# Compare SAP Concur vs Xero 2026 | Capterra

> Unsure of what to choose? Check Capterra to compare SAP Concur and Xero based on pricing, features, product details, and verified reviews.

Source: https://www.capterra.com/compare/380-120109/Concur-Expense-vs-Xero

---

# SAP Concur vs Xero Features and Cost Comparison

Last updated May 5th, 2026

Provider data verified by our Software Research team, and reviews  
moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/)

Your comparison:

SAP ConcurXero2/4 selected

[SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.3 (2,247)](https://www.capterra.com/p/380/Concur-Expense/reviews/)

[Xero](https://www.capterra.com/p/120109/Xero/)[4.4 (3,290)](https://www.capterra.com/p/120109/Xero/reviews/)

[## SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.3 (2,247)](https://www.capterra.com/p/380/Concur-Expense/reviews/)

Starting Price

$7.00/month

Value-for-Money

4.1

Functionality

4.2

Ease of Use

4.1

Customer Service

4.1

Reviews Sentiment

Based on [2,247 reviews](#user-reviews)

Positive

1,930

Neutral

220

Negative

97

[## Xero](https://www.capterra.com/p/120109/Xero/)[4.4 (3,290)](https://www.capterra.com/p/120109/Xero/reviews/)

Starting Price

$25.00/month

Value-for-Money

4.2

Functionality

4.3

Ease of Use

4.4

Customer Service

4

Reviews Sentiment

Based on [3,290 reviews](#user-reviews)

Positive

2,891

Neutral

239

Negative

160

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## Summary

* * *

Key features rated by users

Features selected based on 8,221 reviews from expense report software users.  
about the Fit Score methodology.

Fit Score methodology

Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about.

  

If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology

74%Fit

Missing features

Feature ratings

Expense Tracking

4.6

Receipt Management

4.5

Expense Claims

4.6

Invoice Management

4.3

Timesheet Management

NA

72%Fit

Missing features

Feature ratings

Expense Tracking

4.4

Receipt Management

4.6

Expense Claims

4.4

Invoice Management

4.5

Timesheet Management

NA

User satisfaction

User satisfaction

4.3

User reviews[2,247](https://www.capterra.com/p/380/Concur-Expense/reviews/)

Ease of use

4.1

Functionality

4.2

Value for money

4.1

Customer support

4.1

User satisfaction

4.4

User reviews[3,290](https://www.capterra.com/p/120109/Xero/reviews/)

Ease of use

4.4

Functionality

4.3

Value for money

4.2

Customer support

4.0

Price starts from

Price starts from

$7Usage Based, Per Month

-   Free version
-   Free trial

Price starts from

$25Flat Rate, Per Month

-   Free version
-   Free trial

Best for

Best for

SAP Concur is a leading cloud-based spend management solution that helps small, medium, and large businesses automate and simplify expense reporting, travel booking, and invoice processing.

Best for

Xero is an accounting software that caters to small businesses across multiple sectors, such as agriculture, construction, education, healthcare, hospitality, and more.

## User reviews

Pros & cons

VR

Verified Reviewer

Curriculum Designer and Trainer II

> "Overall SAP concur is a great tool to keep track of expenses and how to organize those expenses into which reports and the ability to track down the..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7046672)

VR

Verified Reviewer

President

> "The online travel booking features are slow, do not provide the same discounts, and have added travel fees."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7126371)

VR

Verified Reviewer

Retail Sales Manager

> "I submit all my travelling expenses through Concur and it is a amazing process to be notified when they got approved, when they were sent for payment..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7078983)

Martin L.

Sales Director

> "I didn't dislike anything about Concur however sometimes the 'app' managers configure it improperly so that there are limited expense items compared to..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7062934)

HL

Hunter L.

Executive Assistant

> "The configuration of my company's travel rules helped me always stay within budget, manage an entire team, and use their individual corporate cards."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7076207)

CR

Cindy R.

IT Admin

> "I didn't like that concor was ver specific with what image files it received and how when you uploaded and used receipts, it wouldn't delete them but..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6821171)

VR

Verified Reviewer

Curriculum Designer and Trainer II

> "What I like most about SAP concur is that it keeps all my expenses in one place and identifies expenses that is tied into my e-mail."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7046672)

CN

Chris N.

