Expert Guide Editorially reviewed

The Best SAP Concur Alternatives in 2026

Nine expense, card and travel platforms compared against Concur's per-report billing, checked on vendor pricing pages in September 2026.

Louis CorneloupFounder, Dupple · 900,000+ readers · Updated Sep 2026

Independently researched. No pay-for-placement. 9 tools compared

TL;DR

SAP Concur's Base plan starts at $7 a report and Plus at $11 a report. Concur Travel only exists inside the custom-quoted Premium tier, the exact combination that pushes buyers to look elsewhere. Expensify is the cleanest swap for reimbursement, at $5 a member a month on its Collect plan. Navan replaces the travel side for free under 300 employees, with expense turning into a per-user bill once you pass five seats. Emburse Professional matches Concur's expense-report depth most closely, and, like Concur's own Premium tier, names no price at all.

SAP Concur is the default a lot of finance teams inherit rather than choose, and the bill is the first thing that gets questioned once someone actually reads it. Concur prices expense reporting per report, not per seat, and the one module travel buyers came for, Concur Travel, is not sold on its own: it only ships inside a custom-quoted Premium plan.

That is a strange way to price a product for a category where most competitors now charge per user, not per report.

Cfopresso data: Toolradar, the software directory we run, lists 8 direct alternatives to SAP Concur on its own alternatives page as of September 2026.

That is a narrower field than the broader expense and travel category, and it is closer to what a buyer actively trying to leave Concur is really choosing among: see Toolradar's SAP Concur alternatives page.

We checked the live pricing and product pages of nine vendors a finance leader evaluating a Concur replacement would put on a shortlist in September 2026, from free seat-based platforms to quote-only enterprise suites.

How we ranked: pricing and features came from each vendor's own site, checked this month, weighed against fit for a finance team leaving a per-report billing model. We took no payment or placement for this ranking.

Top Picks

Based on features, real-world fit, and value for money.

Best SAP Concur Alternatives in 2026: 9 tools compared, updated Sep 2026
Tool	Pricing	Best for
Navan	Business travel free under 300 employees; expense free for 5 users, then $15/user/mo; Enterprise custom	Companies under 300 employees that want free travel booking and expense on one login
Expensify	Submit is free; Collect is $5/member/mo; Control starts at $9/active member/mo, more for most companies	Teams that want simple reimbursement without Concur's per-report bill
Emburse Professional	Publishes no list price, 14-day free trial; sister product Emburse Spend runs from $8/user/mo, 15-user minimum	Enterprises that want Concur's expense-report depth from a smaller vendor
Zoho Expense	Free up to 3 users; Standard $32.25/user/mo annual ($43 monthly); Premium $48.75/user/mo annual ($65 monthly)	Cost-conscious finance teams already running other Zoho apps
Rydoo	Essentials $9/user/mo annual ($12 monthly); Pro $11/user/mo annual ($14 monthly); Business and Enterprise custom	European-headquartered companies that want published self-serve pricing under 30 users
Ramp	Free plan is $0/user/mo; Plus is $15/user/mo plus a team-size platform fee; Enterprise is custom, annual only	Finance teams that want cards, AP, AR and expense in one free platform
Brex	Essentials is $0/user/mo; Premium is $12/user/mo; Enterprise and Smart Card are both custom quote	Venture-backed or high-growth companies that want cards and expense bundled free
Spendesk	Publishes no list price; a fixed platform fee plus variable transaction fees, quote required	European finance teams that want procurement and AP bundled with card spend
Pleo	Publishes Start, Build and Optimise tiers in GBP on its own site; no USD list price found, check current pricing	UK and European finance teams already billed in GBP or EUR

Pricing read from each vendor's own published pricing page, checked Sep 2026. 1 of 9 does not publish one; those entries say so rather than estimating.

Lowest monthly figure each vendor publishes, checked Sep 2026. A tilde marks a figure the vendor states approximately. Per-seat and usage charges can sit on top of it. 2 of 9 do not publish a comparable monthly price and are left out rather than estimated.

