SAP Concur is an enterprise travel-and-expense suite built for large, often SAP-anchored organizations, with implementation typically led by professional-services teams. Masraff targets the same core workflows — expense capture, approvals, travel and reporting — with a self-serve, module-based pricing model and Turkish compliance (e-Invoice QR, KKEG, VAT Withholding) built in from day one.
| Критерий | SAP Concur | Masraff |
|---|---|---|
| Pricing model | Not publicly published. Enterprise, quote-based pricing negotiated per contract, typically billed annually. | Module-based pricing in TRY, VAT inclusive. Published starting points available on request; ERP bundle discount available. |
| Target company size | Positioned primarily for large enterprises, often already standardized on SAP ERP systems. | Serves small, mid-market and enterprise teams in Turkey; module-based pricing scales without requiring an SAP footprint. |
| Implementation | Typically involves SAP or certified partner professional-services engagements; timelines are commonly measured in months for enterprise rollouts. | Implementation team pre-maps category, cost-centre and ERP templates for Logo / Mikro / Netsis / Luca; typical duration is 2–4 weeks. |
| Local compliance | Global tax and VAT handling; not built around Turkish e-Invoice (e-Fatura), KKEG or VAT Withholding as a primary use case. | Turkish-first interface across 19 locales, e-Invoice (e-Fatura) QR capture from 5 Turkish providers, KKEG (6 types), VAT Withholding (KDV Tevkifat), KVKK-compliant. |
| ERP integration | Deep native integration with SAP ERP (ECC, S/4HANA); connectors to other major global ERPs are available but SAP is the primary anchor. | 20+ ERP integrations, including Logo (Tiger, Go3, Netsis, Bulut), Mikro, SAP, Oracle, MS Dynamics, Luca, Orka, EBA, Nebim, Xero and QuickBooks. |
SAP Concur's core product lines mapped to Masraff's equivalent modules. Badge legend: ✅ parity · ⚠️ partial · ❌ gap · ⭐ advantage.
| SAP Concur feature | Эквивалент в Masraff | Статус | Примечание |
|---|---|---|---|
| Concur Expense (receipt capture, expense reports) | Expense Module + AI Receipt Scanning | Паритет | Masraff's AI model is trained on Turkish receipts — major retail chains, food-service vendors and transit operators. |
| Concur Travel (booking, itinerary management) | Travel Module | Частично | Forms, approvals and travel-agency email handover are available. Self-serve booking is under development; Concur Travel's booking marketplace is a distinct strength. |
| Concur Invoice (AP automation) | e-Invoice QR Capture (inbound) + ERP Exporter | Частично | Masraff captures incoming Turkish e-Invoices via QR and routes them to the ERP; full payment-trigger AP automation is under development. |
| SAP ERP native connectivity | SAP integration (ERP, B1, ByDesign, S/4HANA) + 23 other ERPs | Частично | Masraff integrates with SAP alongside 23 other ERPs, most importantly the Turkish accounting platforms SAP Concur does not natively speak (Logo, Mikro, Netsis, Luca). |
| Approval workflows and policy controls | Expense Policy Engine + grade-based Approval Module | Паритет | Multi-level, grade-based approval chains with four policy warning levels and automatic VAT Withholding routing to the ERP. |
| Mobile app (iOS, Android) | iOS, Android and Huawei AppGallery | Преимущество | Huawei AppGallery distribution is relevant for the Turkish mobile ecosystem. GPS-based mileage tracking on mobile. |
| Corporate card reconciliation | Statement Module | Преимущество | Per-bank flexible Excel column mapping, 22 supported date formats, and native FTP integration with İş Bankası and Akbank. |
| Analytics and reporting | ERP Exporter + AI Analytics | Паритет | Pre-mapped export templates for Logo, Mikro, Netsis and Luca; SAP Concur's analytics are typically deeper for multinational, multi-entity SAP estates. |
| e-Invoice / Turkish tax compliance (e-Fatura, KKEG, KDV Tevkifat) | e-Invoice QR Module + KKEG (6 types) + VAT Withholding | Преимущество | Turkey-specific compliance built as a primary use case, not a regional add-on — GİB e-Fatura / e-Archive QR capture from 5 Turkish providers. |
| Global reimbursement across many countries | — | Пробел | Out of scope by design. SAP Concur is the better fit for multi-country, multi-entity global reimbursement programs. |
Concur Expense reads receipts using a global OCR pipeline. Masraff parses Turkish ones specifically — extracting the VAT rate, category and receipt number in the format required by Turkish tax legislation.
Concur Travel is a booking marketplace with airline, hotel and car integrations. Masraff's Travel Module manages the workflow around travel — approval, travel-agency email handover, advance and offset, and per-diem — without a native booking engine, which is a genuine SAP Concur strength.
Concur Invoice automates accounts-payable workflows across global vendor networks. Masraff's e-Invoice Module reads the Turkish Revenue Administration (GİB) e-Invoice / e-Archive QR code directly from 5 Turkish providers (Doğan, eLogo, Mikro, QnB eFinans, Sovos) — a capability built around Turkish tax infrastructure specifically, not a general AP workflow.
Concur's policy engine enforces limits and flags violations for review. Masraff's Policy Engine additionally routes overages to the ERP as a Withholding entry automatically — eliminating double bookkeeping between payroll and accounting for Turkish teams.
Masraff maps each Turkish bank's distinct Excel export format automatically, across 22 date formats, with native FTP integration for İş Bankası and Akbank statement pulls — a layer that global card-reconciliation tooling does not address.
