SAP Concur is a powerful choice for enterprises that want one place for travel, expense, and invoice. But it isn’t the only game in town—especially if you need faster rollout, simpler pricing, more flexible cards, or tighter integration with your current ERP. From global platforms like Navan and Emburse to modern, scalable expense report software options, such as SutiExpense, the tools below span SMB-friendly solutions to enterprise-grade suites built for growth.
Navan (formerly TripActions)
Best for
Companies that want travel booking + modern expense in one sleek platform with easy adoption.
Why it’s a strong alternative?
Navan pairs a consumer-grade travel experience with automated expense workflows. Card feeds, mobile receipt capture, and powerful policy controls make it easy for employees while giving finance real-time oversight.
Standout features
- Integrated travel search, booking, and policy controls
- Expense automation with smart receipt matching and card connections
- Real-time visibility into spend, traveler tracking, and duty of care tools
Pricing snapshot
Navan lists Expense free for the first 5 monthly expensing users, then $15 per user/month; larger organizations can request enterprise pricing. This transparent entry point makes piloting and scaling straightforward.
Starting Price: Quote Price
Advantages vs. SAP Concur
- Faster time-to-value and simpler pricing for smaller teams
- Modern UI reduces training and boosts adoption
- Strong travel–expense continuity without heavy configuration
SutiExpense
Best for
Organizations seeking a cost-effective, configurable expense platform with add-on modules across spend.
Why it’s a strong alternative?
SutiExpense is known for pragmatic pricing and a feature set that covers everything most teams need: OCR, rules and approvals, mileage/per-diem, corporate card feeds, audit trails, and analytics.
Standout features
- Multi-level approvals, policy checks, and audit readiness
- Corporate card feeds, mileage, per-diems, and mobile capture
- Integrations across major accounting/ERP tools
Pricing snapshot
Public sources and vendor pages list a Professional plan starting at $6 per active submitter/month, with higher tiers by quote. That clarity helps SMBs and mid-market teams budget confidently.
Starting Price: $6.00 USD/Active Submitter/month
Advantages vs. SAP Concur
- Very approachable entry price and quick rollout
- Broad features without enterprise complexity
- Add-on modules across spend for future expansion
Emburse (Chrome River / Certify / Emburse Expense)
Best for
Mid-market and enterprise teams seeking enterprise-grade controls with flexible options (Chrome River/“Emburse Enterprise”) and SMB-friendly packaging (Emburse Expense).
Why it’s a strong alternative
Emburse offers a portfolio approach: advanced routing and compliance (Chrome River/Emburse Enterprise) and streamlined expense workflows (Emburse Expense). That lets you pick based on complexity without switching vendors later.
Standout features
- Robust policy/routing, multi-entity support, audit trails
- Card control and reimbursements, analytics, and mobile capture
- Deep partner ecosystem and global support options
Pricing snapshot
Emburse provides quote-based pricing for enterprise products and clearly notes model options such as transaction-based tiers for Chrome River; Emburse Expense Pro is typically annual/quote-based with public references starting around a few thousand dollars per year. Always validate for your volumes/modules.
Starting Price:Not Available
Advantages vs. SAP Concur
- Multiple product lines to fit both SMB and enterprise needs
- Mature routing/compliance without overhauling your stack
- Smooth migration paths as complexity grows
Zoho Expense
Best for
SMBs and mid-market teams that want transparent, affordable pricing and quick implementation.
Why it’s a strong alternative
Zoho Expense nails the essentials—OCR, mobile capture, policy rules, approvals, reimbursements—and integrates with Zoho Books, QuickBooks, and others. It’s popular for teams standardizing expense with minimal IT lift.
Standout features
- Policy enforcement, per-diems, custom approvals, mileage, and multi-currency
- Corporate card reconciliation and analytics
- Integrations across the Zoho suite and third-party accounting tools
Pricing snapshot
Public pages list tiered plans with per-active-user charges (e.g., Standard and Premium), and FAQs clarify how “active users” are billed—useful for modeling total cost.
Starting Price: $5 per month
Advantages vs. SAP Concur
- Clear, predictable pricing for growing teams
- Tight integration with Zoho’s broader platform
- Easier to deploy and administer for lean finance teams
Rydoo
Best for
Distributed companies that want mobile-first expense and fair billing tied to actual usage.
Why it’s a strong alternative
Rydoo focuses on speed and simplicity—employees snap, submit, and move on—while finance gains rules, approvals, and insights without the bloat.
