Expensify vs 
SAP Concur (2026 Comparison)
Expensify is the transparent, self-serve choice for SMBs; SAP Concur is built for global enterprise compliance.
Expensify wins for small and mid-size businesses with flat, transparent $5-$9 per-member pricing, fast self-serve setup, and card-agnostic receipt tracking. SAP Concur is the deeper platform for large, global enterprises with complex travel, invoice, and audit-compliance needs, but it is quote-only, costly to implement, and rated lower by users. Pick Expensify unless you are an enterprise that genuinely needs Concur's compliance and ERP depth.
- Best pick
- Expensify
- Integration
- Migration / accounting re-sync
- Setup
- 2-4 weeks
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Team Fit — who should build on what
Before pricing or features, get the fit right. Here's how Expensify and SAP Concur map to real team profiles.
| Dimension | Expensify | SAP Concur |
|---|---|---|
| Company size sweet spot | SMB to lower mid-market | Large / global enterpriseEven |
| Pricing transparency | Flat $5-$9 per member, publicEdge | Quote-only, per-report + base fee |
| Setup effort | Self-serve, minutes to daysEdge | Implementation-led, weeks+ |
| Compliance & audit depth | Adequate for SMB | Deep global audit, DLP, VATEdge |
| Travel & invoice breadth | Lightweight travel add-on | Full travel + invoice modulesEdge |
| User ratings | 4.5Edge | 4.0 |
Who is Expensify best for?
Expense Management & Corporate Cards
Small businesses and individuals who want simple, self-serve receipt tracking and reimbursements.
- Small businesses tracking receipts
- Teams needing reimbursements
- Self-serve expense reports
Who is SAP Concur best for?
Expense Management & Corporate Cards
Large and global enterprises with complex travel, expense, and invoice compliance.
- Large enterprises
- Global travel programs
- Complex compliance needs
Pricing & Features — what you actually pay for
Side-by-side plans with the fine print most comparison pages skip, plus a filterable feature matrix.
Expensify
Receipt scanning and expense reports with an optional corporate card.
Collect
$5/per member / mo
- Flat per-member rate
- Receipt scanning & approvals
- Corporate card reconciliation
Control
$9/per member / mo
- Multi-level approvals
- Custom policies & compliance
- NetSuite / Sage integrations
Hidden costs to watch
- Control is $36/member without an annual plan plus Expensify Card use
- Per-active-member billing can spike in busy months
- Some integrations carry add-on fees
SAP Concur
Enterprise-grade travel, expense, and invoice management at scale.
Standard
Custom
- Expense capture & approvals
- Mobile receipts
- Standard integrations
Professional
Custom
- Advanced workflows
- Travel + invoice modules
- Analytics & audit
Hidden costs to watch
- Quote-only pricing, often per-report plus a base fee
- Implementation and setup fees are significant
- Travel and Invoice modules are priced separately
Feature specs
2 of 9 features differ between these tools.
| Feature | Expensify | SAP Concur |
|---|---|---|
| Receipt OCR (SmartScan) | NativeNative | NativeNative |
| Corporate card issuanceExpensify Card is optional; Concur reconciles feeds but issues no cards. | NativeNative | Not SupportedNot Supported |
| Reconcile third-party card feeds | NativeNative | NativeNative |
| Integrated travel bookingExpensify Travel and Concur Travel are both add-on layers to the expense core. | Paid Add-onPaid Add-on | Paid Add-onPaid Add-on |
| Invoice / AP automationConcur Invoice is a separately priced module. | NativeNative | Paid Add-onPaid Add-on |
| ERP integrationsConcur has broader enterprise ERP coverage (SAP/Oracle); Expensify covers NetSuite/Sage on Control. | NativeNative | NativeNative |
| Multi-currency & VAT reclaimConcur's global tax/VAT handling is deeper. | NativeNative | NativeNative |
| Multi-level approval workflows | NativeNative | NativeNative |
| Mobile app | NativeNative | NativeNative |
Automation Blueprints — make them work together
The real payoff is the stack. These are concrete Expensify ↔ SAP Concur workflows worth building.
Auto-generate reports from scanned receipts
Receipt SmartScanned
Receipt has a billable client tag
Create billable expense
Gives SMBs Concur-style automation without the implementation project.
Notify approvers of submitted reports
Report submitted
Report exceeds approver's limit
DM the next approver
Keeps reimbursement cycles fast without enterprise workflow tooling.
Archive Concur history during migration
Expense report exported
Report from trailing 12 months
Append to migration archive
Preserves an auditable record so you can cancel Concur cleanly after moving to Expensify.
Frequently asked questions
Common questions about choosing between and combining Expensify and SAP Concur.
Is Expensify cheaper than SAP Concur?
Can Expensify handle enterprise compliance like Concur?
Do either issue corporate cards?
Which is faster to deploy?
When should I still choose Concur?
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