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It's a split decision.
Choose QuickBooks Online for small-business bookkeeping, especially if its free plan’s one-user, one-bank-account and two-invoice limits fit. Its paid Solopreneur plan is $20 monthly or $17.92 per month with annual billing. Choose SAP Concur for company expenses, travel and invoice workflows, with unlimited users and Base pricing starting at $7 per report. These prices aren’t directly comparable: QuickBooks charges per month, while Concur lists per-report rates. Premium Concur pricing is custom.
01Side by side
| QuickBooks Online | SAP Concur | |
|---|---|---|
| Starting price | $0 free; paid plans from $17.92/month equivalent | $7 per report; Premium pricing is custom |
| Free plan | Free plan: one user, one bank, two invoices monthly | No free plan listed |
| Best for | Small businesses and self-employed bookkeeping | Company travel, expenses, invoices and spend control |
| Core strength | Bookkeeping, profit visibility and business finances | Automated expense, travel and invoice workflows |
| Learning curve | Review ease-of-use score: 4 | Review ease-of-use score: 5 |
| Integrations/data | Bank and sales-channel connections; Muse business insights | Financial-system integrations and centralized spend reporting |
| Team/seat costs | Paid plans cap billable users; extra seats require upgrading | Unlimited users on listed plans |
| Support | Review support score: 5 | User Support Desk included with Plus |
QuickBooks Online Choose QuickBooks Online if
- Choose QuickBooks Online if you need small-business bookkeeping.
- Choose QuickBooks Online if its free plan limits fit.
- Choose QuickBooks Online if you want monthly accounting plans.
SAP Concur Choose SAP Concur if
- Choose SAP Concur if you manage company travel and expenses.
- Choose SAP Concur if you need unlimited users on listed plans.
- Choose SAP Concur if per-report pricing fits your expense volume.
02Pricing compared
QuickBooks Online is priced monthly; SAP Concur charges per report, so the headline figures are not like-for-like. QuickBooks Online Free costs $0/month, but is capped at one user, one connected bank account and two invoices a month. Solopreneur is $20/month, or $17.92/month equivalent with annual billing at $215/year. Simple Start is $38/month, Essentials $85/month and Plus $140/month. The pricing information lists a 30-day free trial.
Concur Base starts at $7 per report and includes unlimited users with Concur Expense. Plus starts at $11 per report and adds ExpenseIt, User Support Desk and Reporting. Premium has custom pricing; no annual rate is published. Concur’s cost therefore depends on report volume, while QuickBooks lists monthly subscriptions. Check QuickBooks’ plan caps and extra fees too: its Free and Solopreneur plans list payment-processing fees of 1%–3.5%.
03Features and depth
QuickBooks Online is the closer fit for small-business bookkeeping. Its plans cover invoices, expenses and, at higher tiers, bills, time tracking, inventory and project profitability. The Free plan is particularly limited: one user, one connected bank account and up to two invoices per month. QuickBooks also presents itself as a broader financial platform for business decisions, profit visibility and getting work done. Its homepage describes connecting to Muse, from Meta, to manage invoices, get paid and see business insights.
SAP Concur is built around company spending workflows: expenses, travel and invoices. Its features include receipt OCR, expense-report generation, matching receipts to corporate-card transactions, policy checks, approval routing and spend reporting. Travel booking is included in Premium, alongside expense management and Intelligence. Concur also lists accounts-payable automation and purchase-order matching. The split is practical: QuickBooks focuses on small-business financial management, while Concur’s listed capabilities go deeper on employee expenses, travel controls and spend visibility. The published material does not establish that either product replaces the other across all those jobs.
04Ease of use and learning curve
Our review scores put QuickBooks Online at 4/10 for ease of use and SAP Concur at 5/10. Those scores suggest neither is an obvious ease-of-use winner, and they do not explain how long setup or training takes. A Concur review describes its workflow as frustrating, but that is a user assessment, not a documented limit.
For a small business, QuickBooks’ Free plan is narrow enough to make its limits clear before switching: one user, one bank account and two monthly invoices. Concur offers unlimited users on Base, but its per-report pricing and expense workflows require a different cost comparison. The published information does not publish onboarding time or training requirements for either product.
Questions people ask
Why do CPAs not like QuickBooks Online?
The published information does not show that CPAs generally dislike QuickBooks Online. It does show plan limits that may matter in a bookkeeping workflow: Free allows one user, one connected bank account and two invoices a month. Check whether the plan you need supports your accounting and collaboration requirements.
Which is better, SAP or QuickBooks?
They target different work. QuickBooks Online is the more direct choice for small-business bookkeeping, invoices and financial management. SAP Concur focuses on company expenses, travel, invoice workflows and spend controls. Compare the tasks you need covered, then compare monthly QuickBooks pricing with Concur’s per-report rates.
Who is Concur's biggest competitor?
The published material does not identify SAP Concur’s biggest competitor. It describes Concur as a platform for expenses, travel and invoices, while QuickBooks Online is positioned as a business financial platform. Those descriptions are not enough to rank Concur’s competitors.
What are people replacing QuickBooks with?
The published information does not identify what people are replacing QuickBooks Online with. SAP Concur covers expense, travel and invoice workflows, but the material does not establish it as a full replacement for QuickBooks’ small-business financial platform. Compare the specific bookkeeping and spend tasks you need.