SAP Concur vs Zoho Expense comparison

SAP and Zoho are both solutions in the Expense Management category. SAP is ranked #1, while Zoho is ranked #3 with an average rating of 8.0. SAP holds a 13.4% mindshare in EM, compared to Zoho’s 2.2% mindshare. Additionally, 100% of SAP users are willing to recommend the solution, compared to 100% of Zoho users who would recommend it.

SAP Concur

Read 1 SAP Concur review

826 Views
826 Comparison Views

100% willing to recommend

Zoho Expense

Read 2 Zoho Expense reviews

179 Views
179 Comparison Views

100% willing to recommend

SAP Concur

Zoho Expense

Comparison Buyer's Guide

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Executive Summary

We performed a comparison between SAP Concur and Zoho Expense based on real PeerSpot user reviews.

Find out what your peers are saying about SAP, Expensify, Zoho and others in Expense Management.

Review summaries and opinions

We asked business professionals to review the solutions they use. Here are some excerpts of what they said:

Categories and Ranking

SAP Concur

Ranking in Expense Management

1st

Average Rating

7.0

Number of Reviews

Ranking in other categories

No ranking in other categories

Zoho Expense

Ranking in Expense Management

3rd

Average Rating

8.0

Number of Reviews

Ranking in other categories

No ranking in other categories

Mindshare comparison

As of January 2026, in the Expense Management category, the mindshare of SAP Concur is 13.4%, down from 20.3% compared to the previous year. The mindshare of Zoho Expense is 2.2%, down from 2.9% compared to the previous year. It is calculated based on PeerSpot user engagement data.

Expense Management Market Share Distribution
Product	Market Share (%)
SAP Concur	13.4%
Zoho Expense	2.2%
Other	84.4%

Expense Management

Featured Reviews

it_user405795

Assistant to the President at a non-profit with 51-200 employees

Big improvement over managing expenses in Excel. Don’t expect any value out of customer service.

Support and help. Their online help is useless, and support is iffy at best. They tend to try to blame third parties, take a long time to respond, and aren’t good at communication. You are forced to use a travel agent, they charge $8 for each booking, and $27 for each call. TripIt sync is great, but there is no calendar integration with Outlook, which is awful.

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Shreyans Vasa

Director - Security & Emerging Technologies at CAVITAK

Has supported seamless mobile workflows and improved reporting accuracy across finance and HR tasks

It can be more integrated with cab providers such as Uber. Uber is already integrated, but services such as credit cards and other bill payments could be directly integrated. When you do any expense and swipe the card, all the details could automatically populate, and you would only need to provide the reason. This would create the best user experience. Instead of returning to home or the office to fill up all the details and verify, it could fill up all the details automatically from the card detail and only ask for the reason. Even reasons could be standardized. For instance, if it is a restaurant, it is obvious the expense is for food. If it is a mobile bill, it is for the operator bill payment. In these cases, AI could suggest the right reason based on previous payment history. We do not use the GPS mileage tracking feature as it is quite plain and suited for old school people.

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881,114 professionals have used our research since 2012.

Top Industries

By visitors reading reviews

Financial Services Firm

10%

Media Company

10%

Computer Software Company

Manufacturing Company

No data available

Company Size

By reviewers

Large Enterprise

Midsize Enterprise

Small Business

No data available

Questions from the Community

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What needs improvement with Zoho Expense?

Sometimes there are issues in the approval flow in Zoho Expense. There are some approval issues with permissions, though I am unable to recall the specific details at this time.

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What is your primary use case for Zoho Expense?

We use Zoho Expense, and we are planning to implement Zoho Payroll. We are in a discussion about that. In our organization, we use Zoho Expense because we have three different locations in India. I...

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What advice do you have for others considering Zoho Expense?

I have experience working with Zoho People, which is the HR platform. I only know about Zoho People; I don't know about Zoho People Plus. Currently, we validate our data on Excel after exporting it...

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Comparisons

Expensify vs SAP Concur

Compared 25% of the time

Chrome River vs SAP Concur

Compared 16% of the time

Emburse Professional vs SAP Concur

Compared 15% of the time

Rydoo vs SAP Concur

Compared 12% of the time

Navan vs SAP Concur

Compared 6% of the time

More SAP Concur Competitors

Expensify vs Zoho Expense

Compared 100% of the time

More Zoho Expense Competitors

Product Reports

No data available

Buyer's Guide

Expensify vs. Zoho Expense

December 2025

Download Zoho Expense product report

Overview

Concur Expense is designed so your organization can easily enforce spending policies, capture receipts, process expense reports and make better business decisions based on timely, accurate data.

SAP

Zoho Expense is online expense reporting software, tailor-made for businesses worldwide to automate expense report creation, streamline approvals and make swift reimbursements.

Zoho

Sample Customers

Unisys, Acumed, Adelman Travel, Allen Vanguard, ALPS Corporation, American Red Cross, Animoto

Jumbotail, Makemytrip, Purolite, Goibibo, Foodpanda

See our list of best Expense Management vendors.

We monitor all Expense Management reviews to prevent fraudulent reviews and keep review quality high. We do not post reviews by company employees or direct competitors. We validate each review for authenticity via cross-reference with LinkedIn, and personal follow-up with the reviewer when necessary.