Expensya vs SAP Concur

by Gralio Mar 03, 2025

Expensya and SAP Concur both offer expense management solutions, but target different market segments. Expensya focuses on providing an affordable and user-friendly experience for SMBs, while SAP Concur caters to larger enterprises with more complex needs, particularly around travel management. Key differences lie in pricing, mobile app capabilities, and the breadth of integrations.

At Gralio.ai we help to simplify your decision-making process by offering detailed, side-by-side software comparisons like this one, to help you confidently choose the tool that aligns with your business goals.

This comparison was created by analysing 5027 reviews and 60 websites, saving 1 day, 4 hours, 25 minutes of reading.

Expensya

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SAP Concur

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About

Expensya is a cloud-based expense management software that automates expense reporting for businesses of all sizes. It offers a mobile app for on-the-go expense tracking, payment cards with pre-defined budgets, and integrates with your existing financial software. Expensya simplifies expense management with smart features like receipt scanning, automatic currency conversion, and policy compliance checks, saving you time and giving you better control over business spending.

SAP Concur helps businesses of all sizes manage their travel expenses, invoices, and overall spending. It streamlines expense reports, automates invoice approvals, and provides real-time visibility into company spending. This helps control costs, reduce risks, and improve employee productivity. SAP Concur integrates with other software and offers a mobile app for employee convenience.

Summary

Main difference

Expensya is better for you if you are a small to medium-sized business (SMB) looking for an affordable and easy-to-use expense management solution with robust mobile features. SAP Concur is better for you if you are a larger enterprise or a business with complex travel needs requiring extensive integrations and advanced travel booking features.

Relative strengths of Expensya (compared to SAP Concur)

Stronger mobile app for expense tracking and receipt capture.
More affordable pricing plans, especially for SMBs.
Simpler user interface and easier implementation.

Relative weaknesses of Expensya (compared to SAP Concur)

Less extensive integrations compared to SAP Concur, particularly with travel booking platforms.
Lacks advanced features like travel booking and itinerary management.
Customer support may not be as comprehensive as SAP Concur's.

What companies are using Expensya and SAP Concur?

RIMOWA

H&M HOME

Sephora

No data

Who should use Expensya VS. SAP Concur

Expensya is a cloud-based expense management solution perfect for businesses of all sizes. It offers receipt scanning, automated expense reports, and policy compliance checks. Users love the mobile app and real-time reporting but dislike occasional OCR issues and initial setup complexity. A great choice for companies seeking streamlined expense control.

SAP Concur is a comprehensive spend management solution ideal for businesses of all sizes. Users praise the mobile app's receipt capture and credit card integration for simplified expense tracking. However, some find the audit feedback vague and the travel booking features cumbersome. Despite these drawbacks, many appreciate its customizability and wide industry adoption.

Best for small to large businesses.
Ideal for Finance, IT, and Professional Services.

Ideal for businesses of all sizes, from small startups to large enterprises, seeking better spend management.
A great fit for various sectors, including finance, healthcare, manufacturing, and more.

Expensya and SAP Concur features

Supported

Partially supported

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Type in the name of the feature or in your own words tell us what you need

Third-party tool integration

Supported

Expensya integrates with other tools via API, Zapier, and Microsoft connectors.

Supported

SAP Concur integrates with external tools through APIs and pre-built connectors.
Payment Cards & Budgets

Supported

Expensya provides payment cards and budgets to control employee spending.

Partially supported

SAP Concur integrates with existing corporate cards and offers budget management features.
Expense Policy Automation

Supported

Expensya automates expense policy compliance by flagging expenses that violate company rules.

Supported

SAP Concur automates expense policy compliance.
Mobile app support

Supported

Expensya offers dedicated mobile apps for iOS and Android.

Supported

SAP Concur offers a mobile app to manage expenses, travel, and invoices.
Receipt management

Supported

Expensya allows uploading, storing, and matching receipts to expenses.

Supported

SAP Concur supports uploading, storing and matching receipts to expenses.
Apple Pay support

Supported

Expensya supports Apple Pay for both virtual and physical cards.

Partially supported

SAP Concur supports Apple Pay through integrations with virtual corporate card providers like US Bank and Cardlay.

Qualities

Value and Pricing Transparency

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Customer Service

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Ease of Use

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Reliability and Performance

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Ease of Implementation

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Scalability

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Expensya and SAP Concur Pricing

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See full Pricing page

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See full Pricing page

Expensya and SAP Concur review insights

Users love

Mobile app allows for quick and easy expense entry.
Automated receipt scanning and data extraction saves time.
Real-time expense tracking and reporting provides clear visibility.
Streamlined expense report submission and approval workflow.
Multiple currency support simplifies international expense management.

Receipt capture feature on the mobile app is highly praised for convenience and ease of use.
Integration with corporate credit cards is appreciated for automatic expense population and simplified reconciliation.
Widely used across various industries, leading to familiarity and ease of transition for users.
Comprehensive and customizable to fit specific organizational policies and needs.

Users dislike

Difficult to understand expense vs. report categorization.
Mileage tracking does not always accurately reflect actual routes.
Occasional issues with the OCR recognition requiring manual correction.
Initial setup can be slightly confusing for new users.
Limited integrations with third-party travel booking platforms.

