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Payroll · head to head

EnKash vs SAP Concur

EnKash logo

EnKash

Payroll

Indian corporate card and spend management platform holding an RBI prepaid payment instrument licence

From
On request
Rated
-
Full reviewWebsite
SAP Concur logo

SAP Concur

Accounting

Enterprise travel booking, expense claims and supplier invoice processing sold as separate modules

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: EnKash it is built specifically for Indian regulation and payment rails, so a multinational needs a separate platform for spend outside India, undermining any single-vendor global spend management strategy.; SAP Concur implementation is done through SAP or a partner and commonly costs a substantial multiple of the first year subscription, because the value sits entirely in the configured policy, approval hierarchy and ledger mapping rather than in the software as shipped.
  • They diverge on capability: EnKash covers Corporate card ecosystem, SAP Concur covers Expense capture.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which EnKash and SAP Concur actually diverge.

Attributes where EnKash and SAP Concur differ
AttributeEnKashSAP Concur
Starting priceOn request$29/month
Pricing modelquotesubscription
CategoryPayrollAccounting
FoundedUnknown1993

Identical on both: free tier (No), platforms (Web, iOS, Android), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in EnKash

  • Corporate card ecosystem
  • UPI-linked petty cash wallets
  • Real-time compliance controls
  • AI receipt management
  • PPI licence issuance
  • Expense management software

Only in SAP Concur

  • Expense capture
  • Corporate card feeds
  • Policy engine
  • Approval routing
  • Travel booking
  • Travel agency integration
  • Duty of care
  • Invoice capture

What people use each for

The jobs each tool is most often brought in to do.

EnKash

  • An Indian business replacing branch-level petty cash handling with UPI-linked digital walletsnot SAP Concur
  • A finance team wanting real-time merchant category restrictions on employee card spendnot SAP Concur
  • A company wanting tax-saving benefit cards issued alongside standard expense cardsnot SAP Concur
  • An enterprise wanting a prepaid card issuer with its own RBI licence rather than a reseller of a bank's licencenot SAP Concur

SAP Concur

  • A multinational with thousands of travellers where an audit committee has asked for evidence that travel policy is actually enforcednot EnKash
  • An organisation replacing spreadsheet expense claims and email approvals that cannot survive an external auditnot EnKash
  • A finance team trying to eliminate duplicate claims by matching corporate card feeds against submitted receiptsnot EnKash
  • A shared service centre processing high volumes of supplier invoices that needs capture and approval routing before postingnot EnKash

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

EnKash

  • It is built specifically for Indian regulation and payment rails, so a multinational needs a separate platform for spend outside India, undermining any single-vendor global spend management strategy.
  • Pricing is entirely unpublished, so a finance team cannot budget the platform before a sales conversation.
  • Holding its own PPI licence reduces reliance on a bank partner but does not remove regulatory risk entirely, since RBI rules on prepaid instruments and card issuance in India have changed materially in recent years and can change again.
  • As a full-stack ecosystem spanning cards, wallets and expense software, adoption benefits most companies that commit to most of the modules together, which raises switching cost once implemented.
  • Independent published benchmarks on uptime, dispute resolution speed and support responsiveness are thin compared with more established global spend platforms.

SAP Concur

  • Implementation is done through SAP or a partner and commonly costs a substantial multiple of the first year subscription, because the value sits entirely in the configured policy, approval hierarchy and ledger mapping rather than in the software as shipped.
  • Pricing is driven by transaction volume, expense reports and invoices processed, rather than by seats, so a business with seasonal travel or a growth year sees the bill move in ways headcount based budgeting does not predict.
  • The configuration that makes it valuable is also what makes it rigid, and organisations frequently find that changing an approval chain or adding a cost centre dimension requires a partner change order rather than an administrator's afternoon.
  • Contracts are typically multi year with limited exit, so an organisation that concludes after twelve months that a lighter expense tool would have been enough is still paying for the heavier one for the remainder of the term.
  • The three modules are licensed separately and the strongest case for the product depends on having travel, expense and card feeds together, so buying expense alone gives you a costly receipt system without the control loop that justifies the price.

