Expense Management
SAP Concur Expense
EU-Made Report an error0–5 in half steps. 5 means the rubric's top anchor is met on the evidence.
by Concur (Germany) GmbH · www.concur.de
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SAP Concur Expense at a glance
- Vendor
- Concur (Germany) GmbH
- Headquarters
- Not stated on the vendor’s pages as of 28 Oct 2026
- Data hosting
- Not stated on the vendor’s pages as of 28 Oct 2026
- Free plan
- Not stated on the vendor’s pages as of 28 Oct 2026
- Panel verdict
- The AI panel rates SAP Concur Expense 3/5, the mean of 6 judges. SAP Concur Expense is the cloud expense-management platform of Concur (Germany) GmbH in Eschborn, part of the SAP group. how scores are made
- As of
- Vendor pages captured 28 Oct 2026; evaluated by the panel 29 Oct 2026. all sources
Read this page as one judge. Each weighs the same scores by what they care about.
The panel's verdict
SAP Concur Expense is the cloud expense-management platform of Concur (Germany) GmbH in Eschborn, part of the SAP group. It is strongest at receipt capture, scoring 7-8: photographs are read by OCR for amount, VAT and merchant, duplicates and anomalies are flagged before submission, card, email and travel-provider data flows in automatically, and GoBD-compliant capture with encrypted, revision-safe archiving is stated. Reimbursement and VAT is the most consistent criterion, at a flat 7 on fully automatic domestic and foreign per diems with centrally maintained statutory 2026 updates and meal deductions. Accounting export scores 6-7 on a direct DATEV connection, native SAP S/4HANA integration and over 300 prebuilt connectors. The weakest product areas are cards and spend control at 4-5, where only feeding and matching existing corporate cards is documented, and sovereignty at 3-4, where the privacy policy names Concur Technologies, Inc. of Bellevue, Washington as a controller beside the German and Dutch entities. Judges' scores clustered tightly, with no notable split; pricing transparency sits at 0-1, prices on request.
Speaks for it
- Receipt capture scores 7-8, with photo OCR reading amount, VAT and merchant and duplicate and real-time anomaly checks before submission.
- Domestic and foreign per diems are calculated fully automatically from travel data, with statutory 2026 updates and meal deductions maintained centrally by the vendor.
- A direct DATEV connection, native SAP S/4HANA integration, over 300 prebuilt connectors with SFTP and APIs, and a stated GoBD-compliant encrypted archive are documented.
- Corporate card transactions transfer automatically and are matched to receipts and travel bookings, with real-time spend visibility across the company.
- Country-specific policies are maintained and updated centrally, even when laws change at short notice.
Held against it
- Cards and spend control scores 4-5, and we found no public information on card schemes or issuing institutions, vendor-issued cards, per-card limits, budgets, virtual cards or receipt reminders.
- Sovereignty scores 3-4, and the privacy policy names Concur Technologies, Inc. of Bellevue, Washington as a controller alongside a German contracting entity and a Dutch one.
- The privacy policy describes hashed user IDs being passed to Twitter, LinkedIn, Facebook, Instagram and Google, and the listing records legal entity jurisdiction, ownership, data residency and subprocessor exposure as unknown.
- We found no public information on approval routing by amount, cost centre or project, on deputies and escalation, or on an exportable audit trail of who approved what.
- We found no public information on how reimbursement reaches the employee — a SEPA payment file or payroll handoff for taxable amounts — or on foreign VAT reclaim.
Best for
- You run German travel-expense compliance and want per diems, meal deductions and statutory 2026 rates maintained centrally rather than by your team.
- Your books sit in DATEV or SAP S/4HANA and you need certified, automated export into financial accounting.
- Your employees capture expenses on the road — photo capture with OCR, offline mode and GPS-based mileage are documented.
- You already issue corporate cards and mainly need their transactions auto-matched to receipts and travel bookings.
Avoid if
- You want the expense vendor itself to issue corporate cards with per-card limits and budgets — the documented capability is feeding cards you already hold.
