# 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 May 5th, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/) Your comparison: MelioSAP Concur2/4 selected [Melio](https://www.capterra.com/p/184673/Melio/)[4.2 (402)](https://www.capterra.com/p/184673/Melio/reviews/) [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.3 (2,249)](https://www.capterra.com/p/380/Concur-Expense/reviews/) [## Melio](https://www.capterra.com/p/184673/Melio/)[4.2 (402)](https://www.capterra.com/p/184673/Melio/reviews/) Starting Price $25.00/month Value-for-Money 4.3 Functionality 4.1 Ease of Use 4.4 Customer Service 4 Reviews Sentiment Based on [402 reviews](#user-reviews) Positive 332 Neutral 9 Negative 61 [## SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.3 (2,249)](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 [2,249 reviews](#user-reviews) Positive 1,931 Neutral 220 Negative 98 ## 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. ## Summary * * * Key features rated by users Features selected based on 5,590 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[402](https://www.capterra.com/p/184673/Melio/reviews/) Ease of use 4.4 Functionality 4.1 Value for money 4.3 Customer support 4.0 User satisfaction 4.3 User reviews[2,249](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 $7Usage Based, Per Month - 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) 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) 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 incomplete!)..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6586381) 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 love..." [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 declined..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___5016348) 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 > "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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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 any..." [See full review](https://www.capterra.com/p/184673/Melio/#GetApp___4827760) 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 > "Security flaws are huge." [See full review](https://www.capterra.com/p/184673/Melio/#SoftwareAdvice___6408617) 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) 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 flagged..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229258) 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) 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) 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) 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) 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) 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 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) 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 > "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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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 payments...." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4774982) 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) 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 > "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) 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 > "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) 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) 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 to..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4358275) 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 you..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775466) 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) 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) 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 I..." [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) 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) 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) 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) LM Lisa M. Administrator > "I think with some work on the accounts receivable side this program will be even better." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4927641) CH Chris H. Founder > "One issue I ran into with independent contractors:When dealing with many vendors you are paying, the main name to search for is the "company name"." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4169225) BM Brandon M. Owner > "Great experience overall, great support and pricing." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6776314) CH Chris H. Founder > "Individuals working as independent contractors sometimes don't understand and put in funny names as company name. If it's the vendor who set it up like..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4169225) 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) CR Christine R. Owner > "My payment was scheduled for a date and time, payment never sent, multiple emails never have been answered. " [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___3713303) BA Bianca A. Accounting > "Melio offers an easy to use user interface." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6367683) PK Paige K. CEO > "It overall wasn't the most cost effective option for our company and other options allowed for more tailored options for our needs." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4225057) SP Sonny P. Owner > "The integration with QBO brings efficiencies that allows me to offer better A/P services to clients." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229430) MR Markos R. Business Delvelopment Manager > "Customer service does not seem to provide accurate information as it pertains to when vendors payment will be deposited. " [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___3832555) BW Ben W. Manager > "The drag & drop invoice functionality works great 99% of the time, and they make it super easy to set up recurring payments as well." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4168757) SP Sonny P. Owner > "Trying to print to the payment activity to pdf from the web browser never works." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229430) 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) AM Allie M. Owner > "I use this service solely because my accountant uses it to send bills my way, and as a result I am on the receiving end of intrusive sales-targeted..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___3440097) JD Jamie D. Accountant > "I love how it gives you options, you pay the fee or your customer does, they make the call on how they want to be paid via check or ACH." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229716) AB Amanda B. Executive Assistant > "Melio cannot make payments to Guyana, which is unfortunate as our organization has vendors in that country." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4169273) 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) KM Katherine M. Office Manager > "I don't like the new feature of how invoices are listed in the inbox." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4168638) [View Reviews](https://www.capterra.com/p/184673/Melio/reviews/) 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) 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) 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) 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..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7062934) 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) 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) 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) 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 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) 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) 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..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6425793) 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) 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 President > "Ease of expense reporting, uploading receipts, approving multiple expense reports and the warning system for errors." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7126371) AR Arti R. Software engineer > "SAP Concur can feel clunky and outdated, especially the interface." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7138961) AR Anitha R. Senior Technical Specialist > "This helps prevent many errors and ensures better compliance, which is essential in the financial sector." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7092917) 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) UC Urgan C. Associate > "You can automate approval workflows and integrate with corporate policies ensures that expenses are processed quickly, while maintaining compliance..