# Compare SAP Concur vs Melio 2026 | Capterra > Unsure of what to choose? Check Capterra to compare Melio and SAP Concur based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/380-184673/Concur-Expense-vs-Melio --- # Melio vs SAP Concur Features and Cost Comparison Last updated March 13th, 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: MelioSAP Concur2/4 selected [Melio](https://www.capterra.com/p/184673/Melio/)[4.2 (401)](https://www.capterra.com/p/184673/Melio/reviews/) [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.3 (2,238)](https://www.capterra.com/p/380/Concur-Expense/reviews/) [## Melio](https://www.capterra.com/p/184673/Melio/)[4.2 (401)](https://www.capterra.com/p/184673/Melio/reviews/) Starting Price $25.00/month Value-for-Money 4.3 Functionality 4.1 Ease of Use 4.3 Customer Service 4 Reviews Sentiment Based on [401 reviews](#user-reviews) Positive 331 Neutral 9 Negative 61 [## SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.3 (2,238)](https://www.capterra.com/p/380/Concur-Expense/reviews/) Starting Price Contact vendor Value-for-Money 4.1 Functionality 4.2 Ease of Use 4.1 Customer Service 4.1 Reviews Sentiment Based on [2,238 reviews](#user-reviews) Positive 1,921 Neutral 220 Negative 97 ## Summary * * * Key features rated by users Features selected based on 5,444 reviews from accounts payable 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 70%Fit Not enough reviews Feature ratings Accounting 4.0 Financial Management \-- Bank Reconciliation 4.4 Invoice Processing 4.4 Billing & Invoicing 4.4 72%Fit Not enough reviews Feature ratings Accounting 4.7 Financial Management \-- Bank Reconciliation 4.4 Invoice Processing 4.7 Billing & Invoicing 4.4 User satisfaction User satisfaction 4.2 User reviews[401](https://www.capterra.com/p/184673/Melio/reviews/) Ease of use 4.3 Functionality 4.1 Value for money 4.3 Customer support 4.0 User satisfaction 4.3 User reviews[2,238](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 Price starts from Price starts from $25Per User, Per Month - Free version - Free trial Price starts from \-- - Free version - Free trial Best for Best for Caters to business owners and finance teams in the US to streamline AP and AR and improve cash flow. Also, ideal for US accountants seeking an AP solution. 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. ## User reviews Pros & cons LC Lin C. CEO > "We primarily used it to bill vendors and receive ACH payments, and the QuickBooks integration made reconciliation easy and reliable." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7073679) BK Bridgette K. owner > "I have tried this software several times, and each time I receive a generic email saying the transfer cannot be processed after an internal review." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7042405) NN Nick N. Owner > "With Melio, I found it quite useful for managing international payments for suppliers and even combining several payments into a single payment." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7023884) JM Julie M. Owner > "oh, and towards the end it wouldn't save edits I made to vendor names, either, and then it would kick back payments because the vendor name was..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6586381) LC Lin C. CEO > "The interface is clean and intuitive, which made it simple to start billing vendors to receive ACH payments without much setup." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7073679) BM Brandon M. Owner > "My only issue is that card payments aren't sent on weekends." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6776314) GI Gabriel I. Founder > "One of my clients uses Melio as their payment gateway to their freelancers, so I can give the freelancer's point of view and it works amazingly well, I..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6761402) TT Toni T. Owner > "Payments that they used to allow to be expedited that have not changed in dollar amounts or vendors, or payment accounts, are all of a sudden being..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___5016348) CC Charles C. Director Marketing > "It improved the entire invoicing process by having an accurate order of payments sent and received." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6772703) JM Julie M. Owner > "I started encountering FAR more errors in the process, failed payments with no notice, failures in the interface..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6586381) LC Lin C. CEO > "Customer support was adequate when needed, and the platform generally felt stable with minimal bugs or issues." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7073679) BK Bridgette K. owner > "I wanted to love this software, but was unfortunately unable to truly experience its benefits." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7042405) NN Nick N. Owner > "The thing I liked about Melio is that it is free of subscription payments and free to register." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7023884) KW Kimb W. Owner > "There is a chance of card payments to result in significant fees if you use the service frequently" [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6743085) JR Julian R. Finance and foreign trade > "The data is stored on a secure platform that allows payment tracking for more security" [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6533634) KC Kyle C. CEO > "It's such an obvious avenue for fraud it's stunning and the lack of urgency on fixing it will likely drive me to use a competitor." [See full review](https://www.capterra.com/p/184673/Melio/#SoftwareAdvice___6408617) ER Erika R. Real estate investor > "Highly recommended for anyone who wants a simple, reliable, and efficient way to manage business payments." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7049231) RW Robert W. President > "Melio used to be the best thing, however they have started having issues with NOT submitting payments to vendors after scheduled and refuse to say why..." [See full review](https://www.capterra.com/p/184673/Melio/#SoftwareAdvice___3742582) EL Elizabeth L. professional accountant > "We have managed to make bill payment faster and easier with Melio, making payments to clients in a timely manner." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6603909) VR Verified Reviewer Office Manager - Bookkeeper > "We won't be using any paid methods of payment with Melio any longer because sadly they are at best dishonest in what they charge for and they don't see..." [See full review](https://www.capterra.com/p/184673/Melio/#GetApp___4827760) LC Lin C. CEO > "The learning curve was very low, and it provided good value for money for our needs." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7073679) KC Kyle C. CEO > "Security flaws are huge." [See full review](https://www.capterra.com/p/184673/Melio/#SoftwareAdvice___6408617) SS Saurabh S. Founder > "online payment platform that allows small businesses to pay bills and vendors using bank transfers or debit cards, making the process easy and efficient." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775148) SK Shawn K. Director > "We had some issues with some clients making payments where their bank declined to perform the transactions (not familiar with the services so they..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229258) PW Peter W. Vice President > "Its integration with other apps, such as QuickBooks and Xero, makes payment processing seamless and efficient, saving time and increasing productivity." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4774978) KC Kyle C. CEO > "You have to just hope you dont have a disgruntled employee or book-keeper?" [See full review](https://www.capterra.com/p/184673/Melio/#SoftwareAdvice___6408617) AC Ada C. CEO & Founder > "Melio makes invoice processing quick and efficient - I can upload an invoice and it'll automatically populate the information, or I can manually input an..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775466) VR Verified Reviewer Office Manager - Bookkeeper > "Even with the receipts they request they do not care even telling me that I should have read their policy article before using their service." [See full review](https://www.capterra.com/p/184673/Melio/#GetApp___4827760) SC Sachin C. Agritech > "The platform offers a range of payment options, including credit card payments for bills that don't typically accept them, and automated recurring..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4774982) DB DrJoy B. Owner > "I would like to have recurring billing to my clients for services and it's not supported at this time." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4776011) JM Julie M. Owner > "It started off as a pretty okay solution for needing to streamline payments to vendors all in one place. " [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6586381) KC Kyle C. CEO > "I'd stay away from Melio until this fixed." [See full review](https://www.capterra.com/p/184673/Melio/#SoftwareAdvice___6408617) AC Ada C. CEO & Founder > "The free ACH option is great for small businesses and it's super helpful that Melio tells you when the money will be debited and when it will arrive so..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775466) RD Rodrigo D. Publisher > "I didn't need to use its customer service yet, but I read it can be a bit hard when you need it." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4778598) KW Kimb W. Owner > "It's the most suitable for business accounting software integration that will make everything smooth and clear" [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6743085) Garrett B. Owner > "All I want to do is change my email address because the one on file doesn't work anymore." [See full review](https://www.capterra.com/p/184673/Melio/#GetApp___6186544) EL Elizabeth L. professional accountant > "It makes the whole process of paying bills easier and spending hours entering data." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6603909) KB Kathleen B. Founder, Virtual Assistant > "I've had this happen twice now, and it's put a serious strain on vendor relations and made us look like zeros instead of heroes." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152) CT Christie T. Owner, Lead Bookkeeper > "As a bookkeeper, it is important that Melio allows me to have my client approve their payments before they are processes, and the process is easy for the..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775125) JD Jamie D. Accountant > "The processing of checks also seems to take a really long time, sometimes I will get a bill in and go immediately to setup payment and it states the..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229716) AH Alton H. owner > "I was able to pay several vendors within minutes without headache or hassle." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6490526) MM Melissa M. President > "I'm finding that my vendor addresses don't carry over from QBO to Melio, so the first time I pay a vendor in Melio I have to type in the vendor address..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___3442313) CM Carisa M. Accounting Manager > "it has given us the ability to work in remote situations and process payments for clients no matter where we are." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775311) JM Julie M. Owner > "I found it very confusing and not a smooth process at all." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6586381) AC Ania C. Assistant Manager > "It has been a good experience and has relieved a lot the way credit card payments are processed." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6586245) JS Jeana S. Owner > "That it doesn’t integrate with QuickBooks Desktop and that it’s only B2B. Also wish it had a mobile app that you could snap pictures of bills fast..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___3441940) Ginger B. Court reporter > "This has been the only site that I have found that allows me to pay my contractors via credit card and float my expenses!" [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4716945) CT Christie T. Owner, Lead Bookkeeper > "I couple of times payments have not gone through, and the process of fixing that is slow" [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775125) EL Elizabeth L. professional accountant > "Now I only have to upload the bills and Melio does everything for me." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6603909) FH Flossie H. CEO > "Sometimes a payment will fail due to technical issues. But it has been rare." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4774938) Ryan M. Executive Administration > "It is nice being able to have rewards being built for credit card payments, less 1099's, and simple payment tracking" [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4715228) KB Kathleen B. Founder, Virtual Assistant > "It's been 24+ hours since we've contacted support and no one has said "boo" let alone an explanation for what thee payment failed." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152) LM Lisa M. Administrator > "Melio is nice to sync all information of A/P and A/R to keep better track of what is paying out and what is coming in." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4927641) KC Kathleen C. Owner > "Lots of companies I deal with do not accept credit cards." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4774955) VR Verified Reviewer Ceo > "I really am happy with my experience paying a vendor who only accepted a wire transfer with my credit card CS using my checking account." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4715218) HH Heidi H. owner > "It is glitchy when trying to add new clients and keeps old ghost bill data that isn't relevant even after it's been deleted." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4430808) BH Basim H. Managing Member > "One of its best features is that I am able to schedule vendor payments as invoices come in and later track and balance." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4430567) KB Kathleen B. Founder, Virtual Assistant > "However, the last two months have been a nightmare to deal with because of actions Melio took without communication or resolution." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152) RS Ryan S. Manager > "Overall, it keeps us from having to hand write checks, allows contractors to easily submit invoices, and helps us keep payments on auto draft." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4169056) KB Kathleen B. Founder, Virtual Assistant > "I've now had three instances of payments being stopped--critical payments I'd add." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152) BM Brandon M. Owner > "Great experience overall, great support and pricing." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6776314) SP Sandy P. accountant > "It takes a little bit longer than I would like to get the funds in my bank account after a customer has made the payment when they pay from their bank..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___3442432) LR Liz R. Owner > "It’s easy to use and all the functionalities you have to send payments is great!" [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6624505) KB Kathleen B. Founder, Virtual Assistant > "Worst of all, support does nothing but say it's the "payer's responsibility" to check information." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152) FH Flossie H. CEO > "I LOVE that I can pass the processing fees off to my customer, or allow them to utilize ACH." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4774938) LG Laura G. Office Manager, Bookkeeper > "Unbeknownst to me, logging into my account this way created a duplicate account under our company ID, and I soon was contacted by their Compliance team..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4358275) Andrei P. Data Scientist > "The best thing about Melio is that it has no subscription, so you can use it as long as you want, and your vendor don't need a Melio account to receive..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4341001) SM Saviour M. MANAGER > "The user interface is not very much easy to use, as i had found it a bit confusing when I started using melio back then." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6168073) MM MiKayla M. Accounting Specialist > "Melio has been super helpful in organizing our accounts payable system." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4715737) MC Marialuisa C. Owner > "It's pretty limited and it had an issue once that I canceled a scheduled recurring payment but it continued to send payment to a vendor for months before..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4236203) JD Jamie D. Accountant > "The ease of the app and ability of the integration with QBO is unprecedented and has seriously saved me hundreds of hours for each client that I handle..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229716) TW Tiffany W. Executive Assistant > "Delayed response time from melio at times." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775069) AC Ada C. CEO & Founder > "It also makes it easy to save payment details & information from vendors." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775466) IL Ivan L. Sales > "My clients reported constant calls from Melio at any time, which I think is something that no one should do if the person that uses the software doesn't..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4231067) JW Julieanne W. Systems expert > "Melio makes it easy to keep all of your bill payments in one place, know when each payment is due and take care of it automatically for you so that your..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4231548) KB Kathleen B. Founder, Virtual Assistant > "hours is not good enough for a payment processor." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152) CN Carmen N. Head of Corporate Affairs > "We have to process many payments per day and with Melio I was able to upload and pay our invoices timely and quickly" [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229360) KC Kari C. executive director > "I tried integrating with QuickBooks, but it didn't work right, maybe because it assumes accrual and not cash based accounting." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4169998) LH Lisa H. President > "It makes the accounts payable process super streamlined and smooth." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775966) VR Verified Reviewer CFO > "Support line - 1 hour waiting, not able to resolve issue, international payment option does not work - money held indefinitely" [See full review](https://www.capterra.com/p/184673/Melio/#GetApp___3766965) [View Reviews](https://www.capterra.com/p/184673/Melio/reviews/) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) UC Urgan C. Associate > "You can automate approval workflows and integrate with corporate policies ensures that expenses are processed quickly, while maintaining compliance with..." [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 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) FM Faisal M. Payroll > "Interface feels outdated and not always intuitive" [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7011458) 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) 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) 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) DL Dave L. Senior Consultant > "The user interface is complicated." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6797157) 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) 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) JI Joy I. Administrative Coordinator > "SAP Concur allows me to save time by managing expenses automatically which also eradicates fraud." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6665790) 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) KJ Katie J. Product Marketing > "Personally, I find the mobile version to be much more user friendly for submitting expense reports specifically." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6808009) 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) BH Brian H. Environmental Compliance Engineer > "The app is great to use while on the road as I can do everything including importing receipts." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7018783) Margaret R. Professor > "Confusing, waste of precious time, responses from support people look like they are AI generated." [See full review](https://www.capterra.com/p/380/Concur-Expense/#GetApp___6603849) Victoria H. HR Director > "Just easy to use outside of uploading receipts but I believe you can email them to the file as well not sure ." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7069673) TB Tom B. Electrical Inspector > "It’s common for the mobile receipt sensing to not recognize the vendor or location and has to be manually corrected." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6076843) [View Reviews](https://www.capterra.com/p/380/Concur-Expense/reviews/) ## User interface 4.21 (401) 4.30 (2,238) ## 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 1099 Preparation 207 Important Accounting 150 Important ACH Payment Processing 120 Important Melio 28/47 - 1099 Preparation - Accounting - ACH Payment Processing - Activity Dashboard - Aging Tracking - AI Copilot - Alerts/Notifications - Anomaly Detection - API - Approval Process Control - Audit Trail - Bank Reconciliation - Billing & Invoicing - Cash Management - Check Writing - Compliance Management - Customizable Reports - Data Import/Export - Document Management - Duplicate Payment Alert - Electronic Funds Transfer - Electronic Payments - ERP integration - Expense Tracking - Financial Analysis - Financial Management - Fraud Detection - General Ledger - Generative AI - Inventory Management - Invoice Management - Invoice Processing - Mobile Access - Multi-Currency - Online Banking - Process/Workflow Automation - Purchase Order Reconciliation - Real-Time Data - Receipt Management - Recurring Payments - Reporting/Analytics - Self Service Portal - Status Tracking - Supplier Management - Third-Party Integrations - Vendor Management - Workflow Management [See all features](https://www.capterra.com/p/184673/Melio/#features) SAP Concur Top features 35/47 - 1099 Preparation - Accounting - ACH Payment Processing - Activity Dashboard - Aging Tracking - AI Copilot - Alerts/Notifications - Anomaly Detection - API - Approval Process Control - Audit Trail - Bank Reconciliation - Billing & Invoicing - Cash Management - Check Writing - Compliance Management - Customizable Reports - Data Import/Export - Document Management - Duplicate Payment Alert - Electronic Funds Transfer - Electronic Payments - ERP integration - Expense Tracking - Financial Analysis - Financial Management - Fraud Detection - General Ledger - Generative AI - Inventory Management - Invoice Management - Invoice Processing - Mobile Access - Multi-Currency - Online Banking - Process/Workflow Automation - Purchase Order Reconciliation - Real-Time Data - Receipt Management - Recurring Payments - Reporting/Analytics - Self Service Portal - Status Tracking - Supplier Management - Third-Party Integrations - Vendor Management - Workflow Management [See all features](https://www.capterra.com/p/380/Concur-Expense/#features) ### Recognition No recognitions have been awarded to Melio No recognitions have been awarded to SAP Concur ### Deployment & support Melio 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 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 ### Company Details Melio - By Melio - Located in United States - Founded in 2018 SAP Concur - By SAP - Located in Germany - Founded in 1999 ## Popular Comparisons [Melio](https://www.capterra.com/p/184673/Melio/)[4.21 (401)](https://www.capterra.com/p/184673/Melio/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,385)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) $25/month Price $38/month 4.1 Features 4.3 4.3 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/184673-190778/Melio-vs-QuickBooks-Online) [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,238)](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/) Contact vendor for pricing 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) [Melio](https://www.capterra.com/p/184673/Melio/)[4.21 (401)](https://www.capterra.com/p/184673/Melio/reviews/) vs [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,269)](https://www.capterra.com/p/120109/Xero/reviews/) $25/month Price $25/month 4.1 Features 4.3 4.3 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/120109-184673/Xero-vs-Melio) [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,238)](https://www.capterra.com/p/380/Concur-Expense/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,385)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) Contact vendor for pricing 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) [Melio](https://www.capterra.com/p/184673/Melio/)[4.21 (401)](https://www.capterra.com/p/184673/Melio/reviews/) vs [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,610)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/) $25/month Price $2210/year 4.1 Features 4.4 4.3 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/174984-184673/QuickBooks-Enterprise-vs-Melio) [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,238)](https://www.capterra.com/p/380/Concur-Expense/reviews/) vs [Expensify](https://www.capterra.com/p/97594/Expensify/)[4.50 (1,309)](https://www.capterra.com/p/97594/Expensify/reviews/) Contact vendor for pricing 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) [Melio](https://www.capterra.com/p/184673/Melio/)[4.21 (401)](https://www.capterra.com/p/184673/Melio/reviews/) vs [Stampli](https://www.capterra.com/p/147301/Stampli/)[4.82 (463)](https://www.capterra.com/p/147301/Stampli/reviews/) $25/month Price Contact vendor for pricing 4.1 Features 4.7 4.3 Ease of Use 4.8 [View full comparison](https://www.capterra.com/compare/147301-184673/Stampli-vs-Melio) [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,238)](https://www.capterra.com/p/380/Concur-Expense/reviews/) vs [Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/)[4.62 (1,186)](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) Contact vendor for pricing 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) [Melio](https://www.capterra.com/p/184673/Melio/)[4.21 (401)](https://www.capterra.com/p/184673/Melio/reviews/) vs [QuickBooks 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for pricing 4.1 Features 4.2 4.3 Ease of Use 4.0 [View full comparison](https://www.capterra.com/compare/135757-184673/NetSuite-vs-Melio) [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,238)](https://www.capterra.com/p/380/Concur-Expense/reviews/) vs [QuickBooks Online Advanced](https://www.capterra.com/p/189398/QuickBooks-Online/)[4.43 (1,037)](https://www.capterra.com/p/189398/QuickBooks-Online/reviews/) Contact vendor for pricing 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)