HR Manager

> "Initially it could seem a bit overwhelming as the home screen has a lot of options to choose from...seems a bit busy looking."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7064955)

Martin L.

Sales Director

> "What is great about Concur is that it makes it easy to identify the individual customers you are entertaining - especially for large events it will..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7062934)

GG

Gary G.

Director of Corporate Devlopment

> "Unintuitive navigation, easy to lose work, exception thresholds requiring use explanations too obtrusive/rigid, pdf formatting required for receipts,..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6425793)

GT

Gary T.

Solutions Architect

> "SAP Concur makes expense reporting fast with its intuitive interface, automation, and seamless integration with finance systems."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6812332)

Orlando E. G.

Advisor

> "Some issues with getting detailed information on the card charges to make sure they match up with the correct Receipts I have in hand."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7011680)

VR

Verified Reviewer

Account Manager

> "The auto expense feature is really useful, it loads expenses from your company card in automatically and you just add the receipts."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7036710)

JS

Joshua S.

Senior Learning Facilitator

> "There seemed to be an issue at times where the pictures of some receipts would just disappear and I would have to double check they were still on the..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6808645)

MT

Mallory T.

Executive sous chef

> "I have had to use excel sheets, other websites and paper to do expenses and it was always so time consuming, SAP really saves time and effort."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7096293)

GT

Gary T.

Solutions Architect

> "SAP Concur can feel overly complex at times, with occasional glitches and confusions for new users or submitters."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6812332)

VR

Verified Reviewer

President

> "Ease of expense reporting, uploading receipts, approving multiple expense reports and the warning system for errors."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7126371)

AR

Arti R.

Software engineer

> "SAP Concur can feel clunky and outdated, especially the interface."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7138961)

AR

Anitha R.

Senior Technical Specialist

> "This helps prevent many errors and ensures better compliance, which is essential in the financial sector."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7092917)

JG

Joel G.

Director of Operations

> "Also, moving expenses to other reports isn’t as easy as it is on the desktop."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7099910)

UC

Urgan C.

Associate

> "You can automate approval workflows and integrate with corporate policies ensures that expenses are processed quickly, while maintaining compliance..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6504628)

MS

Matthew S.

Director of Product Development

> "Delayed payment, sometimes taking up to a week to hit my bank account including the verification process."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6840592)

DL

Dave L.

Senior Consultant

> "What I like most about Concur is it gives me a way to enter in my company expenses, keep track of them, and give me notifications every step along the..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6797157)

Jeremiah L. G.

Chief Operating Officer

> "They have no easy way to pay your bill and Support took 3 weeks to figure out why I could not access the online billing portal and in the interim I..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6628432)

CR

Cindy R.

IT Admin

> "I loved the fact that you can save receipts inside of the application, You can later look for them amongst the saved files and pull what you needed."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6821171)

VR

Verified Reviewer

Project Manager

> "There are times that SAP Concur has a lag in slowness to it."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7121002)

MC

Michael C.

Sr. Director Professional Services

> "The softwares ability to sync with Credit Card providers and receipt tracking has made business travelers expense report creation and submittal much..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6589892)

VR

Verified Reviewer

Account Manager

> "Can be a little buggy and clunky sometimes with long page refreshes when making changes."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7036710)

AK

Ashfak K.

Senior executive

> "its automation of expense reporting helps reduce manual entry, minimizes errors, and can lead to more efficient reimbursement processes."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6567406)

Thomas C.

civil engineer

> "Sometimes the scanning of invoices can be a little slow and it does not allow the image to load correctly"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6625279)

RS

Rachel S.

Treasurer

> "I use SAP Concur on my mobile phone to manage expenses such as travel and spend which enhance compliance and eradicate fraud."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6516764)

Jeremiah L. G.

Chief Operating Officer

> "It did not play well with other applications and the onboarding success team takes over a week to respond. If you have in house IT staff then you..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6628432)

FM

Faisal M.

Payroll

> "It makes expense management more efficient through automation, reliable reimbursements, and strong reporting tools."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7011458)

TC

Torey C.

Junior Golf Tournament Manager

> "It is very difficult to search for coding items. "

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7058326)

Orlando E. G.

Advisor

> "Good Program for submitting proposed travel/trip costs, and my department is good about reviewing expense report reconciliation requests."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7011680)

Margaret R.

