- How Navan, SAP Concur, and Ramp compare at a glance
- Travel booking and management
- Expense management and policy enforcement
- Beyond travel and expenses
- Pricing comparison
- Navan vs SAP Concur vs Ramp: full comparison
- Which platform fits your team?
- See why teams are choosing Ramp
Travel and expense management used to mean two separate tools, two logins, and twice the reconciliation headaches. Now finance teams expect a single platform that handles booking, spending, and reporting without the patchwork.
Navan, SAP Concur, and Ramp each take a different approach to solving this problem. Here's how they compare on travel booking, expense management, corporate cards, and pricing.
How Navan, SAP Concur, and Ramp compare at a glance
The table below highlights how the three platforms differ across pricing, features, and capabilities.
| Navan | SAP Concur | Ramp | |
|---|---|---|---|
| Best for | Companies where travel booking is the primary concern | Companies with complex global travel and compliance requirements | Companies managing spend across cards, expenses, AP, and travel |
| Pricing | Free travel booking; Expense features free for first 5 users; Enterprise custom | Usage-based starting ~$7/report; custom quotes | Free tier; Plus $15/user/mo; Enterprise custom |
| G2 Rating | 4.6/5 (1.3K reviews) | 4.0/5 (6.5K reviews) | 4.8/5 (2.3K reviews) |
| Travel booking | Flights, hotels, cars, and rail with modern UX | All travel categories with deep compliance controls | Flights and hotels with policy controls |
| Corporate cards | Yes, with spend controls | No native cards; third-party integrations | Yes, physical and virtual with granular controls |
| AP and bill pay | No | Yes (separate module) | Yes |
Next, we break down each feature to show how the platforms differ in practice.
Travel booking and management
Each platform takes a different approach to travel, from booking depth to policy controls.
Navan
Navan built its reputation on travel booking, and it shows. The interface feels modern, inventory is broad across flights, hotels, cars, and rail, and employees can earn rewards for booking under budget. If your team travels frequently and you want a consumer-grade booking experience, Navan may be a good fit.
SAP Concur
SAP Concur covers a wide range of travel booking capabilities, particularly for organizations operating in multiple countries. You get access to a broad network of travel management company partners and compliance controls that satisfy demanding corporate travel policies. The tradeoff is a steeper learning curve and an interface that some users find dated.
Ramp
Ramp's travel booking covers flights and hotels with built-in policy controls. Travel integrates directly with Ramp’s expense management and corporate cards, so bookings, receipts, and spend controls live in one system. For teams that want travel as part of a broader financial platform rather than a standalone tool, that integration often matters more than having every possible booking category.
Expense management and policy enforcement
The three platforms differ most in how they enforce spending policies.
Navan
Navan includes expense management as part of its travel platform. Expenses flow naturally from travel bookings, and the mobile experience makes it easy for employees to submit receipts on the go. However, the expense features are primarily designed for travel spending. If you're tracking office supplies, software subscriptions, or other non-travel expenses, you'll find the functionality more limited.
SAP Concur
SAP Concur offers highly configurable approval workflows. If your organization has complex, multi-level approval chains or operates across 150+ countries and 29+ languages, Concur can handle it. The tradeoff is more setup time and manual steps in the day-to-day process.
Ramp
Ramp takes a proactive approach to expense management. Rather than reviewing expenses after employees submit them, you set rules on corporate cards that prevent out-of-policy spending from happening in the first place. Cards can auto-lock when receipts are missing, and real-time alerts flag potential issues immediately. When ABB Optical Group switched from Concur to Ramp, their error rates dropped 85-90% and audit prep shrank from two months to one to two days.
Beyond travel and expenses
The three platforms differ most here in what they offer beyond T&E.
Navan
Navan focuses primarily on travel and expense management. Corporate cards are available, but AP automation and accounting integrations aren't core to the platform. If your main goal is booking travel and tracking trip expenses, Navan does that well. If you're looking to consolidate more of your finance stack, you'll likely need additional tools.
