Softwr

Accounting · head to head

Happay vs SAP Concur

Happay logo

Happay

Accounting

Indian travel, expense and corporate card platform, now owned by MakeMyTrip

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: Happay the platform has changed owner twice since 2021, from founders to CRED to MakeMyTrip, and each transition has meant leadership churn and roadmap reprioritisation.; 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: Happay covers GST-aware capture, SAP Concur covers Expense capture.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

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

Attributes where Happay and SAP Concur differ
AttributeHappaySAP Concur
Starting priceOn request$29/month
Pricing modelquotesubscription
FoundedUnknown1993

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

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 Happay

  • GST-aware capture
  • Corporate cards
  • Self-booking travel
  • Cash advances
  • Approval matrix

Only in SAP Concur

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

Both cover

  • Analytics

What people use each for

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

Happay

  • An Indian enterprise needing GST input credit fields captured at the point of expense submissionnot SAP Concur
  • A company with field sales staff needing rupee prepaid cards with merchant category limitsnot SAP Concur
  • A finance team replacing a spreadsheet-and-email cash advance process with a tracked workflownot SAP Concur
  • An Indian group wanting travel booking and expense from one supplier with domestic content depthnot SAP Concur

SAP Concur

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

Where each one falls short

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

Happay

  • The platform has changed owner twice since 2021, from founders to CRED to MakeMyTrip, and each transition has meant leadership churn and roadmap reprioritisation.
  • It is now owned by an online travel agency, so the incentive is to grow travel bookings, and expense-only customers are not the strategic centre of the product.
  • Card issuance depends on partner bank relationships, so limits, approval times and product features are constrained by a bank the customer does not choose.
  • Coverage is overwhelmingly India-specific, which makes it unsuitable as a group-wide platform for companies with foreign subsidiaries.
  • Integration depth outside common Indian ERP and accounting systems is thin, and connecting a global SAP instance usually needs bespoke work.

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

Happay

On request
  • Happay$undefined/year
    • Quoted per-user or per-transaction subscription
    • Card programme terms set with the partner bank
    • Travel booking fees separate from expense subscription

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 Happay if

  • You need gst-aware capture.
  • You work on Web, iOS, Android.
  • You also want corporate cards.
Happay 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 Happay or SAP Concur better?
Neither clearly leads. Happay 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, Happay or SAP Concur?
Happay starts at On request and SAP Concur at $29/month.
Does Happay or SAP Concur run on more platforms?
Happay runs on Web, iOS, Android. SAP Concur runs on Web, Ios, Android.
What is Happay best used for?
Happay is most often used for an indian enterprise needing gst input credit fields captured at the point of expense submission, a company with field sales staff needing rupee prepaid cards with merchant category limits, a finance team replacing a spreadsheet-and-email cash advance process with a tracked workflow, an indian group wanting travel booking and expense from one supplier with domestic content depth. Of those, an indian enterprise needing gst input credit fields captured at the point of expense submission and a company with field sales staff needing rupee prepaid cards with merchant category limits are not what SAP Concur is typically brought in for.
What can Happay do that SAP Concur cannot?
Happay covers GST-aware capture, Corporate cards, Self-booking travel, Cash advances. SAP Concur covers Expense capture, Corporate card feeds, Policy engine, Approval routing. Both handle Analytics.

Answered from the vendors’ own pages

Happay: Who owns Happay now?

MakeMyTrip. It agreed in November 2024 to acquire the expense management platform, brand and team from CRED, which had bought Happay in 2021.

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.

Happay: Can it be used outside India?

It books international travel for Indian entities, but the expense and card sides are built for Indian tax and banking and do not serve foreign entities well.

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.

Happay: Does Happay issue its own cards?

It issues cards through partner banks rather than under its own banking licence, so card terms follow the partner.

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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