Navan

Top Pick

Best for: Companies under 300 employees that want free travel booking and expense on one login

PricingBusiness travel free under 300 employees; expense free for 5 users, then $15/user/mo; Enterprise custom

+Free under 300 employees, with no separate booking fee for flights or hotels

+Travel and expense reconcile automatically, so a trip does not turn into a manual report

+24/7 travel agent support is included even on the free Business tier

−Expense turns into a real per-user line item fast once you pass 5 active users

−Deeper controls and negotiated rates sit behind the custom-quoted Enterprise tier, resetting the pricing conversation at 300 employees

Visit Navan →

Expensify

Best for: Teams that want simple reimbursement without Concur's per-report bill

PricingSubmit is free; Collect is $5/member/mo; Control starts at $9/active member/mo, more for most companies

+Collect at $5 a member a month undercuts Concur's per-report pricing for most teams

+Submit, the free tier, still does receipt scanning and mileage tracking with no seat fee

+Control adds multi-level approvals and NetSuite or Sage Intacct sync without a discovery call to start

−Control's headline rate is billed as 'as low as', so most companies land above that floor

−There is no separate travel-only tier the way Concur splits Travel from Expense

Visit Expensify →

Emburse Professional

Best for: Enterprises that want Concur's expense-report depth from a smaller vendor

PricingPublishes no list price, 14-day free trial; sister product Emburse Spend runs from $8/user/mo, 15-user minimum

+A 14-day free trial with no card required, a lower-commitment start than Concur's sales-only process

+Emburse Assurance runs automated compliance checks on every expense, plus GDPR, PCI and SOC-certified data handling for the same enterprise buyer Concur serves

+Automated policy enforcement and a full audit trail match what a Concur admin already expects

−No published price anywhere on the Professional product page; every deal starts with a demo request

−The Emburse portfolio spans several rebranded products, including Certify and Nexonia, so confirm which one a quote actually covers

Visit Emburse Professional →

Zoho Expense

Best for: Cost-conscious finance teams already running other Zoho apps

PricingFree up to 3 users; Standard $32.25/user/mo annual ($43 monthly); Premium $48.75/user/mo annual ($65 monthly)

+A genuine free plan for up to 3 users, something Concur has never offered

+Annual billing cuts the sticker price by roughly 25% on both paid tiers

+Travel booking is a $9.99-per-trip add-on rather than a separately quoted module

−The jump from the free plan to Standard's list price is steep for a team that just outgrew 3 users

−The Custom tier needs a 100-user minimum, a large gap above Premium for a mid-market team

Visit Zoho Expense →

Rydoo

Best for: European-headquartered companies that want published self-serve pricing under 30 users

PricingEssentials $9/user/mo annual ($12 monthly); Pro $11/user/mo annual ($14 monthly); Business and Enterprise custom

+Essentials at $9 a user a month annual is a fraction of Concur's per-report pricing for a small team

+Pro adds SAML SSO and deeper approval routing without a custom contract

+The Fair Billing Policy on higher tiers only charges for users who actually submit or approve that month

−Self-serve pricing stops at 29 users; Business and Enterprise both require a sales quote

−Add-ons like Rydoo Cards and HR Connect cost extra on top of the per-user price

Visit Rydoo →

Ramp

Best for: Finance teams that want cards, AP, AR and expense in one free platform

PricingFree plan is $0/user/mo; Plus is $15/user/mo plus a team-size platform fee; Enterprise is custom, annual only

+The Free tier includes corporate cards, travel, AP, AR and treasury with unlimited cards at no charge

+A 30-day free trial on Plus lets a team test the AI automation before committing

+Cards and bill pay live in the same login as the expense workflow, unlike Concur

−Plus adds a platform fee on top of its per-user price, so the real bill depends on headcount

−Enterprise is annual-only and custom-quoted, the same gate Concur's Premium tier uses

Visit Ramp →

Brex

Best for: Venture-backed or high-growth companies that want cards and expense bundled free

