Expensify vs Concur: pricing, cost per report and cost per user compared

Last updated August 2026

That distinction matters because almost every Expensify vs Concur article on the internet quotes Concur in dollars per user per month, usually as a range somewhere between $9 and $24. Concur's own pricing page does not price that way at all. Read on August 5, 2026, concur.com/about/pricing lists three plans: Base at approximately $7 per report with unlimited users, Plus at approximately $11 per report with unlimited users, and Premium at custom pricing. The tilde is Concur's own, and the page adds its own qualifier, that price can vary based on monthly commitment and that the more you purchase with your contract, the less you pay per report. A per user estimate for those published plans is modeling the wrong unit.

It is also worth retiring the claim that SAP Concur publishes no pricing at all. That was true for years and is repeated constantly, including by buyers who have not looked recently. Concur now publishes Base and Plus with prices and a self-serve buy option. What remains genuinely unpublished is Premium, which is quote only, and implementation cost, which Concur does not publish for any tier. We are not going to put a number on Concur implementation, because the vendor does not publish one and the third party figures circulating are not sourced from Concur.

On the Expensify side the number that needs correcting is $9. It appears in most comparisons as though it were the Control price. Per Expensify's own billing documentation, Control lists at $18 per member per month within your annual subscription size, and $36 per active member per month above that size or on pay per use. Collect is $5 per unique member per month on pay per use. The $9 only exists at the maximum Expensify Card discount, and Expensify's rule is specific: the discount is calculated from the percentage of all approved USD expenses in your workspace during the billing month that were incurred on the Expensify Card, and it rises proportionally as that percentage rises, capped at 50 percent. So $9 is the price at effectively full card adoption, not the price of the plan.

One more Expensify billing rule moves the math in both directions. Expensify bills active members rather than everyone with a login, meaning people who created, edited, submitted, approved or exported expense data, or chatted with Concierge, in that billing month. If only a third of your staff files expenses, that is genuinely favorable. But approving a report is billable activity, so your approvers count too. Count approvers, not just submitters, before you multiply.

Here is the practical way to decide. Work out your average reports per person per month, then compare. Against Expensify Collect at $5 per member, Concur Base at $7 per report is cheaper only while the average person files fewer than about 0.7 reports a month. Against Control at $18 per member on an annual subscription, Concur Base stays cheaper until roughly 2.6 reports per person per month. Above those crossover points Concur's per report meter keeps climbing while Expensify's per member price stays flat, because Expensify does not care how many reports each member files. Below them, Concur's unlimited users model is hard to beat, especially for a company where a few hundred people occasionally submit something and only a handful file monthly.

Beyond price, the two products fit different companies, and it is fair to say so. Concur is the enterprise incumbent: deep travel booking, global tax and VAT handling, audit and compliance controls, and the integrations large finance organizations need. Buyers most often complain about the interface feeling dated and about how long configuration takes. Expensify is the stronger product for the specific loop of scanning a receipt, filing a report and getting reimbursed, and small teams get running in an afternoon. Buyers most often complain that it thins out once policy, entity structure and approvals get complicated. If you are under about 100 people and expense reports are the job, Expensify usually wins. If you have international travel, multiple entities and an audit committee, Concur is the safer choice, and its per report pricing genuinely rewards you for having many occasional submitters.

There is a third answer neither vendor will offer, and it is the reason this page exists. Both of these products are built around the expense report as the unit of work, which is why one charges you per report and the other charges you per person who files them. If what you actually need is for receipts to be read and coded correctly, for policy to be checked as spend happens, for finance to see spend in real time and for waste to surface before it renews, you can buy that outcome directly. Expenditure reads every receipt and codes it to the right GL account from your own connected chart of accounts, checks each transaction against your expense policy as it lands, gives finance a live view across cards, vendors and subscriptions, and flags duplicate tools, unused seats and price creep before renewal. It runs on the Visa and Mastercard cards and the banks you already have, on transparent per seat pricing, with no report meter and no card program attached.

It is worth being just as plain about what Expenditure does not do, because for some buyers it will be disqualifying. Expenditure books no travel, issues no corporate cards, underwrites no credit, pays no bills and never moves or holds your money. If you need an online booking tool with negotiated airline content, buy Concur. If you need a card and a credit line bundled with the software, buy Ramp or Brex. Expenditure only makes sense when the card and travel sides of your stack are already handled and the coding, policy and visibility work is what costs your team its month end. It is bank grade secure, it never sells or trains on your financial data, and it is software and insight rather than financial, tax or accounting advice.