SAP Concur holds a prominent position in the expense management landscape, offering comprehensive solutions for travel, expense, and invoice management. Its robust features cater to large enterprises with complex needs.
However, despite its established presence, a growing number of businesses, particularly small and medium-sized businesses (SMBs), are actively seeking alternatives. This shift is driven by a desire to overcome Concur's limitations, including its high costs, intricate workflows, and often sluggish customer support.
If you're aiming to transition to a more intuitive and cost-effective expense management platform, this guide provides a comprehensive exploration of the top SAP Concur alternatives and competitors in 2025.
We'll delve into each solution's key features, pricing structures, and unique benefits, equipping you with the knowledge to select the optimal solution tailored to your business requirements.
Why Businesses Look for Concur Alternatives
While Concur offers a wide range of functionalities, it frequently falls short in addressing crucial business pain points. This has prompted many companies to explore alternatives that better align with their operational efficiency and financial prudence. Here are some of the most common reasons driving this search for alternatives:
1. Complex User Interface
Concur's user interface is often criticized for being outdated, clunky, and unintuitive. Both employees and finance teams encounter difficulties in navigating the system, leading to frustration, increased training time, and delays in expense report submissions and approvals.
This complexity also contributes to a higher learning curve, reducing overall productivity. Streamlined, modern interfaces offered by alternatives prioritize user experience, leading to faster adoption and greater efficiency.
2. High Costs for SMBs
Concur's pricing model is primarily tailored to the needs and budgets of large enterprises. This makes it a prohibitively expensive solution for SMBs and even many mid-market companies.
These growing businesses are often seeking more budget-friendly alternatives that deliver essential expense management features without imposing a significant financial burden. Alternatives that offer scalable and transparent pricing are highly valued.
3. Slow Customer Support
Many businesses have reported experiencing slow response times and a lack of personalized support from Concur's customer service team. This can result in considerable delays in resolving critical issues, disrupting financial operations, and negatively impacting employee productivity.
In today's fast-paced business environment, responsive and reliable customer support is paramount.
4. Limited Flexibility & Customization
Concur's system often exhibits limited flexibility when it comes to customizing approval workflows, integrating with other business applications, and creating custom fields to capture specific data.
Businesses with unique or evolving needs often find Concur's rigid structure restrictive and unable to adapt to their specific requirements. Alternatives that offer greater customization capabilities are favored for their adaptability.
5. Manual Credit Card Reconciliation
Concur's credit card reconciliation process can be time-consuming, labor-intensive, and prone to errors. The lack of real-time data synchronization and automated reconciliation necessitates finance teams to spend excessive time chasing down missing receipts, manually matching transactions, and correcting discrepancies. This manual effort can lead to inaccuracies and delays in closing the books.
Reasons to Consider Concur Alternatives
The shift towards Concur alternatives is fueled by the pursuit of solutions that offer:
- Better User Experience: This translates to faster approvals, reduced manual effort, and increased employee satisfaction.
- Lower Costs: Affordable options designed for SMBs and mid-market businesses provide greater value and ROI.
- More Flexibility: Customizable workflows and seamless integrations enable businesses to tailor the solution to their specific needs.
- Real-time Transaction Feeds: Automated matching and instant visibility into spending improve accuracy and control.
The Best Concur Competitors and Alternatives in 2025
1. Fyle
Fyle is an AI-powered expense management software designed to eliminate the inherent inefficiencies associated with traditional tools like SAP Concur.
Specifically built to cater to the needs of SMBs and mid-market companies, Fyle delivers real-time transaction feeds, seamless accounting integrations, and intuitive workflows that dramatically reduce manual effort and streamline the entire expense management lifecycle.
Key Features
Real-time Credit Card Feeds
Unlike Concur, which relies on batch processing and can experience delays of hours or even days in transaction synchronization, Fyle establishes direct connections with your credit card networks.
