SAP Concur's competitors split into three groups, and which group you shop in is decided by something most comparison articles never mention: Concur bills per expense report with unlimited users, and almost every alternative bills per person. Travel-first platforms (Navan, and Perk, formerly TravelPerk) replace Concur Travel. Expense-first subscriptions (Expensify, Zoho Expense, Sage Expense Management, Emburse) replace Concur Expense. Card platforms funded by interchange (Ramp, Brex, BILL Spend and Expense) replace the card program underneath both. Work out which of the three you are actually leaving before you read a single feature grid.
Every price below was read on the vendor's own published page on August 31, 2026. Where a vendor publishes nothing, this article says so and names the URL that returned nothing, rather than repeating an analyst estimate, because none of those estimates bind anybody in a negotiation.
Concur competitors compared on published pricing
| Competitor | Published US price, read August 31, 2026 | How it charges | Which part of Concur it replaces | Best suited to |
|---|---|---|---|---|
| SAP Concur (for reference) | Base starting at $7 per report, Plus starting at $11 per report, both with unlimited users. Premium is quoted | Per expense report, not per person. Concur states price varies with monthly commitment | n/a | Companies where a minority of staff travel and file reports |
| Navan | Navan Business, up to 300 employees: travel free, expense free for the first 5 users, then $15 per user per month. Navan Enterprise is quoted | Per expensing user, funded by commission on travel booked through it | Concur Travel and Concur Expense together | Companies whose largest controllable cost is travel |
| Perk (formerly TravelPerk) | Travel: Starter $0 a month plus 5% per booking, Premium $99 a month plus 3%, Pro $299 a month plus 3%. Expense: Premium from $11 per user per month with travel or $13 standalone, Pro from $13 or $15 | Percentage of each booking plus a monthly platform fee, with expense sold per user on top | Concur Travel first, Concur Expense second | Teams that book a lot and want the booking fee visible |
| Expensify | Collect a flat $5 per member per month with no annual commitment and no card requirement. Control $18 per member per month on an annual subscription and $36 for active members above your subscription size, both reduced up to 50% by Expensify Card usage, to $9 and $18. Pay-per-use Control is $18 | Per member, monthly in arrears | Concur Expense only | Small and mid-sized teams that want a visible price and no card switch |
| Zoho Expense | Free tier available. Standard $4 per user per month monthly or $3 annually, Premium $6 or $5. An alternative active-user model runs $7 and $9. Self-booked travel is a $9.99 per trip add-on | Per user, or per active user if you choose that model | Concur Expense, with light travel booking | Cost-sensitive teams, especially those already inside Zoho |
| Sage Expense Management (formerly Fyle) | Growth $11.99 per active user per month billed annually, minimum billing 5 users. Business $14.99 per active user per month, minimum 10 users. Enterprise custom for 250 or more employees | Per active user, with a seat floor | Concur Expense, on the cards you already carry | Teams that want real-time card feeds without changing cards |
| Ramp | Free $0 per user per month. Plus $15 per user per month plus a platform fee based on team size that Ramp names but never quantifies. 20% off annual billing | Per user, plus interchange on the Ramp card | Concur Expense, plus the card program underneath it | Companies replacing their corporate card at the same time |
| Brex | Essentials $0 per user per month. Premium $12 per user per month | Per user, plus interchange on the Brex card | Concur Expense, plus the card program | Startups and scaleups adopting a card program anyway |
| BILL Spend and Expense (formerly Divvy) | No subscription figure published. The product page carried no price and bill.com/product/spend-and-expense/pricing returned HTTP 404 | Free software funded by interchange on the BILL Divvy card | Concur Expense and budget controls | Teams that will adopt the card to avoid a per-seat fee |
| Emburse (Certify, Chrome River) | Emburse Spend is $8 or $12 per user per month with a 15-user billing minimum. Emburse Professional (formerly Certify) and Emburse Enterprise (formerly Chrome River) publish no price. See our Emburse pricing breakdown, read September 10, 2026 | Per submitting user on Spend, quoted on Professional and Enterprise | Concur Expense and Concur Invoice, at similar scale | Mid-market and enterprise buyers replacing Concur like for like |
| Rippling | No dollar figure for the expense module anywhere on its pricing page | Per employee per month, as a module on the HR platform | Concur Expense, folded into payroll and HR | Companies consolidating HR, payroll and spend with one vendor |
| Coupa | Publishes no price. Quote only on every check | Enterprise license | Concur Invoice and Concur Expense inside a procure-to-pay suite | Large companies buying sourcing and procurement at the same time |
| Expenditure | Priced at $12, $21 and $33 per seat per month billed yearly | Per user. No cards, no travel booking, no payment rail | The reading and coding layer under Concur Expense | Teams that will not switch cards or booking tools to get expense software |
One column in that table explains more than all the others. Concur charges per expense report with unlimited users. Every serious alternative charges per person. Those are not two prices for the same thing, they are two different bets on how your company behaves, and the switch only saves money in one of them.
