employee travel, expense and supplier invoices governed by one policy before the data lands in it.

Small and mid-sized
Enterprise

Xero

Best for

Best for small businesses that want bank reconciliation, document capture and unlimited users on every plan, with payroll handled through Gusto.

Freelancers
Small and mid-sized

Cataleo does not name a winner. Both statements come from the vendors themselves.

Full Comparison

Criterion	SAP Concur	Xero
Starting price	lower value From $7 / report Billed per expense report with unlimited users on every package; the rate per report falls as the contracted monthly volume rises. Plus starts at $11 per report, Premium is quoted by the vendor.	From $25 / month United States plans, per organisation. Growing is $55 and Established $90 a month. Plan names and prices differ by country. Xero is running 90 percent off the first six months for purchases made by 30 September 2026.
API	Yes, open APIs plus an App Center with more than 300 pre-built connectors	Yes, a documented open API and the Xero App Store with more than 1000 apps
Hosting	Cloud (SaaS), with mobile and web access	Cloud (SaaS)
Invoicing and quotes	No customer invoicing or quotes; Concur Invoice handles incoming supplier invoices, captured from email, PDF, paper or electronic formats and matched against purchase orders and receipts	Yes, professional online invoices and quotes from the desktop or mobile app, with sales tax calculated automatically
Bookkeeping and bank feeds	No general ledger of its own; corporate card and bank card feeds bring transactions in, and the results post to the connected system, with named integrations for SAP, NetSuite, QuickBooks and Xero	Yes, bank reconciliation on every plan, with Hubdoc pulling bills and receipts into Xero
Expenses and receipts	Yes, this is the core: ExpenseIt receipt capture, automatic card transactions, policy applied in real time, approval routing and reimbursement, on mobile and web	Yes, employee expense and mileage claims, plus receipt and bill capture through Hubdoc
Tax and compliance	Company policy applied at the moment of entry, with Concur Detect by Oversight auditing reports through machine learning for fraud and compliance risks before and after reimbursement	Yes, automatic sales tax on invoices with an Avalara integration for detailed tax reporting
Payroll	No payroll of its own; the platform covers travel, expense and supplier invoices and connects to payroll and HR systems through the App Center, for example ADP and Workday	Available through an integration with Gusto, Xero's preferred payroll partner
Reports and exports	Reporting is part of the Plus package, and the Intelligence analytics product is part of Premium	Yes, financial reports, analytics and a real-time dashboard on every plan
Integrations and API	Yes, open APIs and an App Center with more than 300 pre-built connectors, including SAP, NetSuite, QuickBooks, Xero, ADP and Workday	Yes, a documented open API and the Xero App Store with more than 1000 apps
AI features	stated Yes	No
Deployment	Cloud (SaaS), Browser-based	Cloud (SaaS), Browser-based
Company size	Small and mid-sized, Enterprise	Freelancers, Small and mid-sized
Integrations	more entries SAP, NetSuite, QuickBooks, Xero, ADP, Workday, Egencia	Gusto, Avalara, Hubdoc

Compare more tools

Row where the values differ The small markers point at the lower number, the longer list or the stated feature. They describe the data, they are not a verdict.

The short version

Key Differences

Starting price SAP Concur From $7 / report Xero From $25 / month
Company size SAP Concur Small and mid-sized, Enterprise Xero Freelancers, Small and mid-sized
Hosting SAP Concur Cloud (SaaS), with mobile and web access Xero Cloud (SaaS)
AI features SAP Concur Yes Xero No
API SAP Concur Yes, open APIs plus an App Center with more than 300 pre-built connectors Xero Yes, a documented open API and the Xero App Store with more than 1000 apps

Every line is one datapoint from the table above, picked automatically. Nothing here is written text.

The trade-offs

Strengths and Limitations

SAP Concur

Strengths

Travel, expense and supplier invoices run through one policy and one approval chain
More than 300 pre-built connectors plus open APIs for posting into an existing ERP
Every package includes unlimited users, so cost tracks activity rather than headcount
Concur Detect audits expense reports for fraud and compliance risks after the fact

Limitations

No bookkeeping, no customer invoicing and no general ledger; a finance system is assumed alongside
Concur Travel and the Intelligence analytics only arrive with the quoted Premium package
The per-report price depends on the contracted volume, so the list rate is a starting point rather than a quote

Xero

Strengths

Bank reconciliation and Hubdoc document capture on every plan
Unlimited users at no extra cost on all plans
Automatic sales tax with an Avalara integration
Documented API and an App Store with more than 1000 apps

Limitations

Payroll relies on the Gusto integration rather than being native
Multi-currency and project profitability are reserved for the Established plan

Plans

Pricing

SAP Concur

Base From $7 / report Unlimited users and Concur Expense, for smaller businesses with basic expense reporting needs.
Plus From $11 / report Adds ExpenseIt, the User Support Desk and reporting.
Premium Not stated Custom pricing. Adds Concur Travel and Intelligence on top of the Plus package.

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Xero

Early $25 Per month, United States pricing. Quotes and 20 invoices, 5 bills, bank reconciliation, Smart Document Capture, real-time reports, sales tax, W-9 and 1099 management and a 30-day cash flow forecast.
Growing $55 Per month, United States pricing. Removes the invoice and bill limits and adds automated bill entry, auto-reconciliation, performance dashboards, financial health scorecards, budgets and a 60-day cash flow forecast.
Established $90 Per month, United States pricing. Adds multiple currencies, project time, cost and profitability tracking, employee expense and mileage claims, industry benchmarking and a 180-day cash flow forecast.

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What users say

Review Scores · opens after launch

SAP Concur

Ease of use: Not rated yet
User interface: Not rated yet
Onboarding: Not rated yet
Support and service: Not rated yet
Value for money: Not rated yet
Features: Not rated yet

No reviews yet. Be the first to review this tool. Every review is checked for fairness before it appears, and the vendor cannot have one removed.

Xero

Ease of use: Not rated yet
User interface: Not rated yet
Onboarding: Not rated yet
Support and service: Not rated yet
Value for money: Not rated yet
Features: Not rated yet

No reviews yet. Be the first to review this tool. Every review is checked for fairness before it appears, and the vendor cannot have one removed.

Where this comes from

SAP Concur https://www.concur.com · checked against the official source on 2026-09-12

Xero https://www.xero.com · checked against the official source on 2026-08-19

This table lists factual criteria taken from information the vendors publish themselves. For how we put it together, see the methodology.