- Your data-protection review cannot accommodate a US controller — the privacy policy names Concur Technologies, Inc. of Bellevue, Washington alongside the German and Dutch entities.
- You need published prices before engaging sales — the captured pages offer only "Preise anfragen" and a subscription described as flexible.
The scores
| Criterion | Panel median |
|---|---|
| Receipt capture & expense claims | 4 of 5 |
| Company cards & spend control | 2.5 of 5 |
| Approval workflows & expense policy | 3 of 5 |
| Reimbursement, travel allowances & VAT | 3.5 of 5 |
| Accounting handoff & DATEV | 3.5 of 5 |
| European sovereignty | 2 of 5 |
Receipt capture & expense claims
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How this is scored
How an expense gets into the system: a mobile app that photographs receipts, text recognition (OCR) that reads amount, date, merchant and VAT, receipts forwarded by email or pulled from suppliers, claims for out-of-pocket spending in any currency, mileage and trip entries, a substitute receipt (Eigenbeleg) when the original is lost, and duplicate detection.
0 — Not an expense capture tool; receipts and claims cannot be recorded in the product.
3 — Receipts uploaded as photos or files and attached to an expense by hand; text recognition, email capture or claims in other currencies are basic or not described.
5 — A mobile app that captures receipts with text recognition reading amount, date and merchant, receipts forwarded by email, expense claims for out-of-pocket spending submitted from the app, and foreign currencies converted.
8 — Extraction of VAT rates and amounts and line items, receipts collected automatically from email inboxes or named suppliers, duplicate and fraud checks on submission, a substitute receipt for lost originals, mileage with route calculation, and replacement scanning (ersetzendes Scannen) stated as GoBD-compliant so paper originals may be discarded.
10 — Capture without employee effort: e-receipts delivered directly by travel and merchant partners, extraction accuracy or review process published, a certified scanning procedure (for example an audit report to IDW PS 880 or a TÜV certificate) named, and every receipt traceable from capture to booking.
The Travelling Employee
Snap the receipt and the AI reads amount, VAT and merchant straight into a categorized expense, works offline on the plane and syncs later; travel supplier, online agency and card data flow in automatically and duplicates are caught before submission, with GPS mileage on top. I found no public information on a substitute receipt for lost originals, line-item extraction or a certified scanning procedure. 2 3 8
The Office Manager
Receipts are photographed on the phone and the OCR reads amount, VAT and merchant straight away, with card, email and travel-provider data flowing in automatically so nobody has to be reminded. Duplicate and real-time anomaly checks run on the reports, mileage is captured by GPS, and receipts can be photographed GoBD-compliant and archived encrypted and audit-proof. I found no public information on a substitute receipt for lost originals or a named certified scanning procedure. 2 3 8
The Controller
Mobile capture is well evidenced: the app photographs receipts with OCR reading amount, VAT and merchant, ExpenseIt turns photos into categorised entries, duplicate and anomaly checks run before costs arise, GPS mileage tracking is built in, and the vendor states capture and encrypted cloud archiving are GoBD-compliant with data flowing automatically from travel providers, online agencies and card companies. We found no public information on a substitute receipt for lost originals, a named certified scanning procedure, or published extraction accuracy, which holds it below the top level. 2 3 8
The Finance Lead
Mobile capture is well documented: photographs of receipts read amount, VAT and merchant, receipts are matched against corporate card transactions and email, reports are checked for duplicates and real-time anomalies, and kilometre tracking is GPS-based with GoBD-compliant photo capture. We found no public information on line-item extraction, a substitute receipt for lost originals, or a named replacement-scanning certification. 2 3 8
The Tax Adviser
Mobile capture by photo with OCR that reads amount, VAT and merchant, duplicate and anomaly checks before submission, automatic feeds from travel providers, online travel agencies and card companies, GPS-based mileage and GoBD-compliant photographing of receipts are all documented. We found no public information on a substitute receipt for lost originals, line-item extraction, or a certified replacement-scanning procedure, which is what I would need before advising a client to discard paper originals. 1 2 3 8
The Skeptic
The mobile app photographs receipts with OCR that recognizes amount, VAT and merchant, checks reports for errors and duplicates with real-time anomaly detection, and pulls data automatically from travel providers, online travel agencies and credit card companies; GPS mileage and GoBD-compliant capture with encrypted revision-safe archiving are stated. We found no public information on line-item extraction, a substitute receipt for lost originals, or a certified scanning procedure with published accuracy. 2 3 8
Company cards & spend control
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How this is scored
How spending is controlled before it happens: physical and virtual company cards with limits, single-use and subscription cards, limits by amount, merchant category and time, budgets per team or project, real-time notifications and receipt reminders — or, for a product that issues no cards of its own, live feeds from the company's existing cards with automatic receipt matching. The issuing institution and its licence count where cards are issued.
