For business · Concur competitors
Concur competitors: SAP Concur competitors and alternatives, with every published US price
Search for Concur competitors and almost every page you land on was written by one of them. Brex ranks for it, Ramp ranks for it, Fyle ranks for it, and each concludes that the correct replacement for SAP Concur is the company that paid for the page. The review directories are the other half of the results, and they rank vendors by star ratings without publishing a single price you could put in a budget.
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The short answer
The main SAP Concur competitors are Navan, Expensify, Ramp, Brex, Zoho Expense, Emburse, Perk (formerly TravelPerk) and Egencia. Six of them publish a US price and Concur does not. Zoho Expense is the cheapest credible replacement at $3 per user per month billed annually on Standard and $5 on Premium. Navan Business is free for companies under 300 employees, with expense free for the first 5 users and $15 per user per month after. Ramp is free at the base tier with Ramp Plus at $15 per user per month. Brex is free on Essentials and $12 per user per month on Premium. Expensify is $5 per member per month on Collect and $18 on annual Control. SAP Concur itself quotes roughly $7 per expense report as a starting figure and negotiates everything else, which is the single biggest reason buyers start comparing it in the first place.
This page is the version neither of those can write. TripAgent.ai does not sell expense management, so we have nothing to win by telling you Concur is bad. What follows is every SAP Concur competitor that publishes a US price, in one dated table, plus the part the vendor pages leave out: what Concur actually costs, which of these products replace travel and which replace expense reporting, and the specific situations where staying on Concur is the right decision and switching is an expensive mistake.
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Why it works
Three things to settle before you compare Concur competitors
Decide which half you are replacing
SAP Concur is three products sold together: Concur Travel, Concur Expense and Concur Invoice. Most companies are unhappy with one of them. Ramp, Brex and Zoho Expense replace the expense half and do not book travel. Perk and Egencia replace the travel half and are not expense platforms. Only Navan seriously attempts both. Comparing a travel tool against an expense tool is how buyers end up with two subscriptions and the same problem.
Per report and per user are not comparable
Concur bills against expense reports. Almost every competitor bills per user per month. A 60 person company where 15 people file two reports a month is a very different bill under each model, and the crossover point moves with filing frequency rather than headcount. Work out your own report volume for a normal month before you read any quote, because it is the only number that makes the two models line up.
The switching cost is real and nobody quotes it
A Concur migration means rebuilding approval hierarchies, cost center mappings, policy rules and the ERP or accounting integration, then retraining everyone who files. Budget for a finance close run in parallel across both systems for at least one month. If your complaint about Concur is the interface, that project may cost more than the annoyance. If your complaint is the invoice, it usually does not.
What it handles
Tell it your trip, get a costed day-by-day itinerary
Share your destination, dates and budget and TripAgent.ai writes a day-by-day itinerary with real places, times and a cost estimate on every line. You set the preferences, approve anything, and let it run.
- Puts every SAP Concur competitor that publishes a US price in one dated table
- Separates the competitors that replace travel from the ones that replace expense reporting
- Explains what SAP Concur actually costs and why the number is hard to find
- Works the per report against per user arithmetic that decides which model is cheaper for you
- Names the company sizes each competitor genuinely fits
- Says plainly when staying on SAP Concur is the correct decision
- Is honest that TripAgent.ai is not an expense platform and does not replace either half of Concur
Honest comparison
Replacing SAP Concur against adding a planning layer to it
TripAgent.ai is not on the shortlist above, and it is worth being precise about why. It is not an expense platform and it does not replace Concur. It solves a different part of the trip: the planning and costing that happens before anyone books, which is work Concur has never done. Some companies on this page need a Concur replacement. Others need the thing Concur was never designed to be. The table below is the honest split.
