Concur vs Expensify: pricing, cost per report and which one fits your team

What is the main difference between Concur and Expensify?

They charge for opposite things. SAP Concur bills per transaction, so its meter runs on expense reports submitted, trips booked and invoices processed, and all three of its editions state unlimited users. Expensify bills per member of the workspace each month and lets those members file as many reports as they like. Every other difference between the two products is downstream of that one decision.

The second difference is how you buy. Expensify is a self-serve signup: card on file, workspace created, nobody calls you. Concur is sales-led, and that is not an accident of the website. SAP will give you a 15-day trial of Concur Expense, but there is no checkout anywhere on the site, and the quote form asks for your monthly expense report volume in bands, which tells you the shape of company it expects to be talking to. Budget several weeks for a Concur purchase and an afternoon for an Expensify one.

The third is depth at the far end. Concur is a genuine enterprise system with the ERP integration, invoice and purchase-request workflow, audit rules and multi-entity handling that a large finance organization needs, and Expensify does not seriously compete there. Expensify is faster, cheaper to start, and considerably more pleasant for the person actually filing the report. Both statements are true at the same time and neither is a criticism.

Is Expensify cheaper than Concur?

It depends entirely on how often your people file, and you can work out the answer in about two minutes. Concur Base starts at roughly $7 per expense report. Expensify Collect is $5 per member per month with unlimited reports. So one member costs $5 a month on Expensify no matter what, and costs $7 times however many reports they file on Concur. The two lines cross when the average member files about 0.7 reports a month, which is roughly eight or nine a year.

Run the same arithmetic against Expensify Control and the crossover moves. At $18 per member on an annual subscription, Control matches Concur Base at about 2.6 reports per member per month. At the fully discounted $9 rate, it matches at about 1.3. At the $36 pay-per-use rate, about 5.1. Those four numbers are the whole comparison, and they are worth writing on the same page as your last twelve months of filing data.

• Under 0.7 reports per member a month: Concur Base is the cheaper shape
• Over 0.7: Expensify Collect at $5 is cheaper, and the gap widens fast
• Comparing to annual Control at $18: the crossover is about 2.6 reports
• Comparing to fully card-discounted Control at $9: about 1.3 reports
• Comparing to pay-per-use Control at $36: about 5.1 reports
• Many staff who rarely file favors Concur. Few staff who file constantly favors Expensify

Why is Concur more expensive?

Often it is not, and the perception comes from three things that have little to do with the per-report rate. The first is that the roughly $7 starting figure is exactly that, a starting figure. Concur states that price varies based on monthly commitment and that the more you purchase under contract, the less you pay per report, which means a small buyer sits at the expensive end of a curve built for large ones.

The second is what the entry edition leaves out. The Base plan card lists Concur Expense on its own. ExpenseIt receipt capture and the User Support Desk start at Plus, and Concur Travel appears on the Premium card. A company that assumed Base included travel booking and 24/7 help will get a quote well above the number it had in its head, and will experience that as Concur being expensive rather than as having priced the wrong tier.

The third is everything around the software. Concur publishes no implementation fee, no minimum term and no contract length, and we are not going to repeat the figures that circulate on third-party sites because none of them trace back to SAP. Ask for all three in writing before you compare anything to Expensify, where the total cost really is the number on the page.

Does Concur charge per expense report?

Yes. That is the core of its pricing model, and it is unusual enough in 2026 that it catches buyers out. Concur describes its approach as usage-based: you pay according to how much the platform is used, measured in expense reports submitted, trips booked or invoices processed, rather than by how many people have a login. The published starting point is about $7 per expense report, and the rate falls as contracted volume rises.

There is a real advantage buried in that model which per-seat vendors cannot match. A 400-person company where only 60 people ever travel pays Concur for the reports those 60 file, and nothing for the other 340 logins. On any per-member platform, a dormant member is still a billed member unless you actively remove them. If your organization is large and your travel is concentrated in a small group, Concur is structurally the cheaper design and it is worth getting a quote even if the brand feels oversized for you.

The mirror image is just as real. A 25-person agency where everyone files weekly generates around 100 reports a month, which is roughly $700 on Concur Base against $125 on Expensify Collect. The unit that looked like a bargain becomes the problem. Neither vendor is being unfair here; they have simply optimized for different customers, and your filing pattern picks the winner.

Is the $9 Expensify price real?

It is real but conditional, and it is the most misquoted figure in this category. Expensify Control lists at $18 per member per month on an annual subscription and $36 per member pay-per-use. Annual Control workspaces earn a discount of up to 50 percent, which takes $18 to $9 and $36 to $18, but that discount is calculated from the percentage of all approved dollar expenses in the workspace during the billing month that were incurred on the Expensify Card.