Professor

> "My University and the bureaucracy of SAP Concur acts like my time is free, when ultimately they are stealing from themselves and not using my time..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#GetApp___6603849)

HL

Hunter L.

Executive Assistant

> "As an executive assistant for 6 professionals that traveled to client sites often, SAP Concur was a lifesaver for travel booking."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7076207)

EV

Emily V.

EA

> "The customer support is not the best. If one is calling the phone line sometimes it can wait up to 20 minutes for an agent."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6507293)

AS

Adeniran S.

Associate Traveling Secretary

> "SAP Concur enables me to save time by automating complex accounting processes mainly invoicing and inventory control."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6597728)

Margaret R.

Professor

> "I have a grant and should not be doing support staff work like this -- having faculty deal with the clunky system and people who refuse to help us..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#GetApp___6603849)

NN

Nabil N.

IT Manager

> "Approval workflows are easy to configure and the integration with our finance processes reduced a lot of back and forth."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7130343)

SR

Shannon R.

CFO

> "No we can integrate with Chase Ink but can’t get ANYONE to work with us on the integration (emailing for MONTHS)."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#SoftwareAdvice___6642951)

BB

Brandon B.

Senior Manager of IT Infrastructure

> "Prior to moving away from SAP for our ERP platform, it's direct integration into our Finance platform was extremely nice."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7054782)

MK

Marie K.

Success Manager

> "I have used it at two companies, and while it does make it easy to upload things for reimbursements, the site itself is a little clunky, and is missing..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6425287)

JH

Jamie H.

Quality and Reliability Specialist

> "There is an app that can be used on your phone that makes expense reports easier to manage."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7142309)

KG

Katerina G.

Business development manager

> "It is difficult to navigate and find key information for proposed option while impossible to modify things on your bookings"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6342696)

SN

Suraj N.

Inside Product Specialist

> "The platform's integration capabilities and robust reporting features make it an invaluable tool for businesses looking to manage their expenses..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6458762)

VR

Verified Reviewer

Instructional Designer and Training Specialist

> "I also don't like that it is a little difficult to tell which rooms won't give points."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6853719)

VR

Verified Reviewer

Operations manager

> "Very easy to use with the mobile app that allows you to upload receipts on the go and also check booked travel information."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7078058)

Jim C.

Lead application support analyst

> "Some steps are not very intuitive."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7053350)

DH

Daniel H.

Power Platform Developer

> "Easy receipt upload, automated expense reports, seamless travel booking. Once this is all set up it makes everything so much more manageable"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6821671)

ZH

Zachary H.

EHS Manager

> "This last update changed things up a bit and threw me for a loop finding everything again, but that usually happens when things update."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6786179)

JA

Jackline A.

Customer Relationship Manager

> "SAP Concur automates repetitive accounting procedures that help save time and reduce financial errors."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7007829)

VR

Verified Reviewer

Data Analyst

> "Automations don’t always work seamlessly across every system integration"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7012979)

CR

Clinton R.

Fleet Manager

> "The app makes it even better allowing easier access and not having to open up your laptop or desktop to complete your expenses."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6819332)

SR

Shannon R.

CFO

> "Couldn’t tell you if the system itself is any good or not because we have been working on the integration since April of 2024 (today is Jan 1 2025) and..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#SoftwareAdvice___6642951)

MC

Michael C.

Sr. Director Professional Services

> "From going back years to when users were taping receipts to paper and uploading, to having the ability easily attach receipts via your mobile devise is..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6589892)

CR

Clinton R.

Fleet Manager

> "When traveling, it doesn't recognize hotel taxes."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6819332)

VM

VINCE M.

Director of Maintenance

> "SAP Concur is a great tool for our company and make the expense process easier."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7124684)

NB

Nick B.

Senior Accountant

> "It wasn't easy for us to update our own information in SAP Concur without it de-syncing the export."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6432938)

PF

Ping F.

Operations Analyst

> "I also like that it provides access to check traveler profiles and records, which helps a lot with work needs."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6441755)

CJ

Caleb J.

Internal Audit Associate

> "Sometimes there is a lag in looking for certain reports but this boils down to information that is being loaded."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6567846)

Matthew P.

Founder

> "The SAP Concur travel booking functionality is also quite useful, and I appreciate booking all of my travel options on one website."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6754629)

UC

Urgan C.

