Expensify vs SAP Concur
expense management head-to-head for ERP teams: evidenced capabilities, published pricing, and which ERPs each actually integrates with.
| Starting price | From $10/user/mo (published) | Quote-based |
| Deployment | Cloud | Cloud |
| Company size | SMB, Mid-market, Enterprise | Mid-market, Enterprise |
| Stated ERP integrations | NetSuite, Sage Intacct, QuickBooks, Xero | SAP, NetSuite, Oracle Fusion Cloud, Microsoft Dynamics 365, QuickBooks |
| Vendor | Expensify | SAP |
Our take
Where Expensify leads
- Stronger evidenced coverage on 8 of the 26 capabilities where they differ (led by multi-currency expense capture and physical and virtual card issuance).
- Published pricing where the alternative quotes.
- Stated Sage Intacct, Xero integration the alternative doesn't list.
Where SAP Concur leads
- Stronger evidenced coverage on 18 of the 26 capabilities where they differ (led by fraud and anomaly detection and multi-level approval workflows).
- Stated SAP, Oracle Fusion Cloud, Microsoft Dynamics 365 integration the alternative doesn't list.
Where they differ
The 26 capabilities (of 47 in the expense management taxonomy) where the evidence separates them, biggest gaps first. “Not evidenced” means our research found no public documentation of this capability — the vendor may still offer it. Confirm on a demo.
| Capability | ||
|---|---|---|
| Multi-currency expense captureExpense & Receipt Capture | Core strength Support for 150+ currencies | Not evidenced |
| Physical and virtual card issuanceCorporate Card Management | Core strength Expensify Card issuance | Not evidenced |
| Fraud and anomaly detectionPolicy, Compliance & Fraud Controls | Not evidenced | Core strength Fraud and duplicate detection via spend pattern analysis |
| Multi-level approval workflowsApproval Workflows | Not evidenced | Core strength Multi-level approval workflows |
| Accelerated reimbursementReimbursement & Payouts | Core strength Next-day reimbursement | Not evidenced |
| Contractor / non-employee reimbursementReimbursement & Payouts | Core strength Contractor reimbursement | Not evidenced |
| Integrated travel bookingTravel Management | Not evidenced | Core strength Integrated travel booking (Concur Travel) |
| Configurable analytics and reportingBudgeting, Spend Visibility & Reporting | Not evidenced | Core strength Configurable analytics (Concur Intelligence) |
| Third-party app marketplacePlatform, Administration & Integrations | Not evidenced | Core strength App Center marketplace with 900+ partners |
| AI-driven policy reviewPolicy, Compliance & Fraud Controls | Supported Concierge AI assistant | Not evidenced |
| Audit trail and receipt verificationPolicy, Compliance & Fraud Controls | Not evidenced | Supported Audit rules and receipt verification |
| Delegate and proxy approvalsApproval Workflows | Not evidenced | Supported Delegate and proxy approvals |
| Supplier invoice capture and OCRAccounts Payable / Invoice Management | Not evidenced | Supported Invoice capture and digitization |
| Purchase order / request matchingAccounts Payable / Invoice Management | Not evidenced | Supported Purchase request and PO matching |
| Invoice approval routingAccounts Payable / Invoice Management | Not evidenced | Supported Invoice approval routing |
| Vendor payment executionAccounts Payable / Invoice Management | Not evidenced | Supported Vendor and payment management |
| Itinerary and trip-change managementTravel Management | Not evidenced | Supported Itinerary and trip management |
| Duty-of-care traveler trackingTravel Management | Not evidenced | Supported Duty-of-care and traveler tracking |
| Travel-to-expense linkageTravel Management | Not evidenced | Supported Automatic linkage of travel spend to expense reports |
| SSO and enterprise identity integrationPlatform, Administration & Integrations | Not evidenced | Supported Single sign-on and identity integration |
| HRIS / payroll integrationPlatform, Administration & Integrations | Supported Travel and HR/payroll integrations | Not evidenced |
| Duplicate expense detectionExpense & Receipt Capture | Core strength Duplicate detection | Supported Fraud and duplicate detection via spend pattern analysis |
| Card feed import and reconciliationCorporate Card Management | Core strength Card feed import from 10,000+ banks globally | Supported Corporate card feed import and matching |
| Configurable expense policy rulesPolicy, Compliance & Fraud Controls | Supported Policy rules and violation flagging | Core strength Configurable expense policy rules |
| Out-of-policy flaggingPolicy, Compliance & Fraud Controls | Supported Policy rules and violation flagging | Core strength Out-of-policy flagging on submission |
| Prebuilt ERP / accounting connectorsPlatform, Administration & Integrations | Supported Direct integrations with QuickBooks, Xero, NetSuite and Sage Intacct. | Core strength Prebuilt ERP, HR and card connectors |
Both grade identically on the other 21 capabilities — see each product's full profile: Expensify, SAP Concur.
Expensify vs SAP Concur — FAQs
Is Expensify or SAP Concur better for ERP integration?
Both state integrations with NetSuite, QuickBooks. Expensify additionally lists Sage Intacct, Xero. SAP Concur additionally lists SAP, Oracle Fusion Cloud, Microsoft Dynamics 365. Always verify the connector against your ERP version with a reference customer.
Which is cheaper, Expensify or SAP Concur?
Expensify publishes a starting rate ($10/user/mo); SAP Concur prices by quote, so a like-for-like number requires asking both.
Get pricing for both
Tell us your ERP, seat count and must-haves and we'll come back with an independent view of what Expensify and SAP Concur should each cost you — and whether a third option belongs on your shortlist.