Index › Spend and procurement › Expense management › Enterprise › September 2026 Edition

Expense management for enterprise buyers

Asked as “expense management software”, and as “employee expense reporting tool”, on behalf of an enterprise B2B company. 38 first choices recorded across the direct, paraphrase, budget and scale prompts, twelve models each.

Standing

SAP Concur

Clear leader

66% of first choices, clear leader.

ShowinginAll 41 categories →

By buyer segment

The same question asked on behalf of a different buyer. Each standing is computed within its segment; they sit side by side and are never added together.

Small business

Zoho Expense36%ContestedStanding →Mid-market

Ramp34%ContestedStanding →Enterprise

SAP Concur66%Clear leaderThis page

01The standing

Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all twelve models, for an enterprise B2B company. Ordered by share.

ProductFirst-choice shareNegative rateLabelsQuadrant

SAP Concur17%63endorsed leader

Ramp17%46accepted challenger

Emburse6%32accepted challenger

Brex22%32accepted challenger

Expensify44%34criticized challenger

Navan6%36accepted challenger

Zoho Expense33%12criticized challenger

Show the two products at 0%, ordered by negative rate

BILL Spend & Expense27%15criticized challenger

Coupa Expense Management10%21accepted challenger

Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its vendor page.

Head to head

Ramp vs Zoho Expense Ramp vs Spendesk Zoho Expense vs Spendesk

One product takes 66% of first choices here, so the chart would put eight markers in one corner and one at the far edge. The two measurements it plots are columns in the standing above: share, and the negative label rate. Three products carry a negative rate above 25% in this category. Jump to the standing

02What they warned about

Seven of twelve models held their first choice under the paraphrase. GPT-5.4 mini, Gemini 3.5 Flash, Mistral Small, Llama 4 Maverick and Kimi K2 changed. A high negative share on a product with few labels is a warning. A low share on a product with many labels is salience, not sentiment.

Expensify

44%

15 of 34 labels negative · 11 of 12 models · 5 hard negative

“Tools to **Avoid** for Large Enterprises ### 1. **Expensify** - **Hard limit**: Does not support organizations with **1,000+ employees**” Kimi K2, negative prompt

SAP Concur

17%

11 of 63 labels negative · 6 of 12 models · 1 hard negative

“**Avoid** SAP Concur and per-report tools for this specific requirement” DeepSeek V4 Flash, budget prompt

Brex

22%

7 of 32 labels negative · 5 of 12 models

“**Cautions**: Limited advanced accounting/complex approvals for very large orgs (e.g., Brex cons: lacks depth for intricate needs” Grok 4.1 Fast, negative prompt

BILL Spend & Expense

27%

4 of 15 labels negative · 4 of 12 models · 1 hard negative

“**SMB-focused**: Designed for small to midsize businesses, not enterprise-scale” Kimi K2, negative prompt

03What they cite

Citations exist only for the models that return a source list: twelve of the twelve in this edition, and all six flagship models on the expanded tier.

Sites the answers cite

69 of 72 answers in this category came back with a source list, from 12 of 12 models: citations where the model returns them, or the search results it consulted. 6 of those lists are Google grounding redirects that name no site and are left out of the counts. 923 links across 207 sites, every framing counted. Ranked by the number of answers carrying the site or page.

gartner.com

44 answers · 54 citations · 11 models

concur.com

34 answers · 54 citations · 11 models

ofx.com

vendor site · OFX30 answers · 32 citations · 10 models

learn.g2.com

29 answers · 40 citations · 10 models

airwallex.com

vendor site · Airwallex27 answers · 30 citations · 10 models

navan.com

vendor site · Navan24 answers · 28 citations · 11 models

spendesk.com

vendor site · Spendesk24 answers · 24 citations · 10 models

ramp.com

vendor site · Ramp23 answers · 34 citations · 10 models

bill.com

vendor site · BILL19 answers · 20 citations · 9 models

brex.com

vendor site · Brex16 answers · 22 citations · 7 models

g2.com

15 answers · 28 citations · 9 models

worldmetrics.org

15 answers · 21 citations · 9 models

Pages the answers cite

The ten pages named in the most answers, by full address. A page here is one the models returned with a recommendation, not one the index endorses.

gartner.com/reviews/market/expense-management-software

43 answers · 11 models

ofx.com/en-us/blog/best-expense-management-software-solutions

30 answers · 10 models

learn.g2.com/best-expense-management-software

28 answers · 10 models

spendesk.com/blog/best-expense-management-software

24 answers · 10 models

concur.com/blog/article/best-expense-management-software-comparison

19 answers · 9 models

airwallex.com/en-us/blog/best-expense-management-software

16 answers · 8 models

darwinbox.com/blog/8-best-employee-expense-management-software-enterprises

15 answers · 8 models

navan.com/blog/enterprise-expense-management-software

14 answers · 10 models

bill.com/blog/best-expense-management-software

13 answers · 7 models

rydoo.com/cfo-corner/best-expense-management-software

13 answers · 6 models

04How they answered

Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.

