SAP Concur vs Zoho Expense (2026): which should you pick?
As of Nov 13, 2026, we pick Zoho Expense: it is third in our ranking of spend and bill pay tools, and it grades higher too, 3.0 against 2.0.
Checked Oct 18, 2026 and Nov 12, 2026 · graded Oct 18, 2026 and Nov 12, 2026 by ToolGPA
SAP Concur grades higher on features. Zoho Expense grades higher on value for money, the free plan and ease of use. They get the same grade on platforms.
Price, platforms and features side by side. The table says where each price was read and when.
SAP Concur
Expense, travel and invoice management for all company sizes
Zoho Expense
Expense reports, receipt scanning and travel booking from Zoho
Which one is for you
Pick SAP Concur if
- Fits if you are a large company with travel and international expense claims
- Works for finance teams that want compliance checks built in
Look elsewhere if
- Pricey if you file many reports, as the $7 and $11 are per report and only starting prices
- Not for you if you want to try it free, as there is no free plan or trial
- Watch out: Premium and Travel need a quote
- Watch out: the mobile app is free to download but needs an active subscription
Pick Zoho Expense if
- Fits if you're a team of 3 or fewer and want expense reports free
- Works for teams already on Zoho Books or other Zoho apps
Look elsewhere if
- Skip it if you want supplier bills paid from the same tool
- Tight if anyone scans more than 20 receipts a month on the free plan
- Pricey if you book travel through it without Premium, at $9.99 a trip as an add-on
- Watch out: anyone who creates an expense or report is billed as a user
- Pricey if you want premium support, which starts at $490 a year, or ERP and HR links on Standard
How we grade them
| 2.0GPASAP ConcurFair | 3.0GPAZoho ExpenseVery good | |
|---|---|---|
| Value for money | CBase starts at $7 per report and Plus at $11, with the rate falling as your commitment rises. Pricing by report is not directly per seat, so we leave it at the middle of the category's $7.50, $12 and $20. | BGraded against its expense-tool alternatives. Ten people on Standard cost $30 a month at $3 each, billed yearly. That's less than Expensify, Navan, Rydoo or Pleo charge for ten, though Ramp does expenses for nothing. |
| Free plan and trial | FThe pricing page has no free plan or trial. | BThe free plan runs the whole loop for up to 3 users: 20 AI receipt scans each a month, reports, GPS mileage, the prepaid card and accounting links. One person could live on it. Paid plans have a 14-day trial with no card. |
| Features | BExpense reports, travel booking, invoice management, compliance checks, global tax and currency, and a mobile app. The listing shows no gap in the core expense work. | CExpense reports are done fully, with AI scans in 38+ languages, policies, mileage, card feeds and ACH reimbursements. It's a smaller job than the category's, though: no supplier bill pay is listed, and travel booking needs Premium. |
| Ease of use | CNo store rating on record. Policies, approvals and an accounting integration to set up. | A4.84 from 8,238 App Store ratings, the top band. Snap the receipt and it reads the lines for you, and mileage tracks itself by GPS. |
| Platforms and integrations | BWeb plus iPhone and Android apps, with six integrations on record. | BWeb, iPhone and Android, with Zoho Books, QuickBooks Online, Xero, NetSuite, Zoho People, Zoho CRM, Uber and Slack. No desktop app is listed, and ERP and HR integrations are an add-on on Standard. |
| Best for | global expense reports and travel at big companies | expense reports for small teams from $3 a user |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: SAP Concur and Zoho Expense. How we grade
Price against what you get
SAP Concur starts at $7 a month and scores 2.7 out of 4 on features, ease of use and platforms. Zoho Expense starts at $3 a month for each person and scores 3.0.
Zoho Expense scores higher and starts $4 a month lower. Of the other spend and bill pay tools on the chart, 2 score higher than SAP Concur for less, and none scores higher than Zoho Expense for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- SAP Concur also covers workflow automation and bill pay.
- Zoho Expense also covers company cards.
At a glance
| SAP Concur | Zoho Expense | |
|---|---|---|
| Pricing | Paid | Free plan |
| Starts at | $7 per report, varying with monthly commitment | $3 per user / month, billed annually ($4 billed monthly) |
| Free plan | None | Free: up to 3 users, 20 AI receipt scans per user a month, expense reports, GPS mileage, multi-currency expenses, accounting integrations and 5 GB of receipt storage. |
| Free trial | None listed | 14-day free trial, no credit card required |
| Web | ||
| iOS | ||
| Android | ||
| Made by | SAP Concur | Zoho Corporation |
| Price read from | concur.com | zoho.com |
| Checked | Nov 12, 2026 | Oct 18, 2026 |
Worth knowing
SAP Concur
- Pricing is per expense report, and the page says the rate falls as the contract commitment grows.
