# Compare SAP Concur vs Wave 2026 | Capterra > Unsure of what to choose? Check Capterra to compare SAP Concur and Wave based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/380-178021/Concur-Expense-vs-Wave-Apps --- # SAP Concur vs Wave Features and Cost Comparison Last updated July 11th, 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 ConcurWave2/4 selected [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.3 (2,257)](https://www.capterra.com/p/380/Concur-Expense/reviews/) [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.4 (1,726)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) [## SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.3 (2,257)](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 [2,257 reviews](#user-reviews) Positive 1,939 Neutral 220 Negative 98 [## Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.4 (1,726)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) Starting Price $19.00/month Value-for-Money 4.6 Functionality 4.2 Ease of Use 4.5 Customer Service 4 Reviews Sentiment Based on [1,726 reviews](#user-reviews) Positive 1,508 Neutral 107 Negative 111 ## Send this comparison chart to my inbox ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. What’s your intended use case? ## Summary * * * Key features rated by users Features selected based on 8,373 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 62%Fit Missing features Feature ratings Expense Tracking 4.4 Receipt Management 4.5 Expense Claims NA Invoice Management 4.6 Timesheet Management NA User satisfaction User satisfaction 4.3 User reviews[2,257](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[1,726](https://www.capterra.com/p/178021/Wave-Apps/reviews/) Ease of use 4.5 Functionality 4.2 Value for money 4.6 Customer support 4.0 Price starts from Price starts from $7Usage Based, Per Month - Free version - Free trial Price starts from $19Flat 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 Wave helps small business owners, freelancers, solopreneurs, and consultants in the US and Canada manage accounting, payroll, invoicing, estimating and other processes. ## User reviews Pros & cons BB Brendan B. Operations Lead > "My main expenses revolve around engagement lunches and it allows me to connect delivery apps directly to Concur for quick access to receipts." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7162855) 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..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7078983) Jeremy H. Dispatch Coordinator > "Can be overwhelming over time with how many transactions interact with each other when you are needing to change something" [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7149761) 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..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7076207) RP Ryan P. Finance Operations Manager > "Also, the initial setup for custom expense policies felt a bit fiddly to get just right." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7176471) 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..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7046672) 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..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6425793) RP Ryan P. Finance Operations Manager > "Being able to snap a picture of receipts and attach them directly makes tracking what we've spent much easier for the team." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7176471) 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 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) Blake A. IT Technician > "Support documentation exists but finding answers to specific questions usually takes longer than it should." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7157795) 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) 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) 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) Jacquelyn V. Community Resource Coordinator II > "Also, the travel booking experience is sometimes slower than consumer travel sites." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7147336) 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) BB Bonnie B. Digital Systems Manager > "The UI is not as streamlined as cc expenses are." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7173957) RP Ryan P. Finance Operations Manager > "It's a robust tool that has become indispensable for managing our business travel and personal travel expenses." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7176471) 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..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7062934) 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..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6504628) 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..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6628432) 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..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7062934) 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..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6821171) 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..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6797157) 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..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6589892) David K. Territory Manager > "There are many problems matching up receipts with expenses." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7154565) 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) 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) 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) 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) 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) David K. Territory Manager > "Not being able to talk with someone to help solve use problems." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7154565) MB Matt B. Senior Software Engineer at JEOL USA > "It’s handy for keeping all expenses in one place and automating some tasks, which saves me time often." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7178421) 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) Jacquelyn V. Community Resource Coordinator II > "Customer support was helpful when needed, and the mobile app made managing expenses during travel much more convenient." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7147336) 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..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6628432) 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) BB Brendan B. Operations Lead > "Sometimes receipts can be tricky to upload manually." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7162855) VR Verified Reviewer Admin > "SAP Concur makes managing expenses, travel, and reimbursements much easier and more organized." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7147540) 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..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6808645) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6425287) 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) 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) 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) 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) 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..