Concur Pricing 2026: How Much Does Concur Cost

SAP Concur costs approximately $7 per expense report as a published starting figure, quoted across its Base, Plus and Premium editions, with the rate falling as contracted volume rises. That $7 is the only price SAP publishes anywhere for Concur, and no separate rate for Plus or Premium appears on concur.com. A higher Plus figure of around $11 circulates widely on comparison sites, including in earlier versions of this guide, and repeated attempts to confirm it against SAP's own material have failed, so we no longer state it. All three tiers are listed as supporting unlimited users, because Concur does not charge per seat. It charges per transaction, meaning the expense reports you submit, the trips you book and the invoices you process. Concur also states that the price varies with your monthly commitment, so those figures are a starting point rather than a fixed rate card.

That is a genuine change worth knowing about, because for years the honest answer to this question was that nobody outside a sales call knew. Plenty of comparison articles still say Concur publishes nothing. It now publishes one per-report starting figure. What it still does not publish is almost everything around it: implementation fees, contract length, minimum commitments, the cost of Concur Travel on its own, and the price of every add-on that makes the product complete. This guide separates the two, because the gap between them is where budgets get wrecked. Every figure below was read off concur.com in July 2026.

SAP Concur pricing at a glance

How much does Concur charge per expense report?

Approximately $7 per report is the published starting figure, and it is quoted across Base, Plus and Premium rather than belonging to the entry tier alone. SAP does not publish a separate rate for Plus or Premium, so the cost of moving up a tier is not something you can price before the call. What changes between them is content, not a published number: Plus adds ExpenseIt receipt capture, reporting, and the User Support Desk. Concur describes the underlying model as usage-based, where you pay according to how much the platform is used, with tiered discounts for higher usage commitments and the ability to adjust your transaction volume up or down.

The practical consequence is that your bill tracks behavior, not headcount. A company where forty people each file one report a month generates 480 reports a year, which lands somewhere near $3,400 on Base. A company where twelve people each file four reports a month generates 576 reports and pays more, despite having a third of the staff. Before you get a quote, pull last year's expense report count out of whatever system you use now. That single number does more to predict your Concur bill than your employee count does.

One habit worth adopting alongside it: work out how many of those reports exist only because a card transaction needed a matching receipt. Companies that reconcile card feeds against what people actually filed often find a meaningful share of their report volume is duplicated effort, and in a per-report pricing model that duplication is billed.

How much does Concur cost per user?

It does not have a per-user price, and this trips up a lot of buyers coming from tools like Expensify or Navan. All three published Concur tiers say unlimited users. You can give logins to your entire company at no additional charge, and the meter only starts when someone actually submits something. That is genuinely favorable if you have many occasional travelers and a small core of frequent filers.

It works against you in the opposite case. A field services company where nearly everyone files weekly is exactly the shape that per-report pricing punishes, and the usual per-user quotes elsewhere in the market would be cheaper. Neither model is better in the abstract. Take your report count, divide by your filer count, and if the answer is above roughly two reports per filer per month, price the per-user alternatives seriously before you commit.

One step further out, every one of these units eventually has to become a single number a CFO approves, and that conversion is where travel software budgets usually go wrong. Vendors bill active users, filed reports or booking value. Finance budgets headcount. The gap between the two is your traveler ratio, and at a typical 20 percent it makes a $15 per user platform cost $3.00 per employee a month rather than $15.00. The same 500 person company run through all four charging models is worked out on travel management software cost per employee.

That crossover can be worked out precisely rather than estimated. Against a $5 per-member plan the two lines meet at about 0.7 reports per person per month, and against an $18 annual per-member plan at about 2.6. The Concur vs Expensify comparison runs the arithmetic on both editions of each vendor. If you are at the smaller end, Concur pricing for a small business covers what the entry tier leaves out and what to ask on the quote call.

What do the Automate, Insights and Optimize packages include?

Alongside the Base, Plus and Premium editions on the pricing page, SAP describes Concur Expense in three product packages, and this is the naming you are more likely to hear from a salesperson. It is worth knowing before the call, because a per-report rate on its own does not tell you which software you are being quoted for.

Automate is the working expense system: expense reporting and receipt capture, customizable spending policies, reporting dashboards, corporate and personal card integration, and faster reimbursement. Insights includes all of that and adds the analytics layer, with enhanced dashboards and reporting, personalized data views, scheduled reports and alerts for managing spend as it happens. Optimize adds the service layer rather than more software: 24/7/365 support for employees, help with configuration and best practices, and reporting on cases, resolutions and response times.

Two of those boundaries catch buyers out repeatedly. Deeper reporting sits on Insights, which matters because visibility into spending is the most common reason companies give for buying expense software in the first place. Round-the-clock employee support sits on Optimize, and without it internal support tends to fall to whoever approves the reports. Never accept a quoted per-report rate without asking which package it assumes, since two quotes at the same headline number can describe quite different products. The full breakdown, including how to convert a per-seat budget into Concur's unit, is on the Concur Expense pricing page.