PricingEssentials is $0/user/mo; Premium is $12/user/mo; Enterprise and Smart Card are both custom quote

+Essentials costs nothing per user, with card issuing and expense tracking included from day one

+Premium's flat per-user price is simple to model against Concur's per-report tiers

+Cards, expense and budgets share one login, cutting the reconciliation work a separate T&E tool adds

−Enterprise and the Smart Card program are both quote-only, so the largest programs still end up on the phone

−Brex leans toward US-based, funded companies; the fit is weaker for a bootstrapped or non-US finance team

Visit Brex →

Spendesk

Best for: European finance teams that want procurement and AP bundled with card spend

PricingPublishes no list price; a fixed platform fee plus variable transaction fees, quote required

+No per-user or per-card fee, unlike the seat-based pricing on Concur and most of this list

+Procurement and accounts payable modules bolt onto the same platform as card spend

+Unlimited physical and virtual cards ship with every package at no extra charge

−No price is published anywhere on the site; the quote builder is the only way to see a number

−The fixed-fee-plus-usage model is harder to compare against a straightforward per-user price like Zoho's or Brex's

Visit Spendesk →

Pleo

Best for: UK and European finance teams already billed in GBP or EUR

PricingPublishes Start, Build and Optimise tiers in GBP on its own site; no USD list price found, check current pricing

+Three published tiers give a clearer self-serve ladder than Concur's report-based pricing

+A free trial is offered on the entry Start plan with no card required

−No USD pricing appears anywhere on Pleo's site, an extra step for a US finance team building a business case

−Build and Optimise both carry a 3-user minimum, so a one- or two-person AP function cannot self-serve into them

Visit Pleo →

What it is

A SAP Concur alternative is expense, card or travel software that does the same reimbursement, approval and booking work as Concur. It prices that work differently, usually per user or per seat instead of per expense report, and it often bundles travel into the same login instead of gating it behind a separate quoted tier.

Why it matters

Per-report billing and per-user billing reward different companies. A team that files a lot of small reports pays Concur more than a per-user platform would charge for the same headcount; a team with high-value, infrequent reports can come out ahead on Concur's model.

Run the actual report volume before assuming a per-user alternative is cheaper.

If cards and reimbursement are the bigger line item on your books rather than travel itself, our expense management software ranking and corporate cards ranking cover that ground on its own.

Our full Navan review and Expensify review go deeper on the two most common Concur swaps.

The second reason people leave is the travel gate.

Concur Travel is not a product you can buy by itself: it lives inside Premium, a plan Concur will not price until you are on a call. Navan and Ramp answer that by folding travel into a platform that names a number, or a free tier, up front.

Teams already running Brex or Ramp for cards should check how much a dedicated travel swap would actually duplicate before adding a fourth login.

Our corporate travel software ranking covers the managed-program side of that decision in more depth.

Key features to look for

Per-report vs. per-user billing

Concur charges by the expense report. Most of this list charges by the seat, monthly. High report volume and low headcount favor Concur; the opposite favors almost everyone else here.

Whether travel ships with expense

Concur Travel only exists inside the quoted Premium tier. Navan, Ramp and Brex fold travel or cards into the same login without a separate quote for the travel piece.

Published price vs. quote-only

Expensify, Zoho Expense, Rydoo's entry tiers, Ramp and Brex name a number. Emburse Professional and Spendesk do not, the same gate Concur uses on Premium.

Free tier depth

Ramp and Brex Essentials cost nothing per user. Zoho Expense's free plan caps at 3 users. Concur has never offered a free tier of any kind.

Currency the price is actually quoted in

Pleo's published tiers are in GBP, not USD, on its own site. Confirm the currency before comparing any number here to a dollar-denominated Concur quote.

Pricing

SAP Concur names a number for expense and nothing for travel. Concur's own pricing page lists Base at $7 a report and Plus at $11 a report, both unlimited users, while Concur Travel only appears once you are quoted on Premium.

That per-report model is the trap: a team that files hundreds of small reports a month pays more on Concur than it would on a flat per-user plan.