The following capabilities are not parity claims. Each is either specific to operations in Turkey or reflects a different product-scope decision than SAP Concur's enterprise, SAP-anchored model.
SAP Concur's enterprise pricing is quote-based and not published. Masraff's module-based pricing means teams pay only for the modules in use, with pricing information available without an enterprise sales cycle.
GİB-compliant e-Invoice and e-Archive QR capture. Native sync with Doğan, eLogo, Mikro, QnB eFinans and Sovos. Manual UBL XML import. 13 invoice statuses with a complete activity log.
Vehicle 30% non-deductible, lease cap above 26,000 TRY/month, alcohol and tobacco, meal cards, credit-card slips, taxi POS and documents with no fiscal value — routed automatically through 4 control modes (none, warn, block, or warn and override the account code).
Three Turkish tax behaviours built as first-class workflows: Stopaj, reverse-charge VAT (SSKDV) and per-expense VAT deduction. Stopaj is recalculated automatically when other tax additions change.
Pre-mapped export templates for Turkey's leading accounting platforms — a category SAP Concur's SAP-anchored connectivity does not natively cover — alongside SAP, Oracle and 20 other ERPs.
13 transaction types, balance carried between advances, city-specific advances, blocked balances for pending approvals and multi-currency display.
A standalone shipping-expense module integrated with the UPS API — sender / recipient address hierarchy (country → city → district → neighbourhood), barcode and tracking.
Time-bounded or open-ended delegation between users, complete activity log, multiple delegates and a Switch Account interface. Configurable per tenant.
Typical implementation runs 2–4 weeks with a dedicated implementation manager, rather than the multi-month professional-services engagements common with enterprise SAP Concur rollouts.
When a supplier's VKN is entered, the name, tax office (one of 81 provinces) and supplier account code populate automatically. 33 system document types cover every Turkish document class.
Transparent gaps. These limitations are disclosed up front rather than discovered after onboarding.
Concur Travel's integrated booking engine is a genuine strength for organizations that want booking and expense in one platform. Masraff's Travel Module handles the workflow around travel, not the booking itself; travel-agency handover runs via form and email today.
SAP Concur, as an SAP product, offers the deepest native connectivity to SAP ECC / S/4HANA landscapes. Masraff integrates with SAP but is optimized primarily for Turkish accounting platforms (Logo, Mikro, Netsis, Luca).
This is a deliberate scope decision — Masraff does not offer multi-country, multi-entity global reimbursement at SAP Concur's scale. SAP Concur is the better fit for large multinational organizations reimbursing employees across many countries.
Typical duration: 2–4 weeks depending on company size — materially faster than the multi-month professional-services engagements common in enterprise SAP Concur rollouts. A dedicated implementation manager and a support team specialised in Turkish accounting are assigned to the project.
Historical expense and report data is exported via Concur's standard reporting and export tools.
The implementation team maps category, cost-centre and project-code dictionaries.
Logo, Mikro, Netsis and Luca templates ship pre-mapped — manual column alignment is not required, even for teams migrating away from an SAP-centric setup.
| SAP Concur | Masraff | |
|---|---|---|
| Starting price | Not publicly published — custom enterprise quote | Module-based; request a demo for a TRY quote |
| Pricing model | Enterprise contract, typically annual commitment | Module-based; only active modules are billed |
| Currency | Typically USD or local enterprise-contract currency | TRY (VAT inclusive) — local invoicing |
| ERP bundle discount | — | Available with a Logo / Mikro / Netsis licence pairing |
| Implementation model | Typically SAP or certified partner professional services | Dedicated in-house implementation manager |
| Free trial | Not typically offered for enterprise contracts | Yes — see /en/pricing/ |
SAP Concur does not publish pricing; the row above reflects publicly known enterprise, quote-based sales practice as of 2026-07-01. Re-verification is recommended before publication.
Вопросы и ответы
Historical expense and report data is exported from SAP Concur through its standard export tools. The implementation team maps category, cost-centre and project-code dictionaries, reconnects the ERP (Logo, Mikro, Netsis or Luca) and runs a parallel period for 2–4 weeks — typically faster than an enterprise SAP Concur rollout.
Yes. Masraff integrates with SAP (ERP, B1, ByDesign, S/4HANA) alongside native Turkish ERP integrations — Logo Tiger, Logo j-Platform, Mikro, Netsis, Luca, Link, Nebim, Orka and Oracle. Templates ship pre-mapped for the Turkish platforms.
SAP Concur's expense capture is built around a global receipt-scanning pipeline, not the Turkish Revenue Administration's (GİB) e-Invoice QR format specifically. Masraff's e-Invoice Module reads the GİB e-Invoice / e-Archive QR code directly — VAT, supplier and amount values are drawn from the source. Five Turkish providers are integrated (Doğan, eLogo, Mikro, QnB eFinans, Sovos).
Yes. KKEG is covered with 6 types and 4 control modes. VAT Withholding is routed to the correct ERP accounts automatically — a workflow that is not a primary use case for SAP Concur's global tax handling.
No. SAP Concur uses an enterprise, quote-based pricing model negotiated per contract. Masraff publishes a module-based pricing structure and offers a demo for a specific TRY quote.
Not today. Masraff's Travel Module manages the approval, advance and travel-agency handover workflow around travel, not a native booking marketplace. Concur Travel's integrated booking engine is a genuine strength for organizations that want booking and expense unified in one platform.
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