Associate

> "SAP Concur's interface to be cluttered or not as intuitive as other expense management tools."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6504628)

Jordan M.

HR Generalist

> "I enjoy the pre-populated items and navigation system that makes submitting reports a breeze."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7016717)

JI

Joy I.

Administrative Coordinator

> "Mobile application on Android system lack some features available on cloud apps."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6665790)

EV

Emily V.

EA

> "It also has a mobile app support where you can easily upload receipts and submit expenses."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6507293)

BH

Brian H.

Environmental Compliance Engineer

> "Daily expenses repeat and create flags."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7018783)

IP

Issac P.

Senior Engineer

> "Very easy to create a business travel expense for approval and dedicated emails are sent at every stage of approval process which ensures no important..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6576013)

FM

Faisal M.

Payroll

> "Interface feels outdated and not always intuitive"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7011458)

IP

Issac P.

Senior Engineer

> "The process of creating expense reports is very easy and the support of mobile app makes it more helpful as all expenses, bills etc"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6576013)

TP

Tess P.

Customer Care Representative

> "Sometimes there are not the right categories/sections to input information"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6569348)

TH

Tammy H.

Accounting Clerk

> "I've used Concur for years and I think it's the best system out right now and the customer service is awesome."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7089132)

DL

Dave L.

Senior Consultant

> "Overall it gets the job done, but for me it's not the easiest to understand at first glance, and wish the interface would be simplified a bit."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6797157)

VR

Verified Reviewer

HR Lead

> "The best thing about SAP Concur is that it is very easy to use and to manage the expenses and reimbursement purpose. Once the card is linked to the..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6665344)

GM

Galateya M.

Executive Administrative Assistant

> "It lags sometimes and gets a lot of bugs."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6449251)

IP

Issac P.

Senior Engineer

> "I use Concur for recording all expenses incurred during a business travel and the entire process is very seamless and easy"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6576013)

OG

Oscar G.

Product Manager

> "Slowly access to available flights and hotels to booking, and system to include the expenses is tedious with old UI, ready to be refreshed for a better..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___5039958)

VR

Verified Reviewer

Business Development

> "Very solid platform that helps our team stay focused and productive!"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7052781)

WH

Warren H.

Data And Tech Lead

> "It can be hard to find the different between credit card expenses to the company and reimbursements, you do have to make errors to be highlighted to an..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___4901953)

[View Reviews](https://www.capterra.com/p/380/Concur-Expense/reviews/)

NC

Nikki C.

permit technician

> "What I like most about Xero is its clean, easy-to-use interface and automation features, especially bank reconciliation and invoicing, which save time and make managing..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7139671)

DT

Danielle T.

AP, AR, Payroll

> "When you have more than one entity i find that you cant look at two company files at the same time one kick s the other one out and then it crashed TAHT is sooooo annoying as i..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7107297)

NC

Nikki C.

permit technician

> "It’s an easy-to-use platform that simplifies accounting tasks like invoicing, bank reconciliation, and expense tracking with strong automation features."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7139671)

BN

Bill N.

Senior Financial Accountant

> "Reporting and workflows aren’t very flexible like some other larger ERP systems, which can be frustrating especially as our company grew in size and required more advanced and..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7133604)

VR

Verified Reviewer

Treasury Accountant

> "The dashboard gives a clear, real-time view of cash flow, bank balances, and outstanding invoices, which makes decision-making much easier."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7129361)

HL

Hikmet L.

Medical Assistance Specialist

> "Sometimes bugs and problems can make urgent financial syncs slow, and customer service is usually slow when it comes to time-sensitive medical billing questions."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7100283)

AF

Amanda F.

Licensed Real Estate Broker

> "I mainly use Xero since it has an iOS mobile application that allows me to streamline online accounting processes from anywhere."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7067232)

AF

Amanda F.

Licensed Real Estate Broker

> "However, some features allocated by Xero aren’t robust enough which forces me to integrate with external Apps, for instance inventory management tools."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7067232)

NS

Natalie S.

Senior immigration Advisor

> "Xero offers 30 days for trial where you're able to explore all features of this tool and you are able to learn how it's feature can be used for accounting."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7060176)

VR

Verified Reviewer

Treasury Accountant

> "I’ve also noticed that as transaction volume increases, the platform can occasionally feel slower, especially during bank reconciliation or when loading reports."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7129361)

JL

John L.