This enables the provision of real-time transaction feeds, ensuring that expense data is available instantly as soon as a card is swiped. This capability significantly accelerates reconciliation processes, eliminates the need for manual data entry, and minimizes the potential for errors.
AI-powered Receipt Management
Fyle allows users to upload receipts via text, email, or the mobile app. The AI auto-extracts essential data like amount, merchant, and date, and automatically matches receipts with corresponding transactions. This eliminates the need for manual verification, a common frustration with Concur.
Customizable Multi-level Approval Workflows
Fyle offers flexible and customizable multi-level approval workflows that ensure expenses are reviewed and approved by the right people. Unlike Concur’s rigid workflows, Fyle adapts to business-specific approval processes, ensuring better policy compliance.
Seamless Accounting Integrations
Fyle integrates effortlessly with QuickBooks, Xero, Sage, NetSuite, and other accounting platforms. In contrast to Concur, which often experiences integration delays and mismatched data, Fyle’s real-time sync ensures seamless data transfer and accurate reconciliations.
Superior Customer Support
Fyle offers faster, more personalized customer support compared to Concur. With 24/7 availability, businesses can expect quicker responses, real-time assistance, and proactive troubleshooting, minimizing downtime and operational disruptions.
Pricing
Starts at $11.99 per active user/month, billed annually. No hidden fees or forced card requirements.
Why People Prefer Fyle Over Concur?
- Faster Implementation: Fyle's intuitive design and user-friendly interface lead to a quick and easy setup process, minimizing disruption and reducing the learning curve for employees.
- Superior Customer Support: Fyle is known for its responsive and personalized customer support, providing timely assistance and proactive solutions.
- Real-time Data Sync: Fyle's real-time data synchronization ensures accurate credit card reconciliation and robust policy compliance, eliminating the errors and delays associated with manual processes.
- Seamless Accounting Integrations: Fyle offers native integrations with a wide range of accounting software, including QuickBooks, Xero, NetSuite, and Sage, facilitating a smooth and efficient flow of financial data.
- Mobile-first Experience: Fyle provides a modern and intuitive mobile app that empowers users to submit and track expenses on the go, eliminating the limitations of clunky interfaces or desktop-only systems.
- Customizable Approval Workflows: Fyle's flexible approval workflows can be tailored to match your company's specific policies and organizational structure, providing greater control and compliance.
2. Expensify
Expensify is a cloud-based expense management software designed to automate the process of receipt scanning, expense reporting, and reimbursement. It's particularly well-suited for small teams, startups, and freelancers who require a simple, user-friendly, and cost-effective solution for managing their expenses. Expensify emphasizes ease of use and mobile accessibility.
Key Features
- Smart Receipt Scanning and Categorization: Expensify excels at automatically scanning and categorizing receipts, reducing the need for manual data entry.
- One-Click Reimbursement: It simplifies the reimbursement process, allowing for quick and efficient payments to employees.
- Corporate Card Management: Expensify offers features for managing corporate cards, providing better control over spending.
Pricing
Expensify offers a range of subscription plans with varying features and pricing tiers to accommodate different business sizes and needs.
Why People Prefer Expensify Over Concur
- Easier Setup and Lower Learning Curve: Expensify is generally recognized for its intuitive interface and straightforward setup, making it easier for users to adopt and use quickly.
- Ideal for Small Businesses and Freelancers: Expensify's simplicity and pricing structure often make it a more attractive option for smaller organizations with basic expense management needs, compared to Concur's more complex and enterprise-focused features.
3. Ramp
Ramp is a finance automation platform that focuses on providing corporate cards, robust spend controls, and real-time transaction tracking. It empowers businesses to proactively control their spending, streamline accounts payable processes, and reduce the manual effort typically associated with expense management. Ramp is particularly attractive to companies seeking greater visibility and control over their spending.