That is a proportional mechanism, not a threshold you cross once. Run every dollar of approved spend on the Expensify Card and you reach $9. Split spend across two card programs, which most companies with an existing bank relationship do, and you land somewhere between $9 and $18, recalculated every single month. Budget at $18 and treat anything below it as a saving you earn.

There is a second mechanic on annual Control worth knowing before it appears on an invoice. You nominate a subscription size and are billed $18 for every member inside it whether they were active that month or not, plus $36 for each active member above it. Nominate too low and a busy month costs double at the margin. Nominate too high and you pay for empty seats. Collect avoids the question entirely by being pay-per-use only, with no annual option at all.

Which is better for a small business?

For most US companies under about 100 people, Expensify is the easier answer, and the reason is not really price. It is that you can have it working before lunch. You sign up, connect QuickBooks Online or Xero, invite the people who file, and the whole evaluation costs you an afternoon. Collect at $5 per member covers receipt scanning, approval, ACH reimbursement and the accounting sync that most small finance teams actually need, and there is no annual commitment to argue about.

Concur is genuinely buildable at that size and its entry rate is not expensive in absolute terms, but you are running a procurement process to get there: a demo, a quote against banded volume, a decision about the support desk, and a separate decision about the travel management company that will service any travel you book through it. That is a reasonable amount of work for a twenty-person company, and it only pays off if you have a requirement Expensify cannot meet.

The requirements that genuinely flip it: a real ERP rather than QuickBooks or Xero, invoice and purchase-request workflow alongside expense, multiple legal entities, formal audit rules, or a large population of occasional travelers where per-seat billing would charge you for hundreds of people who file twice a year. Our guide to Concur pricing for small business works through what a smaller company should ask on the quote call, and small business travel management covers the travel half.

Can Concur or Expensify book business travel?

Both can, and both do it as a secondary product rather than the main event. Concur Travel is an online booking tool built to work with any travel management company or GDS, which means it handles search, policy and approval while a travel agency you appoint handles ticketing, changes and out-of-hours servicing. It appears on the Premium plan card, so it is not part of the entry price. Concur also offers Complete with Amex GBT, which folds booking, servicing and expensing into one arrangement, though no pricing for it is published.

Expensify Travel is simpler and, for a small team, better value than most people expect. It books flights, hotels and car rentals, charges a flat $15 per trip covering all components as a single booking, and includes 24/7 support and duty of care. Changes a traveler makes themselves are free; a change routed through an agent is $25. On a $2,400 international itinerary a flat $15 is dramatically cheaper than the percentage models most travel platforms use. On a $180 domestic hop, the comparison flips.

What neither one does is plan the trip. Both hand a traveler a policy-wrapped search box and wait. Nobody decides which two days in Chicago make sense, nobody sequences the meetings against the flights, and when a flight is canceled at 6am nobody rebuilds the affected day. For a lot of small US companies that unbilled hour, repeated on every trip, costs more than either subscription. Compare how the travel-first platforms handle it in the Navan vs Concur comparison, or start from the travel and expense management software overview.

What if the expense report is not actually your problem?

It is worth checking, because both of these products assume it is. If your monthly close is late, your receipts are missing and your coding is guesswork, buy one of them and it will help. That is a real problem and this is a mature category that solves it well.

But a fair number of the companies that end up on this comparison page do not have an expense problem. They have a travel problem that produces expense symptoms. Trips get planned in browser tabs at 11pm, someone books outside policy because the compliant option took too long to find, and a cancellation eats an afternoon. No expense platform touches any of that, because all of it happens before the receipt exists.

TripAgent.ai is built for that half. You describe the trip in a sentence and the AI plans the day-by-day itinerary, prices and sequences every day inside the budget you set once, and rebuilds any day on request. It is a flat subscription from $19 a month with no percentage on bookings and nothing charged per expense report. Try it with a trip you actually need to take using the planner at the top of this page.

The honest limits, so nothing is a surprise later: TripAgent.ai is not an expense platform. It does not issue corporate cards, run reimbursement, code to a general ledger or replace either product on this page. Most teams that use it keep Expensify or Concur for the close and hand it the trip. If a free platform is also on your shortlist, Concur vs Ramp covers the one competitor whose software costs nothing and whose real price is a cash and entity requirement. If you want the wider field first, the corporate travel software pricing pillar compares eleven vendors on published US rates, and the Expensify alternative page covers the travel-side gap in more detail.