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    Overview
    ProductRatingMost Used ByProduct SummaryStarting Price

    SAP Concur

    Score8.3 out of 10
    N/ASAP 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.

    $7

    per month

    Xero

    Score8.4 out of 10
    N/AXero 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
    Base
    $7.00
    per report (average price)
    Plus
    $11.00
    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 …
    Incentivized
    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.
    Incentivized
    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
    Incentivized
    Key User Insights
    Would buy again
    94%
    Would buy again
    732 Answers
    93%
    Would buy again
    160 Answers
    Delivers good value for the price
    95%
    Delivers good value for the price
    586 Answers
    94%
    Delivers good value for the price
    153 Answers
    Happy with the feature set
    95%
    Happy with the feature set
    738 Answers
    93%
    Happy with the feature set
    160 Answers
    Lived up to sales and marketing promises
    93%
    Lived up to sales and marketing promises
    385 Answers
    94%
    Lived up to sales and marketing promises
    131 Answers
    Implementation went as expected
    94%
    Implementation went as expected
    419 Answers
    99%
    Implementation went as expected
    149 Answers
    Features
    SAP ConcurXero
    Expense Management
    Comparison of Expense Management features of SAP Concur and Xero
    Feature
    SAP Concur
    8.3
    563 Ratings
    0% above category average
    Xero
    -
    Ratings
    Employee Expense Reporting8.3555 Ratings00 Ratings
    Corporate Card Reconciliation8.3419 Ratings00 Ratings
    Payment Management
    Comparison of Payment Management features of SAP Concur and Xero
    Feature
    SAP Concur
    8.2
    495 Ratings
    2% above category average
    Xero
    -
    Ratings
    Customizable Approval Policies8.2434 Ratings00 Ratings
    Financial Document Management8.5369 Ratings00 Ratings
    Payment Status Tracking8.6429 Ratings00 Ratings
    Payment Audit Trail8.3400 Ratings00 Ratings
    Duplicate Bill Detection7.6358 Ratings00 Ratings
    Advanced OCR8.2313 Ratings00 Ratings
    Electronic Funds Transfer8.4287 Ratings00 Ratings
    Payroll Management
    Comparison of Payroll Management features of SAP Concur and Xero
    Feature
    SAP Concur
    -
    Ratings
    Xero
    7.5
    73 Ratings
    1% 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 Ratings7.054 Ratings
    Customization
    Comparison of Customization features of SAP Concur and Xero
    Feature
    SAP Concur
    -
    Ratings
    Xero
    8.0
    169 Ratings
    6% above category average
    API for custom integration00 Ratings7.979 Ratings
    Plug-ins00 Ratings8.1156 Ratings
    Security
    Comparison of Security features of SAP Concur and Xero
    Feature
    SAP Concur
    -
    Ratings
    Xero
    7.1
    213 Ratings
    14% below category average
    Single sign-on capability00 Ratings5.572 Ratings
    Role-based user permissions00 Ratings8.7211 Ratings
    Reporting & Analytics
    Comparison of Reporting & Analytics features of SAP Concur and Xero
    Feature
    SAP Concur
    -
    Ratings
    Xero
    8.3
    241 Ratings
    6% above category average
    Dashboards00 Ratings8.3237 Ratings
    Standard reports00 Ratings8.9239 Ratings
    Custom reports00 Ratings7.9212 Ratings
    General Ledger and Configurable Accounting
    Comparison of General Ledger and Configurable Accounting features of SAP Concur and Xero
    Feature
    SAP Concur
    -
    Ratings
    Xero
    8.3
    251 Ratings
    8% above category average
    Accounts payable00 Ratings8.0229 Ratings
    Accounts receivable00 Ratings8.1234 Ratings
    Cash management00 Ratings7.7217 Ratings
    Bank reconciliation00 Ratings8.6244 Ratings
    Expense management00 Ratings7.8224 Ratings
    Time tracking00 Ratings6.387 Ratings
    Fixed asset management00 Ratings7.7152 Ratings
    Multi-currency support00 Ratings7.9149 Ratings
    Multi-division support00 Ratings7.5129 Ratings
    Regulations compliance00 Ratings8.3131 Ratings
    Electronic tax filing00 Ratings8.6134 Ratings
    Self-service portal00 Ratings7.7153 Ratings
    Global Financial Support00 Ratings7.884 Ratings
    Primary and Secondary Ledgers00 Ratings7.881 Ratings
    Intercompany Accounting00 Ratings10.040 Ratings
    Localizations00 Ratings10.039 Ratings
    Journals and Reconciliations00 Ratings10.090 Ratings
    Enterprise Accounting00 Ratings10.033 Ratings
    Configurable Accounting00 Ratings10.059 Ratings
    Centralized Rules Framework00 Ratings6.033 Ratings
    Standardized Processes00 Ratings8.059 Ratings
    Inventory Management
    Comparison of Inventory Management features of SAP Concur and Xero
    Feature
    SAP Concur
    -
    Ratings
    Xero
    6.3
    119 Ratings
    14% below category average
    Inventory tracking00 Ratings7.2115 Ratings
    Automatic reordering00 Ratings6.224 Ratings
    Location management00 Ratings6.229 Ratings
    Manufacturing module00 Ratings6.016 Ratings
    Order Management
    Comparison of Order Management features of SAP Concur and Xero
    Feature
    SAP Concur
    -
    Ratings
    Xero
    7.3
    89 Ratings
    1% below category average
    Pricing00 Ratings10.062 Ratings
    Order entry00 Ratings10.056 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
    Brex
    Score9 out of 10
    QuickBooks Self-Employed (discontinued)
    Score4.3 out of 10
    Medium-sized Companies
    Expensify
    Score9 out of 10
