Software Comparison

SAP Concur vs Soldo - Irish expense-management Software Compared

Choosing between SAP Concur and Soldo is one of the most common decisions Irish businesses face when evaluating expense-management software. This comparison breaks down everything an Irish SME needs to know, from Revenue integration and GDPR data residency to pricing and ease of use.

View SAP Concur

View Soldo

Quick Verdict

Soldo wins decisively for the typical Irish SME: its EU IBAN issuance and SEPA top-up support mean a business banking with AIB or Bank of Ireland can fund Soldo accounts directly without friction, something Concur does not offer at all.
Neither product offers native Revenue or ROS integration, and neither connects directly to AIB, Bank of Ireland, or Permanent TSB bank feeds, so reconciliation remains a manual or accounting-software step for both.
Soldo's EU-only data residency is a cleaner GDPR position than Concur's dual hosting model, where EU-only residency must be negotiated and confirmed in the contract.
For Irish SMEs wanting prepaid card controls, granular spending rules, and Xero or QuickBooks integration at a low flat entry price, Soldo is the practical choice; Concur belongs in a shortlist only when the business already runs SAP at scale.

SAP Concur vs Soldo - Feature Comparison

Feature	SAP Concur	Soldo
Free Trial	No free trial available.	Free trial available.
SEPA and Irish IBAN Support	No SEPA direct debit and no Irish IBAN support within the platform. Settlement is handled by the connected ERP.	EU IBAN issued. SEPA direct debit supported, allowing top-up directly from Irish bank accounts including AIB and Bank of Ireland.
GDPR Data Residency	EU data centre option available but not the default. EU-only residency must be specified in the contract.	EU-only data residency as standard.
Irish VAT Handling	Irish multi-rate VAT auto-detected on receipts. Receipt images meet Revenue 6-year digital retention requirement.	Irish multi-rate VAT auto-detected on receipts. Receipt images meet Revenue 6-year digital retention requirement.
Revenue and ROS Integration	No native Revenue or ROS integration.	No native Revenue or ROS integration.
Irish Support	SAP Dublin office provides local account management for enterprise customers.	No dedicated Irish support desk. Account management is London-led.
Accounting Integrations	Deep ERP integration, primarily SAP S/4HANA and selected third-party ERPs. Not tailored to SME accounting tools.	Integrates with Xero, QuickBooks, and NetSuite, all widely used by Irish SMEs.
Pricing
Starting Price	Contact for pricing	From €21/month
Free Trial	✗	✓
Irish Compliance
Revenue Integration	✗	✗
PAYE Modernisation	✗	✗
Irish Bank Feeds	✗	✗
GDPR Data Residency	Both	EU
SEPA Direct Debit	✗	✓
Irish IBAN Support	✗	✓
VAT Handling	✓	✓

Irish Compliance Comparison

For Irish businesses, compliance with Revenue, GDPR, and local banking standards is non-negotiable. Here is how SAP Concur and Soldo compare on the requirements that matter most to Irish SMEs.

Revenue Integration

Neither SAP Concur nor Soldo offers native Revenue Online Service integration. Irish businesses in expense-management may not need this feature directly, but should ensure their accounting software handles Revenue compliance separately.

Irish Bank Feeds

Neither SAP Concur nor Soldo offers direct Irish bank feed integrations, which is expected for expense-management software. Your accounting platform should handle bank feeds separately.

GDPR Data Residency

Soldo stores data exclusively in EU data centres, giving Irish businesses straightforward GDPR compliance. SAP Concur uses eu and us data centres (configuration required), which means you may need to specifically request or configure EU data residency. For businesses handling sensitive Irish customer data, Soldo offers greater peace of mind on data sovereignty.

SEPA and IBAN Support

Soldo supports SEPA Direct Debit and Irish IBAN format, making euro payments and bank transfers seamless. SAP Concur does not support SEPA natively, which could mean extra manual steps when processing euro payments or setting up direct debits for Irish customers.