| What you are deciding | Replacing SAP Concur | Adding TripAgent.ai |
|---|---|---|
| What the project is | A finance system migration with approval trees, cost centers and an ERP integration to rebuild | A subscription. Nothing to migrate and nothing to decommission |
| Time to value | Typically one to two quarters including a parallel close | Same day |
| Expense reports and reimbursement | Yes. This is the core of what you are buying | No. TripAgent.ai does not file, approve or reimburse expenses |
| Corporate cards and receipt capture | Ramp, Brex and Navan bundle a card. Concur does not issue one | No card, no receipt capture, no reconciliation |
| Planning and costing the trip before booking | None of them do this. Every one starts at a search box or a receipt | This is the whole product. A brief goes in, a priced day by day itinerary comes out |
| Handling a canceled flight | Concur and the travel platforms surface alternatives for someone to rebook | Rebuilds the affected day on request and re sequences what no longer fits |
| Published price | Varies. Concur negotiates; most competitors publish a per user rate | $19 a month, published, with a free account first |
| Best for | Companies whose problem is the cost, the interface or the reporting of expense management | Companies whose problem is the hours spent working out what a trip should be and what it will cost |
Concur competitors compared on published US price
This is the table the competitor blogs do not print, because a price table makes it obvious that several of these products are aimed at completely different buyers. Every figure came off the vendor's own pricing page in August 2026. Where a vendor does not publish a price, the row says so rather than repeating a number from a review site.
| Vendor | Published US price | Replaces which half of Concur | The catch |
|---|---|---|---|
| SAP Concur | No list price. Roughly $7 per expense report is quoted as a starting figure across the Base, Plus and Premium editions, falling as contracted volume rises | Travel, expense and invoice, sold as one suite | Everything of consequence is negotiated, including API access and the minimum volume commitment your discount is tied to |
| Zoho Expense | Free for 3 users. Standard $4 per user a month on monthly billing, $3 billed annually. Premium $6 monthly, $5 billed annually. Both paid plans bill a minimum of 5 users | Expense, plus a self booking tool on Premium | Autoscan is capped by plan at 20, 200 and 1,000 receipts per user a month. A separate active user model runs around $7 per user a month with overage at $9 |
| Navan | Navan Business is free for companies up to 300 employees. Expense is free for the first 5 users, then $15 per user a month. Enterprise is quoted | Both halves. The closest like for like replacement on this list | The free tier is the acquisition offer for the card and expense product. Read what happens at 301 employees before you standardize on it |
| Ramp | Free base tier. Ramp Plus $15 per user a month plus a platform fee scaled to team size, 20 percent off annual, 30 day trial | Expense and cards. Travel is a lighter add on | The economics assume your spend runs on Ramp cards. If it does not, the free tier is doing much less than the headline implies |
| Brex | Essentials $0. Premium $12 per user a month. Enterprise is quoted | Expense and cards | Same card dependency as Ramp, and Brex has historically been most comfortable with venture backed and larger companies |
| Expensify | Collect $5 per member a month with no annual commitment. Control $18 per member a month on an annual subscription, or $36 pay per use | Expense. Expensify Travel books trips at $15 per trip, or $25 when an agent handles a change | The widely quoted $9 rate is conditional on running essentially all approved USD spend on the Expensify Card |
| Perk (formerly TravelPerk) | Free tier at $0 with a 5 percent booking fee. Paid tiers at $99 and $299 a month with a 3 percent booking fee | Travel only. It is not an expense platform | The booking fee, not the subscription, is the real cost. On heavy travel the 5 percent free tier is the expensive one |
| Emburse | No published list price | Expense, and invoice through its wider suite | Quote driven like Concur, so the comparison you are trying to escape repeats itself |
| Egencia (Amex GBT) | No published list price | Travel, with an agent desk behind it | A managed travel relationship rather than a piece of software you switch on |
| Itilite | No published list price | Travel and expense | Quote driven, and the smallest US presence of anything on this list |
Two things fall out of that table immediately. The first is that the cheapest credible Concur replacement is Zoho Expense by a wide margin, and it is rarely the one buyers shortlist, because Zoho does not buy the comparison pages the way Ramp and Brex do. At $3 per user a month billed annually it is roughly a fifth of what an annual Expensify Control seat costs, and it covers receipt capture, approvals, corporate card feeds, per diem and multi currency.
