A mobile-first expense management app that puts user experience above all else.
From an easy-to-use UI to deep customization, get all the features you need and more. Zoho Expense brings it all together with a price that's just as impressive.
Thousands of businesses are choosing Zoho Expense over SAP Concur
Reasons
To choose Zoho Expense
over SAP Concur
Simple and transparent pricing
No confusing tiers or surprise charges. Zoho Expense keeps pricing clear and predictable, so your finance team always stays in the know.
Customize with ease; no support needed
Customize policies and workflows with ease so your expense management works exactly the way you need it to, without any hassle or dependence on support.
An intuitive user experience
Navigating expenses shouldn't feel outdated. Zoho Expense offers a user-friendly, intuitive UI that makes it easy for employees and admins to get things done.
Receipt capture made easy
From AI-powered Autoscan in 15+ languages to email forwarding, browser extensions, and ride-sharing integrations, Zoho Expense makes capturing receipts effortless, wherever they come from.
Mobile-first expense management
With a mobile-first approach, Zoho Expense lets teams book trips, capture receipts, and manage expenses on the go, all from one intuitive app.
Reliable support, whenever you need it
Get 24/5 chat, call, and email support from a team that's ready to help. No long wait times, just quick and reliable assistance when you need it.
Happy ratings = Happy customers
Compare. Decide. Expense smarter.
See how Zoho Expense compares to SAP Concur with a detailed feature breakdown. Find the best fit for your business needs.
Travel programs succeed when they balance employee convenience with company control. SAP Concur covers self-booking and itineraries but lacks agent collaboration or guest house management. Zoho Expense offers the complete setup with self-booking across flights, hotels, trains, and cabs; free agent collaboration; a built-in travel desk for offline requests; guest house management, and seamless integration with expense reports for full financial visibility.
| Features |  |  |
| Employee self booking | ||
| Collaborative chat | ||
| Itinerary management - Flights, hotels, trains and cabs | ||
| Corporate travel desk ticketing tool | ||
| Guest house management |
With Zoho Expense, advanced capabilities are included in the plan you choose. Features like Autoscan in 15+ languages, per diem automation, and automated mileage tracking are built-in with no hidden or extra charges. In SAP Concur, many of these essentials are locked behind additional fees, making scalability costly for finance teams.
| Features | | |
| Autoscan receipts | 15+ languages | 13 languages |
| Mail add-ons | Gmail, Zoho Mail, Outlook | |
| Auto itemization | $ | |
| Per diem automation | ||
| Auto-import per diem & rules | $ | |
| Automated mileage tracking | $ |
Zoho Expense ensures card data flows into the system in real-time, automatically categorized, matched, and submitted. Finance gains accuracy and speed without hand-holding. Concur offers comparable features but often relies on support assistance, making adoption slower and less seamless.
| Features | | |
| Corporate card management | ||
| Commercial card feeds (Amex, Mastercard, Visa and HSBC) | Amex, Mastercard, and HDFC | |
| Direct feed integration | ||
| Credit card automation- Auto-categorisation, auto user assignment, auto matching expenses. | ||
| Automatic submission of card expenses | Support assistance required |
Zoho Expense equips finance teams with budget controls that prevent overruns before they happen. With granular budgeting and automatic blocks, spend stays aligned with policy across teams and projects. Concur can notify when limits are crossed, but it cannot stop the overspend, leaving finance reactive instead of staying in control.
| Features | | |
| Imprest/Petty cash management | ||
| Multi-currency advance | ||
| Budget | Department/ Project/ Branch/ Cost-centre/ User | |
| Budget threshold alerts and approval blocks | Only alerts | |
| Budget sharing |
Approvals work best when they fit the way your business runs. With Zoho Expense, you can set up custom routes, dynamic limits, and rules yourself without waiting on support. Policy checks happen in the background, exceptions are flagged right away, and compliance feels seamless.
| Features | | |
| Adhoc/parallel approval routing | Support assistance required | |
| Custom approvals | Support assistance required | |
| Category limits | ||
| Dynamic limits | Support assistance required | |
| Rule alerts/exceptions |
Zoho Expense is designed for finance teams that want control without dependency. Whether it is automating reports, building custom workflows, or setting user roles, everything can be configured directly within the app without the support dependency or extra fees. Concur offers similar tools, but most configurations require external assistance, slowing finance teams and limiting flexibility.
| Features | | |
| Alerts(Email/In-app notifications) | ||
| Webhooks and custom functions | Support assistance required | |
| Expense report automation | ||
| Custom user roles | ||
| Customization (views, page layout, modules, buttons, links, and schedulers) | Support assistance required | |
| Related lists | Support assistance required |
Zoho Expense ensures finance teams are not switching between platforms. With advanced analytics, direct reimbursements, and seamless system integrations, it keeps expense management connected and efficient. Concur covers the analytics, but its reliance on extra steps for payments makes the overall process less fluid for employees and finance alike.
| Features | | |
| Analytics | Advanced | Advanced |
| Accounting integrations | ||
| In-house/ custom ERP and HRMS integration | ||
| HRMS integrations | ||
| Online direct reimbursement with ICICI, HSBC, and YES Bank | ||
| Online reimbursement via ACH | Via Expense Pay integration | |
| Ride hailing apps integration |
At Zoho, security is not a checklist; it is the foundation of every product. Zoho Expense combines encryption, advanced access controls, and one of the broadest sets of international certifications to keep financial data safe across industries and geographies.
| Features | | |
| SSL encryption | ||
| Multi-factor authentication | ||
| SSO | ||
| IP resctriction | ||
| GDPR | ||
| ISO/IEC 27001 | ||
| ISO/IEC 27701 | ||
| ISO/IEC 27017 | ||
| ISO/IEC 27018 | ||
| ISO 9001 | ||
| ISO/IEC 20000 | ||
| SOC 2 Type II | ||
| SOC 1 Type II | ||
| SOC 2 + HIPAA | ||
| CCPA | ||
| CSA STAR Self-Assessment | ||
| PCI | ||
| Physician Payments Sunshine Act Data Support |
Here's what Zoho Expense
brings to your business
User-friendly interface your team will love-
Customize workflows without needing support
-
24/5 support that's actually responsive
-
Manage expenses on the go, mobile-first
-
Packaged pricing: Transparent and value for money
-
Dedicated implementation support
90%
less time spent on T&E
50%
faster implementation
3x
faster expense approvals
95%
customer satisfaction
Don't just take our word for it
Puma has been using Zoho Expense in Oceania for over three years, and our users have found the web and the phone apps to be feature-rich and always improving. We've recently expanded the usage of Zoho Expense to multiple new regions around the globe, and throughout, the team has been extremely supportive of the unique requirements of each region and helped to make the onboarding smooth.
I believe the most convenient feature for our employees is the easy-to-use mobile version of the tool. You click a picture of the bill you just spent on, select the relevant expense head, and hit submit. Additionally, scanned copies of bills/receipts, expenses, approvals, and comments are now available in one report, which forms the basis for any reimbursement claim posted to our accounting software.
Doing my expenses now takes me seven minutes when they used to take me four hours a month.
Easy and intuitive expense management platform!
I have used many expense platforms and have yet to find one focused on the user experience. Zoho is extremely simple to navigate requiring almost zero training for our new hires! After years of using Concur it is refreshing to have a new system in place that our employees and accounting team love.
So far the product is great
Sap Concur has awful customer service, Zoho gets back to me in less than 30 minutes on average
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