Key Features
- Corporate Cards with Automatic Spend Limits: Ramp's corporate cards come with built-in controls and automatic spend limits, allowing businesses to enforce policies and prevent overspending.
- Vendor Management and AP Automation: Ramp offers tools for managing vendors, automating accounts payable workflows, and streamlining bill payments.
- Receipt Matching and Compliance Tracking: Ramp helps automate receipt matching and provides features for tracking compliance with expense policies.
Pricing
Ramp primarily generates revenue through interchange fees, often making its core platform "free" to use for businesses. However, it's essential to understand the full pricing structure and potential costs associated with specific features or services.
Why People Prefer Ramp Over Concur
- Ideal for Managing Spend and Controlling Budgets: Ramp's emphasis on spend controls and real-time tracking makes it a strong contender for businesses that prioritize budget management and cost containment.
- Faster Approvals with Automated Workflows: Ramp's automation features can streamline approval workflows, leading to faster expense approvals and quicker reimbursements.
4. Brex
Brex is a unified spend platform that combines spend management tools with corporate cards, virtual cards, expense management features, and business accounts. It aims to provide businesses, particularly startups and tech companies, with a comprehensive solution for controlling and managing all types of spending. Brex emphasizes automation, real-time visibility, and features designed to scale with rapidly growing businesses.
Key Features
- Virtual Cards with Dynamic Spending Limits: Brex is known for its virtual card functionality, which allows businesses to create and manage multiple virtual cards with granular controls. In some cases, Brex offers dynamic spending limits, which can adjust based on a company's financial health and spending patterns. This feature aims to provide flexibility while maintaining control over expenses.
- Real-time Spend Visibility: Brex provides dashboards and reporting tools that offer real-time visibility into company spending. This allows businesses to monitor expenses, identify trends, and make informed decisions about their spending.
- Integrated Platform: Brex aims to unify various financial operations, including corporate cards, expense management, bill pay, and business accounts, within a single platform. This integration can streamline workflows and reduce the need for multiple, disparate systems.
Pricing
Brex offers a range of pricing options, including both free and subscription-based models. The specific pricing structure can vary depending on the features and services required by the business. It's important to carefully evaluate Brex's pricing to determine the best fit for your organization.
Why People Prefer Brex Over Concur
- Better Suited for Fast-Growing Startups and Tech Companies: Brex's focus on automation, virtual cards, and scalability often makes it a more attractive option for startups and tech companies that are experiencing rapid growth and have dynamic spending needs. Concur, while robust, may not be as agile or tailored to the specific requirements of these types of businesses.
- Easier Management of Multiple Cards and Accounts: Brex's platform simplifies the management of multiple corporate cards and business accounts, providing greater control and visibility over spending. This can be particularly beneficial for companies with distributed teams or complex spending structures, where Concur's card management features may be perceived as less user-friendly.
5. Zoho Expense
Zoho Expense is a budget-friendly expense management solution offered by Zoho Corporation. It provides automated workflows, intuitive reporting, and integrations with other Zoho products, making it a viable option for small and medium-sized businesses seeking a cost-effective alternative to Concur.
Key Features
- Automated Expense Tracking and Approval Workflows: Zoho Expense automates the process of tracking expenses and routing them for approval, reducing manual effort.
- Integration with Other Zoho Products: Seamless integration with other applications within the Zoho suite can be a significant advantage for businesses already using Zoho's ecosystem.
- Customizable Policy Controls: Zoho Expense allows businesses to configure policy controls to enforce spending guidelines and ensure compliance.
Pricing
Zoho Expense is known for its affordable pricing plans, making it an attractive option for budget-conscious SMBs.
Why People Prefer Zoho Expense Over Concur
- Cost-Effectiveness: Zoho Expense's competitive pricing is a major draw for SMBs looking to manage expenses without incurring the high costs associated with Concur.
- Zoho Ecosystem Integration: For businesses already invested in the Zoho ecosystem, the seamless integration between Zoho Expense and other Zoho applications provides added convenience and efficiency.