CEO

> "Xero has become a standard tool I use to understand my business performance since incorporation and a tool I believe I will continue to use at least until my business scales to..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067)

DE

Daryl E.

Consultant

> "Just one example; you add a discount to a line item on a quote, lets say $10, and then realise that you put that discount on the wrong line item, so you delete the discount on..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616)

Craig H.

General Manager

> "I also appreciated the accessibility, being able to access financial information from anywhere, and the automated reminders, which helped keep tasks like invoicing and payments..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7038677)

DE

Daryl E.

Consultant

> "This is the kind of moronic bugs that happen all the time in Xero, and its due to one thing only; an insistence on only working on things that look good to attract new users..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616)

AL

Amber L.

Discharge Planner

> "Xero has a mobile application that allows me process patient payments during discharge in my organization as well as creating invoices automatically."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7002100)

Bryce M.

Founder

> "I am upset by having to look for an alternative solution in the middle of my work month after stumbling on this and seeing no effort to rectify from xero's side or..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7091869)

JL

John L.

CEO

> "It takes times to understand and know if an accounting service provider is giving you what you need and the onboarding process did exactly this for me and my business. Once I..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067)

MH

Martin H.

Payroll Manager

> "Sometimes I need to wait for a while before my authentication code comes through, delaying my login."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7102201)

BN

Bill N.

Senior Financial Accountant

> "Its wide range of integrations also allowed us to build a connected, scalable finance system with minimal effort."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7133604)

MK

Michal K.

IT engineer

> "The only disadvantage so far is that sometimes it is hard to find some reports, for example remittance advise"

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7080651)

JP

John P.

Transport Broker

> "The dashboard is exceptionally clean, and it provides me with a brief overview of unpaid invoices and cash flow."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7076424)

Debbie M.

Owner

> "It does not offer good value for money compared with competitor products, and customer support is not available by telephone."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7072510)

VR

Verified Reviewer

Treasury Accountant

> "I’ve found the bank reconciliation feature especially efficient, it automatically matches transactions and significantly reduces manual effort."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7129361)

RH

Russ H.

Director

> "The reports seem a little bit more difficult to work out if you do not know the correct accountancy term but you can normally work it out without too much hassle."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6818770)

VR

Verified Reviewer

Founder and Copywriter

> "Invoicing is straightforward, I can easily reconcile all of my transactions and can run reports without having any finance knowledge."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7047418)

EC

Eric C.

Engineering Manager

> "Missing two features that our previous system could support - detailed export to .csv, and also we started to run into issues past 100 employees."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6748194)

JL

John L.

CEO

> "At the moment this is just me as a solo founder, I would love if Xero could also facilitate this transition for scaling businesses with a scale up or expansion onboarding..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067)

DE

Daryl E.

Consultant

> "I dread having to make changes to quotes and invoices because bugs in the UI are so common."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616)

DM

Dasha M.

Consultant

> "We are a small nonprofit without a formal accountant and were able to set up our business and run reports in ways that are simple but useful."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7134499)

RG

Rishi G.

Software Engineer

> "I do dislike how often I get logged out of Xero once I close the tab."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7084805)

JM

Jesse M.

Senior Accountant

> "The bank reconciliation feature works well enough for our needs and saves a lot of time compared to our old system."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7125220)

SF

Stephanie F.

Owner

> "Not able to talk to a support representative live; having to submit a case means a delay in resolving issues"

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6820368)

VR

Verified Reviewer

Treasury Accountant

> "Overall, it strikes a good balance between usability and functionality, especially for small to mid-sized businesses looking for a reliable, cloud-based accounting solution."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7129361)

JP

John P.

Transport Broker

> "Bank feed links are sometimes broken automatically."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7076424)

EB

Emma B.

Financial Controller

> "It has many different functions and capabilities which speed up reconciling and customisable reports."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7084871)

CB

Chris B.

Owner

> "Not sure which demographic will be lazy enough to not do books the old way, but also not tech savvy enough to make a small stack solution, which would be more seamless than..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7037880)

RG

Rishi G.

Software Engineer

> "The calendar helps me track who owes me money and I am just glad I can finally see the dates."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7084805)

Adrien J.