- The $7 and $11 figures are starting prices; Premium and Travel require a quote.
- There is no free plan or free trial on the pricing page.
- The mobile app is free to download but needs an active subscription.
Zoho Expense
- Anyone who creates an expense or report is billed as a user. The free plan stops at 3 users and 20 receipt scans per user a month.
- ERP and HR integrations are an add-on on Standard, travel self-booking as an add-on costs $9.99 a trip, and premium support starts at $490 a year.
- The Zoho Prepaid Mastercard is issued by Pathward, N.A. and is loaded from a funding account rather than a credit line.
- Travel booking, per diems, live budgets and multi-entity expenses need Premium.
Key features
SAP Concur
- Expense reports
- Automatic receipt capture and report generation, with spending policies that can be applied and updated centrally.
- Travel booking
- Concur Travel works with any travel management company or GDS and includes an AI assistant trained on company policy.
- Invoice management
- Concur Invoice covers PO matching, approval routing and duplicate-payment prevention.
- Compliance checks
- Real-time out-of-policy flagging before submission and configurable approval hierarchies by spend and organization.
- Global tax and currency
- VAT reclaim, real-time exchange rates at entry and multiple currencies within one organization.
- Mobile app
- A free app for iPhone and Android, which needs an active SAP Concur subscription to use.
Zoho Expense
- AI receipt scanning
- Receipts are read in more than 38 languages and turned into itemized expenses, up to a monthly scan limit that rises with the plan.
- Policies and approvals
- Expense reports go through approval rules, and Zia AI flags possible fraud and alcohol on receipts from the Standard plan.
- Mileage and per diem
- Track drives by GPS on a phone or Apple Watch, and apply GSA per diem rates automatically on Premium.
- Cards and reimbursements
- Real-time Visa and Mastercard feeds, the Zoho Prepaid Mastercard, cash advances and direct ACH reimbursements to employees.
- Travel booking
- Premium adds employee self-booking of flights and hotels, guest booking and an in-house travel desk tool.
- Zoho and accounting links
- Exports to Zoho Books, QuickBooks Online, Xero and NetSuite, and works with Zoho People, Zoho CRM and Zoho Projects.
Plans
SAP Concur
Base$7
per report; varies with monthly commitment
Starting price for smaller businesses with basic expense reporting. Unlimited users and Concur Expense.
Plus$11
per report; varies with monthly commitment
Starting price. Adds ExpenseIt, User Support Desk and reporting. Unlimited users.
PremiumCustom
Custom quote. Adds Concur Travel, Intelligence and more to the Plus features. Unlimited users.
Zoho Expense
Free$0
Up to 3 users, 20 receipt scans per user a month, expense reports, GPS mileage, the Zoho Prepaid Mastercard and accounting integrations.
Standard$3
per user / month, billed annually ($4 billed monthly)
200 scans per user a month, card feeds, multiple policies, cash advances, ACH reimbursements, SSO and Zia AI reporting and audit.
Premium$5
per user / month, billed annually ($6 billed monthly)
1,000 scans per user a month, travel self-booking, a travel desk, GSA per diems, live budgets and multi-entity expenses.
EnterpriseCustom
A spend platform combining travel, expenses, cards, procurement, accounts payable and payroll, quoted for large organizations.
Ways to pay less
SAP Concur
No public discounts listed.
Zoho Expense
- Annual discount
Save up to 25% with yearly billing
Standard costs $3 per user a month billed yearly instead of $4 monthly, and Premium $5 instead of $6.
- Nonprofit
Discounted pricing for nonprofits
Zoho says Zoho Expense is available at discounted pricing for nonprofit organizations; the discount is not stated.
Common questions
Which is cheaper, SAP Concur or Zoho Expense?
As of Nov 12, 2026, SAP Concur starts at $7 per report, varying with monthly commitment, and Zoho Expense starts at $3 per user / month, billed annually ($4 billed monthly). One is priced for each person and the other is not, so which costs less depends on how many of you use it.
Which has a free plan, SAP Concur or Zoho Expense?
As of Nov 12, 2026, only Zoho Expense has a free plan. SAP Concur does not.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.