0 — Neither issues cards nor reads card transactions; only out-of-pocket claims exist.
3 — Card transactions imported from a statement file or a single feed and matched by hand, or a card offer with fixed limits; budgets, reminders and controls are basic or not described.
5 — Either own physical and virtual cards with per-card limits, freezing and real-time notifications, or live feeds from named corporate card schemes or banks with automatic matching of receipts to transactions; spending visible as it happens and employees reminded to submit receipts.
8 — Cards for every employee with limits by amount, merchant category and period, single-use and subscription cards, budgets per team or project that cards draw from, pre-approval of a purchase before the card is charged, feeds from existing bank cards beside the own cards, and the issuing institution and licence named.
10 — Spend control across the company: multi-entity and multi-currency card accounts, budgets and policies enforced at the moment of payment, card spend reconciled to the statement automatically, safeguarding of funds and credit terms stated, and cards and transaction history portable to another provider.
The Travelling Employee
Corporate card transactions arrive automatically and are matched to receipts and travel bookings, with real-time visibility of company spend — that is the live-feed half of the equation. The issuers are not named, and the captured pages are silent on own cards, limits, virtual cards, budgets and receipt reminders. 2 3 8
The Office Manager
The documented route is the company's existing credit cards: transactions transfer automatically into the system, receipts, card transactions and travel bookings are matched automatically, and spending is visible in real time. I found no public information on cards issued by the vendor, per-card limits that I could set, virtual subscription cards, or budgets per project. 2 3 8
The Controller
The captured pages show corporate card transactions transferring automatically into the product and being auto-matched against receipts and travel bookings, with real-time spend visibility across the company — the profile of a product feeding existing card schemes rather than issuing its own. We found no public information on own physical or virtual cards, per-card limits, budgets that cards draw from, or pre-approval of a purchase before the card is charged. 2 3 8
The Finance Lead
Corporate card transactions flow into the product automatically and are matched to receipts, with spending visible in real time — that covers the feed-and-match side of my month-end. We found no public information on cards issued by the vendor, per-card limits, budgets, receipt reminders, or named card programmes and issuers. 2 3 8
The Tax Adviser
Transactions from corporate credit cards flow into the system automatically and are matched against receipts and travel bookings, with real-time spend visibility and PCI Level-1 registration documented; the product issues no cards of its own on these pages. We found no public information on card limits, budgets, single-use cards, notifications or receipt reminders. 2 3 8
The Skeptic
Corporate card transactions are transferred automatically and matched automatically to receipts and travel bookings, with real-time spend visibility and a PCI Level-1 registration of the provider. The captured pages name no card scheme or issuing institution, describe no limits, budgets, freezing or receipt reminders, and we found no public information on cards issued by the vendor itself. 2 3 8
Approval workflows & expense policy
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How this is scored
How the company's rules are applied: approval chains by amount, team, cost centre or project, delegation and deputies, an expense policy with limits per category and per country that the product checks, pre-approval of trips and purchases, roles and permissions, multi-entity set-ups, and an audit trail of who approved and changed what.
0 — No approval step; every expense goes straight to export or payment.
3 — A single approver per employee or one sign-off step; policy rules, deputies and audit history are basic or not described.
5 — Multi-step approval flows configurable by amount, team or cost centre, an expense policy with limits per category that flags violations, approval from the mobile app, and a history of who approved what.