VAT Handling

Both SAP Concur and Soldo handle Irish VAT, including standard VAT return preparation and submission. Irish businesses can manage their VAT obligations from either platform without needing a separate tool.

Pricing Comparison

All prices below are in euro. Pricing can change - we verify vendor pricing monthly, but always confirm on the vendor's website before purchasing.

SAP Concur

Contact

Pricing model: Flat rate
Free trial: No
EUR pricing guaranteed: No - may fluctuate with exchange rates

View SAP Concur pricing →

Soldo

€21 /mo

Pricing model: Flat rate
Free trial: Yes
EUR pricing guaranteed: No - may fluctuate with exchange rates

View Soldo pricing →

SAP Concur does not publish entry-level pricing - request a quote directly. Total cost of ownership depends on users, plan tier, add-ons and features, so always calculate the full annual cost for your team size before committing.

Who Should Choose SAP Concur

SAP Concur is the better fit if your business matches one or more of these profiles:

✓ Companies that value Irish-based phone and email support
✓ Those who value: enterprise t&e platform with broad erp integration
✓ Those who value: sap dublin office provides local account management for irish enterprise customers

Who Should Choose Soldo

Soldo is the better fit if your business matches one or more of these profiles:

✓ GDPR-conscious businesses wanting guaranteed EU data residency
✓ Growing businesses with 21-50 employees that need a platform which scales
✓ Those who value: soldo financial services ireland dac is directly authorised by the central bank of ireland (e-money institution c179925), not passporting in from another eu state.

Our Verdict

Soldo's EU-only data residency is a cleaner GDPR position than Concur's dual hosting model, where EU-only residency must be negotiated and confirmed in the contract. For Irish SMEs wanting prepaid card controls, granular spending rules, and Xero or QuickBooks integration at a low flat entry price, Soldo is the practical choice; Concur belongs in a shortlist only when the business already runs SAP at scale.

Ultimately, the best choice depends on your specific business needs, team size, and priorities. We recommend taking advantage of free trials from both vendors before making your final decision. If you are working with an Irish accountant or payroll bureau, ask which platform they prefer - their familiarity with the software can save you significant time and hassle during setup and ongoing support.

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Frequently Asked Questions

Is SAP Concur or Soldo better for Irish SMEs?

SAP Concur is built for Irish enterprises already operating within a SAP ecosystem, where a dedicated finance team can absorb the implementation complexity and quote-only pricing; it is not a credible option for businesses under 50 employees. Soldo wins decisively for the typical Irish SME: its EU IBAN issuance and SEPA top-up support mean a business banking with AIB or Bank of Ireland can fund Soldo accounts directly without friction, something Concur does not offer at all. Neither product offers native Revenue or ROS integration, and neither connects directly to AIB, Bank of Ireland, or Permanent TSB bank feeds, so reconciliation remains a manual or accounting-software step for both. Soldo's EU-only data residency is a cleaner GDPR position than Concur's dual hosting model, where EU-only residency must be negotiated and confirmed in the contract. For Irish SMEs wanting prepaid card controls, granular spending rules, and Xero or QuickBooks integration at a low flat entry price, Soldo is the practical choice; Concur belongs in a shortlist only when the business already runs SAP at scale.

Which is cheaper, SAP Concur or Soldo?

SAP Concur starts at Contact for pricing, while Soldo starts at From €21/month. SAP Concur is the more affordable option at entry level, though total cost depends on the number of users and features you need.

Does SAP Concur or Soldo have better Irish bank feeds?

SAP Concur supports None. Soldo supports None. Both offer similar Irish bank compatibility.

Which has better GDPR compliance, SAP Concur or Soldo?

SAP Concur stores data in EU and US data centres (configuration required). Soldo stores data in EU data centres (GDPR-friendly). Soldo offers stronger GDPR assurance with EU-only data storage.

Can I switch from SAP Concur to Soldo?

Yes, migrating between SAP Concur and Soldo is possible. Most expense-management platforms allow you to export your data in CSV or standard formats. We recommend working with your accountant or IT provider to plan the migration, ideally at the start of a new financial year or payroll period to minimise disruption.

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