How much does Concur Travel cost?

Concur does not publish a price for Concur Travel, on its own or bundled. It appears on the Premium plan card, which is the tier marked custom pricing, so the only way to learn what travel costs is to request a quote. We are not going to estimate it, and you should be skeptical of any article that does.

There is a second cost attached to Concur Travel that is easy to miss at the budgeting stage. Concur Travel is an online booking tool, and Concur positions it as suited to organizations looking to choose their travel management company, with the freedom to work with any TMC or GDS. The booking tool handles search, policy and approvals. Ticketing changes and out-of-hours traveler servicing come from an agency you appoint and pay separately. Concur's newer alternative, Complete by SAP Concur and Amex GBT, folds booking and servicing together with American Express Global Business Travel, but its pricing is not published either. SAP does describe the model in words: Concur Travel is transaction-priced on trips booked, with the rate stepping down through tiered volume levels as usage rises. Our Concur Travel pricing page works through what that means for a budget, including the agency fees that sit outside the software line.

If travel rather than expense is the problem you are actually solving, it is worth comparing that whole arrangement against a platform that includes servicing. Our Navan vs Concur comparison puts the two side by side on published pricing and support model, and the corporate travel booking tool page explains what an OBT does and does not cover.

Is there a free trial or a free version of Concur?

There is a free trial, but there is no free version. SAP offers a 15-day free trial of Concur Expense with no credit card required: you complete a form, SAP provisions a sandbox against your business domain, and you can capture receipts, submit expense reports, add users and test configurations inside it. It is form-gated and set up by SAP rather than instant, so treat it as a scheduled evaluation rather than a signup. What does not exist is a free tier or a self-serve checkout. The Buy now buttons on the published Base and Plus tiers both link to a contact form rather than a purchase flow. Every route to buying SAP Concur goes through a conversation with sales, even at the published prices. What the Concur free trial actually covers, and why there is no equivalent trial of Concur Travel, is worth checking before you book that call.

That matters for timeline as much as for price. If you need something running next week, Concur is not that purchase. Its own quote form asks which product you want and what your monthly expense report volume is, in bands running from under 100 to more than 1,000, which is a reasonable signal of how the company segments prospects before it gets back to you.

What costs are not in the published price?

This is the part that decides whether roughly $7 per report is the real number. Concur sells a long list of products and services separately from the plan tiers, and several of them are things buyers assume are included.

• 24/7 support. The User Support Desk is an add-on. On Concur's own feature table the 24/7 support row is checked for the two higher tiers and blank for Base. Concur is direct about the consequence: without it, internal support usually falls to whoever approves expense reports.
• Concur Travel and TripLink. Travel sits on the quoted Premium tier. TripLink, which pulls in bookings made outside the tool and bundles TripIt Pro for travelers, is its own product line.
• Concur Invoice. Accounts payable is a separate product with Purchase Request sold as an add-on to it. The quote form accepts it as a line item and no price is published for either. What drives that quote is covered in Concur Invoice pricing.
• Care packages. Essential Care, Select Care and Advanced Care are distinct service tiers, alongside configuration services and managed rate administration.
• Premium AI features. At its 2026 Fusion conference Concur said the new Expense Automation Agent will be available as part of Joule Premium for Travel and Expense. A paid premium AI tier exists and its price is not published.
• Implementation. No setup or onboarding fee appears anywhere on concur.com. Third-party blogs quote percentages for this. None of them trace back to Concur, so treat them as rumor and get a number in your proposal.

Set out as a bill, the picture is clearer than a list of products. Every line below can legitimately appear on a SAP Concur invoice, and only the first one has a published price.

Two lines in that table cause most of the surprises. The minimum commitment is the first: because discounts are tied to committed volume, a company that commits at its current filing rate and then reduces travel keeps paying at the committed level. Ask what a shortfall costs before you accept a discount tier. The second is API access, which buyers routinely assume comes with the platform. If a planned integration is part of the business case, get it priced in the same proposal rather than discovering it during implementation.

How does Concur pricing compare to the alternatives?

Reading across that table, the question is not which number is smallest but which unit matches your company. Per-transaction pricing rewards a business with many light users and punishes heavy filers. Per-user pricing does the reverse. Per-seat travel pricing ignores both and charges for the people who travel.

It is also worth separating the two jobs before you buy one product for both. Concur is an expense platform that also books travel, which is why its entry tier lists Concur Expense alone. If the pain in your company is that trips take too long to plan and nobody fixes them when a flight is canceled, an expense platform will not solve it at any price. That is a different purchase, covered in how to choose a business travel booking platform.