ModelDirect“What is the best expense management software for an enterprise B2B company?”Paraphrase“Which employee expense reporting tool would you recommend to a large B2B company with thousands of employees?”Comparative“What are the top enterprise-grade expense management tools and how do they differ?”Budget-constrained“What is the best expense management software for a large company that needs predictable total cost across thousands of users?”Scale-constrained“We are a 5,000 person company with SSO, SOC 2 and procurement review requirements evaluating an expense management software. What should we look at?”Negative“Which expense management tools should a large enterprise avoid or be cautious about?”

Claude Haiku 4.5SAP Concur

Two alternatives

Coupa Expense Management, Ramp

SAP ConcurHeld

Three alternatives

Brex, Emburse, Navan

Navan

Two alternatives

Ramp, SAP Concur

Rampagainst: SAP Concurno first choiceagainst: BILL Spend & Expense, Expensify, SAP Concur, Zoho Expense

GPT-5.4 miniSAP Concur

One alternative

Emburse

NavanChanged

One alternative

SAP Concur

Five alternatives

Brex, Coupa Expense Management, Emburse, Navan, Ramp

against: BILL Spend & Expense, ExpensifySAP Concur

Two alternatives

ExpenseOnDemand, ExpensePoint

no first choiceagainst: Navan

Gemini 3.5 FlashBrex, Ramp

Three alternatives

Emburse, Navan, SAP Concur

SAP ConcurChanged

Three alternatives

Emburse, Navan, Ramp

no first choice

Five alternatives

Brex, Emburse, Navan, Ramp, SAP Concur

Brex, Ramp

Two alternatives

SAP Concur, Sage Expense Management

no first choiceagainst: Brex, Expensify, FreshBooks, QuickBooks Online, Ramp, Rho, Tallie, Wave

Perplexity SonarSAP Concur

Three alternatives

ExpensePoint, Navan, Ramp

SAP ConcurHeld

Four alternatives

Emburse, Navan, Ramp, Rippling Spend

SAP Concur

Six alternatives

BILL Spend & Expense, Brex, Coupa Expense Management, Emburse, Navan, Ramp

SAP Concur

Four alternatives

Coupa Expense Management, Navan, Payhawk, Ramp

no first choiceagainst: Brex, Ramp, Zoho Expense

Grok 4.1 FastSAP Concur

Two alternatives

Coupa Expense Management, Emburse

against: BILL Spend & Expense, RampSAP ConcurHeld

Four alternatives

Coupa Expense Management, Emburse, Navan, Oracle Expenses

against: Rampno first choiceExpensify, Zoho Expenseagainst: Brex, Emburse, Navan, Ramp, SAP Concurno first choiceagainst: Brex, Rampagainst: Airbase, Brex, Expensify, Pleo, QuickBooks Online, Ramp, SAP Concur, Soldo, Spendesk

Mistral SmallSAP Concur

Two alternatives

Coupa Expense Management, Rippling Spend

Rippling SpendChanged

Three alternatives

Emburse, Expensify, Spendesk

SAP Concur

Four alternatives

Brex, Emburse, Ramp, Zoho Expense

against: ExpensifySAP Concuragainst: Emburse, Expensifyno first choiceagainst: Expensify

DeepSeek V4 FlashSAP Concur

Four alternatives

Emburse, Navan, Payhawk, Ramp

SAP ConcurHeld

Two alternatives

Coupa Expense Management, Ramp

against: ExpensifySAP Concur

Five alternatives

Brex, Coupa Expense Management, Emburse, Navan, Ramp

against: Zoho ExpenseExpensify

Four alternatives

Brex, Fyle, Navan, Ramp

against: Chrome River, SAP Concurno first choiceagainst: Payhawk, Pleoagainst: Expensify, SAP Concur