CEO

> "Bank integration does not work as advertised."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7109271)

Samuel L.

Mortgage Loan Officer

> "It has helped us avoid discrepancies in financial reports and tax returns by correctly recording and categorizing all our transactions including repayments and interest."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6765033)

MM

Melanie M.

Treasurer

> "The UI is a tiny bit clunky--most notably the "check writing/entering" functionality comes to mind. "

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6874464)

MW

Matt W.

Founder and Director

> "If fully utilised Xero is a very powerful business tool that can encapsulate everything financial - from integrated stock systems and product costing, to sales tracking and..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6494302)

NH

Natalie H.

Partner and co-founder

> "It's a little annoying when you've missed putting in the due date and it doesn't allow you to proceed, sometimes for the small business we don't need the due date, just add to..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6346121)

EH

Erin H.

Google Ads Specialist

> "I like how I can reconcile transactions in Xero from my bank feeds and set up recurring bills -- so I do not have to stress / waste time searching through everything and..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6778974)

JG

Jacob G.

Owner Franchisee

> "The numbers of users triggering a different payment amount is not the best for a small business."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6832378)

Rodrigo T.

Director of Cyber Security

> "Xero is an excellent tool that has allowed me to manage my department's expenses in a transparent and orderly way in simulation projects, prevention exercises and detailed..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6652504)

CW

Christine W.

Accounts

> "It is not easy to transfer data from one entity to another entity, even basic information has to enter these manually."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6871687)

JC

Jesse C.

Managing Director

> "We love the ability to connect and reconcile our accounts, easily process payroll, sign up new staff and process credit card payments for better cashflow."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6306306)

RG

Rishi G.

Software Engineer

> "Then I have to sit through another annoying OTP code to get back into my account."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7084805)

TVW

Tim Van W.

Senior Project Supervisor

> "Xero has great budgeting and expenses control features that assist us in crafting budgets for our projects and monitoring the expenditure to ensure it remains within the bounds..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6540687)

NH

Nina H.

Hr Manager

> "It isn't easy to calculate holiday in the same way as HR software."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7111292)

GN

Grace N.

Volunteer

> "Xero automates over 78% of manual repetitive accounting tasks such as AP,AR and GL which saves time and improve productivity leading to high performance and ROI."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6580047)

JB

John B.

Treasurer

> "For example, Xero can not suggest an annual budget based on prior year spending."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6857537)

Rodrigo T.

Director of Cyber Security

> "It allows me to manage my department's accounting in real time, giving me a clear and up-to-date visualization of expenses."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6652504)

SN

Samuel N.

CEO

> "I did have some issues getting set up and connecting bank accounts, which resulted in duplicates for one of my credit cards."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6301773)

DS

Dilak S.

Senior Experience Designer

> "Xero simplify accounting processes by automating workflow such as paying vendors, billing, invoicing and payments matching."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6505945)

DM

Daniel M.

Owner

> "Also, the learning curve can be a bit steep when diving into more complex accounting features."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6823952)

JP

John P.

Transport Broker

> "All loads of the general Tracking margins may be a pain, and this tool makes the accounting process easier."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7076424)

FS

Faizan S.

Payroll Manager

> "It can be somewhat stagnant at times in terms of the lack of colour and user interface."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6881268)

CB

Chris B.

Owner

> "The color of the logo is pleasing, the font on the website is very readable, design schemes show that this company paid visual design artist."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7037880)

DE

Daryl E.

Consultant

> "Advertising plastered on the UI making the book keeper's job harder than it could be."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7024616)

TH

Tamim H.

maneger

> "Comprehensive Reporting: The robust reporting tools provide detailed insights into financial performance, helping businesses make informed decisions and maintain healthy cash..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6306678)

GL

Gus L.

CFO and Principal Engineer

> "No way to generate travel expense report using labels"

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6831756)

MC

Matthew C.

Director

> "For us as a small manufacturing company that exports its products worldwide, Xero has proved to be an excellent fit with our needs."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7062551)

LS

Ladan S.

ceo

> "it took me an hour to figure out how to reach customer service, and I find that not having a live help is really a burden"

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6831802)

Samuel L.

