Your company has 10–200 employees in Finland or Sweden
You use Nordic accounting systems (Netvisor, Procountor, Talenom, Fortnox)
You want corporate cards and expenses in one platform — not two vendor contracts
You need to be up and running this week, not in three months
You want fixed, predictable pricing without enterprise negotiations
Finnish per diem and mileage with automatic calculations are important
Feature | Zevoy | SAP Concur |
|---|---|---|
Target company size | 10–200 employees | 1,000+ employees |
Setup time | 30 minutes | Weeks to months |
Corporate cards | ✅ Own Visa cards | ❌ No own cards (partners with card providers) |
Receipt scanning (OCR) | ✅ + ReceiptHero auto-receipts | ✅ |
Travel booking | ❌ | ✅ Full travel booking module |
Expense claims | ✅ | ✅ |
Per diem (Finland) | ✅ Automatic rate calculation | ✅ Configurable but requires setup |
Mileage claims (Finland) | ✅ Auto-calculated | ✅ Configurable |
Per diem (Sweden) | ✅ Traktamente built-in | ✅ Configurable |
Subscription management | ✅ Dedicated cards per service | ❌ |
Approval workflows | ✅ Multi-tier | ✅ Highly configurable |
Netvisor integration | ✅ Direct API | ❌ |
Procountor integration | ✅ Direct API | ❌ |
Fortnox integration | ✅ Direct API | ❌ |
SAP ERP integration | ❌ | ✅ Native |
Oracle integration | ❌ | ✅ Native |
NetSuite integration | ✅ Direct API | ✅ |
Business Central integration | ✅ API | ✅ |
Total accounting integrations | 27 (Nordic focus) | 300+ (global ERP focus, via App Center) |
Invoice processing | ❌ | ✅ Separate module (Concur Invoice) |
Pricing model | Fixed monthly | Enterprise contracts (per-user, annual) |
Implementation support | Included | Paid professional services |
Contract length | Monthly | Typically annual or multi-year |
Concur implementations are projects — they involve consultants, configuration workshops, ERP mapping, user training, and rollout phases. A mid-size Concur deployment can take 3–6 months. Zevoy onboarding is a 30-minute session where you connect your accounting system, set up categories, and start using cards the same day.
Concur doesn't issue cards. It integrates with card providers (Amex, Citi, etc.) through separate commercial card agreements. That means two vendor relationships, two contracts, and reconciliation between systems. Zevoy issues its own Visa cards — the card, the expense, and the accounting entry are one flow.
Concur integrates deeply with SAP, Oracle, and major global ERPs. It does not integrate with Netvisor, Procountor, Talenom, Fennoa, Heeros, or Fortnox. If your accounting runs on Nordic software — which most Finnish and Swedish SMEs use — Concur has no answer. Zevoy has direct API integrations with 27 systems across Finland and Sweden.
Is Zevoy a realistic alternative to SAP Concur?
For Nordic SMEs, yes. The features a 50-person Finnish company actually uses — corporate cards, receipt scanning, per diem, and accounting sync — are all in Zevoy. The features Concur excels at (global travel booking, SAP ERP integration, multi-country compliance) are typically not relevant for companies under 200 employees.
How long does SAP Concur implementation take?
Depending on company size and complexity, SAP Concur implementations typically take 2–6 months. This includes system configuration, ERP integration mapping, policy setup, user training, and phased rollout. Zevoy onboarding takes approximately 30 minutes.
Does SAP Concur work with Netvisor or Procountor?
Not directly. Concur focuses on global ERPs — SAP, Oracle, NetSuite, Sage. Finnish accounting systems like Netvisor, Procountor, Talenom, and Fennoa are not supported natively. Third-party middleware like the "Nordic Concur Connector" exists, but adding a connector layer adds cost and complexity — which reinforces the point that Concur isn't built for Nordic SMEs out of the box.
Can a growing company start with Zevoy and switch to Concur later?
Yes, and this is a reasonable strategy. Use Zevoy while you're 10–200 employees and your accounting is Nordic. If you grow to 500+ employees, expand globally, and move to SAP ERP, evaluating Concur at that point makes sense. You're not locked in.
What about Basware — is that an alternative too?
Basware is a Finnish-origin platform, but it focuses on AP automation and invoice processing (purchase-to-pay), not employee expense management. It doesn't offer corporate cards or travel expenses. Basware and Concur serve overlapping enterprise customers but in different categories. If your need is expense management with cards, neither Basware nor Concur is the simplest path for a Nordic SME — Zevoy is.
SAP Concur is the global standard for large enterprise travel and expense management. But for Nordic SMEs with 10–200 employees, it's often overkill. Here's how Zevoy compares — and where each platform makes sense.
Zevoy Aktiebolag
Eteläesplanadi 24 A
00130 Helsinki
Finland
Business ID: 3147751-4
Zevoy is a fintech company founded in 2020. Zevoy Aktiebolag is a Finnish electronic money institution regulated and authorized by the Finnish Financial Supervisory Authority. The company cards are issued by Zevoy Aktiebolag under a license from Visa Europe Limited. Our HQ is in Helsinki, Finland and in addition to our home market we also serve Sweden, Norway, Denmark, Germany, France, Belgium, The Netherlands, Spain, Portugal, Estonia, Lithuania and Latvia.