Of the alternatives here, Expensify, Zoho Expense, Rydoo, Ramp and Brex all publish a self-serve USD price.

Emburse Professional and Spendesk do not, the same quote-only pattern Concur uses on Premium.

Navan splits the difference: travel is free under 300 employees, but expense and the Enterprise tier both turn into a bill or a quote once you scale. Prices checked in September 2026 on each vendor's own pricing page.

Plan	Price	Best for
SAP Concur Base	$7/report	Unlimited users; core expense reporting only, no travel
SAP Concur Plus	$11/report	Adds ExpenseIt AI capture and a support desk
SAP Concur Premium	Custom quote	The only tier that includes Concur Travel and Intelligence
Navan Business (Travel)	Free	Up to 300 employees; unlimited trips and policy workflows
Navan Expense	$15/user/mo after 5 users	Free for your first 5 active monthly expensing users
Navan Enterprise	Custom quote	300+ employees; dedicated CSM and negotiated rates
Expensify Submit	Free	Receipt scanning and mileage tracking, no seat fee
Expensify Collect	$5/member/mo	Reimbursements, card management, travel booking, QuickBooks/Xero sync
Expensify Control	From $9/active member/mo	Multi-level approvals, NetSuite or Sage Intacct sync, SSO
Emburse Professional	Custom quote	14-day free trial; no list price published
Emburse Spend (cards)	From $8/user/mo	15-user minimum; a separate product from Professional
Zoho Expense Free	Free	Up to 3 users; 20 receipt scans per user a month
Zoho Expense Standard	$32.25/user/mo annual ($43 monthly)	200 receipt scans per user a month; corporate card feeds
Zoho Expense Premium	$48.75/user/mo annual ($65 monthly)	1,000 receipt scans per user a month; travel add-on available
Zoho Expense Custom	Custom quote	100-user minimum; dedicated account manager
Rydoo Essentials	$9/user/mo annual ($12 monthly)	5-user minimum; core self-serve expense management
Rydoo Pro	$11/user/mo annual ($14 monthly)	SAML SSO and deeper approval routing
Rydoo Business	Custom quote	30-user minimum; Fair Billing Policy applies
Rydoo Enterprise	Custom quote	50-user minimum
Ramp Free	Free	Cards, travel, AP, AR and treasury included
Ramp Plus	$15/user/mo plus platform fee	AI automation; 30-day free trial
Ramp Enterprise	Custom quote	Annual billing only; full customization
Brex Essentials	Free	Card issuing and expense tracking included
Brex Premium	$12/user/mo	Flat per-user rate, no separate platform fee listed
Brex Enterprise	Custom quote	Largest programs and negotiated terms
Brex Smart Card	Custom quote	A separately quoted card program
Spendesk	Custom quote	Fixed platform fee plus variable transaction fees
Pleo	Check current pricing	Start, Build and Optimise tiers published in GBP, not USD

Mistakes to avoid

×Comparing Concur's per-report price straight to a per-user alternative without counting actual report volume a month. A team filing hundreds of small reports can lose money moving to a flat per-seat plan.

×Assuming a quote-only vendor like Emburse Professional or Spendesk is automatically pricier than one with a published number. Both are built for programs that a flat self-serve price would not capture anyway.

×Picking a travel-first swap like Navan for a company that only needs expense reporting. Its free tier is travel; expense turns into a real per-user bill once you outgrow the first five seats.

Expert tips

→Pull twelve months of Concur expense-report volume before comparing anything. That number, not the feature list, decides whether a per-user alternative actually saves money.

→Ask every quote-only vendor, Emburse Professional and Spendesk included, for a price at your real headcount in the first email. It skips a discovery call and tells you fast whether you are in their market.

→Run a real approval chain and a card sync during any trial, not a demo report. Month-end hours are won or lost on how a tool handles your actual chart of accounts, not on the sales deck.

The bottom line

Expensify is the default starting point for a straightforward reimbursement swap: free on Submit, $5 a member on Collect, and still cheaper than Concur's per-report math once you add Control.