Who are Concur's competitors?
Concur's direct competitors are Navan, Perk (formerly TravelPerk), Expensify, Zoho Expense, Sage Expense Management, Emburse, Ramp, Brex, BILL Spend and Expense, Rippling and Coupa. In US deals, the shortlist a finance team actually runs is usually much shorter: Navan or Perk if travel booking is the reason you have Concur, Expensify or Zoho Expense if you only need expense reports, and Ramp or Brex if the corporate card is up for renewal too.
The reason those eleven names get lumped together is that Concur is not one product. It is Concur Travel for booking, Concur Expense for reports and reimbursement, and Concur Invoice for supplier bills, sold as a suite. Most of its competitors replace exactly one of the three, which is why a like-for-like comparison so rarely exists.
What are SAP Concur's biggest competitors?
By deal size and enterprise presence, the biggest are SAP Concur's fellow suites: Coupa and Emburse in the large-account market, and Navan as the best-funded travel-and-expense challenger. By sheer number of US companies switched, Expensify, Ramp and Brex win, because they take the small and mid-sized accounts where Concur's implementation cost is hardest to justify.
Size matters less than fit here. A 40-person company losing an argument with Concur's configuration is not going to win it with Coupa. A 4,000-person company with six entities and a global travel policy will not be served by a $5 per member expense app, whatever the review site says.
How much does SAP Concur cost?
SAP Concur publishes two figures on its own US pricing page, which is more than most people expect: Base starting at $7 per expense report and Plus starting at $11 per expense report, both with unlimited users, with a Premium tier that is quoted. Those figures come from concur.com/about/pricing. Concur adds on the same page that price can vary based on monthly commitment, and that the more you purchase under contract, the less you pay per report.
The word starting is doing serious work in both figures, and the per-report unit is doing even more. Unlimited users means you are not paying for the 180 people who never expense anything. You are paying for the reports the 20 travelers file. That is the opposite of how every per-seat competitor bills, and it is why the same company can get wildly different answers from two honest calculators.
When is Concur actually cheaper than a per-user alternative?
Do the arithmetic once and it settles most of the argument. At Concur Base starting at $7 per report against Expensify Collect at a flat $5 per member per month, Concur is cheaper whenever the average employee files fewer than about 0.71 reports a month, which is five divided by seven. Below that ratio, per-report billing wins. Above it, per-member billing wins, and it wins by more the busier your team gets. We work the same numbers per person against Ramp, Navan and Brex in Concur cost per user, with a priced 14-person example.
Two worked examples from those published rates. A 200-person company where 25 people travel and each files one report a month runs 25 reports, so roughly $175 a month on Concur Base against $1,000 a month if you put all 200 people on a $5 per member plan. Now take a 60-person consultancy where everyone expenses something and files two reports a month: that is 120 reports, roughly $840 a month on Concur, against $300 a month on the same $5 plan. Same two vendors, opposite verdicts, and the only variable that moved was reports per head.
Before you use that ratio, check one thing on the competitor's side: whether the per-person fee counts every seat or only active users. Sage Expense Management bills per active user with a minimum of 5 or 10 seats. Expensify Control bills $36 per member per month for active members above your subscription size. Zoho sells a flat model at $3 to $5 and an active-user model at $7 to $9. Those definitions swing the answer as hard as the headline rate does.
Concur travel competitors
If what you want to leave is Concur Travel, the real alternatives are Navan and Perk, which rebranded from TravelPerk during 2026 (travelperk.com now redirects to perk.com, checked September 1, 2026), and both are funded differently from a subscription. Navan Business gives travel away for companies up to 300 employees and earns on the bookings that flow through it. Perk publishes the trade openly: Starter is $0 a month plus 5% of every booking, Premium is $99 a month plus 3%, and Pro is $299 a month plus 3%.
That percentage is the thing to model, because it scales with your travel spend rather than your headcount. A company booking $500,000 a year through Perk Starter is paying roughly $25,000 in booking fees for software described as free. On Premium the rate drops to 3% and the $99 monthly fee is rounding error by comparison. Vendors that do not print the percentage are still earning one.
Concur expense competitors
For Concur Expense alone, the field is Expensify, Zoho Expense, Sage Expense Management, Emburse, Ramp and Brex. The split that matters is whether the vendor needs you to change cards. Expensify, Zoho Expense, Sage Expense Management and Emburse all work with the commercial cards you already carry. Ramp, Brex and BILL Spend and Expense give the software away because they issue the card and earn interchange on it.
Expensify removed the condition that used to muddy this comparison. Its Collect plan is now a flat $5 per member per month with no annual commitment and no requirement to adopt the Expensify Card, so the advertised number is finally the number. On Control the old structure survives: $18 per member per month on an annual subscription, $36 for active members above your subscription size, and up to a 50% discount to $9 and $18 if you do put spend on their card.