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6589892) 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) 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..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6821171) 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) Jacquelyn V. Community Resource Coordinator II > "It also delivers good value for money by reducing manual work and improving compliance." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7147336) 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..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#SoftwareAdvice___6642951) 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) Mark M. Global Finance Shared Services Manager > "Importing invoices either via app or scans is very simple and easy to use. " [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7156873) 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) 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) 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) 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) 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 > "Very easy to create a business travel expense for approval and dedicated emails are sent at every stage of approval process which ensures no..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6576013) 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) [View Reviews](https://www.capterra.com/p/380/Concur-Expense/reviews/) Amber M. Owner > "The option to create recurring invoices has been amazing, as well as the reports I can pull at the end of each year." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7117842) KW Kristyne W. Travel Advisor > "I tried to set up a way to send invoices and receive payments through Wave, but even after I was approved, they removed my access due to a..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7100967) Ron W. Property Management, Development and Investment > "Love the free version but it’s super basic and limited but upgrading to paid version is very expensive when using it for more than 1 business..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7057865) EK Emir K. Principal > "My customer paid through Wave by ACH/bank payment, and the funds were withdrawn from the customer, but Wave did not release the payment to my..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7175388) PM Pauline M. Owner - Manager > "The automation with sync banking and categorizing expenses and income is vey useful for identifying balancing books keeping your tasks on track." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6863968) VR Verified Reviewer Engineer > "Payment processing fees are a bit high, and customer support is limited if you don't pay for a plan." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7076148) CV Criselen V. Owner > "It lets me save customer info and items with their price so that I can easily add it when making a new invoice." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6886239) ML Melissa L. Admin siding installer > "A major pain point for users is the lack of robust, live customer support for free users, who are generally limited to an online help center and..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7032951) CB Craig B. Owner > "Uptime and use are great - I have a few low volume clients and non-profits that cannot afford the other packages - now they are charging for..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7146548) NB Nick B. President > "Excellent for almost two years until doing my taxes this year and lost the ability to export transactions without upgrading my plan." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7088399) JM Jolly M. Data Associate > "Wave has the visibility and control needed across accounts payable, global payments, procurement and employee expenses to run business more..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6602890) KS Kathryn S. Coach and Consultant > "Wave's integration with my bank has not always worked effectively, and that has caused some problems." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7102433) KC Kimberly C. Administrative Consultant > "I did like that there is a free option available. If you are just starting out as a new business owner and want to get your bookkeeping and..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7070138) BT Brianna T. Editor > "They messed up our tax reporting and left us with outstanding taxes due." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7163455) DO Donald O. Executive Technical Director > "Wave has robust features that enables me to eradicate manual processes during data entry in various aspects such as bank reconciliation, AP and..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6390842) EK Emir K. Principal > "I would never use Wave again under any circumstances, and I strongly recommend that other businesses look for other invoicing and payment..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7175388) MHE Michael Herbert E. Furniture Salesperson > "It is like a piece of cake, the creation of invoices is very fast and the bank sync functionality works well to connect automatically from my..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6728053) ZD Zeah D. CPA, Owner > "The transaction screen and recording process with it listing everything in the main screen, is sometimes hard to track, especially if all the..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6626409) PS Perry S. Property Manager > "I'm able to use their free tier to reconcile my accounts, automatically import transactions, send professional invoices, and produce financial..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6562834) HM Heather M. Therapist > "Their AI tool is alright but makes mistakes. When you use their native Checkouts tool for collecting payments, they are categorized in a way..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6467656) FCY Fu-Chieh Y. Email Developer > "I particularly appreciate the extensive customization options available for documents like invoices, allowing them to appear both professional..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6592682) EK Emir K. Principal > "Based on my experience, I would not recommend Wave Payments to any business that depends on timely access to customer payments." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7175388) CB Craig B. Owner > "Accounting software is free - great for small (micro) businesses just starting out or that only have low volume of transactions." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7146548) AG Ana G. CEO > "It can become cumbersome to manage service inventory, having to create new 'products' for each custom service to then sift through." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6665440) SA Suman A. Owner,Bookkeeper,TAxPreparer > "Reliable and cost-effective for invoicing, expense tracking, and bank reconciliation." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7161951) NC Nilsa C. Music Therapist, Owner > "This slows me down when I'm invoicing or reconciling accounts." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7155987) JC Josh C. Co-Owner > "The invoices and auto invoices work quite well and look nice and it is easy for my customers to pay." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7130051) BT Brianna T. Editor > "Wave underwent a merger/acquisition over the summer in 2025 that completely ruined their operations." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7163455) NC Nilsa C. Music Therapist, Owner > "What I like most about wave is how it's helped me organize my sole-proprietor finances without costing me anything." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7155987) Ron W. Property Management, Development and Investment > "Lack of connectivity ability to import Banks & Credit Cards transctions" [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7057865) WEU William E U. Owner > "I have generally had no issues with the program and when I did have one (the only one), the company support was able to resolve the issue for me..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7086796) PS Perry S. Property Manager > "Second, I've encountered a rounding error within bills that has resulted in my Accounts Payable account being a few cents off even after all..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6562834) AC Aaron C. Founder and CEO > "It's easy to navigate and makes the quoting, invoicing, and payment processes very streamlined -- while accepting payments from all major credit..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7030509) Tim O. Partner > "Wave went silent for weeks, only resolve was to email the company and those went unanswered. " [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7108329) AG Alessandro G. Owner, Operator > "Great for bookkeeping, invoicing, credit card payments, and payroll (before the change)." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6862751) Ron W. Property Management, Development and Investment > "Poor Value for the money with paid version because each account requires additional pay subscription" [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7057865) TW Tracey W. Bookkeeper > "I do bookkeeping services and this product works well with categorizing income and expenses to generate financials." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6666390) HM Heather M. Therapist > "The process for automatically categorizing payments and income doesn't work as smoothly as it could." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6467656) JL Joseph L. Principal > "Excellent in every way as I have used it for now 3 tax years without complaint from either myself or my accountant who works with what I send..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7140679) NB Nick B. President > "I wouldn’t recommend Wave anymore unless you’re prepared to pay just to retrieve your own data." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7088399) SJ Sarah J. Office Manager > "I also love that you can individual turn on/off payments for each invoice and estimate." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7026186) CP C P. President > "Ended up moving to another service because of poor support." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7121842) BT Brianna T. Editor > "Wave was a fine and affordable accounting and payroll service that was user-friendly and easy to navigate." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7163455) PS Perry S. Property Manager > "Finally, most accountants and bookkeepers use QuickBooks and aren't familiar with Wave, so I don't recommend Wave for anyone with an outsourced..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6562834) EO Elvis O. Audit Associate > "The software is also easy to navigate, making accounting tasks like invoicing, tracking expenses, and managing payments relatively simple." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6599331) AR Alec R. Owner > "Spent hundreds of $$ for multiple calls with a help pro who did the work and had me watch but never actually taught me how to do it myself. And..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6634637) VR Verified Reviewer Engineer > "It is a simple, reliable way to track my income." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7076148) MC Marie C. Executive Director > "Their Payments by Wave function does not always match the payment to the deposit properly." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6739424) WL Whitney L. Business Owner > "I like the simplicity of the app and the ability to keep track of finances as well as accept ACH payments." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6574695) MM Monica M. owner > "They processed my payroll for my employees and then declined it after taking out the money, and then proceeded to tell me the accounting people..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#SoftwareAdvice___4958000) Nathan H. Treasurer > "Wave is a very cheap way for solo entrepreneurs." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7123716) SC Sean C. Marketer > "Some things are just weird, like when they hold the funds or do a review without explanation." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7042580) CP C P. President > "The invoicing and payment acceptance is good." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7121842) AG Aaron G. Owner > "However towards the end of 2024 the customer support has disappeared - no response on the live chat and no response via email." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6691975) KS Kathryn S. Coach and Consultant > "I'm not a professional bookkeeper, and I felt way more confident using Wave than I did using Quickbooks." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7102433) Amanda J. Owner > "In the recent past, I've had issue with them processing tax payments on time, and their support has significantly decreased from the past." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6782379) NB Nick B. President > "Great value which helped manage based transactions." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7088399) ZM Zina M. Owner > "As a result of that, they severely limited the features I could use on their product, which left me stranded and search of a new provider..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6169573) SD Sienna D. Massage Therapist > "It worked well for me for the couple years that I used it, but once they started charging for things I originally had access to, I decided to..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6688373) TW Theresa W. CEO > "You can't convert a percentage of an estimate to an invoice (industry norm)." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#SoftwareAdvice___6387466) SK Sheila K. Admin > "What I liked about wave the most would be the pricing, it seemed I could easily figure things out." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7154231) JB Jennifer B. Mobile Notary > "Lack of integrations, lack of customization options. " [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6378492) PH Paul H. Owner, Electrician > "It's very easily customizable with your logo and information, and the invoices look sharp, clean & professional, with multiple options to send..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___5064893) AR Austin R. director > "They lied and mislead people into believing their products work across all banks and they don't." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6786484) HW Hasini W. Software Engineer > "The real-time financial snapshots and automated processes save our time a lot." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6401796) JM Jolly M. Data Associate > "It is also disappointing that some banks are not fully implementable on the software." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6602890) Amber M. Owner > "The customer support has always been helpful when I've needed it." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7117842) AF Alice F. Property Maintenance > "Unfortunately we only use this app for invoicing and not expenses due to the fact that scanning receipts is not yet available in the UK." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___5039189) Amber M. Owner > "It's super affordable and easy to implement, which was a great starting point when I launched my business!" [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7117842) EK Emir K. Principal > "This is unacceptable for a small business." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7175388) DM Dlkhosh M. CEO > "Has Unlimited invoicing with customizable templates and payment terms and dedicated invoicing mobile app." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6131062) BM Brie M. Operations Director > "Not robust enough for complex accounting situations" [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6624225) SK Sheila K. Admin > "The free tools that wave offers is also a very good Plus." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7154231) JO John O. Finance Officer > "I do not experience challenges with Wave when running accounting projects." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6670711) JM Jenna M. Operations > "Easy to use and pretty conperhensive for invoicing and tracking." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7113566) KC Kelsey C. Accountant > "That there is no customer service phone number to talk to someone." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6724007) VR Verified Reviewer Engineer > "The accounting features are totally free and very easy to use." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7076148) NM Noureddine M. Logistic manager > "for the option pay roll it's not available in Quebec" [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6614845) AG Aaron G. Owner > "I have been using Wave since 2021 for multiple businesses, and I used to be a strong advocate for the software when talking to other small..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6691975) AG Alessandro G. Owner, Operator > "Employees have not gotten paid in 6 weeks." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6862751) [View Reviews](https://www.capterra.com/p/178021/Wave-Apps/reviews/) ## User interface 4.30 (2,257) [Wave](https://www.capterra.com/p/178021/Wave-Apps/) 4.38 (1,726) ## 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) Wave 17/42 - 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/178021/Wave-Apps/#features) ### Recognition SAP Concur is recognized as a top-rated tool in 5 Capterra Shortlist reports Wave is recognized as a top-rated tool in 5 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 Wave 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 Wave - By Wave - Located in Canada - Founded in 2009 ## Popular Comparisons [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,257)](https://www.capterra.com/p/380/Concur-Expense/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,475)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) $7/month Price $38/month 4.2 Features 4.3 4.1 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/380-190778/Concur-Expense-vs-QuickBooks-Online) [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,726)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,475)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) $19/month Price $38/month 4.2 Features 4.3 4.5 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/178021-190778/Wave-Apps-vs-QuickBooks-Online) [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,257)](https://www.capterra.com/p/380/Concur-Expense/reviews/) vs [Expensify](https://www.capterra.com/p/97594/Expensify/)[4.50 (1,343)](https://www.capterra.com/p/97594/Expensify/reviews/) $7/month Price $5/month 4.2 Features 4.4 4.1 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/380-97594/Concur-Expense-vs-Expensify) [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,726)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) vs [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,504)](https://www.capterra.com/p/207944/PayPal/reviews/) $19/month Price $0.29 4.2 Features 4.6 4.5 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/178021-207944/Wave-Apps-vs-PayPal) [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,257)](https://www.capterra.com/p/380/Concur-Expense/reviews/) vs [webexpenses](https://www.capterra.com/p/140646/webexpenses/)[4.52 (1,105)](https://www.capterra.com/p/140646/webexpenses/reviews/) $7/month Price Contact vendor for pricing 4.2 Features 4.4 4.1 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/380-140646/Concur-Expense-vs-webexpenses) [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,726)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) vs [Abby](https://www.capterra.com/p/268623/Abby/)[4.75 (604)](https://www.capterra.com/p/268623/Abby/reviews/) $19/month Price €0.01/month 4.2 Features 4.6 4.5 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/178021-268623/Wave-Apps-vs-Abby) [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,257)](https://www.capterra.com/p/380/Concur-Expense/reviews/) vs [Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/)[4.62 (1,215)](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) $7/month Price $3/month 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) [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,726)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) vs [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,659)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/) $19/month Price $2210/year 4.2 Features 4.4 4.5 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/174984-178021/QuickBooks-Enterprise-vs-Wave-Apps) [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,257)](https://www.capterra.com/p/380/Concur-Expense/reviews/) vs [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) $7/month Price $25/month 4.2 Features 4.3 4.1 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/380-120109/Concur-Expense-vs-Xero) [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,726)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) vs [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,307)](https://www.capterra.com/p/120109/Xero/reviews/) $19/month Price $25/month 4.2 Features 4.3 4.5 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/120109-178021/Xero-vs-Wave-Apps) [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,257)](https://www.capterra.com/p/380/Concur-Expense/reviews/) vs [QuickBooks Online Advanced](https://www.capterra.com/p/189398/QuickBooks-Online/)[4.44 (1,045)](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) [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,726)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,052)](https://www.capterra.com/p/135757/NetSuite/reviews/) $19/month Price Contact vendor for pricing 4.2 Features 4.2 4.5 Ease of Use 4.0 [View full comparison](https://www.capterra.com/compare/135757-178021/NetSuite-vs-Wave-Apps)