Navan is the pick when travel is the real reason you are leaving Concur, free under 300 employees with expense billed per user past five seats.

Emburse Professional is the closest match to Concur's own expense-report architecture, for a buyer willing to trade a published price for a smaller, more responsive vendor.

Zoho Expense and Rydoo are the cheapest published options for a team under 30 users, while Ramp and Brex suit a finance team that wants cards and AP in the same login as expense.

Spendesk and Pleo fit a European-first buyer more than a US one; Pleo in particular has no USD price to compare against Concur's dollar figures.

Toolradar's own SAP Concur alternatives guide and Dupple's corporate travel roundup cover the same decision from a different buyer's-guide angle if you want a second read.

Toolradar's own SAP Concur, Navan and Expensify tool pages, and our spend management platforms ranking and procurement software ranking cover the adjacent ground.

Cite this: Cfopresso, "Best SAP Concur Alternatives in 2026," September 2026.

Frequently asked questions

What is the best SAP Concur alternative in 2026?

Expensify for straightforward reimbursement, cheaper than Concur's per-report bill for most teams once report volume is factored in. Navan for travel, free under 300 employees with expense billed per user past your first five seats. Emburse Professional for enterprises that want Concur's expense-report depth without Concur's brand, though it is quote-only like Concur's own Premium tier.

How much does SAP Concur cost compared to its alternatives?

Concur bills expense per report, not per seat, with Concur Travel only available inside the custom-quoted Premium plan (see the pricing table above for exact figures). Zoho Expense starts at $32.25 a user a month on annual Standard after a free plan for 3 users. Ramp and Brex both offer a free tier before their paid plans move to a flat per-user rate.

Is there a free alternative to SAP Concur?

Navan's travel side is free for companies under 300 employees, though its expense product turns into a per-user bill past your first five users (see the pricing table above). Ramp's Free plan and Brex Essentials both cost nothing per user and include card issuing plus expense tracking. Expensify's Submit tier is also free, for receipt scanning and mileage tracking without reimbursement automation.

Why does SAP Concur not publish a price for Concur Travel?

Concur's own pricing page lists a Base and a Plus price for expense reporting only, both per report (see the pricing table above for the exact figures). Concur Travel ships inside Premium, and Premium is quote-only, so a travel buyer never sees a self-serve number for the module they actually came for.

Navan vs Expensify: which SAP Concur alternative should I choose?

Navan if travel booking is the main reason you are leaving Concur and your company is under 300 employees, since travel is free and expense stays free for your first 5 users. Expensify if reimbursement and receipt tracking are the bigger job, since Collect undercuts Concur's per-report pricing without a travel-specific gate.

Does Emburse cost less than SAP Concur?

It is not possible to say. Emburse Professional, the product closest to Concur's expense-report workflow, publishes no list price and offers a 14-day free trial instead. Its sister product Emburse Spend, aimed at card programs rather than expense reports, starts at $8 a user a month with a 15-user minimum, which is a different comparison than Concur's per-report pricing.

Which SAP Concur alternatives publish pricing in USD?

Expensify, Zoho Expense, Rydoo, Ramp and Brex all show a self-serve USD price on their own pricing pages. Emburse Professional and Spendesk are quote-only. Pleo publishes its Start, Build and Optimise tiers in GBP on its own site, with no USD figure, so it needs a direct quote before comparing it to a dollar-denominated Concur bill.

When should a finance team stick with SAP Concur instead of switching?

When report volume is high relative to headcount, since Concur's per-report price can beat a flat per-user plan at that ratio. It also makes sense when Concur's global tax, audit and compliance configurability is already built into your workflow, since none of the alternatives here match that specific depth without their own custom-quoted tier.

Sources

Prices and plan details come from each vendor's own pricing page, re-checked by the Toolradar pricing tracker.

Navan pricing, checked Sep 2026
Expensify pricing, checked Sep 2026
Ramp pricing, checked Sep 2026
Brex pricing, checked Sep 2026

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