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6504628) 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) 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) 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) 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) 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) MC Michael C. Sr. Director Professional Services > "The softwares ability to sync with Credit Card providers and receipt tracking has made business travelers expense report creation and submittal much..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6589892) VR Verified Reviewer 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) 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) 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) 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) 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) 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) 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) 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) 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) Margaret R. Professor > "My University and the bureaucracy of SAP Concur acts like my time is free, when ultimately they are stealing from themselves and not using my time..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#GetApp___6603849) HL Hunter L. Executive Assistant > "As an executive assistant for 6 professionals that traveled to client sites often, SAP Concur was a lifesaver for travel booking." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7076207) EV Emily V. EA > "The customer support is not the best. If one is calling the phone line sometimes it can wait up to 20 minutes for an agent." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6507293) AS Adeniran S. Associate Traveling Secretary > "SAP Concur enables me to save time by automating complex accounting processes mainly invoicing and inventory control." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6597728) Margaret R. Professor > "I have a grant and should not be doing support staff work like this -- having faculty deal with the clunky system and people who refuse to help us..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#GetApp___6603849) NN Nabil N. IT Manager > "Approval workflows are easy to configure and the integration with our finance processes reduced a lot of back and forth." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7130343) 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) 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) 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) 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) 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) 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) 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) 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) 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) Jim C. Lead application support analyst > "Some steps are not very intuitive." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7053350) DH Daniel H. Power Platform Developer > "Easy receipt upload, automated expense reports, seamless travel booking. Once this is all set up it makes everything so much more manageable" [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6821671) ZH Zachary H. EHS Manager > "This last update changed things up a bit and threw me for a loop finding everything again, but that usually happens when things update." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6786179) JA Jackline A. Customer Relationship Manager > "SAP Concur automates repetitive accounting procedures that help save time and reduce financial errors." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7007829) VR Verified Reviewer Data Analyst > "Automations don’t always work seamlessly across every system integration" [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7012979) CR Clinton R. Fleet Manager > "The app makes it even better allowing easier access and not having to open up your laptop or desktop to complete your expenses." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6819332) SR Shannon R. CFO > "Couldn’t tell you if the system itself is any good or not because we have been working on the integration since April of 2024 (today is Jan 1 2025)..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#SoftwareAdvice___6642951) MC Michael C. Sr. Director Professional Services > "From going back years to when users were taping receipts to paper and uploading, to having the ability easily attach receipts via your mobile devise..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6589892) CR Clinton R. Fleet Manager > "When traveling, it doesn't recognize hotel taxes." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6819332) 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) 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) 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) 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) 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) 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) 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) 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) 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 > "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) 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) 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) 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) [View Reviews](https://www.capterra.com/p/380/Concur-Expense/reviews/) ## User interface 4.22 (402) 4.30 (2,249) ## 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 Melio is recognized as a top-rated tool in 5 Capterra Shortlist reports SAP Concur is recognized as a top-rated tool in 5 Capterra Shortlist reports ### 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/)[4.22 (402)](https://www.capterra.com/p/184673/Melio/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,447)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) $25/month Price $38/month 4.1 Features 4.3 4.4 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 (2,249)](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) [Melio](https://www.capterra.com/p/184673/Melio/)[4.22 (402)](https://www.capterra.com/p/184673/Melio/reviews/) vs [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,292)](https://www.capterra.com/p/120109/Xero/reviews/) $25/month Price $25/month 4.1 Features 4.3 4.4 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 (2,249)](https://www.capterra.com/p/380/Concur-Expense/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,447)](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) [Melio](https://www.capterra.com/p/184673/Melio/)[4.22 (402)](https://www.capterra.com/p/184673/Melio/reviews/) vs [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,639)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/) $25/month Price $2210/year 4.1 Features 4.4 4.4 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 (2,249)](https://www.capterra.com/p/380/Concur-Expense/reviews/) vs [Expensify](https://www.capterra.com/p/97594/Expensify/)[4.51 (1,331)](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) [Melio](https://www.capterra.com/p/184673/Melio/)[4.22 (402)](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 4.4 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 (2,249)](https://www.capterra.com/p/380/Concur-Expense/reviews/) vs [Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/)[4.62 (1,201)](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) [Melio](https://www.capterra.com/p/184673/Melio/)[4.22 (402)](https://www.capterra.com/p/184673/Melio/reviews/) vs [QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/)[4.37 (2,559)](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/reviews/) $25/month Price $1922/year 4.1 Features 4.3 4.4 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/184673-212058/Melio-vs-QuickBooks-Desktop-Pro) [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,249)](https://www.capterra.com/p/380/Concur-Expense/reviews/) vs [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,292)](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) [Melio](https://www.capterra.com/p/184673/Melio/)[4.22 (402)](https://www.capterra.com/p/184673/Melio/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,041)](https://www.capterra.com/p/135757/NetSuite/reviews/) $25/month Price Contact vendor for pricing 4.1 Features 4.2 4.4 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 (2,249)](https://www.capterra.com/p/380/Concur-Expense/reviews/) vs [QuickBooks Online Advanced](https://www.capterra.com/p/189398/QuickBooks-Online/)[4.44 (1,043)](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)