Buyers look past SAP Concur when per-report pricing grows with volume, when the useful features sit in a quoted Premium tier, or when they want cards and expenses in one newer product. Most go to Navan for travel with expense, to Zoho Expense or Rydoo for low per-user pricing, or to Ramp and Brex if they also want corporate cards.
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What each alternative does differently
1. Navan
Travel booking and expenses in one app · United States
Travel booking and expense in one product. Navan Business is aimed at companies up to 300 employees, with travel free and expense free for the first five users, then $15 per user per month. Enterprise is quoted. Cards are optional, and existing corporate cards can be connected.
Switch from SAP Concur if you book travel through Concur and want booking and expenses in one newer product.
Pricing: Navan Business is free for companies up to 300 employees, with expense management free for the first five users; Navan Enterprise is quoted. Navan cards are optional, and existing corporate cards can be connected. (free plan)
Full review: #8 of 13 in our ranking ·
Visit Navan →
2. Expensify
Receipt scanning and reimbursement for any card · United States
A per-member expense tool built around receipt scanning and reimbursements, with its own card. Concur bills per report with unlimited users, whereas Expensify bills per member. We could not read its prices on the pages we fetched, so confirm them directly.
Switch from SAP Concur if your reports are many and small and per-member billing suits you better than per-report.
Pricing: Published per-user monthly pricing with discounts for annual commitments and for using the Expensify Card. (free trial)
Full review: #2 of 13 in our ranking ·
Visit Expensify →
3. Zoho Expense
Low-cost expense reports, travel requests and card feeds · India
Per-user pricing with a free plan limited to three users. Standard is $4 per user per month on monthly billing, Premium $6, and a quoted tier starts at 100 users. Premium adds employee self-booking through an online booking tool. It is a lighter product than Concur.
Switch from SAP Concur if you want low published per-user prices and a free plan for a small team.
Pricing: Free plan for up to three users; Standard and Premium are priced per user per month at low published rates, with an active-user pricing option and a 14-day free trial. (free plan)
Full review: #7 of 13 in our ranking ·
Visit Zoho Expense →
4. Ramp
Corporate card, expenses and bill pay for US companies · United States
A card-led platform where a free plan includes cards, expenses, travel and bill pay. Plus is $15 per user per month plus a platform fee based on team size. It moves card spend and expenses into one system, so you also change card issuer.
Switch from SAP Concur if you are willing to move to a new corporate card as part of the change.
Pricing: Free plan with cards, expenses, travel and bill pay; Plus costs $15 per user per month plus a platform fee and adds multi-entity and deeper controls, with procurement as an add-on; Enterprise is quoted. (free plan)
Full review: #4 of 13 in our ranking ·
Visit Ramp →
5. Brex
Corporate cards and spend software, now part of Capital One · United States
Cards, bill pay, reimbursements and travel booking, with a $0 Essentials plan and Premium at $12 per user per month for multiple customizable expense policies. Enterprise adds unlimited US or global entities and local card issuance, on quoted terms.
Switch from SAP Concur if you want a card and expense platform with multi-entity support on a higher tier.
Pricing: Free Essentials plan with cards, bill pay, reimbursements and travel booking; Premium at $12 per user per month adds policies, approval chains and full multi-entity; Enterprise is quoted. (free plan)
Full review: #5 of 13 in our ranking ·
Visit Brex →
6. Rydoo
Receipt-first expense reporting for European mid-sized companies · Belgium
Published per-user plans, with Business starting at 30 active users and Enterprise at 50. Those two tiers bill only users who performed at least one action, which removes idle licenses. Enterprise lists SAML single sign-on.
Switch from SAP Concur if many of your employees file expenses rarely and you want to pay only for active users.
Pricing: Published per-user monthly Essentials and Pro plans, cheaper on annual billing, with a 14-day free trial; Business and Enterprise tiers are quoted and bill only active users. (free trial)
Full review: #13 of 13 in our ranking ·
Visit Rydoo →
7. Spendesk
Pre-approval spend control for European companies · France
Quote-only, built on a base package with unlimited cards, users and control settings, plus modules for procurement and accounts payable. Single-use cards and subscription management are included. Pricing is not per report, so volume does not drive the bill the same way.
Switch from SAP Concur if you want unlimited users and cards under a platform fee, with spend controls.
Pricing: Quote only: a fixed monthly platform fee with unlimited users and free cards, plus variable fees per transaction (card purchases, invoice payments and expense claims), with procurement and accounts payable as add-ons. (none)
Full review: #9 of 13 in our ranking ·
Visit Spendesk →
8. Pleo
Employee cards with receipt capture for European teams · Denmark
Per-user plans from £8 on monthly billing, with Build at £14 and Optimise at £18 billed yearly and a three-user minimum. Plans include vendor cards, and credit limits scale by tier for eligible customers. It has no free plan.
Switch from SAP Concur if you want cards and expenses sold per user with a published price ladder.
Pricing: No free plan. Start costs about £8 or €8 per user per month on monthly billing; Build (£14) and Optimise (£18) are billed yearly with a three-user minimum, and reimbursements and mileage start on Build. (free trial)
Full review: #1 of 13 in our ranking ·
Visit Pleo →
9. Payhawk
Multi-entity spend platform for European mid-market firms · United Kingdom
Modular and quote-based: travel, cards and expenses, accounts payable and procurement, with ERP and HRIS integrations as add-ons. It also lists a fixed-price Growth program at £149 a month for UK and EEA single-entity businesses under 20 employees.
Switch from SAP Concur if you want to buy only the modules you need, including accounts payable.
Pricing: Quote only, built from modules (cards and expenses, accounts payable, procurement, travel) plus add-ons, with unlimited employee seats rather than per-user fees. (none)
Full review: #3 of 13 in our ranking ·
Visit Payhawk →
10. Emburse
Expense, audit and AP for mid-market organizations · United States
A travel and expense vendor with editions for small, mid-market and enterprise customers, sold on quotes. It is the nearest like-for-like peer for a company that wants the same kind of managed platform and sales process. Public detail on its pages is thin.
Switch from SAP Concur if you want another quote-based travel and expense platform to compare against Concur.
Pricing: Quote-based, with different editions for small, mid-market and enterprise customers. (none)
Full review: #11 of 13 in our ranking ·
Visit Emburse →
11. BILL Spend & Expense
Free budgets and cards from the former Divvy · United States
Part of the BILL payables suite, offered with a risk-free trial. The core product carries no subscription fee, because revenue comes from card interchange, so the economics depend on moving card spend. It suits a company that already pays bills through BILL.
Switch from SAP Concur if you already run payables in BILL and want expenses tied to the same account.
Pricing: No subscription fee for the core product; revenue comes from card interchange, with fees on some payment types. (free plan)
Full review: #10 of 13 in our ranking ·
Visit BILL Spend & Expense →
