SAP Concur vs Zoho Expense — 2026 comparison
A side-by-side look at how SAP Concur and Zoho Expense compare on score, real user ratings, pricing and features.
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The verdict
SAP Concur and Zoho Expense are both Expense Management Software options worth comparing. Zoho Expense ranks higher in our editorial score (87 vs 80 out of 100). SAP Concur has the larger review base (9,587 reviews across 3 sources). SAP Concur is best for large enterprises with heavy travel; Zoho Expense is best for budget-conscious smbs. Starting price: SAP Concur Custom quote, Zoho Expense Free; paid from $3/user/mo. See the full breakdown below, then read each review before you decide.
Pick SAP Concur if…large enterprises with heavy travel
Pick Zoho Expense if…budget-conscious smbs
Side by side
| SAP Concur | Zoho Expense | |
|---|---|---|
| Our score | 80/100 | 87/100 |
| User consensus | 4.0/5 (9,587) | 4.5/5 (2,756) |
| Starting price | Custom quote | Free; paid from $3/user/mo |
| Best for | large enterprises with heavy travel | budget-conscious smbs |
| Receipt capture | ||
| Corporate cards | ◑ | ◑ |
| Approvals & policy | ||
| Reimbursements | ||
| Accounting integration | ||
| Travel/per-diem |
SAP Concur
- Robust travel booking and policy controls suited to large, global organizations
- Deep integrations with SAP and other major ERP and accounting systems
- – Interface feels dated and the setup is complex for smaller teams
- – Pricing is opaque and support can be slow for non-enterprise accounts
Zoho Expense
- Excellent value with a capable free tier and low per-user pricing
- Automatic receipt scanning and mileage/per-diem tracking work reliably
- – Deepest benefits require buying into the broader Zoho ecosystem
- – Support responsiveness and advanced customization can lag competitors