Ramp vs Concur pricing: Concur vs Ramp cost per user and per report, and which is cheaper for your team in 2026

Start with the Concur meter, because most comparison articles get it wrong and print a per-user price that Concur does not publish. Concur's pricing page lists three plans. Base, starting at $7 per report, includes Concur Expense. Plus, starting at $11 per report, adds ExpenseIt, the receipt capture app, plus the User Support Desk and Reporting. Premium, custom priced, adds Concur Travel, Intelligence and more. All three say unlimited users, and the page carries one line that matters in negotiation: price can vary based on monthly commitment. Read that as a volume schedule. The more reports you commit to each month, the lower the per-report rate, and the starting-at figures are the top of that schedule.

Now the Ramp meter. Ramp's free plan is $0 per user per month and includes unlimited corporate cards, auto receipt collection and matching, expenses completed by SMS or Slack, a custom travel policy with flight, hotel and car booking, bill pay by ACH, card, check or wire, and QuickBooks Online and Xero integrations. Ramp Plus is $15 per user per month plus a platform fee based on team size, with 20 percent off for annual billing, and adds NetSuite, Sage Intacct and more integrations, AI-driven expense reviews, reimbursement limits and weekly batched reimbursements. Enterprise is custom, billed annually, and adds Workday and Oracle Fusion Cloud. Ramp does not print the platform fee, so the $15 is a floor.

Put the two meters on the same 25-person team and the answer depends entirely on filing habits. If each person files one expense report a month, Concur Base costs 25 reports at $7, which is $175 a month and $2,100 a year, and Concur Plus with ExpenseIt costs $275 a month and $3,300 a year. If people file weekly, which is common where card statements are reconciled every week, the same team generates about 100 reports a month: $700 a month and $8,400 a year on Base, $1,100 a month and $13,200 a year on Plus, before any volume discount. Ramp Plus for the same 25 people is $375 a month billed monthly or $300 a month billed annually, $4,500 or $3,600 a year, plus the platform fee, and the number does not move whether people file weekly or never. Ramp's free plan is $0, provided the spend runs on Ramp cards and your books are in QuickBooks Online or Xero.

That is the first rule of this comparison: Concur gets more expensive the more disciplined your filing is, and Ramp does not. A company that wants receipts submitted the day they are incurred, one report per trip or per week, is buying the expensive end of Concur's meter. A company that batches everything into one monthly report per person is buying the cheap end. Ask your controller which one you are before you read any other number.

The second rule is the card. Concur is card-agnostic: it imports transactions from the corporate cards you already have, and it never asks you to change bank or card program. Ramp's $0 exists because Ramp earns interchange on its own card, so the price of the free plan is moving your card spend. If your company has a bank credit line it relies on, a rewards card it wants to keep, or a card program that procurement negotiated, Ramp's free plan is not free for you, and the comparison becomes Ramp Plus against Concur.

The third rule is the accounting system. Ramp puts QuickBooks Online and Xero on the free plan and NetSuite and Sage Intacct on Plus. Concur's pricing page lists no integrations by plan at all, so the connector to your ERP is a question for the Concur quote, not a line you can read. Concur belongs to SAP, and companies running SAP as their ERP will find that the natural reason to shortlist it.

Receipt capture is a real difference in what the entry plans include. Ramp's free plan lists auto receipt collection and matching. Concur's Base plan does not include ExpenseIt; the receipt app sits on Plus at $11 per report. A company choosing Concur Base gets Concur Expense without the mobile capture layer that most people picture when they imagine a modern expense tool, and pays $4 more per report to add it.

Travel runs the other way. Ramp includes basic travel booking and a custom travel policy on the free plan. Concur puts Concur Travel on Premium, which is custom priced, and that is the product companies with heavy travel programs and negotiated hotel and airline rates actually buy. If travel is a large budget line and you want booking, policy and expense in one enterprise system with a support desk behind it, Concur Premium is the serious option and we would rather say so than pretend Ramp's travel layer competes at that level.

Payables is Ramp's clearest advantage. The free plan includes bill pay with invoice capture, and Ramp publishes its per-payment fees: $0.59 for a standard ACH, $1.99 for a mailed check, $10 for same-day ACH, $15 for a domestic wire and $20 for an international USD wire, waived except overnight checks and check attachments when you pay from a Ramp checking account. Ramp also files 1099s at $0.65 per IRS filing with free state filing. Concur Invoice exists, but it is not on the published expense price list, and the pricing page shows only Expense on Base and Plus.

The right buy, stated plainly. Choose Ramp if you will move card spend, your books are in QuickBooks Online or Xero, and you want expense, cards and bill pay in one place at $0. Choose Concur if you run SAP or need an enterprise travel program, you keep your existing cards, and your people file monthly rather than weekly, which keeps the per-report meter low. If you run NetSuite or Sage Intacct and keep your cards, the honest comparison is Ramp Plus with its platform fee against a Concur quote at your real report volume. Ramp's own versus page and Concur's both argue their case; the figures above are the ones they publish.

Expenditure is the option for the company that keeps its cards and does not want a per-report meter. We run on the Visa and Mastercard cards and bank accounts you already have, so there is no card program to adopt. We read each receipt, decide which GL account the charge belongs to from the context around it rather than copying last time's code, check it against your written expense policy as it lands, match it to the card transaction and sync one clean record into QuickBooks, Xero or NetSuite. We also watch spend across every card, vendor and subscription and flag duplicate tools, unused seats and price creep, which neither Concur nor Ramp goes looking for.

Expenditure costs $20, $35 or $55 per seat per month billed yearly, with no per-report charge, no platform fee and no travel product. That is more than Ramp's free plan, and at 25 people filing weekly it is less than half of Concur Plus. We never move or hold your money. We are bank-grade secure with role-based access, and we never sell or train on your financial data. This is software and insight, not financial, tax or accounting advice, and your finance team makes every call.