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
Accounting & Invoicing Comparison
SAP Concur vs. Zoho Expense
At a glance
At a glance
Best for
Best for small and mid-sized businesses that want receipt, card, mileage and per diem handling on top of an existing accounting system at a low per-user price.
- Small and mid-sized
- Enterprise
Cataleo does not name a winner. Both statements come from the vendors themselves.
Full Comparison
| Criterion | SAP Concur | Zoho Expense |
|---|---|---|
| Starting price | 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. | lower value Free for up to 3 users; Standard $4 / user / month Standard is $3 and Premium $5 per user per month billed annually, or $4 and $6 billed monthly. The amounts are from the global edition's pricing page in USD and exclude local taxes. Enterprise plans are quoted. Add-ons include Premium Support from $490 a year, Jumpstart onboarding from $500 a year and self-booked travel at $9.99 per trip. |
| Free trial | Not stated | Free plan for up to 3 users; 14-day free trial of the paid plans without a credit card |
| API | Yes, open APIs plus an App Center with more than 300 pre-built connectors | Yes, a REST API with OAuth and an OpenAPI document, plus Zoho MCP |
| Languages | Not stated | Receipt OCR in 38+ languages |
| 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 | No customer invoicing or quotes. Expenses can be tagged to customers and projects on every plan, and the invoicing itself stays in the connected accounting system |
| 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 | No general ledger of its own. Expenses sync to Zoho Books, QuickBooks Online, QuickBooks Desktop (US and Canada), Xero and Sage Accounting, and to SAP, Oracle, Microsoft Dynamics and NetSuite, with ERP and HRMS integrations as an add-on on Standard. Corporate card feeds from Visa, Mastercard, Amex and HSBC are fetched and reconciled automatically |
| 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, this is the core of the product: receipt capture with AI-powered OCR (20 scans per user a month on Free, 200 on Standard, 1,000 on Premium), itemised receipts, split and multi-currency expenses, GPS mileage, per diem with region-specific rates, petty cash, cash advances, policies, rules, budgets, multi-stage approvals and reimbursements by ACH or direct deposit |
| 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, global tax compliance on every plan, dedicated editions with local compliance for the US, the UK, India, Canada, Australia, the UAE and Saudi Arabia, GSA-compliant automated per diem on Premium, audit trails, duplicate and policy-violation alerts, and GDPR compliance with ISO certification |
| 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 | No payroll module in Zoho Expense itself. Reimbursement settlements sync to payroll, HRMS and ERP systems, and Zoho offers payroll as a separate module of its wider spend management platform |
| Reports and exports | Reporting is part of the Plus package, and the Intelligence analytics product is part of Premium | Yes, expense reports, visual dashboards, ready-to-use analytics templates and audit trail reports, an AI insights dashboard on Standard, and custom reports and dashboards through the Zoho Analytics integration |
| 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 REST API at zohoapis.com/expense/v1 with OAuth tokens, a downloadable OpenAPI document and separate domains for Zoho's regional data centres. Workflow rules can call webhooks and custom functions, the Standard plan adds WhatsApp and Slack integrations, and the pricing page lists Zoho Expense MCP on every plan, including Free |
| AI features | Yes | Yes |
| MCP-ready | No | stated Yes |
| Deployment | Cloud (SaaS), Browser-based | Cloud (SaaS), Browser-based |
| Support | Not stated | Email helpdesk, Phone |
| Onboarding | Not stated | Documentation and knowledge base, Personal consulting |
| Company size | Small and mid-sized, Enterprise | Small and mid-sized, Enterprise |
| Integrations | SAP, NetSuite, QuickBooks, Xero, ADP, Workday, Egencia | more entries Zoho Books, QuickBooks Online, QuickBooks Desktop, Xero, Sage Accounting, SAP, Oracle, Microsoft Dynamics, NetSuite, Zoho Analytics, Sabre GetThere, myBiz, RouteSpring, WhatsApp, Slack |
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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 Zoho Expense Free for up to 3 users; Standard $4 / user / month
- Hosting SAP Concur Cloud (SaaS), with mobile and web access Zoho Expense Cloud (SaaS)
- MCP-ready SAP Concur No Zoho Expense Yes
- API SAP Concur Yes, open APIs plus an App Center with more than 300 pre-built connectors Zoho Expense Yes, a REST API with OAuth and an OpenAPI document, plus Zoho MCP
- Invoicing and quotes SAP Concur 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 Zoho Expense No customer invoicing or quotes. Expenses can be tagged to customers and projects on every plan, and the invoicing itself stays in the connected accounting system
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
Zoho Expense
Strengths
- A free plan for up to three users, and low per-user prices on the paid plans
- AI receipt scanning, card reconciliation, mileage and per diem all on one app
- Local-compliance editions for seven countries besides the global edition
- Connects to Zoho Books, QuickBooks, Xero, Sage and the major ERPs
- A documented REST API and Zoho MCP for AI agents
Limitations
- No invoicing, general ledger or payroll of its own
- Travel booking, GSA per diem and multi-entity management need the Premium plan
- ERP and HRMS integrations are an add-on on Standard
- Live chat, a dedicated relationship manager and hands-on onboarding are paid add-ons
- Receipt scanning is capped per user per month on every 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.
Zoho Expense
- Free $0 Up to 3 users. Receipt capture with AI-powered OCR, expense reports, mileage via GPS, accounting integrations, global tax compliance, multi-currency expenses, customer and project tracking, a basic audit trail, 5 GB of receipt storage, email support and Zoho Expense MCP.
- Standard $4 Per user per month billed monthly, or $3 billed annually. Adds itemised receipt capture, corporate card management with real-time Visa and Mastercard feeds, multiple expense policies, custom roles, cash advances, ACH and direct bank reimbursements, WhatsApp and Slack integrations, email and call support, SSO and Zia AI features.
- Premium $6 Per user per month billed monthly, or $5 billed annually. Adds employee self-booking of flights and hotels, a travel desk, GSA-compliant per diem, live mileage tracking, live budget tracking, advanced approvals and customisation, multi-entity and multi-country management, duty of care, visa management and carbon emission tracking.
- Enterprise Not stated Custom plan quoted for large organisations with complex requirements.
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. Nothing has been published here yet, and no score is shown. How a review is checked before it appears is described below.
Zoho Expense
- 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. Nothing has been published here yet, and no score is shown. How a review is checked before it appears is described below.
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Where this comes from
Where this comes from
SAP Concur https://www.concur.com · checked against the official source on 2026-09-12
Zoho Expense https://www.zoho.com/expense/ · checked against the official source on 2026-09-26
This table lists factual criteria taken from information the vendors publish themselves. For how we put it together, see the methodology.