6. Navan (formerly TripActions)
Description
Navan (formerly TripActions) is a comprehensive platform that integrates corporate travel booking with expense management. This integrated approach makes it an excellent choice for companies with frequent business travel needs, simplifying the entire process from booking flights and hotels to tracking travel-related expenses.
Key Features
- Travel Booking and Expense Management: Navan combines travel booking functionality with expense reporting, providing a unified platform for managing business travel.
- Automated Categorization and Policy Compliance: Navan automates the categorization of travel expenses and helps enforce compliance with travel policies.
- Real-time Travel Spend Visibility: It offers real-time visibility into travel expenses, enabling businesses to track spending and identify cost-saving opportunities.
Pricing
Navan typically uses a subscription-based pricing model, with different tiers based on the features and usage volume.
Why People Prefer Navan Over Concur
- Streamlined Travel and Expense Management: Navan's integrated platform simplifies the management of both travel booking and related expenses, offering a more efficient workflow for companies with significant travel needs.
- Modern User Experience: Many users find Navan's interface more modern and user-friendly than Concur, contributing to a better overall experience.
7. Airbase
Description
Airbase is a spend management platform that focuses on providing comprehensive control over company spending and automating accounts payable (AP) processes. It's designed for mid-sized companies that need to manage vendor payments, control expenses, and streamline their financial operations.
Key Features
- Virtual Cards and Spend Control: Airbase offers virtual cards with granular controls, enabling businesses to manage spending and prevent unauthorized transactions.
- Automated AP and Expense Management: Airbase automates AP workflows, including invoice processing and approvals, and provides tools for managing employee expenses.
- Real-time Policy Compliance: It helps enforce spending policies in real-time, ensuring compliance and reducing the risk of overspending.
Pricing
Airbase offers custom pricing based on business size.
Why People Prefer Airbase Over Concur
- Strong Focus on Spend Control: Airbase's emphasis on virtual cards and spend controls makes it a good choice for companies that need to closely manage their spending.
- Integrated AP Automation: The combination of expense management and AP automation in a single platform can streamline financial operations for mid-sized businesses.
8. Bill (formerly Bill.com)
Description
BILL (formerly Bill.com) is a financial operations platform specializing in accounts payable (AP) and accounts receivable (AR) automation. It's a suitable option for companies that prioritize streamlining their payment processes, automating vendor payments, and reducing manual processes associated with financial transactions.
Key Features
- Automated Payments and Approvals: BILL automates the process of paying bills and obtaining approvals, saving time and reducing errors.
- Vendor Management: It provides tools for managing vendor information and relationships.
- ACH Payments and Reconciliation: BILL facilitates ACH payments and automates the reconciliation process.
Pricing
Bill offers tiered pricing based on feature usage.
Why People Prefer BILL Over Concur
- AP and AR Automation Focus: BILL's specialization in AP and AR automation makes it a strong contender for businesses that prioritize streamlining their payment workflows.
- Vendor Payment Efficiency: BILL is known for improving the efficiency of vendor payments and reducing the manual effort involved in the process.
So, What is the Best Concur Alternative?
The decision to switch from SAP Concur to a more efficient, cost-effective, and user-friendly expense management platform can yield significant improvements in an organization's financial workflows.
While each alternative discussed offers unique strengths and caters to different business needs, Fyle emerges as a compelling choice, particularly for SMBs and mid-market companies seeking to comprehensively streamline their expense management processes.
Fyle's sets itself apart with its real-time transaction feeds, which ensure accelerated reconciliations and minimize the occurrence of manual errors. Furthermore, its AI-powered receipt management significantly reduces manual effort by automating data extraction and receipt matching.
The platform's customizable multi-level approval workflows provide businesses with the flexibility to tailor the system to their specific policies, thereby enhancing compliance and expediting approvals.
