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.
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.
Key facts9 tools compared: Navan, Expensify, Emburse Professional, Zoho Expense, Rydoo, Ramp, Brex…
- 9 tools compared: Navan, Expensify, Emburse Professional, Zoho Expense, Rydoo, Ramp, Brex, Spendesk, Pleo
- Expensify (best for: Teams that want simple reimbursement without Concur's per-report bill): Submit is free; Collect is $5/member/mo; Control starts at $9/active member/mo, more for most companies
- Emburse Professional (best for: Enterprises that want Concur's expense-report depth from a smaller vendor): Publishes no list price, 14-day free trial; sister product Emburse Spend runs from $8/user/mo, 15-user minimum
- Zoho Expense (best for: Cost-conscious finance teams already running other Zoho apps): Free up to 3 users; Standard $3/user/mo annual ($4 monthly); Premium $6/user/mo monthly, less on annual; 5-user minimum
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.
Top Picks
Based on features, real-world fit, and value for money.
Free travel booking under 300 employees, with expense billed per user once you outgrow the first five seats.
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
The straightforward swap: free receipt tracking on Submit, a flat per-member fee on Collect, more on Control.
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
The closest architecture match to Concur's expense-report workflow, priced the same way Concur prices Premium: not at all.
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
| 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 $3/user/mo annual ($4 monthly); Premium $6/user/mo monthly, less on annual; 5-user minimum | 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 pricing page, checked Sep 2026. 2 of 9 sell by quote only and publish no price; those entries say so rather than estimating. 4 of 9 publish prices for some plans and quote the rest.
Navan
Free travel booking under 300 employees, with expense billed per user once you outgrow the first five seats.
- Pricing
- Business travel free under 300 employees; expense free for 5 users, then $15/user/mo; Enterprise custom
Best for: Companies under 300 employees that want free travel booking and expense on one login
Pros
- 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
Cons
- 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
Expensify
The straightforward swap: free receipt tracking on Submit, a flat per-member fee on Collect, more on Control.
- Pricing
- Submit is free; Collect is $5/member/mo; Control starts at $9/active member/mo, more for most companies
Best for: Teams that want simple reimbursement without Concur's per-report bill
Pros
- 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
Cons
- 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
Emburse Professional
The closest architecture match to Concur's expense-report workflow, priced the same way Concur prices Premium: not at all.
- Pricing
- Publishes no list price, 14-day free trial; sister product Emburse Spend runs from $8/user/mo, 15-user minimum
Best for: Enterprises that want Concur's expense-report depth from a smaller vendor
Pros
- 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
Cons
- 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
Zoho Expense
The cheapest published alternative on this list, free for 3 users, then $3 a user a month on annual Standard.
- Pricing
- Free up to 3 users; Standard $3/user/mo annual ($4 monthly); Premium $6/user/mo monthly, less on annual; 5-user minimum
Best for: Cost-conscious finance teams already running other Zoho apps
Pros
- A genuine free plan for up to 3 users, something Concur has never offered
- Annual billing cuts the sticker price by 25% on Standard and about 17% on Premium
- Travel booking is a $9.99-per-trip add-on rather than a separately quoted module
Cons
- Paid plans carry a 5-user minimum, so a team that just outgrew 3 users still pays for 5 seats
- The Custom tier needs a 100-user minimum, a large gap above Premium for a mid-market team
Rydoo
A published per-user price on the smaller tiers before it becomes a quote at 30 users.
- Pricing
- Essentials $9/user/mo annual ($12 monthly); Pro $11/user/mo annual ($14 monthly); Business and Enterprise custom
Best for: European-headquartered companies that want published self-serve pricing under 30 users
Pros
- 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
Cons
- 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
Ramp
A free all-in-one spend platform, with Plus adding AI automation at $15 a user a month plus a platform fee.
- Pricing
- Free plan is $0/user/mo; Plus is $15/user/mo plus a team-size platform fee; Enterprise is custom, annual only
Best for: Finance teams that want cards, AP, AR and expense in one free platform
Pros
- 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
Cons
- 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
Brex
Free on Essentials, then a flat $12 a user a month on Premium, well under Concur's per-report math.
- Pricing
- Essentials is $0/user/mo; Premium is $12/user/mo; Enterprise and Smart Card are both custom quote
Best for: Venture-backed or high-growth companies that want cards and expense bundled free
Pros
- 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
Cons
- 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
Spendesk
No per-user fee and no card fee, but also no published price: every deal is a fixed fee plus usage, quoted.
- Pricing
- Publishes no list price; a fixed platform fee plus variable transaction fees, quote required
Best for: European finance teams that want procurement and AP bundled with card spend
Pros
- 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
Cons
- 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
Pleo
A UK-built card and expense platform with no USD price on its site; check current pricing before comparing it in dollars.
- Pricing
- Publishes Start, Build and Optimise tiers in GBP on its own site; no USD list price found, check current pricing
Best for: UK and European finance teams already billed in GBP or EUR
Pros
- 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
Cons
- 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
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
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 | $18/member/mo annual, from $9 with card | 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 | $3/user/mo annual ($4 monthly) | 200 receipt scans per user a month; corporate card feeds |
| Zoho Expense Premium | $5/user/mo annual ($6 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 |
The bottom line
Expensify is the default starting point for a straightforward reimbursement swap: free on Submit, a flat per-member fee 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?
How much does SAP Concur cost compared to its alternatives?
Is there a free alternative to SAP Concur?
Why does SAP Concur not publish a price for Concur Travel?
Navan vs Expensify: which SAP Concur alternative should I choose?
Does Emburse cost less than SAP Concur?
Which SAP Concur alternatives publish pricing in USD?
When should a finance team stick with SAP Concur instead of switching?
Sources
Prices and plan details come from each vendor's own pricing page, re-checked by the Toolradar pricing tracker.
- Navan pricingchecked Sep 2026
- Expensify pricingchecked Sep 2026
- Ramp pricingchecked Sep 2026
- Brex pricingchecked Sep 2026
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