Overview
ProductRatingMost Used ByProduct SummaryStarting Price
SAP Concur
Score 8.3 out of 10
N/A
SAP Concur is a SaaS expense report management product, and handles corporate travel booking, expense report automation, reimbursement, audit, and business intelligence, and corporate card integration.
$9
per month
Xero
Score 8.2 out of 10
N/A
Xero is an online accounting software product for small businesses and personal finance. Its features beyond general ledger and double-bookkeeping include quotable invoicing, bank reconciliation, purchase order and expense management, and tax management. Third party apps can extend its features further.
$13
per month
Pricing
SAP ConcurXero
Editions & Modules
Concur Travel and Expense
$9.00
per report (average price)
Early
$13
per month
Growing
$37
per month
Established
$70
per month
Offerings
Pricing Offerings
SAP ConcurXero
Free Trial
YesYes
Free/Freemium Version
NoNo
Premium Consulting/Integration Services
NoNo
Entry-level Setup FeeNo setup feeNo setup fee
Additional DetailsPrices in table are in USD and just apply to the US - other markets & prices are listed below: Canada - Starter $18 CAD/month, Standard $45 CAD/month, Premium 5 $58 CAD/month UK - Starter £14/month, Standard £28/month, Premium £36/month AU - Starter $29 AUD/month, Standard $59 AUD/month, Premium 5 $76 AUD/month NZ - Starter $31 NZD/month, Standard $66 NZD/month, Premium $84 NZD/month
More Pricing Information
Community Pulse
SAP ConcurXero
Considered Both Products
SAP Concur
Chose SAP Concur
I used Oracle Cloud ERP at a startup, but Concur is flexible since it has both cloud and [a] mobile application that makes it easy to report on the go from anywhere. On the other hand, we tried Xero before finally implementing Concur, but Xero was not the best expense …
Chose SAP Concur
Unlike SAP Concur, alternatives such as Accounting Seed don’t have mobile apps. Also, SAP Concur has a lot of online accounting tools, such as travel and expense management features that aren’t available on other competitive platforms.
Xero
Chose Xero
SAP Concur is very heavyweight, and is appropriate for a large enterprise Expensify scales to whatever size the business is. In my opinion, Xero is only appropriate for a very small company
Features
SAP ConcurXero
Expense Management
Comparison of Expense Management features of Product A and Product B
SAP Concur
8.3
354 Ratings
3% above category average
Xero
-
Ratings
Employee Expense Reporting8.4347 Ratings00 Ratings
Corporate Card Reconciliation8.2258 Ratings00 Ratings
Payment Management
Comparison of Payment Management features of Product A and Product B
SAP Concur
8.1
307 Ratings
2% above category average
Xero
-
Ratings
Customizable Approval Policies8.1262 Ratings00 Ratings
Financial Document Management8.5218 Ratings00 Ratings
Payment Status Tracking8.3266 Ratings00 Ratings
Payment Audit Trail8.3239 Ratings00 Ratings
Duplicate Bill Detection7.8208 Ratings00 Ratings
Advanced OCR7.9182 Ratings00 Ratings
Electronic Funds Transfer8.3172 Ratings00 Ratings
Payroll Management
Comparison of Payroll Management features of Product A and Product B
SAP Concur
-
Ratings
Xero
7.5
73 Ratings
0% below category average
Pay calculation00 Ratings8.065 Ratings
Benefit plan administration00 Ratings8.023 Ratings
Direct deposit files00 Ratings7.249 Ratings
Salary revision and increment management00 Ratings7.141 Ratings
Reimbursement management00 Ratings7.154 Ratings
Customization
Comparison of Customization features of Product A and Product B
SAP Concur
-
Ratings
Xero
8.2
151 Ratings
6% above category average
API for custom integration00 Ratings7.979 Ratings
Plug-ins00 Ratings8.4138 Ratings
Security
Comparison of Security features of Product A and Product B
SAP Concur
-
Ratings
Xero
7.2
189 Ratings
13% below category average
Single sign-on capability00 Ratings5.672 Ratings
Role-based user permissions00 Ratings8.9187 Ratings
