What are the Best SAP Concur Alternatives for Expense Management?

Processing a single expense report costs the average finance team $58 and 20 minutes of manual work. If your team is still on SAP Concur, you're likely paying more than that in licensing overhead and implementation debt.

Most growing companies need to handle cards, expense management, and accounts payable automation on a single free platform. This guide covers seven SAP Concur alternatives for expense management, with pricing and team-fit details for each.

In brief:

• Ramp is the top-ranked SAP Concur alternative for most growing companies. It combines a free corporate card with expense management, receipt automation, and accounting integrations in a single platform.
• Expensify and Zoho Expense are the lowest-cost standalone options, starting at $5 and $3 per user per month, respectively. Both work well for QuickBooks and Xero users.
• Navan and Perk both handle travel and expense in one workflow, with Navan offering more integrated expense management and Perk being stronger for booking-first teams.
• Most platforms lock NetSuite and Sage Intacct integrations to higher pricing tiers. Confirm which tier your ERP is in before comparing prices.
• Purpose-fit expense platforms for mid-market companies typically go live in weeks. SAP Concur implementations of the same size can take months.

Best SAP Concur alternatives for expense management at a glance

Each platform in this guide addresses at least one of the frustrations that drive mid-market teams away from Concur: opaque pricing, slow implementation, and limited real-time spend visibility.

The table below shows where each platform stands on the criteria that matter most when comparing options:

We evaluated each platform on pricing transparency, ERP integration depth, and fit for teams with 50 to 500 employees. The sections below break each one down in detail.

1. Ramp

Ramp is a corporate card and spend management platform that pairs free expense management software with its own charge cards. It connects to 200+ tools, including NetSuite, Sage Intacct, QuickBooks, Xero, and Workday, with depth varying by tier.

If your finance team is still reconciling expenses in a spreadsheet at month-end, Ramp's receipt matching, policy enforcement, and accounting sync handle that work without adding a line item to your software budget.

Ramp pros:

• Free tier with real depth: The Free plan includes unlimited cards, receipt matching, bill pay, and reimbursements at no cost.
• Pre-transaction controls: Ramp enforces spend limits, merchant blocks, and receipt requirements at the card level before money leaves the account.
• Flat cash back: The card earns flat cash back on purchases, which offsets operational costs for companies with high transaction volume.

Ramp cons:

• Card-first model: Getting the most value from Ramp requires adopting its corporate cards, which may not suit teams with banking relationships they don't want to leave.
• Plus platform fee: The per-user charge includes a separate platform fee that isn't published publicly. You'll need to request it during the evaluation process.

Best for: Teams that want expense management, corporate cards, and AP automation in a single free platform, especially those running QuickBooks or NetSuite.

Pricing: The Free plan includes unlimited cards and core expense management at $0; the Plus plan is $15/user/month and includes a separate platform fee for multi-entity support and integrations with NetSuite and Sage Intacct. Enterprise pricing is custom.

2. Perk (formerly TravelPerk)

Perk (formerly TravelPerk) is a travel and spend management platform that handles the full trip from booking through expense reconciliation. Companies book flights, hotels, and rail through Perk's inventory and track travel spend in a single dashboard.

The Perk Card (TravelPerk's virtual corporate card) lets employees pay for travel within preset spending limits, with expenses automatically captured at the point of purchase.

For accounting sync, Perk integrates with expense management tools like Ramp and Fyle, which connect to QuickBooks, Xero, NetSuite, and Sage Intacct for teams that need direct ERP integration.

Perk pros:

• One workflow from booking through expense: Travel booked in Perk automatically creates an expense record, eliminating the manual handoff between the travel and finance teams.
• 24/7 travel support included: Dedicated agents assist with itinerary changes and cancellations at any hour, which matters when your team is traveling across time zones.

Perk cons:

• Expense management depends on integrations: Perk only covers basic native expense tracking. Most finance teams pair it with a dedicated tool, such as Ramp or Fyle, to achieve full accounting sync.
• Per-booking fees add up on the Starter plan: The free Starter plan charges 5% per booking (minimum $2, maximum $30), so teams with frequent bookings often pay less on Premium at $99/month plus 3% per booking.
• Less suited to non-travel expense: Vendor invoices, employee reimbursements, and non-travel spend fall outside Perk's core use case.

Best for: Companies with 50 to 500 employees where a significant portion of the team travels monthly, and finance wants a single record from booking through reconciliation.

Pricing: Perk's Starter plan is free with no platform fee, though a 5% per-booking fee applies (minimum $2, maximum $30 per booking). Premium includes a platform fee (contact sales) plus 3% per booking, and adds advanced reporting, budget tracking, and SSO. Pro also carries a platform fee plus 3% per booking and unlocks unlimited policies and custom reporting.