Standout features
- Clean mobile UX, automated OCR, flexible approval chains
- Mileage, per-diems, multi-currency and multi-entity
- HRIS/ERP integrations and analytics
Pricing snapshot
Rydoo highlights a “pay only for active users” policy on Business/Enterprise, which can significantly reduce waste vs. fixed-seat licenses.
Starting Price: $12 per user/month
Advantages vs. SAP Concur
- Lower license creep when usage fluctuates
- Fast adoption thanks to intuitive mobile workflows
- Good balance of features and admin simplicity
Ramp
Best for
Card-led finance teams that want $0 core pricing, powerful automation, and strong accounting integrations.
Why it’s a strong alternative
Ramp wraps unlimited virtual/physical cards, spend controls, reimbursements, and AP (bills) into a single suite. The free core plan makes it easy to try across a department before company-wide rollout.
Standout features
- Unlimited cards with merchant/category limits and receipt automation
- Expense, reimbursements, and invoice (AP) in one place
- QuickBooks/Xero integrations, with AI-assisted categorization and close
Pricing snapshot
Core plan at $0; Ramp Plus at $15/user/month (with an additional platform fee based on team size), and enterprise by quote.
Starting Price: $15/mo/user
Advantages vs. SAP Concur
- Low-risk adoption (free core) and exceptional UX
- Tighter card controls and real-time policy enforcement
- All-in-one spend suite for modern finance teams
Brex
Best for
High-growth companies and global startups that want cards + expense + travel with crisp UX and fast deployment.
Why it’s a strong alternative?
Brex, like Ramp, offers charge cards with built-in expense, reimbursements, and travel tooling—great for scaling companies that want policy guardrails without enterprise overhead.
Standout features
- Corporate cards (virtual/physical) with granular controls
- Automated expense capture, reimbursements, and travel program
- Accounting automation and robust integrations
Pricing snapshot
Plans start at $0/user/month, with advanced features at $12/user/month.
Starting Price: $12 user/month
Advantages vs. SAP Concur
- Simple packaging; quick to roll out in tech-forward orgs
- Strong card + expense synergy, including international support
- Competitive price points for core features
Airbase
Best for
Finance teams that want unified spend—AP + cards + expense + purchase requests—with granular controls.
Why it’s a strong alternative?
Airbase centralizes the entire employee-initiated spend cycle, moving approvals upstream (request/PO) and enforcing policy before spend occurs—reducing exceptions and maverick expenses.
Standout features
- Invoice capture and bill pay, corporate cards, reimbursements
- Request/PO workflows, advanced approvals, and audit trails
- ERP/HRIS/SSO integrations; Slack/Jira/Asana connectors
Pricing snapshot
Airbase has three tiers—Standard, Premium, Enterprise—with quote-based pricing; multiple marketplaces confirm the tiering and provide typical ranges to benchmark.
Starting Price: Quote Price
Advantages vs. SAP Concur
- Controls before spending happens, not just after
- One system for AP + expense + cards + requests
- Scales well from upper-SMB to enterprise
Spendesk
Best for
European and global teams that want card-first control and tailored plans with flexible deployment.
Why it’s a strong alternative?
Spendesk combines smart cards, expense, reimbursements, and approvals in a modern interface. Finance gets visibility and workflows; employees get a painless way to pay and submit.
Standout features
- Virtual/physical cards with budgets and policy guardrails
- Digital receipt capture, approvals, and reimbursements
- Multi-entity, multi-currency, and ERP integrations
Pricing snapshot
Spendesk lists tailored/quote-based plans, with public marketplace pages showing three editions depending on scope.
Starting Price: Quote Price
Advantages vs. SAP Concur
- Streamlined card + expense experience
- Pricing flexibility as you scale regions and teams
- Strong European footprint and compliance posture
Coupa (Expense module within Coupa BSM)
Best for
Enterprises adopting Business Spend Management—procurement, sourcing, supplier risk—alongside expense.
Why it’s a strong alternative?
If you’re tackling upstream purchasing and vendor lifecycle as well as expense, Coupa’s suite approach centralizes data and controls. AI-driven insights, supplier management, and invoice-to-pay orchestration add value beyond T&E.
Standout features
- Policy automation, AI-assisted capture, and exception handling
- Supplier onboarding, risk/compliance, sourcing, and contracts
- Cash management levers (discounting, payments orchestration)
Pricing snapshot
Coupa’s buyer pricing is quote-based and typically enterprise-level; marketplace benchmarks and buyer communities provide medians to sanity-check proposals.
Starting Price: Quote Price
Advantages vs. SAP Concur
- Holistic spend control well beyond expense alone
- Strong analytics and governance for complex environments
- Mature ecosystem for services and integrations
How to Pick the Right Concur Alternative (Fast)
1) Start with your primary friction.
