SAP Concur vs Zoho: 5 Considerations When Choosing a Spend Management Solution

When it comes to selecting a best-in-class spend management solution, finance leaders must consider more than just the price tag. The right solution should offer the latest in AI-powered automation, advanced solution integrations, seamless user experiences, trusted industry and customer reviews, and a proven track record of innovation.

Let’s use those five considerations to compare SAP Concur solutions with Zoho Expense.

Consideration #1: AI-powered spend management automation

AI is transforming finance, and SAP Concur leads the way in AI-powered spend management. The features and functionality of our integrated travel, expense, and invoice management solutions have earned SAP Concur recognition as a 2025 G2 Best Software Award winner on the Best Accounting and Finance Software list (seven positions higher than Zoho Expense and thirteen positions higher than Emburse Expense Professional). This is the fifth year in a row receiving G2’s Best Software Award recognition, thanks to the real-world customer feedback across our nearly 6,000 reviews.

In a head-to-head User Satisfaction Ratings report by G2, SAP Concur also beat out Zoho Expense across ALL twenty categories, including:

• Expense Automation
• Policy Compliance Management
• Travel Itinerary Management
• Bank / Credit Card Integration
• Electronic Payments
• Employee Reimbursements
• Advanced Integrations

Download the Expense Management Solution Comparison Checklist to compare Concur^® Expense with other options, including Zoho Expense.

Consideration #2: Advanced solution integrations

When it comes to spend management, advanced integrations are critical for ensuring smooth data flow across financial, travel, and expense ecosystems. SAP Concur stands out with its enterprise-grade integration capabilities available to businesses of all sizes, earning a score of 83 on G2’s User Satisfaction Ratings compared to Zoho Expense at 78.

Corporate bank and credit card integrations are another key part of expense management, yet a major source of frustration for employees who are tasked with manually reconciling transactions. Choosing a system with strong credit card integration can significantly improve financial accuracy and control. SAP Concur leads in this area, earning an 86 rating from G2 for Credit Card Integration, while Zoho Expense scored only 76.

The SAP Concur solution ecosystem extends beyond standard finance connections as well, offering 250+ pre-built integrations with leading CRM, HR, and travel management systems, apps, and networks.

Read this ebook to learn the key benefits of SAP Concur integrated travel, expense, and invoice platform.

Consideration #3: Seamless user experiences

While Zoho Expense may offer a simple user interface, SAP Concur goes beyond simplicity to provide an intuitive, customizable, and time-saving user experience across mobile, tablet, laptop, and desktop devices.

For example, the SAP Concur mobile app is one of the most powerful and highly rated in the industry, allowing users to scan receipts, approve expenses and invoices, and submit reports with AI-powered automation.

For companies with frequent business travelers, a smooth travel experience is just as important as expense tracking. On G2, SAP Concur ranks higher than Zoho Expense for both Travel Itinerary Management (86 vs. 75)* and Trip Notifications (85 vs. 79)*.

It’s also important to note that in a competitive job market, having a hassle-free travel, expenses, and AP system doesn’t just keep your employees happy. It helps keep them around. Organizations using an integrated platform see 2X more efficient in expense report processing, 10X faster expense reimbursement processing, and a 26% increase in policy compliance.

Download this infographic to see how Michael, a sales representative and road warrior, spends his day with SAP Concur solutions.

Consideration #4: Trusted industry and customers reviews

A key part of any software evaluation process is looking at independent analyst rankings and customer reviews. This is where SAP Concur yet again stands out as more than just another spend management platform.

• SAP Concur has been recognized as 2025 Buyer's Choice by TrustRadius, one of the leading review platforms for B2B technology, as well as the Top-Rated Expense Management Software in both the Expense Management and Travel Management categories.
• SAP Concur is recognized as a leader on G2’s Winter 2025 Grid^® Reports across Expense Management, Travel Management, and Invoice Management categories.
• SAP Concur is ranked #1 for worldwide market share in travel and expense management software, as confirmed in the latest IDC Worldwide Travel and Expense Management Software Market Shares 2023 Report. Zoho, by comparison, doesn’t have a large enough market share to even be named in the report.

Employees likewise love how SAP Concur solutions streamline tedious tasks, freeing them up for more important work.

“SAP Concur has been a lifesaver for organizing and managing business travel and expenses. What I genuinely love is how easy it is to integrate with other tools and systems we already use everything feels connected.”

G2 review | Verified user, Small Business (50 or fewer employees)

“[SAP Concur] significantly reduces manual tasks for integrated approach to travel, expense, and invoice management.”
Trust Radius review | Verified user, Mid-Market (201-500 employees)

“SAP Concur is the best platform for keeping a detailed record of all the travel and expenses your employees incur in the course of their work activities.”

G2 review | Verified user, Mid-Market (51-1000 employees)

“The software is very flexible and able to grow with our organization as we grow, which has been great. I don't think we would be able to keep up with [credit card] recons or reimbursements without SAP Concur.”

Trust Radius review | Verified user, Mid-Market (201-500 employees)

“Excellent experience. People across the business have reported that it is an excellent software, easy to manipulate. The fact that there is an app makes it much easier to not lose receipts/tax invoices. Very positive across the whole business.”

Capterra review | Verified user, SMB (51-200 employees)

Get this guide on How to Build a Business Case for Expense Management Automation.

Consideration #5: Proven track record of innovation

SAP Concur has been a leader in spend management for over 30 years, serving businesses of all sizes, from startups to Fortune 500 companies. We are the first to introduce expense reporting as a service, the first to integrate travel and expense management, and the first to bring AI and machine learning into the T&E space. And at the heart of it all? A commitment to making life easier for employees while delivering smart, timely insights to business leaders.

Today, SAP Concur solutions process billions in spending every year, giving us an unmatched depth of travel and expense data. That means we’re uniquely positioned to go beyond standard reporting by using generative AI to connect an organization’s policies and spending patterns with real-world data, like hotel pricing in a specific city.

The result? Personalized, highly relevant insights that no other T&E provider can match.

Download this ebook to discover how SAP Concur can help jumpstart your AI journey.

SAP Concur is still the one to beat.

Make the best choice for your team with SAP Concur solutions.

Reach out to an SAP Concur representative to see what’s possible.