The second is that three of the most heavily marketed options, Navan, Ramp and Brex, all have free tiers whose economics depend on you moving card spend onto their card. That is a legitimate business model and it can genuinely work out cheaper than Concur. It is just not free in the sense a finance team means when it writes a budget, and it changes who owns your payment rails.
Why do companies look for SAP Concur competitors?
The reasons cluster into four, and they are not equally good reasons to switch. Cost is the one people say out loud: Concur bills against expense reports, so the invoice grows with filing activity rather than with headcount, and a company that grows its travel faster than its team feels that immediately. The interface is the one people say in private, and Concur has carried a reputation for a dated, multi step filing flow for years.
The third is integration friction, particularly with accounting systems, where buyers routinely report that connecting Concur to what they already run is harder than the sales cycle suggested. The fourth is that Concur does not issue a corporate card, which means the expense data and the payment instrument sit in different places, and reconciliation is a job rather than a byproduct. Ramp, Brex and Navan all attack that fourth point directly, and it is the most substantive structural difference on this page.
What does SAP Concur actually cost?
There is no published list price, which is the honest answer and the reason this question is searched so heavily. The figure that circulates is approximately $7 per expense report as a starting point, quoted across the Base, Plus and Premium editions, with the rate falling as contracted volume rises. Everything else on the invoice is negotiated.
Two lines surprise buyers more than any others. The first is the minimum commitment: discounts are tied to committed volume, so a company that commits at its current filing rate and then travels less keeps paying at the committed level. The second is API access, which buyers routinely assume is included in a modern SaaS contract and which appears as its own line. Our full breakdown of what SAP Concur costs works through every line that can legitimately appear on the invoice, and Concur Expense pricing covers the expense module on its own.
Which Concur competitor replaces travel, and which replaces expense?
This is where most shortlists go wrong. SAP Concur bundles travel booking, expense reporting and invoice processing, so a company that replaces it with a single product usually discovers three months later that one of the three jobs is now homeless. The table sorts the field by what each product genuinely does.
| Product | Travel booking | Expense filing and reimbursement | Corporate card |
|---|---|---|---|
| SAP Concur | Yes, through Concur Travel | Yes, through Concur Expense | No |
| Navan | Yes | Yes | Yes |
| Ramp | Light travel booking | Yes | Yes |
| Brex | Light travel booking | Yes | Yes |
| Expensify | Yes, as a paid add on per trip | Yes | Yes |
| Zoho Expense | Self booking tool on the Premium plan | Yes | No, it reads existing card feeds |
| Perk (formerly TravelPerk) | Yes, with an agent desk | No | No |
| Egencia (Amex GBT) | Yes, with an agent desk | No | No |
| TripAgent.ai | Plans and prices the trip, then you book it | No | No |
Read down the middle column and the shape of the market is clear: the expense side is crowded and price competitive, and the travel side is thin and mostly quote driven. That is why Navan appears on every Concur competitor list. It is the only product that credibly claims both columns, and if your reason for leaving Concur is that you want one vendor rather than two, it is the shortlist of one.
It is also why so many companies end up running two subscriptions deliberately. An expense platform plus a travel tool frequently costs less than a bundled suite and each half is better at its job. The cost of that choice is a second integration and a second vendor relationship. If you are weighing it, our comparison of a travel management company against software covers the same trade off on the travel side.
Which SAP Concur competitor fits which company size?
