Rho vs SAP Concur

by Gralio Feb 28, 2025

Rho and SAP Concur offer distinct financial management solutions. Rho provides an integrated platform combining banking, expenses, and accounting, ideal for growing US businesses. SAP Concur specializes in travel and expense management with a broader reach and established presence, making it suitable for larger enterprises with extensive travel activity.

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 4650 reviews and 20 websites, saving 1 day, 2 hours of reading.

Rho

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SAP Concur

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About

Rho is a financial platform designed for growing businesses in the US. It brings together various financial tools into one place, including business banking, expense management, bill payments, and accounting automation. Their goal is to help companies manage their money more efficiently and gain better control over their finances. Rho aims to simplify financial operations, reduce manual work, and provide a clear view of your company's financial position. This makes it particularly attractive for businesses wanting to streamline their financial processes as they expand.

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

Rho is a comprehensive financial platform best suited for US-based growing businesses needing integrated banking, expense management, and accounting automation. SAP Concur focuses on travel and expense management, invoice processing, and spend visibility, making it a better fit for larger enterprises or those with significant travel needs.

Relative strengths of Rho (compared to SAP Concur)

Integrated financial tools: Rho offers a single platform for banking, expense management, and accounting, streamlining financial operations.
Focus on growth-stage businesses: Rho caters specifically to the needs of scaling companies in the US.
Simplified financial processes: Rho aims to reduce manual work and provide a clear financial overview.

Relative weaknesses of Rho (compared to SAP Concur)

Limited travel features: Compared to SAP Concur, Rho's travel management capabilities are less developed.
US-focus only: Rho is currently limited to businesses operating within the United States.
Less established brand recognition: SAP Concur has wider brand recognition and a longer track record.

Who should use Rho VS. SAP Concur

Rho is a US-based financial platform ideal for growing businesses wanting to streamline their finances. It offers banking, expense management, and accounting automation in one place. Users praise its easy expense tracking and responsive customer support, but some have noted difficulties viewing receipts and occasional bugs. Rho helps businesses gain better control over their finances, simplifying operations and reducing manual work.

SAP Concur is a comprehensive spend management solution ideal for businesses of all sizes. Users praise the mobile receipt capture and credit card integration. However, some find the audit feedback vague and the travel booking clunky. It streamlines expense reports, automates invoices, and offers real-time spending visibility.

Best for small to medium-sized businesses (1-1000 employees), particularly in finance and tech.
Ideal for finance and tech companies looking to centralize and streamline financial operations.

Best for small, medium, and large businesses.
Ideal for Finance, Manufacturing, and IT.

Rho and SAP Concur features

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Mobile app support

Supported

Rho offers a dedicated mobile app for managing expenses on the go.

Supported

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

Supported

Rho supports uploading receipts via their mobile app.

Supported

The SAP Concur platform and mobile app allows users to upload receipts directly, via email, or using the ExpenseIt feature.

Qualities

Value and Pricing Transparency

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Ease of Use

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Reliability and Performance

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Rho and SAP Concur Pricing

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Rho and SAP Concur review insights

Users love

Easy expense tracking and receipt uploads via text.
User-friendly interface and easy navigation.
Excellent and responsive customer support.
Real-time budget tracking and spending visibility.
Convenient virtual and physical card options.

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 view attached receipt images after upload.
Excessive and frequent email/text notifications.
Occasional bugs and app crashes.
Credit card limit refresh takes 48 hours.
Some expense notifications can be delayed.

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.

Rho and SAP Concur Ratings

G2

4.8/5

(111)
Glassdoor

4.1/5

(17)

G2

4.0/5

(2528)
Capterra

4.3/5

(1980)
TrustPilot

1.4/5

(49)

Company health

Employee growth

4% decrease in the last year

3% decrease in the last year

Web traffic

21% increase in the last quarter

22% decrease in the last quarter

Financing

September 2021 - $195M

December 2009 - $292M

How do Rho's real-time budget tools compare to SAP Concur's reporting?

Rho emphasizes real-time budget tracking and spending visibility as a key feature, allowing users to monitor their budgets actively. While SAP Concur offers reporting, it's not explicitly highlighted as "real-time" in the provided information. Concur's focus appears to be on broader spend management, including travel and expense reporting, invoice approvals, and overall spending visibility, rather than specifically on real-time budget monitoring.

Which platform better integrates with existing accounting software?

Both Rho and SAP Concur integrate with accounting software. However, the provided information doesn't offer enough detail to definitively say which one integrates *better*. More details on the specific accounting software supported and the depth of those integrations (e.g., real-time syncing, data mapping capabilities) are needed for a more accurate comparison.

What are the advantages of Rho?

Rho offers a more integrated financial platform compared to SAP Concur, combining business banking, expense management, and bill pay, which is particularly advantageous for growing businesses wanting a centralized financial hub. Rho's user feedback highlights a more user-friendly interface and experience with expense tracking and receipt uploads, while SAP Concur users express frustration with their outdated UI and complex features like travel booking. While both cater to similar business sizes, Rho focuses specifically on streamlining financial operations for US-based companies, making it a potentially more tailored solution.

What are the disadvantages of Rho?

Rho users report difficulties viewing attached receipt images after uploading, excessive notifications, occasional bugs and app crashes, slow credit card limit refreshes, and delayed expense notifications.

Alternatives to Rho and SAP Concur

Brex

Brex is a financial platform designed to help businesses manage their spending. It offers a suite of tools, including corporate cards with built-in controls, expense management software with AI-powered automation, and business banking with high-yield accounts. Brex aims to simplify financial operations for companies of all sizes, from startups to enterprises, with a focus on proactive spend control, automated workflows, and increased financial efficiency. It promises time savings through automation and improved compliance with company spending policies. However, it's important to note that Brex itself is a financial technology company, not a bank, and some banking services are provided through partner banks.

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.

Mercury

Mercury is a financial technology company offering banking and financial management tools specifically designed for startups. It provides FDIC-insured checking and savings accounts, credit cards, expense management, and integrations with accounting software. Mercury aims to simplify financial operations, offering a single platform for managing banking, expenses, invoicing, and bill payments. While not a bank itself, Mercury partners with established banks to provide these services.

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.

Coupa

Coupa is a cloud-based software platform that helps businesses of all sizes manage their spending. It brings together all your spending information, from sourcing and purchasing to invoices and expenses, in one place. This gives you greater control and visibility, helping you save money, improve efficiency, and make smarter decisions. Coupa integrates with other systems like your ERP, and offers tools for managing vendors, automating tasks, and analyzing spending patterns.

Volopay

Volopay is a financial platform designed for growing businesses. It offers corporate cards (both physical and virtual), expense management tools, and accounting integrations. This allows businesses to manage their spending, track expenses, automate payments, and streamline accounting processes, all within a single platform. Volopay aims to give businesses better control and visibility over their finances, saving them time and money.

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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