- Expensify at a glance
- SAP Concur at a glance
- Expensify vs SAP Concur: how the features compare
- What users say on G2
- Key considerations when comparing Expensify and Concur
- Pricing: what you’ll actually pay
- Ramp: the better alternative
- Bottom line
Expensify and SAP Concur are two of the most recognized names in expense management. Both promise to make expense reporting easier, but they’re designed with different types of businesses in mind. Expensify is lightweight and mobile-first, while SAP Concur is enterprise-grade and compliance-focused.
Still, many finance leaders find themselves stuck between two extremes: a tool that’s too simple or one that’s too complex. Below we’ll compare how Expensify and SAP Concur stack up on key features, pricing, and user sentiment — and show why Ramp has become the modern alternative.
Expensify at a glance
Expensify is best known for its mobile receipt scanning and reimbursement workflows. Employees can take photos of receipts, submit mileage, and get reimbursed quickly. This ease of use makes it popular with small teams and startups.
Where Expensify often falls short is scalability. Approval workflows are limited, deeper controls come with higher tiers, and integrations focus mostly on SMB accounting platforms.
SAP Concur at a glance
SAP Concur is built for global enterprises. It connects travel booking with expense reporting and offers advanced policy enforcement. Enterprises use it for its compliance and integration with major ERPs.
But SAP Concur is also known for complexity. Implementations can be long, the interface feels dated, and ongoing administration requires significant resources. For smaller or faster-moving teams, it can be more system than they need.
Expensify vs SAP Concur: how the features compare
When you put Expensify and SAP Concur side by side, the differences are clear. Expensify focuses on simple expense capture and reimbursements, while Concur leans into enterprise workflows and compliance. Ramp combines both approaches in a single platform, designed to be easy to use and scalable.
All three cover the basics of expense reporting, but they’re built with very different priorities. Expensify leans on simplicity, SAP Concur on depth, and Ramp on automation and transparency.
The table below highlights where each tool delivers — and where they leave gaps:
Feature | Expensify | SAP Concur | Ramp |
|---|---|---|---|
Expense capture and reporting | ✓ | ✓ | ✓ |
Corporate/virtual cards | Limited | No | ✓ |
Approval workflows | ✓ | ✓ | ✓ |
Integrations | ✓ | ✓ | |
Analytics and visibility | ✓ | ✓ | ✓ |
Pricing model | Per-user fees | Custom contracts | $0 per user for free tier |
Customer support | Limited | Enterprise-level | ✓ |
With Ramp, companies save an average of 5% annually through automated savings insights, from spotting duplicate subscriptions to negotiating better vendor rates.
What users say on G2
User reviews can reveal gaps that don’t always show up in feature lists. On G2, both Expensify and SAP Concur receive solid marks overall, but the feedback highlights clear differences in usability, depth, and customer experience.
Expensify
- Ease of use: 4.5/5
- Meets requirements: 4.3/5
- Pros: fast reimbursements, simple mobile experience
- Cons: limited advanced features, add-on costs
SAP Concur
- Ease of use: 3.9/5
- Meets requirements: 4.1/5
- Pros: strong controls, global compliance capabilities
- Cons: slow, clunky interface, heavy admin load
The reviews mirror the positioning: Expensify is easy but shallow; SAP Concur is deep but hard to use.
Key considerations when comparing Expensify and Concur
Beyond features and reviews, most finance leaders weigh three practical questions before deciding:
- Implementation: Expensify is quick to roll out for small teams, while Concur often requires long, complex implementations.
- Admin load: Concur demands ongoing configuration and dedicated admins. Expensify is lighter, but workflows can become messy as teams grow.
- Scalability: Expensify is best for startups and small teams, but hits limits as complexity grows. Concur scales globally, but can be more system than smaller or mid-sized companies need.
For many finance leaders, the choice ends up feeling like a trade-off: simple but limited, or powerful but heavy.
Pricing: what you’ll actually pay
- Expensify: Per-user pricing that rises quickly with headcount, plus add-ons for advanced workflows or integrations.