Reporting & Analytics
Comparison of Reporting & Analytics features of Product A and Product B
SAP Concur
-
Ratings
Xero
8.4
214 Ratings
7% above category average
Dashboards00 Ratings8.5210 Ratings
Standard reports00 Ratings8.8212 Ratings
Custom reports00 Ratings8.0187 Ratings
General Ledger and Configurable Accounting
Comparison of General Ledger and Configurable Accounting features of Product A and Product B
SAP Concur
-
Ratings
Xero
8.5
224 Ratings
11% above category average
Accounts payable00 Ratings8.7204 Ratings
Accounts receivable00 Ratings8.9209 Ratings
Cash management00 Ratings8.2192 Ratings
Bank reconciliation00 Ratings8.8217 Ratings
Expense management00 Ratings8.2198 Ratings
Time tracking00 Ratings8.173 Ratings
Fixed asset management00 Ratings8.4137 Ratings
Multi-currency support00 Ratings7.9130 Ratings
Multi-division support00 Ratings8.4112 Ratings
Regulations compliance00 Ratings8.4112 Ratings
Electronic tax filing00 Ratings9.5117 Ratings
Self-service portal00 Ratings7.9131 Ratings
Global Financial Support00 Ratings6.867 Ratings
Primary and Secondary Ledgers00 Ratings8.865 Ratings
Intercompany Accounting00 Ratings9.640 Ratings
Localizations00 Ratings10.039 Ratings
Journals and Reconciliations00 Ratings10.090 Ratings
Enterprise Accounting00 Ratings9.533 Ratings
Configurable Accounting00 Ratings9.559 Ratings
Centralized Rules Framework00 Ratings5.833 Ratings
Standardized Processes00 Ratings7.759 Ratings
Inventory Management
Comparison of Inventory Management features of Product A and Product B
SAP Concur
-
Ratings
Xero
6.4
101 Ratings
16% below category average
Inventory tracking00 Ratings7.897 Ratings
Automatic reordering00 Ratings6.224 Ratings
Location management00 Ratings6.229 Ratings
Manufacturing module00 Ratings6.016 Ratings
Order Management
Comparison of Order Management features of Product A and Product B
SAP Concur
-
Ratings
Xero
7.2
89 Ratings
6% below category average
Pricing00 Ratings9.762 Ratings
Order entry00 Ratings9.756 Ratings
Credit card processing00 Ratings6.358 Ratings
Cost of goods sold00 Ratings6.366 Ratings
Order Orchestration00 Ratings6.121 Ratings
End-to-end order visibility00 Ratings6.124 Ratings
Order exception Resolution00 Ratings6.117 Ratings
Best Alternatives
SAP ConcurXero
Small Businesses
Dext
Dext
Score 9.7 out of 10
QuickBooks Self-Employed (discontinued)
QuickBooks Self-Employed (discontinued)
Score 9.1 out of 10
Medium-sized Companies
Rippling
Rippling
Score 8.9 out of 10
Zoho Books
Zoho Books
Score 9.0 out of 10
Enterprises
Emburse Chrome River
Emburse Chrome River
Score 8.8 out of 10
BlackLine
BlackLine
Score 8.6 out of 10
All AlternativesView all alternativesView all alternatives
User Ratings
SAP ConcurXero
Likelihood to Recommend
8.3
(833 ratings)
8.1
(239 ratings)
Likelihood to Renew
8.7
(34 ratings)
5.7
(35 ratings)
Usability
8.2
(78 ratings)
8.3
(165 ratings)
Availability
8.5
(12 ratings)
9.0
(10 ratings)
Performance
8.0
(9 ratings)
10.0
(8 ratings)
Support Rating
8.0
(40 ratings)
1.7
(37 ratings)
In-Person Training
4.3
(6 ratings)
9.1
(1 ratings)
Online Training
9.0
(5 ratings)
10.0
(5 ratings)
Implementation Rating
8.0
(13 ratings)
7.3
(10 ratings)
Configurability
8.5
(6 ratings)
9.0
(1 ratings)
Ease of integration
8.2
(53 ratings)
6.9
(124 ratings)
Product Scalability
8.0
(52 ratings)
10.0
(6 ratings)
Vendor post-sale
6.5
(8 ratings)
9.0
(2 ratings)
Vendor pre-sale
6.5
(7 ratings)
10.0
(2 ratings)
User Testimonials
SAP ConcurXero
Likelihood to Recommend
SAP Concur
SAP Concur works very well to book travel. It provides several options for airlines, hotels and cars. Automatically updates the calendar. Reminds to complete relevant subsequent activities. The app allows to capture the receipts and amounts very easily. While reconciliation this becomes very easy and fast. It allows to capture tips and one can manually update the amount.