Getting a real number out of the quote

Published prices help, but the proposal is where the actual cost lives. Five things to insist on in writing before you sign anything:

• The per-report rate at your committed volume, not the headline rate, plus what happens if you come in under commitment.
• The one-time implementation and configuration cost, itemized.
• The contract term, the renewal mechanism and the notice period for cancellation.
• The line-item cost of every add-on you were shown in the demo, especially support and anything travel-related.
• Whether a TMC contract is required to actually service travel, and whether that cost is inside or outside this proposal.

Ask the same five of every vendor on your shortlist and the comparison becomes straightforward. Most of the confusion around SAP Concur pricing is not deception, it is that a per-transaction model with a dozen separable add-ons is genuinely harder to summarize than a single monthly number. If your requirement really is enterprise expense with ERP integration and invoice workflow, Concur is a mature choice and the price will be defensible.

Concur pricing compared to Navan, Ramp, Expensify and Perk

The comparison is awkward precisely because Concur is the only major vendor billing per transaction. Navan Business is free for companies up to 300 employees and then charges $15 per monthly expensing user, Ramp is $0 per user on its Free plan and $15 on Plus plus an unpublished platform fee, Expensify is $5 per member on Collect and $18 on Control, and Perk adds a percentage of every booking on top of a monthly platform fee. Put those next to roughly $7 per expense report and the units do not line up.

The practical test is filing volume against headcount. A 200-person company where 25 people file monthly is cheap on Concur and expensive on any per-seat model. A 40-person company where everyone files every month inverts that completely. We worked every published 2026 figure into one table in the corporate travel software pricing comparison, and the head-to-head against the obvious challenger is in Navan vs Concur. The other incumbent buyers weigh Concur against is Expensify, and because those two charge for opposite units the cheaper one flips on a single number, which Concur vs Expensify works out. If the per-seat models are what you are weighing Concur against, what Brex costs works through the cheapest published one at $12 per user, along with the travel fee it does not publish. Ramp is the awkward one, because its software is free rather than cheap and the real cost is an eligibility bar of $25,000 in a US business bank account plus an incorporated entity, which Concur vs Ramp works through in full.

Those are the four buyers weigh most often, and they are not the whole field. Zoho Expense undercuts every one of them at $3 per user a month billed annually, Brex sits at $12, and Emburse and Itilite publish nothing at all. If you are building a shortlist rather than checking a single rival, the full set of Concur competitors with their published US prices puts every vendor that quotes a number in one dated table, and is honest about the cases where staying on Concur is the cheaper decision.

Is Concur part of SAP?

Yes. Concur Technologies was acquired by SAP in 2014 and has been sold as SAP Concur ever since. That ownership is the main reason the product behaves the way it does: it is built to sit against an ERP, it is sold through an enterprise motion with a quote and an implementation, and its roadmap follows SAP's. The 2026 AI additions make the point plainly, with Joule available across Microsoft 365 Copilot and an Expense Automation Agent and Pre-Submit Audit Agent in early adopter programs, plus a paid Joule Premium for Travel and Expense tier whose price SAP does not publish.

Practically, being part of SAP means two things for a buyer. Integration with SAP financials is a genuine strength and rarely the thing that goes wrong. And nothing here is priced or bought the way a modern software subscription is, which is why the per-report rate on the pricing page is only ever the start of the number.

Is Concur an ERP?

No, and the distinction matters when you are budgeting. An ERP is the system of record for the whole business: general ledger, procurement, inventory, payroll, the lot. Concur is a travel and expense application that feeds an ERP. It captures the expense, applies the policy, routes the approval and hands a coded transaction to whatever runs your books, whether that is SAP, NetSuite, Oracle or something smaller.

So Concur does not replace an accounting system and its price should not be compared to one. What it replaces is the manual work between a receipt and a journal entry. If you are evaluating it against a general ledger you are comparing the wrong two things; the right comparison is against Navan Expense, Ramp, Expensify or the spreadsheet you use today.

What does the Concur API cost?

Not published. SAP Concur exposes APIs for expense, travel, invoice and user data, and access is governed by your contract and partner or application status rather than by a public price list. If integration is part of why you are buying, put API access, rate limits and any partner certification requirement into the same written list as the implementation fee, because it is one of the costs that reliably appears after signature rather than before it.

That pattern is common among the quote-only vendors rather than unique to Concur. Amex GBT publishes four pricing models and no figures, and its mid-market brand does the same, which our guide to what Egencia costs works through, including the one number Egencia does put in public. The Concur Expense to Egencia integration reaching general availability in April 2026 means the two now show up on the same shortlist more often than they used to.

If what you actually need is business trips planned, priced and rebuilt without a rollout, look at small business travel management instead, and try the planner at the top of this page on a trip you have coming up.