8 — Rule-based routing by amount, project, cost centre and entity with deputies and escalation, policy checks before submission (limits per country, per diem rules, duplicates), pre-approval of trips or purchases, granular roles and permissions, several legal entities in one account, and an exportable audit trail.
10 — Controls that stand up to an audit: anomaly and fraud detection with its rules explained, separation of duties enforced, country-specific policies maintained centrally, every change to a claim versioned and attributed, and control reports offered to auditors.
The Travelling Employee
Policy is applied in real time with violations flagged before I submit, a validation agent checks reports for completeness, country-specific policies are maintained centrally with statutory updates, and managers approve or reject expense reports and travel requests from the phone. The captured pages give no routing by amount, cost centre or entity, no deputies, no role model and no exportable audit trail. 2 3 8
The Office Manager
Managers review, approve or reject expense reports and travel requests straight from the mobile app, and policy rules are applied in real time with violations flagged before submission — a validation agent checks reports for completeness and policy compliance before they go in. Country-specific policies are maintained and updated centrally, even when the law changes at short notice. I found no public information on approval routing by amount or cost centre, deputies and escalation, or a documented history of who approved what. 2 3 8
The Controller
Company rules are applied in real time and violations — including duplicates and anomalies — are flagged before submission, country-specific policies are kept current centrally, travel requests can be approved in advance, and managers review, approve or reject from the mobile app, which is most of my checklist. We found no public information on approval chains routed by amount, project or cost centre, deputies and escalation, several legal entities in one account, or an exportable audit trail of who approved and changed what, so it sits between the configurable-workflow and audit-grade levels. 2 3 7 8
The Finance Lead
Company policy is applied in real time, violations are flagged before submission, an AI validation agent checks reports for completeness, country-specific policies are centrally maintained and updated, and travel requests can be approved or rejected from the mobile app. We found no public information on routing by amount, cost centre or entity, deputies and escalation, granular roles, or an exportable audit trail. 1 2 3 8
The Tax Adviser
A manager approval workflow with approve and reject from the mobile app, real-time policy checks flagging violations before submission, a validation agent for completeness, approval of travel requests, and centrally maintained country-specific policies with regulatory updates are documented. We found no public information on routing by amount, project or cost centre, deputies and escalation, granular roles, or an exportable audit trail of who approved what. 1 2 3 8
The Skeptic
Managers review, approve and reject claims in the mobile app, real-time policy checks flag violations before submission, an expense report validation agent checks completeness and policy compliance pre-submission, travel requests are approved from the phone, and country-specific policies are maintained centrally. The captured pages do not show routing by amount, cost centre or project, deputies, escalation, granular roles, multi-entity set-ups, or an exportable history of who approved what. 2 3 8
Reimbursement, travel allowances & VAT
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How this is scored
How the employee gets money back and the company gets the tax right: reimbursement of approved claims by bank transfer or a SEPA payment file, mileage allowances and per diems at statutory rates per country (Verpflegungspauschalen, Kilometerpauschale, meal deductions), taxable and tax-free reimbursements separated for payroll, the input VAT captured per receipt for the deduction, and foreign VAT reclaimed.
0 — No reimbursement of employees; the product covers company cards only and out-of-pocket spending is out of its scope.
3 — Out-of-pocket claims recorded and paid back outside the product by hand; travel allowances and VAT handling are basic or not described.
5 — Approved claims reimbursed through the product or a SEPA payment file, mileage and per diems at configurable rates, and the VAT rate and amount captured per receipt for the input-tax deduction.
8 — Statutory per diems and mileage rates per country maintained by the vendor (German travel expense law named), meal deductions and multi-day trips calculated, reimbursement in several currencies within a stated time, VAT split per rate and receipts checked for the invoice requirements of the deduction, and foreign VAT reclaim offered or integrated with a named partner.
10 — Travel expense law and VAT handled end to end: country rules kept current with a stated process, taxable reimbursements passed to payroll, foreign VAT reclaim filed with the recovered amounts reported, and every reimbursement traceable to the claim and the rule that produced it.
