SAP Concur vs Wave: Which Expense Management Is Better in 2026?
Compare pricing, features, integrations, verified reviews, AI capabilities, security, and customer satisfaction — side by side, with no marketing spin.
The Short Answer
SAP Concur vs Wave, in 15 seconds
Choose SAP Concur if…
- You prefer SAP Concur's approach and ecosystem
Choose Wave if…
- You want the lower entry price
- You need a genuinely free plan
- You depend on a broad integration ecosystem
- You need the broader feature set
Head-to-Head Scorecard
How SAP Concur and Wave score
Wave leads on 4 of 9 measured dimensions.
- Even
Customer Rating
Average score from verified user reviews
SAPNo reviewsWaveNo reviews - Even
Review Volume
Number of verified reviews — a proxy for adoption
SAP0Wave0 - Wave
Entry Pricing
Lowest published starting price (free plan = lowest)
SAPCustomWave$0/mo - Wave
Free Access
Availability of a free plan and/or free trial
SAPPaid onlyWaveFree plan - Wave
Integrations
Number of listed third-party integrations
SAP6Wave7 - Wave
Features
Number of listed product capabilities
SAP0Wave11 - Even
AI Features
Capabilities mentioning AI, automation or ML
SAP—Wave— - Even
Security & Compliance
Number of listed compliance certifications
SAP3Wave3 - SAP Concur
Platforms & Deployment
Supported platforms and deployment options
SAP5Wave4
Feature Comparison
SAP Concur vs Wave feature breakdown
Search or filter the full feature matrix — core features, AI, integrations, APIs, security and compliance.
SAP Concur
WavePricing Comparison
SAP Concur vs Wave pricing
Entry pricing, plan tiers and the cost factors that shape total cost of ownership.
SAP Concur
Custom to start- ERP integrations
- Reporting and analytics
- Receipt capture and card feeds
- Policy enforcement
- Travel booking and management
- Invoice and AP automation
- Dedicated support
- Advanced compliance and audit
Wave
$0/mo to start- Unlimited invoices & estimates
- Income & expense tracking
- Double-entry accounting
- Financial reports
- Automatic bank imports
- Unlimited collaborators
- Removes Wave branding
- Auto-categorization
- Accept card & bank payments
- Per-transaction pricing
- Faster payment
- Auto-recorded in books
- Run payroll
- Direct deposit
- Tax handling (select regions)
- Employee self-service
Total cost of ownership factors
Beyond list price, factor in implementation, training, add-ons and per-seat scaling when estimating total cost of ownership.
Pros & Cons
SAP Concur vs Wave: strengths and trade-offs
SAP Concur
Pros
- Compliance: SOC 2 Type II, ISO 27001, GDPR
- Public API available
Cons
- No free plan
- No free trial
- Pricing is quote-based (less transparent)
- Fewer native integrations than the alternative
Wave
Pros
- Free plan available
- Broad integration ecosystem (7)
- Compliance: SOC 2 Type II, GDPR, PCI DSS
Cons
Buyer Fit
Who should use SAP Concur vs Wave?
Startups
Wave
Wave keeps early-stage costs lowest with its entry tier.
Small businesses
Wave
Wave offers the most accessible pricing for lean teams.
Agencies
Wave
Wave connects to more tools for multi-client workflows.
Enterprises
Wave
Wave leads on compliance and breadth for complex needs.
Ecommerce
Wave
Wave integrates with more of the commerce stack.
SaaS companies
SAP Concur
SAP Concur is the more developer- and automation-friendly choice.
Integration overlap
Only in SAP Concur (6)
Only in Wave (7)
Keep Exploring
Other alternatives worth considering
Similar expense management products buyers compare alongside SAP Concur and Wave.
Ask SIA which solution fits your business
SIA, Saaskart's AI buying assistant, weighs SAP Concur and Wave against your team size, budget, integrations and compliance needs — then recommends the right fit and the questions to ask each vendor.
Get a personalised recommendationSAP Concur vs Wave — Frequently Asked Questions
What is the difference between SAP Concur and Wave?
SAP Concur and Wave are both Expense Management solutions. SAP Concur is rated 0.0/5 by 0 users, while Wave is rated 0.0/5 by 0 users. The main differences lie in pricing, features, and target audience.
Which is better, SAP Concur or Wave?
Based on user ratings, SAP Concur scores higher at 0.0/5. The best choice depends on your team size, budget, and specific requirements.
Which is cheaper, SAP Concur or Wave?
Wave is the more affordable option, starting at $0/month.
Does SAP Concur or Wave have a free plan?
Wave offers a free plan. SAP Concur does not have a free tier but offers paid plans.
Can I switch from SAP Concur to Wave?
Switching between SAP Concur and Wave is possible. Both support data export. Check integration compatibility and plan for data migration to minimise disruption to your team.
Who should use SAP Concur vs Wave?
SAP Concur is best suited for teams that prioritise enterprise features. Wave works well for teams looking to start free and scale.
Our Verdict
The bottom line on SAP Concur vs Wave
Best Overall
Either
It's a tie balances user satisfaction and proven adoption.
Best for Startups
Wave
Wave has the friendliest entry point for new teams.
Best for Enterprise
Wave
Wave leads on compliance and feature breadth.
Best Value
Wave
Wave delivers the lowest cost to get started.
Best AI Features
Either
Comparable AI capabilities on both sides.
Highest Rated
Either
Both earn equal user ratings.