Perk no longer publicly displays specific monthly rates for Premium or Pro. Request a quote for current figures.

3. Navan

Navan is an integrated travel-and-expense platform that combines booking with a native expense management workflow. Expense management is free for the first five monthly active users, then $15 per user per month.

Unlike Perk, which relies on partner integrations for full accounting sync, Navan handles the entire workflow from booking through reimbursement on a single platform.

The consumer-grade booking experience and 24/7 travel support have earned it consistently high ratings.

Navan pros:

• Travel booking at $0: The consumer-grade booking experience, including 24/7 travel support agents, comes at no additional cost.
• Combined travel and expense: A single workflow from booking through reimbursement removes the manual handoff between travel systems and expense tools.
• Public company transparency: Being a public company provides buyers with more visibility into the business than most private expense management vendors offer.

Navan cons:

• Highest per-user expense: At $15/user/month after the first 5 users, Navan's expense module is among the more expensive options in this comparison.
• Admin experience criticized: Capterra reviewers describe several admin features as cumbersome compared to other platforms.
• Free user threshold varies: One third-party source reports a higher free-user threshold than Navan's pricing page shows. Verify directly during your evaluation.

Best for: Companies with 100 to 500 employees where 10% or more of the team travels monthly and wants a single platform for booking and expense management.

Pricing: Travel booking is free for teams with up to 300 employees. Expense management is free for 5 monthly active users and $15/user/month thereafter. Enterprise plans require custom pricing.

4. Expensify

Expensify is one of the longest-running independent expense management platforms. The Collect plan at $5/user/month includes receipt scanning across 150+ currencies, travel booking, corporate card management, and integrations with QuickBooks and Xero.

For teams that need a simple, affordable system without a sales conversation to get started, Expensify is one of the few options that enable self-serve onboarding.

Expensify pros:

• Lowest published per-user price: At $5/user/month on Collect, Expensify includes travel booking alongside expense management.
• SmartScan receipt capture: OCR-based receipt scanning supports different currencies and auto-populates expense fields, reducing manual entry for global teams.
• Global reimbursements: The platform pays to local bank accounts in many countries, which matters when your team includes contractors or employees outside the US.

Expensify cons:

• NetSuite and Sage Intacct are locked to Control: Companies on enterprise ERPs won't qualify for the $ 5-per-user rate and should budget for the Control plan.
• No pre-transaction card controls: The Expensify Visa card exists, but spend limits and merchant blocking aren't as deep as card-first platforms.
• Multi-approver routing requires Control: Teams that need more than a single approver per report must upgrade to the base plan.

Best for: Companies with 50 to 200 employees running QuickBooks or Xero that want the lowest per-user cost with travel and straightforward approval workflows included.

Pricing: Collect costs $5/member/month with travel and expense features. Control runs $18/active member/month and adds NetSuite, Sage Intacct, SSO, and multi-approver workflows. Teams that route 50% or more of US spending through the Expensify Card can qualify for a reduced rate of $ 9 per active member/month on Control.

5. Sage Expense Management

Sage Expense Management is the most deeply card-agnostic platform in this comparison. It connects to your existing Visa, Mastercard, or American Express cards with real-time card feeds that push instant notifications when any connected card is swiped.

For companies already running Sage accounting products, this is the most direct path to native integration without switching card programs or banking relationships.

Sage Expense Management pros:

• Card-agnostic: No need to switch corporate cards, banking relationships, or card programs to get real-time expense visibility.
• Real-time card feeds: Instant notifications from card swipes trigger automatic receipt matching, reducing the month-end reconciliation burden.
• Deepest Sage integration: Native connections to Sage Intacct, Sage 300 CRE, and Sage 50 give Sage accounting users the cleanest data flow.

Sage Expense Management cons:

• Higher starting price: $11.99 per active user per month on the Growth plan is higher than Expensify or Zoho Expense.
• NetSuite requires Business tier: Teams that need NetSuite must upgrade to the Business plan at $14.99/user per month, which includes a one-time implementation fee.
• No pre-transaction spend controls: Without a native corporate card, policy enforcement happens after expense submission rather than at the point of purchase.

Best for: Companies with 50 to 300 employees that use Sage accounting products or want to keep their existing corporate cards and banking relationships while getting real-time expense visibility.

Pricing: Growth costs $11.99 per active user per month, billed annually with a minimum of 5 users, and includes QuickBooks and Xero integrations. Business runs $14.99 per user per month with a 10-user minimum and adds two-way integrations with NetSuite, Sage Intacct, Sage 300 CRE, and Microsoft Dynamics 365 Business Central (each with an implementation fee), plus a dedicated account manager and advanced analytics.

6. Zoho Expense

Zoho Expense is one of the most affordable full-featured options in this comparison, starting free for up to three users and scaling to $3/user/month on the Standard annual plan.