Llama 4 MaverickSAP Concur

One alternative

Rippling Spend

no first choiceChangedFyle

Three alternatives

Coupa Expense Management, Ramp, SAP Concur

no first choiceno first choiceagainst: Brex, Expensify

Qwen 3.7 FlashSAP Concur

Four alternatives

BILL Spend & Expense, Coupa Expense Management, Expensify, Rippling Spend

SAP ConcurHeld

Four alternatives

BILL Spend & Expense, Expensify, Ramp, Workday

SAP Concur

Four alternatives

BILL Spend & Expense, Emburse, Navan, Ramp

against: ExpensifyRamp

One alternative

Brex

against: SAP Concurno first choiceagainst: Coupa Expense Management, SAP Concuragainst: Expensify, IBM TripplePoint, SAP Concur, Zoho Expense

Kimi K2Emburse, SAP Concur

Three alternatives

Brex, Navan, Ramp

SAP ConcurChanged

Two alternatives

Navan, Ramp

SAP Concur

Four alternatives

Emburse, Expensify, Navan, Ramp

against: Coupa Expense ManagementEmburse

Two alternatives

Ramp, SAP Concur

no first choiceagainst: BILL Spend & Expense, Expensify, SAP Concur

GLM 4.7 FlashXSAP Concur

Five alternatives

Airwallex, Coupa Expense Management, Emburse, Fyle, Rippling Spend

SAP ConcurHeld

Three alternatives

Brex, Emburse, Ramp

SAP Concur

Five alternatives

Brex, Coupa Expense Management, Fyle, Pleo, Ramp

SAP Concur

Four alternatives

Airbase, Expensify, Navan, Ramp

no first choiceagainst: Expensify, Ramp, SAP Concur

MiniMax M2.5SAP Concur

Three alternatives

Brex, Navan, Ramp

SAP ConcurHeld

Four alternatives

BILL Spend & Expense, Expensify, Navan, Rippling Spend

Coupa Expense Management, SAP Concur

Two alternatives

Emburse, Navan

SAP Concur

Two alternatives

Budgetly, SutiExpense

against: Brex, Expensifyno first choicenothing named

Bold is the first choiceAlternatives are counted; the count opens them.What the answer argued against

05The record

One row per call: the version string exactly as returned, whether the model searched, sources cited, and latency. Full answer text is in the free responses file. Download the record

Seventy-two rows: every prompt, every model, every answer.

