Sap Concur vs Expensify: Which Is The Top Pick in 2025?

Many businesses turn to SAP Concur and Expensify for managing their expenses and streamlining financial processes. However, choosing the right solution can be a complex task.

In this article, we’ll review what each solution offers and how they compare in terms of features, usability, and cost. Additionally, we'll also explore Rho as a third option worth considering.

Sap Concur Overview

SAP Concur offers solutions in expense management, travel booking, and invoice processing. Their main value proposition is automating spending processes to help businesses operate efficiently under any circumstances. They cater to a wide range of industries and roles, including finance leaders, HR leaders, and travel managers, aiming to simplify and connect various business processes.

Sap Concur Features

Some of the key features of SAP Concur include:

• Concur Expense: Allows users to submit expenses from anywhere, streamlining the expense reporting process.
• Concur Invoice: Automates and integrates accounts payable processes, reducing manual intervention.
• Concur Travel: Captures travel bookings regardless of where they are made, ensuring comprehensive travel management.
• AI-Powered Auditing: Uses artificial intelligence to audit transactions, ensuring accuracy and identifying discrepancies.

Sap Concur Pricing

SAP Concur offers custom pricing based on the specific needs of each business.

The prices for each tier are not publicly listed.

Drawbacks To Sap Concur

General user reviews of SAP Concur are mixed, with users appreciating its efficiency but often criticizing its complexity and slow performance. For more details, visit SAP Concur Reviews on G2.

• "The software is powerful but can be very complex and not intuitive, which makes the learning curve steep." - Michael S.
• "While it integrates well with other systems, the user interface feels outdated and can be frustrating to navigate." - Jason B.

Expensify Overview

Expensify is a spend management software designed to help users manage receipts and expenses. It caters to individuals, small teams, and larger organizations, simplifying the process of tracking, reporting, and reimbursing expenses. The platform aims to streamline financial tasks for employees, employers, and accounting departments.

Expensify Features

Some of the key features of Expensify include:

• Expense Tracking: Allows users to track their expenses in real-time, categorize them, and manage them efficiently.
• Receipt Scanning (SmartScan): Users can take pictures of their receipts, and the SmartScan feature will automatically extract the relevant information and categorize the expense.
• Corporate Card Management: Helps businesses manage their corporate card expenses by syncing transactions and providing detailed reports.
• Travel Booking: Users can book travel directly through the app, which integrates with their expense reports.

Expensify Pricing

Expensify offers a variety of subscription tiers to cater to different business needs.

• Track: $4.99 per user/month - For individuals tracking personal expenses.
• Submit: $4.99 per user/month - For employees submitting expenses to managers.
• Collect: $10 per user/month - For businesses managing receipts and expenses.
• Control: $18 per user/month - For companies needing advanced policy and approval workflows.

Drawbacks To Expensify

Overall, Expensify is well-regarded for its ease of use and efficiency in managing expenses.

• "Expensify allows our organization to easily log expenses to both common costs and to specific projects." - Stephanie D.
• "The initial setup was a bit frustrating, but once it was set up, I'm glad I kept with it. This app makes my life so much easier." - Edwin C.

For more details, visit Expensify Reviews on G2.

What to Know Before Picking Sap Concur or Expensify

Looking at the reviews as a whole, businesses often find SAP Concur to be complex and not intuitive, with slow performance and an outdated interface. These issues can make daily operations cumbersome and time-consuming.

On the other hand, Expensify users frequently mention challenges with manual entry, a confusing setup interface, and integration issues. These limitations can hinder efficiency and create frustration, especially during the initial implementation phase.

Why Rho Is a Better Alternative

At Rho, we understand the common pain points businesses face with SAP Concur and Expensify, such as complexity and integration issues. Our platform is designed to be intuitive and seamless, ensuring a smoother experience for managing expenses and financial processes. Discover how we simplify your financial operations.

Rho Features

• Real-Time Spend Monitoring: Our corporate credit cards offer real-time spend monitoring and custom controls, addressing the need for immediate visibility and control over expenses, which can be cumbersome with SAP Concur.
• Zero Platform Fees for AP Automation: We eliminate platform fees for accounts payable automation, making it more cost-effective compared to SAP Concur's high subscription fees.
• One-Touch Expense Reporting: Our platform allows for one-touch expense reporting, significantly reducing the time and effort required to log expenses, a common pain point with Expensify's manual entry process.
• Seamless Integrations: We offer direct integrations with accounting, HR, and T&E software, ensuring a smooth and efficient workflow, unlike the integration issues often faced with SAP Concur and Expensify.
• 24/7 Customer Support: Our dedicated support team is available around the clock, providing timely and solution-driven assistance, which contrasts with the limited support often experienced with other platforms.
• Up to 2% Cashback: Our Rho Platinum cards offer up to 2% cashback¹ on banking and card usage, providing financial incentives that are not typically available with SAP Concur or Expensify.
• Quick Implementation: Our platform can be implemented in less than 2 hours, making it easy to get started and reducing the complexity and time associated with setting up other systems.

Rho Pricing

We offer a straightforward and transparent pricing structure that sets us apart from the complexity often found with SAP Concur and Expensify. Our goal is to make financial management simple and cost-effective for your business.

Here are the key pricing details:

• $0 Same-Day ACH fees: No cost for same-day ACH transactions.
• $0 Wire fees: No cost for wire transfers, with some exceptions for international wires.
• $0 Monthly plans: No monthly subscription fees for accessing our services.
• $0 Support fees: Free live support from day one.
• $0 Subscription fees: No subscription fees for using our platform.
• $0 Checking account minimum fees: No minimum balance fees for checking accounts.
• $0 Connected, in-platform capabilities: Free access to AP, Expense, and Accounting Automation features.
• $0 Per-user fees: No fees per user for accessing the platform.
• 1% Foreign currency transfer: A 1% fee on foreign currency transfers.

You can find all the details about our pricing here.

Why Users Love Rho

We’re proud of what we do, but we think our customers say it best. Take a look at why they prefer Rho over other options.

• "Rho is easy to use and has great customer support." - Pete S.
• "From day one, using Rho has been simple and straightforward." - Sean F.
• "They are the easiest bank I've ever worked with." - Tyler M.

Want a firsthand look at Rho? You can request a free demo here.

Which Platform Is Right for Your Business?

Each platform—SAP Concur, Expensify, and Rho—has its strengths. SAP Concur excels in comprehensive travel and expense management, while Expensify is known for its user-friendly interface and efficient expense tracking. However, both platforms have their drawbacks, such as complexity and integration issues.

This is where Rho comes in. We offer real-time spend monitoring, zero platform fees for AP automation, and seamless integrations, making financial management simpler and more cost-effective. Our quick implementation and 24/7 customer support ensure a smooth transition and ongoing assistance.

Make the Smarter Choice with Rho Today

Curious to see what Rho can do for you? Discover how we can simplify your financial operations. Get started with Rho today.