The short answer
Ramp and SAP Concur price expenses in different units. Ramp Free costs $0 per user and Plus lists $15 per user a month plus a platform fee Ramp does not publish.
Ramp expense management pricingRamp expense management alternatives
LeadChange Score: editorial assessment based on public information.
Ramp wins 2SAP Concur wins 12 ties
| Dimension | Ramp | SAP Concur |
|---|---|---|
| PricingRamp Free costs $0 per user and includes cards and receipt matching. SAP Concur starts from $7 per expense report on Base and $11 on Plus, and the per-report price falls as the contracted volume rises. Ramp Plus adds a platform fee it does not publish. Plus adds a platform fee based on team size (amount not published), Procurement is an add-on to Plus or Enterprise | $0/user/mo | $7/report (Base plan) |
| CapabilitiesRamp documents 9 of our 10 expense capabilities, including mileage and multi-currency. SAP Concur documents 7, and adds Concur Travel, Concur Invoice and expense audits run by its own auditors as a service. Receipt captured and memo filled as soon as the card is swiped, Expenses submitted by SMS, Slack or Microsoft Teams, Policy agent reviews every expense and flags exceptions, Cards lock automatically when receipts are missing (Plus), Mileage calculated through Google Maps, Unlimited physical and virtual cards | 9 of 10 core capabilities | 7 of 10 core capabilities |
| IntegrationsSAP Concur lists 300+ pre-built connectors, including SAP, NetSuite, ADP and Egencia. Ramp lists 200+, with 40+ accounting systems such as Workday Financials and Oracle Fusion Cloud. 300 | 200 native | 300 native |
| Fit and supportRamp names startups through global enterprises as customers; SAP Concur serves small businesses through enterprises. Concur offers 24/7 support from experts; Ramp offers chat, email and phone, and a dedicated account manager on Enterprise. Startups, small businesses, mid-market companies, enterprises | Startups, small business, mid-market, enterprise | Small businesses, mid-market companies, enterprises |
| SecurityBoth state SOC 2 Type II. SAP Concur’s report covers April 1, 2025 to March 31, 2026 and is shared under NDA; Ramp adds Okta, Google and Microsoft Azure sign-on with SCIM. Yes | SOC 2 | SOC 2 |
| Attribute | Ramp | SAP Concur |
|---|---|---|
| Pricing model | Per user | Tiered plans |
| Best for | Startups, small businesses, mid-market companies, enterprises | Small businesses, mid-market companies, enterprises |
| Single sign-on | Okta, Google, Microsoft Azure | SAML 2.0 |
| Native integrations | 200 | 300 |
| Support channels | Chat, email, phone, 24/7 phone support for travel bookings (Plus), dedicated account manager (Enterprise) | 24/7 support from experts, User Support Desk for employees (Plus and Premium) |
| Founded | 2019 | 1993 |
| Headquarters | New York, New York, US | Bellevue, Washington, US |
| Ownership | Private | Subsidiary |
| Attribute | Ramp | SAP Concur |
|---|---|---|
| Price transparency | Partly published | Partly published |
| Mobile apps | iOS, Android | iOS, Android |
| Open API | ||
| SOC 2 Type II |
Pricing. Ramp Free costs $0 per user and includes cards and receipt matching. SAP Concur starts from $7 per expense report on Base and $11 on Plus, and the per-report price falls as the contracted volume rises. Ramp Plus adds a platform fee it does not publish.
Capabilities. Ramp documents 9 of our 10 expense capabilities, including mileage and multi-currency. SAP Concur documents 7, and adds Concur Travel, Concur Invoice and expense audits run by its own auditors as a service.
Integrations. SAP Concur lists 300+ pre-built connectors, including SAP, NetSuite, ADP and Egencia. Ramp lists 200+, with 40+ accounting systems such as Workday Financials and Oracle Fusion Cloud.
Fit and support. Ramp names startups through global enterprises as customers; SAP Concur serves small businesses through enterprises. Concur offers 24/7 support from experts; Ramp offers chat, email and phone, and a dedicated account manager on Enterprise.
Security. Both state SOC 2 Type II. SAP Concur’s report covers April 1, 2025 to March 31, 2026 and is shared under NDA; Ramp adds Okta, Google and Microsoft Azure sign-on with SCIM.
Zoho Expense has the highest LeadChange Score in Expense Management after excluding these two (9.0/10).
From $3/user/mo
It depends on how you pay for spend. Ramp fits a company that wants new corporate cards with expenses built in, at $0 per user on the Free plan. SAP Concur fits a company that keeps its existing cards, wants Concur Travel and Concur Invoice from one vendor and prefers paying per report.
Ramp Free is $0 per user; Plus is $15 per user a month plus an unpublished platform fee, and Enterprise is quoted. SAP Concur’s Base starts at $7 per expense report and Plus at $11, with unlimited users; Premium is custom and is the only plan with Concur Travel. A team filing few reports pays Concur per report, not per seat.
In our expense management comparisons, Brex, Navan, Expensify, Rydoo, Zoho Expense and BILL Spend & Expense come up most against both. Ramp’s closest rivals also sell cards with expenses built in; Concur’s also sell travel and expense together.
Ramp lists travel among its products, next to cards, expenses, bill pay and procurement. SAP Concur sells Concur Travel with Concur Expense, and reconciles travel bookings with expense reports. On Concur, travel comes only with Premium, which is custom-priced.
On Ramp, the receipt is captured and the memo filled as soon as the card is swiped, and employees can submit by SMS, Slack or Microsoft Teams. On Concur, ExpenseIt reads the receipt with AI and policy checks run as the expense is submitted. Both have iOS and Android apps.
SAP SE. It agreed to acquire Concur Technologies in September 2014 for $8.3 billion. Concur was founded in 1993 and is based in Bellevue, Washington; Ramp was founded in 2019 and is based in New York.
Ramp lists 200 integrations and SAP Concur lists 300. Both connect to NetSuite, Xero, and QuickBooks.
Your team size, what matters most and your role: see which one fits more of your answers, from verified facts and list prices. Then, if you like, ask to hear from both.
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What the LeadChange Score means
A 0–10 editorial assessment built only from verified facts, across six weighted dimensions: capabilities, pricing, integrations, security, fit and support, and data confidence.
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