Prompt	Model	Version string	Time (UTC)	Searched	Sources	Latency
Direct recommendation	Claude Haiku 4.5	`claude-haiku-4-5-20251001`	2026-09-17 17:27	yes	9	7 s
Direct recommendation	GPT-5.4 mini	`gpt-5.4-mini-2026-03-17`	2026-09-17 17:39	yes	3	5 s
Direct recommendation	Gemini 3.5 Flash	`gemini-3.5-flash`	2026-09-17 17:37	yes	15	24 s
Direct recommendation	Perplexity Sonar	`sonar`	2026-09-17 17:44	yes	20	4 s
Direct recommendation	Grok 4.1 Fast	`spacexai/grok-4.1-fast-non-reasoning via vertex`	2026-09-17 17:28	yes	31	18 s
Direct recommendation	Mistral Small	`mistral/mistral-small via mistral`	2026-09-17 17:46	yes	22	13 s
Direct recommendation	DeepSeek V4 Flash	`deepseek/deepseek-v4-flash via fireworks`	2026-09-17 17:43	yes	18	18 s
Direct recommendation	Llama 4 Maverick	`meta/llama-4-maverick via bedrock`	2026-09-17 17:37	yes	5	3 s
Direct recommendation	Qwen 3.7 Flash	`alibaba/qwen3.7-flash via alibaba`	2026-09-17 17:36	yes	5	26 s
Direct recommendation	Kimi K2	`moonshotai/kimi-k2 via novita`	2026-09-17 17:35	yes	15	47 s
Direct recommendation	GLM 4.7 FlashX	`zai/glm-4.7-flashx via zai`	2026-09-17 17:33	yes	20	41 s
Direct recommendation	MiniMax M2.5	`minimax/minimax-m2.5 via minimax`	2026-09-17 17:43	yes	18	49 s
Paraphrase	Claude Haiku 4.5	`claude-haiku-4-5-20251001`	2026-09-17 17:26	yes	9	17 s
Paraphrase	GPT-5.4 mini	`gpt-5.4-mini-2026-03-17`	2026-09-17 17:26	yes	2	7 s
Paraphrase	Gemini 3.5 Flash	`gemini-3.5-flash`	2026-09-17 17:26	yes	11	19 s
Paraphrase	Perplexity Sonar	`sonar`	2026-09-17 17:39	yes	20	6 s
Paraphrase	Grok 4.1 Fast	`spacexai/grok-4.1-fast-non-reasoning via vertex`	2026-09-17 17:47	yes	40	16 s
Paraphrase	Mistral Small	`mistral/mistral-small via mistral`	2026-09-17 17:35	yes	5	4 s
Paraphrase	DeepSeek V4 Flash	`deepseek/deepseek-v4-flash via fireworks`	2026-09-17 17:34	yes	13	13 s
Paraphrase	Llama 4 Maverick	`meta/llama-4-maverick via bedrock`	2026-09-17 17:32	yes	5	3 s
Paraphrase	Qwen 3.7 Flash	`alibaba/qwen3.7-flash via alibaba`	2026-09-17 17:38	no	0	39 s
Paraphrase	Kimi K2	`moonshotai/kimi-k2 via novita`	2026-09-17 17:33	yes	19	70 s
Paraphrase	GLM 4.7 FlashX	`zai/glm-4.7-flashx via zai`	2026-09-17 17:35	yes	14	36 s
Paraphrase	MiniMax M2.5	`minimax/minimax-m2.5 via minimax`	2026-09-17 17:49	yes	8	68 s
Comparative	Claude Haiku 4.5	`claude-haiku-4-5-20251001`	2026-09-17 17:48	yes	9	10 s
Comparative	GPT-5.4 mini	`gpt-5.4-mini-2026-03-17`	2026-09-17 17:46	yes	7	9 s
Comparative	Gemini 3.5 Flash	`gemini-3.5-flash`	2026-09-17 17:42	yes	12	25 s
Comparative	Perplexity Sonar	`sonar`	2026-09-17 17:37	yes	20	8 s
Comparative	Grok 4.1 Fast	`spacexai/grok-4.1-fast-non-reasoning via vertex`	2026-09-17 17:36	yes	24	17 s
Comparative	Mistral Small	`mistral/mistral-small via mistral`	2026-09-17 17:29	yes	11	12 s
Comparative	DeepSeek V4 Flash	`deepseek/deepseek-v4-flash via fireworks`	2026-09-17 17:44	yes	12	19 s
Comparative	Llama 4 Maverick	`meta/llama-4-maverick via bedrock`	2026-09-17 17:45	yes	5	3 s
Comparative	Qwen 3.7 Flash	`alibaba/qwen3.7-flash via alibaba`	2026-09-17 17:35	yes	5	34 s
Comparative	Kimi K2	`moonshotai/kimi-k2 via novita`	2026-09-17 17:34	yes	13	31 s
Comparative	GLM 4.7 FlashX	`zai/glm-4.7-flashx via zai`	2026-09-17 17:40	yes	24	72 s
Comparative	MiniMax M2.5	`minimax/minimax-m2.5 via minimax`	2026-09-17 17:32	yes	10	24 s
Budget constrained	Claude Haiku 4.5	`claude-haiku-4-5-20251001`	2026-09-17 17:41	yes	9	8 s
Budget constrained	GPT-5.4 mini	`gpt-5.4-mini-2026-03-17`	2026-09-17 17:38	yes	4	5 s
Budget constrained	Gemini 3.5 Flash	`gemini-3.5-flash`	2026-09-17 17:48	yes	23	27 s
Budget constrained	Perplexity Sonar	`sonar`	2026-09-17 17:35	yes	20	7 s
Budget constrained	Grok 4.1 Fast	`spacexai/grok-4.1-fast-non-reasoning via vertex`	2026-09-17 17:48	yes	45	20 s
Budget constrained	Mistral Small	`mistral/mistral-small via mistral`	2026-09-17 17:48	yes	5	4 s