- SAP Concur: Custom enterprise contracts. Pricing varies, but implementation fees and admin overhead often make it expensive for smaller teams.
For most growing businesses, the choice is between a tool that doesn’t scale or one that’s overkill.
Unlike Expensify’s per-user pricing and Concur’s enterprise contracts, Ramp charges $0 per seat — with unlimited cards, expense automation, and integrations included.
Ramp: the better alternative
Ramp is designed to eliminate the trade-offs finance teams face with Expensify and SAP Concur by combining expense management, cards, bill pay, and travel in one unified platform — without per-user pricing or enterprise overhead.
On G2, Ramp consistently earns higher ratings than both Expensify and SAP Concur:
- Ramp: 4.8/5
- Expensify: 4.4/5
- SAP Concur: 4.0/5
Finance teams highlight Ramp’s ease of use, customer support, and overall value — making it the top-rated choice for growing businesses.
Expense management that runs itself
Receipts are automatically matched to transactions, policies are enforced in real time, and expenses sync straight to accounting — no chasing employees, no manual reconciliation.
Corporate cards included
Unlimited physical and virtual cards with built-in controls. Unlike Expensify (limited to its own card) and SAP Concur (no cards natively), Ramp puts spend control at the center.
Integrations that fit your stack
Whether you use QuickBooks, Xero, NetSuite, or Sage, Ramp integrates seamlessly. It also connects with HRIS and collaboration tools for a full view of company spend.
Savings built in
Ramp identifies duplicate subscriptions, negotiates vendor rates, and delivers insights that save customers an average of 5%.
Easier to use
Ramp consistently outperforms both Expensify and SAP Concur on G2 for ease of use, support, and overall value. Finance teams highlight the intuitive interface and fast onboarding.
Bottom line
Expensify and SAP Concur both help businesses manage expenses, but each comes with trade-offs. Expensify is simple but lacks depth. SAP Concur is powerful but complicated.
Ramp gives finance teams the best of both worlds: automation, savings, and visibility — without hidden costs or complexity. That’s why more than 25,000 businesses trust Ramp to modernize spend management.
See how Ramp can replace both Expensify and SAP Concur — and do more.
“Ramp is the only vendor that can service all of our employees across the globe in one unified system. They handle multiple currencies seamlessly, integrate with all of our accounting systems, and thanks to their customizable card and policy controls, we're compliant worldwide.” ”
Brandon Zell
Chief Accounting Officer, Notion
“When our teams need something, they usually need it right away. The more time we can save doing all those tedious tasks, the more time we can dedicate to supporting our student-athletes.”
Sarah Harris
Secretary, The University of Tennessee Athletics Foundation, Inc.
“Ramp had everything we were looking for, and even things we weren't looking for. The policy aspects, that's something I never even dreamed of that a purchasing card program could handle.”
Doug Volesky
Director of Finance, City of Mount Vernon
“Switching from Brex to Ramp wasn’t just a platform swap—it was a strategic upgrade that aligned with our mission to be agile, efficient, and financially savvy.”
Lily Liu
CEO, Piñata
“With Ramp, everything lives in one place. You can click into a vendor and see every transaction, invoice, and contract. That didn’t exist in Zip. It’s made approvals much faster because decision-makers aren’t chasing down information—they have it all at their fingertips.”
Ryan Williams
Manager, Contract and Vendor Management, Advisor360°
“The ability to create flexible parameters, such as allowing bookings up to 25% above market rate, has been really good for us. Plus, having all the information within the same platform is really valuable.”
Caroline Hill
Assistant Controller, Sana Benefits
“More vendors are allowing for discounts now, because they’re seeing the quick payment. That started with Ramp—getting everyone paid on time. We’ll get a 1-2% discount for paying early. That doesn’t sound like a lot, but when you’re dealing with hundreds of millions of dollars, it does add up.”
James Hardy
CFO, SAM Construction Group
“We’ve simplified our workflows while improving accuracy, and we are faster in closing with the help of automation. We could not have achieved this without the solutions Ramp brought to the table.”
Kaustubh Khandelwal
VP of Finance, Poshmark