Mortgage Loan Officer

> "Xero provides a sleek and simple interface that has enabled us to set up our loans and mortgages as either bank accounts or non current liability account, allowing for detailed..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6765033)

LR

Lisa R.

Office manager

> "The reason I originally did not use Xero was because our bank does not connect with Xero. "

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___7028182)

MG

Mike G.

Project Manager

> "You have the ability to create a quote, add your own notes and narrative, save templates, and convert quotes into invoices, all going directly to the customer and requesting..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6559041)

Richey J.

General Manager

> "Some aspects of payroll aren't equipped for specialist HR requirements."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6881639)

Samuel L.

Mortgage Loan Officer

> "It provided us with realtime updates of our financial aspects which help inform our clients and accurately process all their transactions."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6765033)

AB

Abhishek B.

Executive- Sales and Procurement

> "Sometimes there are delays with customer service support which slightly hampers the experience of smooth workflow in case of techncial issues."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6452605)

JL

John L.

CEO

> "Xero onboarding and low cost entry point for start-ups and first time users give the perfect opportunity to validate the value of this platform."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6863067)

GL

Gus L.

CFO and Principal Engineer

> "Not integrated with invoicing systems like ipp.gov"

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6831756)

PM

Preeti M.

AVP

> "There are so many search options and shortcut methods like cash coding and uploading bulk journals and credit notes in CSV are available, which make the life of accountant..."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6460055)

TE

Timothy E.

Owner

> "They say that they can convert your old Quickbooks file to xero but after starting the process they turn around and say they couldn't do it."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6433289)

VR

Verified Reviewer

Account and content marketing manager

> "Reoccurring invoices and the simplicity of the program were essential factors to enhance our monthly invoice procedure and Xero delivered."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6335146)

SP

Shelley P.

Manager

> "I keep sending POs that say DRAFT because the APPROVE button is at the bottom."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6841704)

TS

Tom S.

Director

> "Being able to manage payroll, invoices, banking feeds and tax from one platform is nice."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6856926)

KL

Kyle L.

President

> "Also, their prices keep increasing substantially and they don't care if you've been there for many years they will still increase it on you which is why I left."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6829883)

SP

Shelley P.

Manager

> "The import and export feature works nicely too if you are setting up a new account or moving data from one file to another."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6841704)

WJ

Will J.

Director

> "Good initially, but I had a lot of issues with square integration and the cost got too high in the end."

[See full review](https://www.capterra.com/p/120109/Xero/#Capterra___6871639)

[View Reviews](https://www.capterra.com/p/120109/Xero/reviews/)

## User interface

4.30 (2,247)

4.40 (3,290)

## Connect with a Capterra advisor for a free 15-minute consultation

Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs.

### Features

Do these products fit your needs?

Prioritize real-user-identified key features according to your needs to find your best fit.

\--% Fit

vs

\--% Fit

Access Controls/Permissions

207

Important

Accounting Integration

150

Important

Activity Dashboard

120

Important

SAP Concur

Top features

29/42

-   Access Controls/Permissions
-   Accounting Integration
-   Activity Dashboard
-   AI Copilot
-   API
-   Approval Process Control
-   Audit Trail
-   Automated Receipt Matching
-   Billable & Non-Billable Hours
-   Budgeting/Forecasting
-   Categorization/Grouping
-   Compliance Management
-   Corporate Card
-   Credit Card Management
-   Customizable Fields
-   Customizable Templates
-   Data Import/Export
-   Duplicate Detection
-   Electronic Payments
-   Expense Claims
-   Expense Tracking
-   Financial Analysis
-   Generative AI
-   Invoice Management
-   Mileage Tracking
-   Mobile Access
-   Mobile Receipt Upload
-   Multi-Currency
-   Optical Character Recognition
-   Policy Management
-   Real-Time Notifications
-   Real-Time Updates
-   Receipt Management
-   Reimbursement Management
-   Reminders
-   Reporting & Statistics
-   Secure Data Storage
-   Single Sign On
-   Spend Control
-   Third-Party Integrations
-   Timesheet Management
-   Workflow Management

[See all features](https://www.capterra.com/p/380/Concur-Expense/#features)