Concur pricing for small business
Concur sells to small businesses through the same Base tier, starting at $7 per report with unlimited users, and on paper that suits a small company where two or three people travel. Where small buyers get caught is not the license, it is the implementation and the configuration. Approval hierarchies, policy rules, tax handling and an accounting integration are set up as a project, and enterprise software assumes somebody on your side owns that project.
If nobody at your company has time to own a configuration project, the honest small-business answers in this table are Zoho Expense at $3 to $5 per user per month, Expensify Collect at a flat $5 per member, or the card platforms if you are replacing the card anyway. Our comparison of expense management platforms sorts all fourteen by who funds the vendor, which is usually a faster filter than any feature list.
Is Concur good for small business?
It can be, and the per-report unit is the reason: a five-person company filing four reports a month is looking at a very small license fee. The mismatch is rarely the price. It is that Concur is built for companies with a travel policy, multiple approval levels, several entities and somebody whose job includes administering the system. A small business usually has none of those, so it buys enterprise flexibility it will never configure and pays for it in setup time rather than in subscription.
Is Concur an accounting software?
No. Concur is travel, expense and invoice software, and it posts results into an accounting system rather than being one. It has no general ledger, produces no financial statements and files no tax returns. You still need QuickBooks, Xero, Sage Intacct or NetSuite underneath it. The confusion is understandable, because Concur Invoice touches supplier bills and Concur Expense touches reimbursements, and both of those end up as journal entries somewhere.
Alternatives to Concur Expense if you want to keep your travel agency
This is the most common real requirement and the one most shortlists handle worst. Plenty of US companies have a travel management company they like, a negotiated hotel program, or an airline relationship they are not giving up. If that is you, every travel-first alternative is disqualified before the demo, because Navan and Perk are paid by the bookings you would be sending elsewhere.
What is left is the expense-only field: Expensify, Zoho Expense, Sage Expense Management and Emburse, plus a card platform if you are also replacing the card. Ask each one how bookings made outside their system arrive as expenses, because the answer ranges from a live card feed that codes the charge automatically to a manual receipt upload nobody will do.
How hard is it to migrate off SAP Concur?
The license is the easy part. Three things make these migrations run long. Your card feeds have to be re-established with each issuer, and commercial card feed setup runs on the issuer's timeline, not the vendor's. Your accounting integration has to be rebuilt so the chart of accounts, classes and entities map the same way, or your first month of exports lands in the wrong places. And your approval rules have to be rewritten from scratch.
Approval routing is the piece most migrations underestimate, because those rules encode years of decisions about who signs off on what and at which threshold. It is the same underlying problem as routing any inbound request to the right owner automatically, and it does not survive a copy and paste between platforms. Export your current rule set, count how many exceptions it contains, and get that number in front of the new vendor before you sign.
Keep the old system readable for a while. Historical expense records support audits and tax positions for years, so export the underlying reports and receipts rather than assuming continued access to the account you are cancelling.
Concur software competitors that are not travel companies
If travel is genuinely not your problem, the useful shortlist narrows to Expensify, Zoho Expense, Sage Expense Management, Emburse and the card platforms, plus a document layer underneath any of them. Most of the pain finance teams attribute to Concur is not booking or reporting at all. It is receipts that never arrive, line items that need a human to code, and supplier invoices that show up as PDFs in an inbox.
That layer is what Expenditure does: it reads receipts and supplier invoices at line level, proposes a GL account per line from how your team coded that vendor before, matches each document to the card or bank transaction it belongs to, and posts the coded result to QuickBooks, Xero or NetSuite with the original attached. It issues no cards, books no travel and never moves or holds money, so nothing else in your stack has to change to try it.
What should you ask every Concur competitor before you switch?
Five questions, and they are worth more than any demo. First: is the price per report, per seat or per active user, and what exactly counts as active, in writing. Second: does the quoted rate require adopting your card or your booking tool, and what happens to the price if we do not. Third: how do commercial card transactions arrive, as a live feed or a nightly file, on our specific card products by name. Fourth: what does the accounting write-back include, and does it push the source document as well as the amount. Fifth: what is the implementation fee, quoted at the same time as the license rather than after.
Ask the same five of Concur at renewal. Concur's own page says the more you purchase under contract, the less you pay per report, which is an invitation to negotiate that most customers never take up. A credible alternative on the table is what makes that conversation work, and running the report-per-head arithmetic above is what tells you whether you have one.
Related reading
For the full field sorted by funding model rather than feature list, see our comparison of expense management platforms. For Concur's own numbers in detail, see SAP Concur pricing, and for the head-to-head that comes up most often, Expensify vs Concur. If you have already decided to leave, the Concur alternative page covers what changes on day one. The wider roundups are the best expense management software in 2026 and Expensify competitors.