Read full review
Xero
I am a massage and physical therapist. We are not a fancy business but business admin can take a lot of time and effort. Xero came recommended to me by colleagues in the sector. You raise invoices, you get paid. and you pay your bills. These are all daily scenarios for most businesses and Xero does this particularly well. Since my accountant can query my records directly, this greatly saves on bookkeeping time when it is time to do the company returns.
Read full review
Pros
SAP Concur
  • SAP Concur has mobile applications for iOS and Android devices.
  • It offers capabilities that automate complex and repetitive accounting processes.
  • In addition, SAP Concur offers invoice, travel, and expense modules in one place.
  • It eradicates errors when paying vendors by matching POs, invoices, and receivables.
Read full review
Xero
  • Repeating invoices (most of my business is monthly recurring invoices) - it does these very well.
  • Reporting - particularly being able to dig into the different lines of the P&L statement.
  • Tracking categories - I assign a category to every line of every invoice so it's easy to see how much has been sold of each type of service every month and year, and compare them to previous periods.
Read full review
Cons
SAP Concur
  • For a new user of SAP Concur, it becomes difficult to file the first reimbursement as that person is new to the application and probably, one needs to to go through the instructions to get used to it. So, user interface can be improved and could be tried to make more interactive. Other than that, it's all good to go.
Read full review
Xero
  • Having different email addresses for different parts of a customer's business (eg invoices and statements to different places)
  • Easily seeing the text of emails that have been sent through Xero
  • More easily archiving old pay items. Our HR software updates rates when awards are updated which means a lot of old pay rates are in the system and they have multiple clicks to archive each one. Clicking the ones to archive in bulk and then just click archive for all would be much more efficient.
Read full review
Likelihood to Renew
SAP Concur
Now that we are fully on Concur, switching is not an option. Concur has become ingrained in our expense reporting process. Furthermore, Concur continues to improve its offering. Each month, they release updates and changes, many of which were client requested. Concur's constant evolution means it is adapting with my business
Read full review
Xero
In addition to the matters covered in this review, my reason for renewing this product is that Xero's functionality and the constant updates that the company provides, makes the software even more business friendly. The software therefore builds a brand loyalty among customers.
Read full review
Usability
SAP Concur
I think it is very easy to use, especially once you are acquainted with it. I think the UX could be improved so some things, like accessing old reports, are more intuitive once you learn it though it is not difficult to replicate.
Read full review
Xero
As a standalone software, it allows users to fulfill most of the basic functions (e.g. transaction input and report generation) simply and conveniently. It also allows for multiple APIs to help augment various tasks that accounting-adjacent (e.g. claims processing). The cloud based model and portability to mobile devices allows tasks to be carried out in a more convenient way.
Read full review
Reliability and Availability
SAP Concur
In prior years I would have given them a 9.5 for availability. Unfortunately in 2015 so far this rating has dropped to a 7 overall.
We have experienced far too many interruptions - from admins to employees who rely on it for day to day booking of travel and submission of expense reports. Server errors, slow system response time and spinning wheels are too common place. Those things should be a rare occurrence, not a daily interruption.

While Conur still has great product offerings overall, they are currently not offering world class or best in class product (and customer service) availability. Remaining hopeful they step up and get their A game going again soon.
Read full review
Xero
We have been actively using and 100% Xero based for our ecommerce accounting practice for over 4 years. There has on been one real outage for more than 5 minutes. Xero was open and transparent about the outage, what they were doing to resolve the issue, and provided 15 minute updates. Showing how they care about their customers and partners. Plus, showing that their customers care too, were understanding, and went surfing or in our case took a nap. Couldn't run our business without Xero as a partner.
Read full review
Performance
SAP Concur
Pages always load quickly, reports are always completed in a quick and efficient time frame, and everything about the experience is swift. I've never had any frustrations or complexities that can't be handled easily
Read full review
Xero
Pages generally load quickly, but it's a fairly common occurrence to have pages taking a bit longer than I'd like to load (as in, 4+ seconds). Occasionally I have to refresh a page to get it to work. Bank feed and integrations tend to be slow in general, but that could easily be due to API latency on the side of the other parties. Most of the time, though, the bank feeds refresh before I login so it's not a huge problem. Not necessarily good performance compared to a local app like QuickBooks desktop, but definitely good performance for a cloud application. Room for growth? yes.