    MYOB
    Score8.3 out of 10
    Enterprises
    Emburse Expense Enterprise (formerly Chrome River)
    Score8.3 out of 10
    Microsoft Dynamics GP
    Score5.3 out of 10
    All AlternativesView all alternativesView all alternatives
    User Ratings
    SAP ConcurXero
    Likelihood to Recommend
    8.3
    (1013 ratings)
    8.3
    (266 ratings)
    Likelihood to Renew
    8.4
    (48 ratings)
    4.7
    (38 ratings)
    Usability
    8.2
    (243 ratings)
    8.3
    (192 ratings)
    Availability
    8.3
    (16 ratings)
    3.1
    (12 ratings)
    Performance
    6.9
    (13 ratings)
    8.0
    (10 ratings)
    Support Rating
    7.8
    (45 ratings)
    5.6
    (40 ratings)
    In-Person Training
    5.8
    (7 ratings)
    9.1
    (1 ratings)
    Online Training
    8.2
    (6 ratings)
    10.0
    (6 ratings)
    Implementation Rating
    7.9
    (16 ratings)
    7.6
    (13 ratings)
    Configurability
    8.1
    (10 ratings)
    8.1
    (3 ratings)
    CPA Rating
    -
    (0 ratings)
    9.1
    (10 ratings)
    Ease of integration
    8.1
    (63 ratings)
    7.4
    (150 ratings)
    Product Scalability
    8.9
    (62 ratings)
    7.0
    (8 ratings)
    Vendor post-sale
    6.0
    (9 ratings)
    6.5
    (4 ratings)
    Vendor pre-sale
    5.7
    (10 ratings)
    6.5
    (4 ratings)
    User Testimonials
    SAP ConcurXero
    Likelihood to Recommend
    SAP Concur
    SAP Concur is great for large organizations because of it's built in approval process functions. It is great tool for expense reports and any company where employees need to book travel. I imagine that the tool would be more tricky to use for those who are less technically savvy since there are many tabs and it is sometimes tricky to navigate.
    Incentivized
    Read full review
    Xero
    The only time I wouldn't be suggesting it is to consultants or solopreneurs. I think it's too overwhelming unless you are experienced or have a background related to finance. So it's not that the product isn't powerful, it's that it can be too powerful. For all other size businesses it really is what you need to use to make life simple to track everything in your business. It definitely saves me time by having it all in one place and not multiple spreadsheets etc
    Incentivized
    Read full review
    Pros
    SAP Concur
    • Self service and easy to navigate
    • Available on all mobile devices
    • Provides travel options such as airlines for the destination with several options
    • Automatically define check in and check out dates and time for hotels
    • Reminds users to book other travel related activities
    Incentivized
    Read full review
    Xero
    • The bank feed integration makes reconciling transactions easy
    • Once you load a template for your invoices, every client gets a professional looking invoice
    • Bill paying and tracking of payments is also easy; you load your bill into Xero, pay it through the bank, and when the transaction is completed it comes through on bank feeds. If you need to query when a bill was paid, it is all there in Xero
    Incentivized
    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.
    Incentivized
    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.
    Incentivized
    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
    Incentivized
    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.
    Incentivized
    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.
    Incentivized
    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
    Performance-wise, it's good, loads pages quickly, and reports are highly accurate and easy to understand. Also, we can generate custom reports as needed, and we have integrated with a few other apps, and we have not seen any downgrade in performance.
    Incentivized
    Read full review
    Xero
    On a good day, things worked but after upgrades, things began to slow and or not work at all at times. I coined the moving circle while I waited as the "Xero Wheel of Death". Sometimes it never stopped and force quitting was necessary.
    Incentivized
    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.
    Incentivized
    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.
    Read full review
    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.
    Incentivized
    Read full review
    Xero
    The format was great; someone was there to ask questions or help if you were stuck.
    Incentivized
    Read full review
    Online Training
    SAP Concur
    The person on the online training was very through and helped us with all questions. The trainer was excellent—very knowledgeable, engaging, and easy to understand. If you'd like, I can tailor it for a formal evaluation or add specific strengths
    Incentivized
    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.
    Read full review
    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.
    Incentivized
    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.
    Incentivized
    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.
    Incentivized
    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
    Incentivized
    Read full review
    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
    Incentivized
    Read full review
    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.
    Incentivized
    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.
    Read full review
    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

    Product screenshotProduct screenshotProduct screenshotProduct screenshotProduct screenshotProduct screenshot