If your company already uses Zoho Books, CRM, or People, native integrations across the Zoho suite reduce manual data transfer during month-end close. The mobile app experience draws consistently positive feedback, which matters for field teams filing expenses away from a desk.

Zoho Expense pros:

• Low cost as teams grow: $3/user/month on annual billing is lower than most dedicated expense platforms' paid plans.
• Strong mobile app: The mobile experience stands out in user reviews, especially for on-the-go receipt capture and expense submission.
• Zoho ecosystem depth: The platform includes native integrations with Zoho Books, CRM, People, and Analytics at no extra cost.

Zoho Expense cons:

• NetSuite integration requires a paid add-on: Unlike QuickBooks and Xero, which connect on standard plans, NetSuite integration costs extra and isn't included in the base price.
• Limited reporting customization: Reviewers note that reporting formats and some integration configurations feel constrained compared to enterprise alternatives.
• No native corporate card: Existing cards connect rather than issuing new cards through the platform, so pre-transaction controls aren't available.

Best for: Companies with 50 to 300 employees that prioritize cost efficiency and already use the Zoho ecosystem with Zoho Books or another Zoho accounting product.

Pricing: Free supports up to three users. Standard costs $3/user/month, billed annually, and includes corporate card connections, approvals, and ACH reimbursements. Premium starts at $5/user/month annually and adds travel booking. Enterprise pricing is custom.

7. Emburse

Emburse is a portfolio of acquired expense management products covering the full mid-market to enterprise range. Emburse Expense Professional (formerly Certify) targets companies with 50 to 300 employees, while Emburse Expense Enterprise (formerly Chrome River) serves larger organizations.

Emburse pros:

• Product family flexibility: Professional and Enterprise tiers mean the platform scales as your company grows, without forcing a migration to a different vendor.
• Industry-specific fit: Emburse is common in healthcare, legal, construction, and education organizations that need compliance-oriented approval workflows.
• Embedded audit capabilities: Built-in compliance checks reduce the manual review time finance teams otherwise spend at month-end.

Emburse cons:

• No public pricing: Self-evaluation without a sales call isn't possible, which adds friction to the buying process.
• Learning curve for infrequent users: Employees who file expenses rarely report feeling like they're learning the system from scratch each time.
• Multi-screen submission confusion: Reviewers flag a submission flow in which employees believe they've submitted a report when they haven't, creating follow-up work for finance teams.

Best for: Companies with 100 to 500 employees that need complex approval workflows or operate in regulated industries with strict audit requirements.

Pricing: Emburse doesn't publish pricing. Third-party estimates place the entry point around $3,000 per year. Contact Emburse directly for a quote.

How to choose the right SAP Concur alternative

The most important factor is whether the platform connects to your existing accounting system without manual workarounds. QuickBooks and Xero users have many options at free or low-cost tiers, while NetSuite and Sage Intacct users should confirm which pricing tier includes their ERP before comparing features side by side.

The implementation timeline is the most underestimated factor in most vendor evaluations. Purpose-fit platforms designed for mid-market teams typically go live in weeks; SAP Concur implementations at the same company size can run months.

Ask every vendor for their median go-live time, not their best-case figure, and ask for references at companies of your size.

The final distinction worth understanding before common bookkeeping mistakes compound at month-end is architecture: card-first platforms like Ramp enforce spend limits and receipt requirements before money leaves the account, while card-agnostic tools like Sage Expense Management review expenses after submission.

Teams with high travel volume should also compare business credit cards for travel to find the card that pairs well with their chosen platform. If your finance team is still chasing out-of-policy expenses after the fact, that distinction is the difference between the two categories.

Frequently asked questions about SAP Concur alternatives

Is SAP Concur too expensive for mid-market companies?

SAP Concur's quote-based pricing is built for larger organizations and typically includes implementation costs that don't appear in early-stage comparisons. Ramp and Expensify both offer free or low-cost tiers, which makes them worth evaluating before renewing a Concur contract.

Can I switch expense management tools without changing corporate cards?

Switching expense management tools doesn't require changing corporate cards. Card-agnostic platforms like Sage Expense Management and Zoho Expense connect to existing Visa, Mastercard, and American Express cards and pull real-time transaction data without issuing new cards.

How long does it take to implement a SAP Concur alternative?

Implementation timelines vary significantly by platform type. Purpose-fit mid-market tools typically go live in weeks when integrations are straightforward and data migration is clean. Ask any vendor for their median go-live time at companies of your size rather than their best-case timeline.

Do expense management tools help with IRS compliance?

Expense management platforms can support IRS compliance when configured correctly. Most automate receipt capture and expense deadline tracking, which reduces the risk of missing documentation requirements, but proper policy setup and employee training still determine whether the platform actually captures what's needed.