The Travelling Employee
Domestic and foreign per diems are calculated automatically from the travel dates, with the vendor feeding the 2026 statutory updates and meal deductions centrally, GPS mileage feeding the claim, and VAT read off every receipt — the vendor-maintained statutory engine is the strong part. How and how fast I actually get paid is not stated, and I found no public information on foreign VAT reclaim or payroll separation of taxable reimbursements. 1 2 8
The Office Manager
Domestic and foreign per diems are calculated fully automatically, with the statutory updates for 2026 and meal deductions applied centrally by the vendor — that takes the German travel-expense calculation off my desk. VAT is read from each receipt by the OCR, mileage runs on GPS, and after approval expenses are processed for reimbursement with employees described as reimbursed faster. I found no public information on a SEPA payment file, reimbursement timelines in a stated number of days, or foreign VAT reclaim. 1 2 8
The Controller
Per diems for domestic and foreign travel are calculated automatically from trip dates with meal deductions and statutory 2026 rates maintained centrally by the vendor, mileage is captured by GPS, approved expenses are processed for reimbursement, and OCR reads the VAT amount on every receipt — the core of German travel-expense law. We found no public information on the payout mechanism such as a SEPA payment file or a stated turnaround time, invoice-requirement checks on receipts, or foreign VAT reclaim. 1 2 8
The Finance Lead
Per diems for domestic and foreign trips are calculated fully automatically with statutory 2026 updates and meal deductions maintained centrally by the vendor, mileage runs on GPS, reimbursement is processed after approval, and the app supports multiple currencies while OCR reads the VAT from each receipt. We found no public information on SEPA payment files, taxable amounts passed to payroll, or foreign VAT reclaim. 1 2 8
The Tax Adviser
Domestic and foreign per diems are calculated fully automatically with the statutory updates for 2026 maintained centrally, including the meal deductions, and OCR captures the VAT on each receipt — the core of German travel expense law is clearly covered. We found no public information on statutory mileage rates, a VAT split by rate, checks that receipts meet the invoice requirements for the deduction, foreign VAT reclaim, or a SEPA payment file for the reimbursement itself. 1 2 8
The Skeptic
Domestic and international per diems are calculated fully automatically from travel data with statutory 2026 updates and meal deductions maintained centrally, mileage is tracked by GPS, VAT is recognized on each receipt, and multiple currencies are supported. We found no public information on how money reaches the employee — no SEPA payment file, no payroll handoff for taxable amounts — or on foreign VAT reclaim. 1 2 8
Accounting handoff & DATEV
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How this is scored
What reaches the books: export or sync to DATEV (DATEV format, DATEV Unternehmen online, Belegbilderservice) and to named accounting and ERP systems, booking proposals with account, tax key and cost centre, receipts that travel with the booking, card statements reconciled, a GoBD-compliant archive, an API and webhooks, and a complete export of claims, receipts and booking data.
0 — No export of any kind; expenses have to be retyped into the books.
3 — A CSV or PDF export of expense reports; booking data, named integrations and the archive are basic or not described.
5 — Export or sync to at least one named accounting system (DATEV or another) with account and tax code per entry and the receipt attached, several accounting or ERP integrations listed, and a documented API.
8 — A DATEV interface with receipt images (DATEV Unternehmen online or the DATEV Marketplace named), booking proposals that learn account, tax key and cost centre, two-way sync with named ERPs (SAP, Microsoft Dynamics, NetSuite or similar), card statements reconciled for the month-end, a GoBD-compliant archive stated, and webhooks.
10 — The month-end close runs through the product: multi-entity bookings and accruals, a procedure documentation (Verfahrensdokumentation) or GoBD audit offered, a complete audit trail of every financial event, and a full export of claims, receipts and bookings that a successor system can import.