Read full review
Support Rating
SAP Concur
I have never had to use customer support when using Concur Expense - the UX could be a bit nicer on the eyes or easier to understand, but there have never been any problems when using Concur Expense that I have had to ask or reach out to customer support to help me with anything.
Read full review
Xero
Always respond and keep issues open until you are satisfied with the result. Generally good responses, in the past, I had some support responses that were really basic and really annoying. They type where "have your tried restarting your computer" style of answers. Well, of course, I went through all the basics before contacting them. Duh, but I suppose not everyone does. Otherwise, it would be a 10. The last year has shown a marked improvement in the support responses however.
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In-Person Training
SAP Concur
My Seniors were the ones who taught me about Concur. Concur Support team has sent me training links and answered me in their tickets too. Usually they are helpful and knows their stuff. There are times when webex meetings is conducted for reporting training. They were very patient and took down all the details from me.
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Xero
The format was great; someone was there to ask questions or help if you were stuck.
Read full review
Online Training
SAP Concur
I can use it after that training, so it fits the purpose.
Read full review
Xero
All of Xero's training is online and available for anyone (business owner or accountants) to learn and become experts in their system. There is a range of content from product training to real world webinars from their partners. Xero is beautiful accounting software and their training is the same.
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Implementation Rating
SAP Concur
There are different implementation teams for each module of the product you purchase, so implementation is not a 'one size fits all' environment. Also, the different implementation teams have different ways of doing things, so Concur could stand some standardization and streamlining in this area. A Project Manager can make or break an implementation so don't be scared to ask for a new one if things are rocky.
Read full review
Xero
If it can be done, time the implementation near a new fiscal year so you can start clean. Otherwise, you have to go back and do historical data from the beginning of the fiscal year, which can be brain draining.
Read full review
Alternatives Considered
SAP Concur
Expensify and Zoho Expense work for small and mid-size businesses. Big multinationals do not receive benefits from the apps. Coupa is good as a solution for organizations with non-SAP leading systems. If you plan to use SAP ERP as the main/lending system then SAP Concur is the best solution, mainly for its native integration with SAP ecosystem.
Read full review
Xero
Each of the products I listed had their own list of drawbacks, but the one thing they all had in common, which was right on top of that list of drawbacks, was ease of use. I struggled to get myself accustomed to each system and struggled, but when it came to getting a client to even try and use it was when the true struggle started. Just found it easier to make use of Xero from the very beginning.
Read full review
Scalability
SAP Concur
This program has been very helpful, user friendly and has been a great asset to use to assist with time management. Not only are leadership involved with using this program but all staff as well. This is also a great way to hold each accountable. Easy startup with not many means for hands on training
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Xero
I have yet to fully stress test the product given the size of the company where I am using it. I am sure as we scale to more customers, more vendors and more reporting requirements, I will have a better understanding of what it is capable of in terms of bandwidth and processing
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Return on Investment
SAP Concur
  • Concur's automation has produced impressive efficiency improvements, which have decreased the time and effort required for expense management.
  • Manual errors and policy violations have decreased, which has led to cost savings.
  • We now adhere to corporate regulations better, which lowers risks thanks to Concur's policy compliance checker.
Read full review
Xero
  • Xero is a basic accounting system that performs basic accounting tasks easily and accurately. For that, it provides a positive impact on our day to day accounting operations.
  • Because of Xero's basic structure, I feel it lacks some of the sophistication that some users want and need. The ability to create unique custom reports would enhance the impact Xero would have on meeting business objectives by providing current and useful accounting information.
  • In my opinion, Xero's lack of focus on their customers - their users - is a real issue with me. In my opinion, those of us that are in the trenches that work with the system on a daily basis have to deal with the shortcomings of the system with the knowledge that Xero support refuses to address the operational issues that make their user's lives difficult. I feel if Xero would focus on truly making their software better from a users point of view, it has the potential to be a great system.
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ScreenShots

SAP Concur Screenshots

Screenshot of a picture of a receipt snapped from a smartphoneScreenshot of analytics from SAP ConcurScreenshot of the integrated travel and expense applicationScreenshot of the SAP Concur mobile app

Xero Screenshots

Screenshot of Screenshot of Screenshot of Screenshot of Screenshot of Screenshot of