- Travel experience + expense continuity? Navan.
- Card-led control and automation? Ramp or Brex.
- Unified spend (AP + cards + expense + requests)? Airbase.
- Transparent SMB pricing with full coverage? Zoho Expense or SutiExpense.
- Enterprise suite across sourcing-to-pay? Coupa or Emburse Enterprise.
2) Model total cost—not just seats.
Look at how users are billed (active-user vs. licensed seats) and what’s in the plan (OCR, policy, cards, AP, travel). Rydoo’s active-user policy and Navan’s first 5 free can materially lower TCO in early stages.
3) Validate ERP and SSO depth.
Confirm native connectors to your ERP (QuickBooks, NetSuite, Sage Intacct, Microsoft Dynamics), and plan for HRIS/IdP sync. Most vendors above publish integration catalogs; enterprise suites (Coupa, Emburse) and unified spend tools (Airbase, Ramp) emphasize this.
4) Pilot for cycle time and auto-coding accuracy.
Run a 30–45 day pilot. Track touchless rate (auto-coded and compliant), approval latency, and close time after ERP sync. Solutions with tighter card + policy (Ramp/Brex/Spendesk) or upstream controls (Airbase) often show immediate cycle-time wins.
5) Consider global needs early.
If you operate across currencies and entities—or need strict travel compliance and duty of care—prioritize vendors with proven multinational footprints (Navan, Emburse Enterprise, Coupa).
Quick Comparison Cheat Sheet
| Tool | Sweet Spot | Why Teams Choose It | Pricing Signal* |
| Navan | Travel + Expense, fast rollout | Great UX; travel/expense continuity | Free for first 5 expensing users; then $15/user/month. |
| SutiExpense | Value + capability | Full features at approachable price | From $6 per active submitter/month. |
| Emburse | SMB ? Enterprise | Portfolio (Expense & Enterprise) and strong routing/compliance | Quote-based; Chrome River has transaction-based options. |
| Zoho Expense | SMB/Mid-market | Affordable, transparent tiers; quick setup | Public tier pages with per-active-user costs. |
| Rydoo | Distributed teams | Mobile-first; pay for active users | Fair billing for active users only. |
| Ramp | Card-led automation | $0 core; strong UX; AP + expense | $0 core; Plus $15/user/month (+ platform fee). |
| Brex | Startups & scaleups | Cards + expense + travel | Plans from $0; advanced at $12/user/month. |
| Airbase | Unified spend | AP + cards + requests + expense | 3 tiers; quote-based. |
| Spendesk | EU/global SMB-mid | Card-first with flexible plans | Tailored/quote-based; 3 editions on marketplaces. |
| Coupa | Enterprise BSM | Full suite (procure-to-pay) + expense | Enterprise/quote-based; buyer benchmarks published. |
*Always confirm current pricing with the vendor; modules, entities, and usage drive quotes.
Frequently Asked Questions
Is there a “free” way to get started?
- Yes. Ramp (and Brex) offer $0 entry tiers; Navan offers expense free for the first five monthly expensing users. These models are useful for pilots or for phasing adoption by department.
What if travel is the main driver?
- Choose a platform with integrated travel and strong policy controls. Navan stands out here, bundling duty of care and travel analytics tightly with expense.
Which options cover the full spend journey beyond expense?
- Coupa (as part of its BSM suite) and Airbase (unified spend including AP and requests) bring broader source-to-pay or procure-to-pay controls for complex environments.
We’re price-sensitive—what delivers the most value per dollar?
For many SMBs/mid-market teams, Zoho Expense and SutiExpense deliver robust features and transparent pricing. Rydoo’s active-user billing can also curb license waste.
Final Take
If Concur feels heavier than you need—or you want a different pricing and adoption model—there’s a 2025 alternative for every situation:
- Travel-centric & delightful: Navan
- Enterprise controls/routing: Emburse (Enterprise/Chrome River)
- SMB-friendly & transparent: Zoho Expense, SutiExpense
- Active-user value & mobile-first: Rydoo
- Card-led, modern, and fast: Ramp, Brex, Spendesk
- Unified spend & upstream control: Airbase
- Holistic suite beyond T&E: Coupa
Shortlist two or three based on your top pain points (e.g., invoice-to-pay, multi-entity), then run a pilot and measure: touchless rate, approval latency, policy exceptions per 100 transactions, and all-in cost per expense. The data will make the decision obvious.
Disclaimer: The comparison information on this page is based on publicly available data gathered from competitor websites, Google search results, and other secondary research sources. It is intended for informational purposes only and is not verified or endorsed by the competitors mentioned.