SAP Concur
SAP Concur offers expense management, travel booking, and invoice processing as a separate module. There are no native corporate cards, so you'll rely on third-party integrations. For large enterprises already running SAP's ERP systems, the deep integration can be valuable.
Ramp
Ramp isn't just a T&E tool. It's a complete financial operations platform that includes expense management, accounts payable, procurement, and accounting automation. You can manage corporate cards, pay bills, and close your books faster, all from one place. For finance teams looking to consolidate their tech stack, this breadth matters.
Pricing comparison
Pricing structures vary, and the sticker price doesn't always reflect the total cost.
Navan
Navan provides free travel booking, and expense features are free for your first five users. Beyond that, you'll move to enterprise pricing, which is custom-quoted based on your organization's size and needs.
SAP Concur
SAP Concur uses usage-based pricing that starts around $7 per expense report. There's no public pricing page, and many users on G2 note that the pricing structure can be confusing. Expect custom quotes and potentially long-term contracts.
Ramp
Ramp offers a free tier that includes travel booking, spend controls, automated payments, and faster book closes. Ramp offers cashback on purchases, which helps offset costs. The Plus tier runs $15 per user per month plus a platform fee based on team size, and adds advanced features like custom workflows and deeper analytics. Enterprise pricing is custom.
When comparing pricing, look beyond the per-user cost. Consider whether you'll need separate tools for AP or accounting automation. A lower per-user price doesn't help if you're paying for three different platforms to cover what one could handle.
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Navan vs SAP Concur vs Ramp: full comparison
| Feature | Navan | SAP Concur | Ramp |
|---|---|---|---|
| Travel booking | Flights, hotels, cars, rail | All categories with TMC partners | Flights and hotels |
| Expense management | Unified with travel | Highly configurable workflows | Real-time with proactive controls |
| Corporate cards | Yes, with spend controls | No native cards | Physical and virtual with granular controls |
| AP and bill pay | No | Yes (separate module) | Yes |
| Accounting automation | Limited | Via SAP ecosystem | Yes, with direct integrations |
| Policy enforcement | Built into booking flow | Reactive, approval-based | Proactive, at point of purchase |
| Global support | Strong | 150+ countries, 29+ languages | Available |
| G2 Rating | 4.6/5 | 4.0/5 | 4.8/5 |
Which platform fits your team?
If your priority is consolidating your finance stack into one platform, Ramp covers the most ground. You get proactive spend controls, real-time visibility, and automation that reduces manual work across your entire finance operation. Corporate cards, expenses, AP, travel, and accounting all live in one place.
If travel booking is your primary concern and you want a modern, employee-friendly experience, Navan may be a good fit. The platform makes business travel easy, and the built-in expense tracking keeps trip-related spending organized. Teams that travel heavily and don't need broader AP or accounting automation often find Navan meets their needs well.
If you're a large, multinational enterprise with complex compliance requirements and deep SAP integration needs, SAP Concur remains the traditional choice. The platform supports 150+ countries and 29+ languages, offers highly configurable workflows, and connects deeply with SAP's ERP systems.
See why teams are choosing Ramp
When ABB Optical Group switched from Concur to Ramp, their audit timeline dropped from two months to one to two days. Notion achieved 94% transaction compliance across 1,000+ employees in 10+ countries. These teams wanted more than T&E — they wanted one platform for cards, expenses, AP, travel, and accounting that actually works together.
Try an interactive demo to see how Ramp works, or explore more customer stories from finance teams that made the switch.
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“Compared to our previous vendor, Ramp gave us true transaction-level granularity, making it possible for me to audit thousands of transactions in record time.”
Lisa Norris
Director of Compliance & Privacy Officer, ABB Optical
“We chose Ramp because it replaced several disparate tools with one platform our teams actually use—if it’s not in Ramp, it’s not getting paid.”
Michael Bohn
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“Ramp gives us one structured intake, one set of guardrails, and clean data end‑to‑end— that’s how we save 20 hours/month and buy back days at close.”
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“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