Company size predicts the right answer here better than any feature comparison, because the products are priced and supported for different bands whatever their marketing says.
| Your situation | Usually the right shortlist | Why |
|---|---|---|
| Under 10 people filing expenses | Zoho Expense free tier, or Zoho Standard | Three users are free and Standard bills a minimum of five. Nothing else on this list is close on price at this size |
| 10 to 100 employees, cost is the complaint | Zoho Expense, Expensify Collect | $3 to $5 per user a month against a per report bill. The arithmetic is usually decisive and the migration is small at this size |
| Under 300 employees, want travel and expense together | Navan Business | Free below 300 employees with expense free for the first 5 users. Check what the 301st employee costs before you commit |
| Card spend is the real problem | Ramp or Brex | Both bundle the card, the controls and the reconciliation, which is the gap Concur structurally leaves open |
| Heavy travel, expense already solved | Perk or Egencia | Travel only tools with agent support. Keep your existing expense platform rather than replacing both at once |
| Large enterprise, multi entity, global | Navan Enterprise, Emburse, or staying on Concur | At this size the decision is a procurement exercise against negotiated terms, and Concur often wins it |
| The problem is planning trips, not filing them | A planning layer, not a Concur replacement | If your people spend hours working out what a trip should be and what it will cost, no expense platform touches that. This is the gap TripAgent.ai was built for |
The row buyers get wrong most often is the fourth. A company whose genuine pain is that receipts and card transactions live in separate systems will not fix it by moving from Concur to a cheaper expense tool, because the cheaper tool has the same structural gap. It fixes it by moving to a product that issues the card. That is a bigger decision than a software switch and it deserves to be made deliberately.
When should you stay on SAP Concur?
More often than a page listing competitors would normally admit. Concur is the incumbent in large enterprise travel and expense for reasons that are real, and there are four situations where switching is the more expensive path.
- You are multi entity and multi country. Concur handles complex entity structures, local tax treatments and global reimbursement in a way most of the cheaper competitors are still building toward.
- Your ERP integration works. A functioning integration between an expense system and SAP, Oracle or a mature NetSuite instance is an asset. Rebuilding it to save a few dollars per user a month is frequently a losing trade once you price the project honestly.
- You are mid contract with a volume commitment. Leaving early rarely releases you from the committed spend, so the saving is theoretical until the term ends. Time the evaluation to the renewal instead.
- Your complaint is the interface and nothing else. Retraining an entire company onto a new filing flow to escape a filing flow people have already learned is a poor trade unless the cost case stands on its own.
The reverse of that list is a clean case for switching: a single entity US company, filing volume that has outgrown a per report contract, an accounting integration that has always been painful, and a renewal date within a quarter. If three of those four are true, the evaluation is worth running properly.
Where TripAgent.ai fits, and where it does not
TripAgent.ai is not a Concur competitor and it would be dishonest to put it in the price table above as though it were. It does not file expense reports, it does not reimburse anyone, it does not issue a card and it does not reconcile a statement. If those are the jobs you need done, every product on this page is a better answer than this one.
What it does is the work that happens before any of those systems get involved. You give it the destination, the dates and the budget, and it returns a day by day itinerary with the flights, hotels and activities chosen, priced and put in order. When a flight is canceled you ask it to rebuild that day and it re sequences what no longer fits. Concur has never done that, and neither has any competitor on this list. That is why this page exists as a comparison rather than a pitch: the honest position is that most readers here need an expense platform, and a minority need the thing none of them build.
Why TripAgent.ai
One travel agent that plans, sequences and prices for you
Not a blank search box, not a dozen research tabs, and not a bare list of attractions. Your whole trip planned day by day, with real places, times and a cost on every line, and any day rebuildable in one click.
Day-by-day itinerary
TripAgent.ai turns your destination, dates and budget into a realistic day-by-day plan, with the right pace and travel times built in, not a blank search box.
Prices everything
Every place, meal and ticket carries a cost estimate, with a total per day and for the trip, matched to your budget, so you know the number before you go looking to book.
Rebuilds any day on request
A change of plans or a closed attraction, and you rebuild that one day while the rest of the trip stays exactly as it was.
Good questions
Questions US buyers ask about SAP Concur competitors
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