The short answer
Zoho Expense and SAP Concur both cover expenses and corporate travel, priced in different units. Zoho Expense is free for up to 3 users, Standard costs $3 per user a month billed yearly and Premium $5, with a travel desk on Premium.
LeadChange Score: editorial assessment based on public information.
Zoho Expense wins 2SAP Concur wins 12 ties
| Dimension | Zoho Expense | SAP Concur |
|---|---|---|
| PricingZoho Expense is free for up to 3 users; Standard costs $3 and Premium $5 per user a month billed yearly. SAP Concur starts from $7 per expense report on Base and $11 on Plus; Premium is custom. | $3/user/mo | $7/report (Base plan) |
| CapabilitiesZoho Expense documents all 10 of our expense capabilities, with GPS mileage, per diems and cash advances. SAP Concur documents 7 and adds Concur Invoice and Concur Travel. Receipt OCR in 38+ languages with itemized capture, Automatic GPS mileage tracking, Real-time Visa and Mastercard card feeds, GSA compliant per diem (Premium), Duplicate and fraud detection in expense audits, Zoho Prepaid Mastercard | 10 of 10 core capabilities | 7 of 10 core capabilities |
| IntegrationsSAP Concur lists 300+ pre-built connectors, including SAP, NetSuite, QuickBooks, ADP and Egencia. Zoho Expense names QuickBooks, Xero, Sage Accounting and Zoho Books, with 1000+ apps through Zoho Flow; ERP and HRMS integrations are an add-on on Standard. 300 | 9 documented | 300 native |
| Fit and supportBoth sell from small businesses to enterprises. SAP Concur offers 24/7 support from experts; Zoho offers email and phone, and a paid Premium Support add-on. Small businesses, mid-market companies, enterprises | Small businesses, mid-market companies, enterprises | Small businesses, mid-market companies, enterprises |
| SecurityBoth state SOC 2 Type 2. Zoho Expense also states GDPR compliance and ISO certification; Concur’s report covers April 2025 to March 2026 and is shared under NDA. Yes | SOC 2, ISO 27001, GDPR | SOC 2 |
| Attribute | Zoho Expense | SAP Concur |
|---|---|---|
| Pricing model | Per user | Tiered plans |
| Price transparency | Published | Partly published |
| Support channels | Email, phone (Standard and Premium), Premium Support add-on with a dedicated relationship manager | 24/7 support from experts, User Support Desk for employees (Plus and Premium) |
| Founded | 1996 | 1993 |
| Ownership | Private | Subsidiary |
| Attribute | Zoho Expense | SAP Concur |
|---|---|---|
| Best for | Small businesses, mid-market companies, enterprises | Small businesses, mid-market companies, enterprises |
| Mobile apps | iOS, Android | iOS, Android |
| Open API | ||
| Single sign-on | SAML 2.0 | |
| SOC 2 Type II |
Pricing. Zoho Expense is free for up to 3 users; Standard costs $3 and Premium $5 per user a month billed yearly. SAP Concur starts from $7 per expense report on Base and $11 on Plus; Premium is custom.
Capabilities. Zoho Expense documents all 10 of our expense capabilities, with GPS mileage, per diems and cash advances. SAP Concur documents 7 and adds Concur Invoice and Concur Travel.
Integrations. SAP Concur lists 300+ pre-built connectors, including SAP, NetSuite, QuickBooks, ADP and Egencia. Zoho Expense names QuickBooks, Xero, Sage Accounting and Zoho Books, with 1000+ apps through Zoho Flow; ERP and HRMS integrations are an add-on on Standard.
Fit and support. Both sell from small businesses to enterprises. SAP Concur offers 24/7 support from experts; Zoho offers email and phone, and a paid Premium Support add-on.
Security. Both state SOC 2 Type 2. Zoho Expense also states GDPR compliance and ISO certification; Concur’s report covers April 2025 to March 2026 and is shared under NDA.
Ramp has the highest LeadChange Score in Expense Management after excluding these two (9.1/10).
From $0/user/mo
For small and mid-size teams that want published prices, often yes: Zoho Expense costs $3 per user a month billed yearly and covers all 10 of our core expense capabilities. SAP Concur remains the broader option for companies on SAP, with 300+ connectors and Concur Invoice.
Zoho Expense: free for 3 users, Standard $3 and Premium $5 per user a month billed yearly ($4 and $6 monthly). SAP Concur: from $7 per expense report on Base and $11 on Plus, with unlimited users; the per-report price falls as volume rises.
Expensify is Zoho Expense’s closest competitor at a similar price; SAP Concur, Rydoo and Navan compete on travel and expense together. Zoho’s travel desk and per diems put it next to Concur, and Concur Travel puts Concur next to Navan.
Yes, on Premium: travel self-booking, a travel desk and GSA compliant per diem automation; self-booking costs $9.99 per trip. SAP Concur reconciles travel bookings with expense reports, and Concur Travel is part of Premium.
Travel self-booking at $9.99 per trip, Premium Support from $490 a year, onboarding with integration setup from $500 a year, and ERP or HRMS integrations on Standard. SAP Concur prices add-on products and services into a custom plan.
Zoho Expense comes from Zoho Corporation, which began as AdventNet in New Jersey in 1996 and is private. SAP Concur is part of SAP SE, which agreed to acquire Concur Technologies in 2014; Concur was founded in 1993 in Bellevue, Washington.
Both have SOC 2 Type 2 reports. SAP Concur’s covers security, availability and confidentiality from April 1, 2025 to March 31, 2026, under NDA; Zoho lists Zoho Expense in the scope of its SOC 2 Type 2 report. Zoho Expense also states GDPR compliance and ISO certification.
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