The Travelling Employee
A direct DATEV connection, native SAP S/4HANA integration, over 300 prebuilt connectors, SFTP and API routes, and GoBD-compliant encrypted archiving give the books plenty to work with. The captured pages give no booking proposals that learn account, tax key and cost centre, no receipt images delivered into DATEV, and no webhooks. 1 2 3 7
The Office Manager
There is a direct connection to the DATEV solution, deep native integration into SAP S/4HANA, certified interfaces plus over 300 prebuilt connectors via SFTP and APIs, and a stated GoBD-compliant encrypted archive for audit-proof retention — that is an export my tax adviser would recognise. I found no public information on booking proposals that set account, tax key and cost centre, on receipt images travelling with the booking into DATEV, or on card statements being reconciled for the month-end. 1 2 3 7 8
The Controller
There is a direct connection to DATEV, native integration into SAP landscapes such as S/4HANA, over 300 prebuilt certified connectors with automated export into financial accounting, connection via SFTP and APIs, and an encrypted cloud archive the vendor describes as revision-safe storage under GoBD. We found no public information on receipt images travelling with the booking to DATEV, booking proposals that learn account, tax key and cost centre, month-end card statement reconciliation, or webhooks. 1 2 3 7 8
The Finance Lead
A direct DATEV connection and native SAP S/4HANA integration are documented, alongside more than 300 prebuilt connectors, certified interfaces with automated export to financial accounting, SFTP and APIs, and encrypted GoBD-compliant archiving. We found no public information on booking proposals that learn account, tax key and cost centre, receipt images travelling to DATEV, webhooks, or card statement reconciliation for the month-end close. 1 2 3 7 8
The Tax Adviser
A direct connection to DATEV, native integration with SAP S/4HANA, certified connectors with automated export to financial accounting, over 300 prebuilt connectors, APIs, and encrypted GoBD-compliant archiving are documented. We found no public information on the receipt image travelling with the booking into DATEV, booking proposals with account, tax key and cost centre, card statement reconciliation, or webhooks — for a client's DATEV accountant that gap matters. 1 2 3 7 8
The Skeptic
A direct DATEV connection, deep native SAP S/4HANA integration, certified interfaces with automated export of accounting-relevant data, over 300 prebuilt connectors plus SFTP and APIs, and a stated GoBD-compliant encrypted archive are all documented. The captured pages do not show whether receipt images travel with the booking, whether booking proposals learn account, tax key and cost centre, two-way sync with ERPs, or webhooks. 1 2 3 7 8
European sovereignty
panel opinion
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How this is scored
Who the contracting entity and the parent company are, where receipt, card and employee data are hosted, and who the subprocessors are (hosting, card issuer and processor, text recognition, open banking, email delivery). Independently sourced by the sovereignty pipeline; expense data is personal and financial at once and shows where employees travel, so the whole chain counts, not only the database.
0 — Non-EU vendor and contracting entity, hosting unstated, subprocessors unnamed, and no data processing agreement offered.
3 — A privacy policy and a data processing agreement exist, but hosting location is unstated or non-EU and the subprocessors are not listed.
5 — EU hosting available and an EU contracting entity or EU representative, but parts of the chain (text recognition, card processing, email, analytics, support) run through non-EU providers without a stated safeguard.
8 — EU hosting on named infrastructure, EU contracting entity and card issuer, subprocessors listed with their locations, a data processing agreement published, and security certifications (ISO 27001, SOC 2) stated.
10 — Sovereign end to end and evidenced: European ownership, entity, issuer, hosting and every subprocessor, data export and deletion documented, and certifications published with their scope rather than implied.