Xero

21/42

-   Access Controls/Permissions
-   Accounting Integration
-   Activity Dashboard
-   AI Copilot
-   API
-   Approval Process Control
-   Audit Trail
-   Automated Receipt Matching
-   Billable & Non-Billable Hours
-   Budgeting/Forecasting
-   Categorization/Grouping
-   Compliance Management
-   Corporate Card
-   Credit Card Management
-   Customizable Fields
-   Customizable Templates
-   Data Import/Export
-   Duplicate Detection
-   Electronic Payments
-   Expense Claims
-   Expense Tracking
-   Financial Analysis
-   Generative AI
-   Invoice Management
-   Mileage Tracking
-   Mobile Access
-   Mobile Receipt Upload
-   Multi-Currency
-   Optical Character Recognition
-   Policy Management
-   Real-Time Notifications
-   Real-Time Updates
-   Receipt Management
-   Reimbursement Management
-   Reminders
-   Reporting & Statistics
-   Secure Data Storage
-   Single Sign On
-   Spend Control
-   Third-Party Integrations
-   Timesheet Management
-   Workflow Management

[See all features](https://www.capterra.com/p/120109/Xero/#features)

### Recognition

SAP Concur is recognized as a top-rated tool in 5 Capterra Shortlist reports

Xero is recognized as a top-rated tool in 1 Capterra Shortlist reports

### Deployment & support

SAP Concur

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   Mobile Android
-   Mobile iPhone
-   Mobile iPad

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

Xero

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   Mobile Android
-   Mobile iPhone
-   Mobile iPad

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

### Company Details

SAP Concur

-   By SAP
-   Located in Germany
-   Founded in 1999

Xero

-   By Xero
-   Located in New Zealand
-   Founded in 2006

## Popular Comparisons

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4.3

Features

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4.4

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[SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,247)](https://www.capterra.com/p/380/Concur-Expense/reviews/)

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$5/month

4.2

Features

4.4

4.1

Ease of Use

4.5

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[Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,290)](https://www.capterra.com/p/120109/Xero/reviews/)

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4.2

4.4

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4.0

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4.2

Features

4.5

4.1

Ease of Use

4.6

[View full comparison](https://www.capterra.com/compare/380-142384/Concur-Expense-vs-Zoho-Expense)

[Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,290)](https://www.capterra.com/p/120109/Xero/reviews/)

vs

[QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/)[4.37 (2,558)](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/reviews/)

$25/month

Price

$1922/year

4.3

Features

4.3

4.4

Ease of Use

4.3

[View full comparison](https://www.capterra.com/compare/120109-212058/Xero-vs-QuickBooks-Desktop-Pro)

[SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,247)](https://www.capterra.com/p/380/Concur-Expense/reviews/)

vs

[QuickBooks Online Advanced](https://www.capterra.com/p/189398/QuickBooks-Online/)[4.43 (1,041)](https://www.capterra.com/p/189398/QuickBooks-Online/reviews/)

$7/month

Price

$235/month

4.2

Features

4.4

4.1

Ease of Use

4.4

[View full comparison](https://www.capterra.com/compare/380-189398/Concur-Expense-vs-QuickBooks-Online)

[Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,290)](https://www.capterra.com/p/120109/Xero/reviews/)

vs

[Sage Intacct](https://www.capterra.com/p/76/Intacct/)[4.29 (684)](https://www.capterra.com/p/76/Intacct/reviews/)

$25/month

Price

Contact vendor for pricing

4.3

Features

4.2

4.4

Ease of Use

4.2

[View full comparison](https://www.capterra.com/compare/76-120109/Intacct-vs-Xero)

[SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,247)](https://www.capterra.com/p/380/Concur-Expense/reviews/)

vs

[Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,720)](https://www.capterra.com/p/178021/Wave-Apps/reviews/)

$7/month

Price

$19/month

4.2

Features

4.2

4.1

Ease of Use

4.4

[View full comparison](https://www.capterra.com/compare/380-178021/Concur-Expense-vs-Wave-Apps)

[Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,290)](https://www.capterra.com/p/120109/Xero/reviews/)

vs

[QuickBooks Online Advanced](https://www.capterra.com/p/189398/QuickBooks-Online/)[4.43 (1,041)](https://www.capterra.com/p/189398/QuickBooks-Online/reviews/)

$25/month

Price

$235/month

4.3

Features

4.4

4.4

Ease of Use

4.4

[View full comparison](https://www.capterra.com/compare/120109-189398/Xero-vs-QuickBooks-Online)