The "Concur Audit" feature provides excessively vague feedback and lacks a way to get clarification from a human auditor.
Mobile app frequently experiences issues with two-factor authentication, getting stuck in a loop.
Travel booking features are slow, often lack desired flight options, and don\'t always attach to expense reports as expected.
UI is outdated, clunky, and not intuitive, requiring a steep learning curve for many users.

Expensya and SAP Concur Ratings

G2

4.6/5

(112)
Capterra

4.3/5

(375)
TrustPilot

3.3/5

(1)
Glassdoor

3.6/5

(55)

G2

4.0/5

(2528)
Capterra

4.3/5

(1980)
TrustPilot

1.4/5

(49)

Company health

Employee growth

17% decrease in the last year

3% decrease in the last year

Web traffic

10% decrease in the last quarter

22% decrease in the last quarter

Financing

January 2021 - $26M

December 2009 - $292M

How do Expensya's pre-defined budget cards compare to Concur's travel booking features?

Expensya's pre-defined budget cards are a cost-control feature directly linked to employee spending, enabling businesses to set spending limits and track expenses against those limits. Concur's travel booking features, while helpful for organizing travel, do not directly offer the same pre-defined budget functionality. Concur focuses on booking and managing travel arrangements, not pre-setting and enforcing spending limits on those arrangements through dedicated cards.

Which product better integrates with existing accounting software for expense reporting?

Expensya more explicitly states integration capabilities with existing financial software through API, Zapier, and Microsoft connectors. While SAP Concur mentions integration with "other software," it doesn't specify accounting software integrations as clearly as Expensya. Therefore, based on the provided information, Expensya seems to offer better integration with existing accounting software for expense reporting.

What are the advantages of Expensya?

Expensya offers payment cards with pre-defined budgets, a feature not mentioned for SAP Concur. Expensya also emphasizes smart features like automatic policy compliance checks, potentially offering more proactive control over spending. While both offer receipt scanning, Expensya highlights automatic currency conversion, which is beneficial for businesses with international expenses.

What are the disadvantages of Expensya?

Expensya users have reported difficulties understanding the expense versus report categorization, inaccurate mileage tracking, occasional OCR recognition issues requiring manual correction, a slightly confusing initial setup, and limited integrations with third-party travel booking platforms.

Alternatives to Expensya and SAP Concur

Airbase

Airbase is a spend management platform designed for mid-sized businesses. It combines expense management, accounts payable automation, and corporate cards in one platform. Airbase helps businesses track spending, automate approvals, and simplify accounting processes, from purchase requests to reconciliation. Airbase integrates with popular accounting software and aims to improve financial control and compliance.

N2F

N2F is expense management software designed to streamline how your company handles employee expenses. This software digitizes expense reports, simplifying the process for employees and accounting. It promises to significantly reduce the time spent managing expenses and ensure legal compliance and adherence to company expense policies. N2F offers additional features like corporate card integration, invoice processing, and travel expense management. Overall, N2F aims to automate and simplify the expense process for businesses of all sizes.

Tipalti

Tipalti is a cloud-based financial operations automation platform designed for mid-sized to enterprise-level businesses. It streamlines and automates the entire accounts payable and payment process, including global payments, supplier onboarding, invoice management, and expense reimbursements. This software helps businesses reduce manual workload, improve efficiency, and minimize errors in their financial operations. Tipalti prioritizes global tax compliance and integrates with popular ERP systems like NetSuite and QuickBooks.

ExpensePoint

ExpensePoint is a cloud-based expense management software designed for businesses of all sizes. It simplifies expense reporting by automating tasks like receipt capture, mileage tracking, and credit card reconciliation. With customizable approval workflows and policy enforcement features, ExpensePoint ensures compliance and control over spending. It also offers robust data analysis and integrates seamlessly with popular accounting systems like QuickBooks and NetSuite. Employees can manage expenses on the go using the mobile app, while approvers have real-time visibility and can quickly approve reports from any device.

Sage Intacct

Sage Intacct is a cloud-based accounting and financial management platform designed for growing and mid-sized businesses, especially those with 20+ employees. It offers a suite of applications covering core accounting, budgeting, planning, and reporting, alongside integrated HR and payroll functionalities. Sage Intacct stands out for its robust automation capabilities, including AI-powered features that streamline processes like month-end close. Its reporting and dashboard features provide real-time insights to inform strategic decision-making. Sage Intacct is highly customizable, integrates with various third-party applications, and caters to the specific needs of different industries.

SutiExpense

SutiExpense is a cloud-based expense management software designed for businesses of all sizes. It simplifies the entire expense process, from submitting and approving expenses to generating reports and reimbursing employees. The software offers features like automated receipt capture, credit card integration, and spend analysis to streamline expense management and improve control over company spending. SutiExpense also integrates with other accounting and ERP systems for a seamless data flow. Its user-friendly interface and customizable features make it suitable for businesses looking to automate and simplify their expense reporting.

Page co-authored by

Michal Kaczor

CEO at Gralio

Michal has worked at startups for many years and writes about topics relating to software selection and IT management. As a former consultant for Bain, a business advisory company, he also knows how to understand needs of any business and find solutions to its problems.

Tymon Terlikiewicz

CTO at Gralio

Tymon is a seasoned CTO who loves finding the perfect tools for any task. He recently headed up the tech department at Batmaid, a well-known Swiss company, where he managed about 60 software purchases, including CX, HR, Payroll, Marketing automation and various developer tools.

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