Expensify vs SAP Concur: How to choose the right platform

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 — Ramp has become the modern, all-in-one alternative built for scale.

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 that’s fast to roll out, intuitive to use, and powerful enough to scale.

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, visibility, and savings.

User reviews 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

• Overall score: 4.5/5
• Pros: fast reimbursements, simple mobile experience
• Cons: limited advanced features, add-on costs

SAP Concur

• Overall score: 4.0/5
• Pros: strong compliance controls, ERP integrations
• Cons: clunky interface, long processes, heavy admin load

Scores and soundbites are helpful — but they don’t always capture what it’s actually like to run finance operations on each tool. To get a clearer picture, it helps to look at how Expensify and Concur shape day-to-day workflows.

How Expensify and SAP Concur impact finance workflows

Expense tools don’t just differ on features — they shape how employees submit expenses and how finance teams manage spend day-to-day.

• Expensify: Employees like the simplicity of snapping receipts and submitting mileage, but finance teams often find the back-end limited. As companies grow, approval workflows can become disorganized, integrations require workarounds, and manual reconciliation starts to eat into close cycles. What feels lightweight at first can create more work for finance leaders as complexity increases.
• SAP Concur: Enterprises choose Concur for its compliance and ERP integrations, but those advantages come with trade-offs. The platform requires training for employees, the interface feels dated, and admins often spend significant time managing policies and workflows. For global organizations, it provides structure and control — but at the cost of speed and flexibility.

In practice, the decision comes down to how much structure your business needs today, and how much admin work you’re willing to take on to maintain it.

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.

The real challenge isn’t choosing between simple or complex — it’s finding a solution that avoids both extremes. Expensify can’t keep up as complexity grows, and Concur often slows teams down with too much overhead. The right platform should deliver control and visibility without creating more work, which is why many finance leaders now look beyond these two options.

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.

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: 4.5/5
• 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.

What makes Ramp different is how it unifies spend management into one system built to save both money and time. Instead of bolting together cards, reimbursements, and reporting, everything happens in real time and in one place. Policies are enforced the moment a purchase is made, receipts are matched automatically, and expenses flow straight into accounting without manual cleanup. That simplicity scales as companies grow — so teams don’t face the common choice between a tool that’s too lightweight or one that demands heavy admin work.

Ramp also goes beyond expense reporting:

• 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%.
• Ease of use: Ramp consistently outperforms both Expensify and SAP Concur on G2 for ease of use, support, and onboarding. Finance teams call out the intuitive interface and the ability to get live in days, not months.

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 leaders the best of both worlds: automation, visibility, and savings in one platform — without hidden costs or complexity. That’s why more than 45,000 finance teams trust Ramp to modernize spend management and free their teams from manual work.

See how Ramp can replace both Expensify and SAP Concur — and do more.