SAP Concur vs Ramp
Choose SAP Concur if your priority is managing travel, expense reports, and invoices around your existing business systems; choose Ramp if you want corporate cards, spend controls, and finance workflows in one platform. Both offer travel booking, expense management, and accounts payable tools, but their pricing models and approaches to card spending differ.
Last updated October 27, 2026.
At a glance
| Dimension | SAP Concur | Ramp |
|---|---|---|
| Corporate cards | Bank card feeds | Unlimited physical and virtual cards |
| Starting price | Base starts at $7 per expense report | Free: $0 per user per month |
| Paid plans | Plus from $11 per report; Premium custom | Plus $15 per user per month plus platform fee; Enterprise custom |
| Travel booking | Concur Travel in Premium | Flight, hotel, and car booking in Free |
| Card spend controls | Expense policy rules and audits | Card issuing, category, and vendor controls |
| Invoice and bill workflows | Concur Invoice for invoice processing | Invoice capture and bill payments |
| Accounting integrations | App Center integrations and open APIs | QuickBooks Online and Xero in Free; additional ERPs in paid plans |
| Mobile platforms | iOS and Android | iOS and Android |
| Published user or card limits | Unlimited users in listed expense plans | Unlimited cards in Free |
| Support | User Support Desk in Plus and Premium | 24/7 travel chat in Free; 24/7 travel phone support in Plus |
Scroll the table sideways to compare each row.
Which should you choose?
Choose SAP Concur if
- Teams managing expense reports with existing corporate cards
- Businesses connecting travel and expense data to established systems
- Buyers who prefer per-report expense pricing
- Organizations seeking configurable travel and invoice workflows
Choose Ramp if
- Businesses wanting corporate cards with issuing controls
- Teams seeking a free core software plan
- Finance teams combining expenses, bill pay, and accounting automation
- Buyers who want travel booking in the Free plan
The verdict
The deciding factor is how you want to manage spending. SAP Concur is the better fit for teams focused on expense-report workflows, travel management, and connections to existing systems. Ramp is the better fit for eligible businesses that want to issue corporate cards and set controls on card spending alongside expenses and bill pay. Compare the plans you would actually use: travel is listed in Concur’s custom-priced Premium plan, while Ramp includes travel booking in its Free plan.
SAP Concur vs Ramp: common questions
- Is SAP Concur or Ramp cheaper to start?
- Ramp lists a Free plan at $0 per user per month. SAP Concur lists its Base expense plan starting at $7 per report. Ramp’s Plus plan costs $15 per user per month plus a platform fee, while SAP Concur’s Plus expense plan starts at $11 per report.
- Do SAP Concur and Ramp both offer corporate cards?
- Ramp offers physical and virtual corporate cards with issuing controls. SAP Concur publishes bank card feeds for bringing card transactions into its expense workflows.
- Can employees book travel with either product?
- Yes. SAP Concur lists Concur Travel in its custom-priced Premium plan. Ramp lists flight, hotel, and car booking in its Free plan.
- Can SAP Concur and Ramp manage invoices?
- Yes. SAP Concur offers Concur Invoice for invoice processing. Ramp lists invoice capture and bill-payment workflows, including payments by ACH, card, check, and wire.
- How do their pricing models differ?
- SAP Concur publishes starting prices per expense report with unlimited users in its listed expense plans. Ramp offers a Free plan and prices Plus per user per month with an additional platform fee based on team size.
- Which integrates with accounting software?
- Both publish accounting integrations. SAP Concur offers App Center integrations and open APIs. Ramp includes QuickBooks Online and Xero integrations in Free and lists additional ERP integrations in paid plans.
- Which is the better fit for controlling card spending?
- Ramp is the better fit if the goal is to issue corporate cards with category, vendor, and other card controls. SAP Concur is the better fit if the goal is to bring existing card transactions into expense reporting and policy workflows.