Pricing, plan by plan

EnKash

On request
  • EnKash$undefined/year
    • Pricing not published, quote based on card volume and modules
    • Corporate card, expense management and UPI wallet modules available separately or bundled

SAP Concur

$29/month
  • Professional$8/month
    • Expense reporting
    • Receipt capture
    • Approvals
  • Premium$12/month
    • Travel booking
    • Invoice management
    • Analytics

Which should you pick?

Choose EnKash if

  • You need corporate card ecosystem.
  • You work on Web, iOS, Android.
  • You also want upi-linked petty cash wallets.
EnKash review

Choose SAP Concur if

  • You need expense capture.
  • You work on Web, Ios, Android.
  • You also want corporate card feeds.
SAP Concur review

Questions people ask

Is EnKash or SAP Concur better?
Neither clearly leads. EnKash starts at On request and SAP Concur at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, EnKash or SAP Concur?
EnKash starts at On request and SAP Concur at $29/month.
Does EnKash or SAP Concur run on more platforms?
EnKash runs on Web, iOS, Android. SAP Concur runs on Web, Ios, Android.
What is EnKash best used for?
EnKash is most often used for an indian business replacing branch-level petty cash handling with upi-linked digital wallets, a finance team wanting real-time merchant category restrictions on employee card spend, a company wanting tax-saving benefit cards issued alongside standard expense cards, an enterprise wanting a prepaid card issuer with its own rbi licence rather than a reseller of a bank's licence. Of those, an indian business replacing branch-level petty cash handling with upi-linked digital wallets and a finance team wanting real-time merchant category restrictions on employee card spend are not what SAP Concur is typically brought in for.
What can EnKash do that SAP Concur cannot?
EnKash covers Corporate card ecosystem, UPI-linked petty cash wallets, Real-time compliance controls, AI receipt management. SAP Concur covers Expense capture, Corporate card feeds, Policy engine, Approval routing.

Answered from the vendors’ own pages

EnKash: Does EnKash operate outside India?

No, it is built for the Indian regulatory and payment rail environment specifically.

SAP Concur: Do we need SAP ERP to use Concur?

No. It integrates with SAP systems particularly well but it is regularly deployed alongside Oracle, NetSuite, Workday and other ledgers. The integration work is a line item in the implementation either way.

EnKash: What is a PPI licence and why does it matter?

It is a Reserve Bank of India licence to issue prepaid payment instruments; EnKash holding its own, obtained April 2025, means it depends less on a partner bank for card issuance.

SAP Concur: Is it worth it for a company of a hundred people?

Usually not. Below a few hundred travellers the implementation cost and the contract commitment are hard to justify against lighter expense tools. The case turns on policy enforcement and audit, not on receipt scanning.

EnKash: Is pricing published?

No, EnKash requires a sales conversation for pricing based on card volume and modules used.

SAP Concur: How is it priced?

Broadly on the volume of expense reports and invoices processed, with the modules licensed separately. Because pricing is quoted rather than published, get the volume assumptions written into the contract and check what happens when you exceed them.

SAP Concur: Can it handle multiple countries and currencies?

Yes, that is one of its stronger areas, including per country tax treatment and VAT reclaim identification. Confirm coverage for your specific countries during the sales process rather than assuming global means every jurisdiction.

SAP Concur: How long does implementation take?

Plan in months, not weeks, for anything beyond a single entity with simple approvals. Multi entity rollouts with travel and invoice modules commonly run across a year in phases.

SAP Concur: What does the audit service actually do?

It has a team review a sample or all of your submitted claims against receipts and policy before approval, which some organisations use in place of internal reviewers. It is priced separately from the expense subscription.

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