The Travelling Employee
The contracting entity is a German GmbH in Eschborn with a German supervisory authority named, and the certification list is long (ISO 27001, SOC 2, PCI and more), though the privacy policy also names a US controller. I found no public information on hosting location, a subprocessor list or a data processing agreement, which is what a buyer of expense data most needs to see. 4 5 7
The Office Manager
The contracting entity is Concur (Germany) GmbH in Eschborn, entered in the Frankfurt commercial register, with a German data protection officer contact and supervisory authority in Stuttgart, and a broad set of published certifications including ISO 27001 and SOC 2. The privacy policy names Concur Technologies, Inc. of Bellevue, Washington as a controller alongside a Dutch entity, however. I found no public information on where expense and receipt data is hosted, or on the subprocessors in the chain. 4 5 7
The Controller
The contracting entity is Concur (Germany) GmbH in Eschborn with a German commercial register entry and VAT number, the privacy policy names the group data protection officer and the Baden-Württemberg supervisory authority, and the security page lists ISO 27001, ISO 27017, ISO 27018 and SOC 2 Type II audits — though the privacy policy also names a US controller, Concur Technologies, Inc. of Bellevue, Washington. We found no public information on where expense, card and employee data are hosted or on the subprocessor list for hosting, text recognition and email delivery, so the chain a buyer must assess is not visible on these pages. 1 4 5 7
The Finance Lead
Concur (Germany) GmbH in Eschborn with a Frankfurt commercial register entry and a German VAT number is the contracting entity, and an unusually broad certification set including ISO 27001, ISO 27018, SOC 2 and PCI Level-1 is published. We found no public information on where data is hosted or on a subprocessor list with locations, and the privacy policy names Concur Technologies, Inc. in Bellevue, Washington as a controller and hashed user IDs passed to US social networks. 1 4 5 7
The Tax Adviser
A German contracting entity in Eschborn registered at the Frankfurt commercial register, an EU controller in the Netherlands beside a US controller in Bellevue, a German supervisory authority, and an extensive certification stack including ISO 27001 and SOC 2 Type II are documented. Hosting location is not stated, the subprocessor chain is not listed, and the privacy policy describes hashed user IDs passed to Twitter, LinkedIn, Facebook, Instagram and Google; we found no public information on a published data processing agreement. 4 5 7
The Skeptic
A German contracting entity (Concur (Germany) GmbH, Eschborn, registered in Frankfurt under HRB 81415), a privacy policy naming the Baden-Württemberg supervisory authority with data-subject rights, and a broad certification stack including ISO 27001, ISO 27018 and SOC 2 Type II are documented. But we found no public information on hosting location or on the subprocessors beyond hashed user IDs shared with Twitter, LinkedIn, Facebook, Instagram and Google, and the privacy policy itself names Concur Technologies, Inc. of Bellevue, Washington as a controller alongside the Dutch entity. 4 5 7
Pricing transparency
not rated — the vendor publishes no price
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How this is scored
Whether a buyer can compute the real annual cost from public pages alone: price per user or per active user, platform or base fee, which modules (travel, reimbursements, DATEV or ERP connectors, extra entities) cost extra, card fees (physical cards, foreign transactions, currency conversion, top-ups), minimum seats and term, and setup.
0 — No public prices at all; every customer is a sales call.
3 — A starting price or a free tier exists, but how cost scales with users, cards or modules is unclear.
5 — Tiers are public with their per-user or base price and main inclusions, but at least one commonly needed piece (extra users, physical cards, foreign-currency fees, ERP connectors) is unpriced or "on request".
8 — Every tier priced publicly with its scaling rule (per user, per active user, per card), card and foreign-transaction fees listed, add-ons priced, minimum term and VAT treatment stated.
10 — Complete price computability: annual cost derivable for a given headcount, card count and module set, with every add-on, setup, support, card and currency fee and the cancellation and data-return terms published.