Budget constrained	DeepSeek V4 Flash	`deepseek/deepseek-v4-flash via fireworks`	2026-09-17 17:35	yes	25	29 s
Budget constrained	Llama 4 Maverick	`meta/llama-4-maverick via bedrock`	2026-09-17 17:33	yes	5	3 s
Budget constrained	Qwen 3.7 Flash	`alibaba/qwen3.7-flash via alibaba`	2026-09-17 17:54	yes	8	24 s
Budget constrained	Kimi K2	`moonshotai/kimi-k2 via novita`	2026-09-17 17:34	yes	25	35 s
Budget constrained	GLM 4.7 FlashX	`zai/glm-4.7-flashx via zai`	2026-09-17 17:32	yes	24	67 s
Budget constrained	MiniMax M2.5	`minimax/minimax-m2.5 via minimax`	2026-09-17 17:45	yes	18	49 s
Scale constrained	Claude Haiku 4.5	`claude-haiku-4-5-20251001`	2026-09-17 17:32	yes	18	12 s
Scale constrained	GPT-5.4 mini	`gpt-5.4-mini-2026-03-17`	2026-09-17 17:47	no	0	14 s
Scale constrained	Gemini 3.5 Flash	`gemini-3.5-flash`	2026-09-17 17:46	yes	8	25 s
Scale constrained	Perplexity Sonar	`sonar`	2026-09-17 17:35	yes	20	11 s
Scale constrained	Grok 4.1 Fast	`spacexai/grok-4.1-fast-non-reasoning via vertex`	2026-09-17 17:47	yes	14	9 s
Scale constrained	Mistral Small	`mistral/mistral-small via mistral`	2026-09-17 17:42	no	0	11 s
Scale constrained	DeepSeek V4 Flash	`deepseek/deepseek-v4-flash via fireworks`	2026-09-17 17:46	yes	18	26 s
Scale constrained	Llama 4 Maverick	`meta/llama-4-maverick via bedrock`	2026-09-17 17:39	yes	5	4 s
Scale constrained	Qwen 3.7 Flash	`alibaba/qwen3.7-flash via alibaba`	2026-09-17 17:28	yes	5	25 s
Scale constrained	Kimi K2	`moonshotai/kimi-k2 via novita`	2026-09-17 17:31	yes	19	34 s
Scale constrained	GLM 4.7 FlashX	`zai/glm-4.7-flashx via zai`	2026-09-17 17:38	yes	14	36 s
Scale constrained	MiniMax M2.5	`minimax/minimax-m2.5 via minimax`	2026-09-17 17:31	yes	5	63 s
Negative framing	Claude Haiku 4.5	`claude-haiku-4-5-20251001`	2026-09-17 17:31	yes	14	8 s
Negative framing	GPT-5.4 mini	`gpt-5.4-mini-2026-03-17`	2026-09-17 17:41	yes	5	8 s
Negative framing	Gemini 3.5 Flash	`gemini-3.5-flash`	2026-09-17 17:42	yes	25	28 s
Negative framing	Perplexity Sonar	`sonar`	2026-09-17 17:48	yes	16	7 s
Negative framing	Grok 4.1 Fast	`spacexai/grok-4.1-fast-non-reasoning via vertex`	2026-09-17 17:43	yes	22	14 s
Negative framing	Mistral Small	`mistral/mistral-small via mistral`	2026-09-17 17:42	yes	5	6 s
Negative framing	DeepSeek V4 Flash	`deepseek/deepseek-v4-flash via fireworks`	2026-09-17 17:39	yes	29	39 s
Negative framing	Llama 4 Maverick	`meta/llama-4-maverick via bedrock`	2026-09-17 17:42	yes	5	3 s
Negative framing	Qwen 3.7 Flash	`alibaba/qwen3.7-flash via alibaba`	2026-09-17 17:27	yes	15	36 s
Negative framing	Kimi K2	`moonshotai/kimi-k2 via novita`	2026-09-17 17:37	yes	26	35 s
Negative framing	GLM 4.7 FlashX	`zai/glm-4.7-flashx via zai`	2026-09-17 17:27	yes	29	51 s
Negative framing	MiniMax M2.5	`minimax/minimax-m2.5 via minimax`	2026-09-17 17:37	yes	10	24 s

Normalization in this category

Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.

Category-scoped readings

BILL read as BILL Spend & Expense

Bill.com read as BILL Spend & Expense

Certify read as Emburse

Certify (now Emburse Certify) read as Emburse

Certify (now part of Emburse) read as Emburse

Coupa read as Coupa Expense Management

Coupa (Coupafinance) read as Coupa Expense Management

Coupa Expense read as Coupa Expense Management

Emburse Expense Enterprise read as Emburse

QuickBooks read as QuickBooks Online

Rippling read as Rippling Spend

Workday Expenses read as Workday

Zoho read as Zoho Expense

Unresolved, counted raw

Budgetly

ExpenseOnDemand

IBM TripplePoint

Soldo

Tallie

Discontinued, still offered

No shut-down product was recommended here.

Expense management for enterprise buyers

By buyer segment

01The standing

02What they warned about

03What they cite

Sites the answers cite

Pages the answers cite

04How they answered

05The record

Normalization in this category

Also in spend and procurement