The Travelling Employee
Only "Preise anfragen" — quote on request — with subscription pricing described as flexible for the company and the app free to download but requiring an active subscription. The captured pages give no price figure of any kind: no tier, no per-user price, no card or currency fees, so a buyer cannot compute an annual cost from them. 1 2 8
The Office Manager
The pricing information on the captured pages is "Preise anfragen" — request a price — with subscription pricing described only as "Abonnementpreisgestaltung flexibel für Ihr Unternehmen", and the free app download explicitly requires an active subscription. I cannot work out a monthly or annual cost from anything published; every customer is a sales conversation. 1 2 8
The Controller
The captured pages show "Preise anfragen" — prices on request — and state only that subscription pricing is flexible for the company, while the app is free to download but requires an active subscription. No per-user price, tier, card fee, minimum term or setup cost is public, so a buyer cannot compute an annual cost from these pages. 1 2 8
The Finance Lead
Prices are available only on request — the public page offers "Preise anfragen" — and pricing is described only as a flexible subscription with no figures, while the mobile app is free to download but requires an active subscription. No tiers, per-user prices, card or foreign-currency fees, or term and minimum-seat conditions are published. 1 2 8
The Tax Adviser
The captured pages show only "Preise anfragen" — prices on request — with a subscription model described as flexible; the app is free to download but requires an active subscription. No tier, per-user price, module price, card fee, minimum term or setup cost is published, so a client cannot compute the annual cost from public pages. 1 2 8
The Skeptic
The only pricing information we found is "Preise anfragen" and a subscription described as "Abonnementpreisgestaltung flexibel für Ihr Unternehmen"; the app is a free download that requires an active subscription. A buyer cannot compute any part of the annual cost from these pages: we found no public information on tiers, per-user prices, card or currency fees, minimum terms, or add-on and setup prices. 1 2 8
European sovereignty — proven facts
0 of 6 dimensions provenBuilt only from facts shown on the vendor's own pages. A dimension we could not prove is left open, not scored as zero.
| Legal entity | Not determined | — | uncited Report an error |
|---|---|---|---|
| Hosting location | Not determined | — | uncited Report an error |
| Hosting options | Not determined | — | uncited Report an error |
| Open source | Not determined | — | uncited Report an error |
| Data processing agreement | Not determined | — | uncited Report an error |
| Transfer impact assessment | Not determined | — | uncited Report an error |
Questions about SAP Concur Expense
Is SAP Concur Expense European?
Yes. whats-best.ai classifies SAP Concur Expense as EU-Made.
Where does SAP Concur Expense store data?
Not stated on the vendor’s pages as of 28 Oct 2026.
Does SAP Concur Expense have a free plan?
Not stated on the vendor’s pages as of 28 Oct 2026.
What are the best alternatives to SAP Concur Expense?
As of 3 Nov 2026, the panel rates Moss (4/5), N2F (3.5/5) and Spendesk (3.5/5) highest among the other 18 Expense Management products evaluated. Ratings that look equal are rounded to half stars; the order uses the unrounded rating, then the name. The highest-rated European alternative is Moss (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: how scores are made. The full list, with European products first: SAP Concur Expense alternatives.
Where this could be wrong
- Evidence ages. The oldest capture behind this page is from 28 Oct 2026. Vendors change pricing and policies without notice; every fact reflects its source as of the capture date shown in the registry.
- AI can misread a source. Extraction and judgement are automated; a citation guarantees traceability, not infallibility. If something here is wrong, say so — no account needed, every report is decided within 5 business days, and accepted corrections are published.
What we left out
A claim that does not survive our checks costs us the claim, not the page. This is what was taken off this one.
- 3 compliance facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 3 product facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 2 legal facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 1 support fact could not be confirmed on the vendor’s page as captured and was left out of this page and of the panel’s material. Know more? Tell us
- 6 of the readings below were written against an earlier fact sheet — a fact has been corrected, added or pulled since. Until the panel next runs on this product you are reading the older judgement. Know more? Tell us
Sources (8)
The pages every claim on this page was read from — each one checked, dated, and kept verifiable.
- 1 Vendor homepage www.concur.de Checked 28 Oct 2026 Details →
- 2 Features page (Concur Expense) www.concur.de Checked 28 Oct 2026 Details →
- 3 Features page (DATEV integration) www.concur.de Checked 28 Oct 2026 Details →
- 4 Legal notice www.concur.de Checked 28 Oct 2026 Details →
- 5 Privacy policy www.concur.de Checked 28 Oct 2026 Details →
- 6 Terms of service www.concur.de Checked 28 Oct 2026 Details →
- 7 Security / trust page www.concur.de Checked 28 Oct 2026 Details →
- 8 Receipt capture & expense claims — found from sitemap www.concur.de Checked 28 Oct 2026 Details →