The short answer
SAP Concur and Navan both join business travel with expense management, and they price it differently. SAP Concur charges per expense report with unlimited users: Base from $7 and Plus from $11, with Concur Travel only in the custom-priced Premium plan.
LeadChange Score: editorial assessment based on public information.
SAP Concur wins 1Navan wins 12 ties
| Dimension | SAP Concur | Navan |
|---|---|---|
| CapabilitiesSAP Concur sells Expense, Travel, Invoice, ExpenseIt and Intelligence. Navan covers business travel, expenses, corporate cards, analytics, rewards and events. Both reconcile travel bookings with expenses. Concur Expense, Concur Travel, Concur Invoice, ExpenseIt, Intelligence | 7 of 10 core capabilities | 7 of 10 core capabilities |
| IntegrationsSAP Concur documents 300 integrations, including SAP, NetSuite, QuickBooks, Xero, ADP and Egencia. Navan lists NetSuite, QuickBooks Online, Xero, Sage and DATEV and publishes no total count. 300 | 300 native | 4 documented |
| Fit and supportBoth name small businesses, mid-market and enterprise as customers. SAP Concur offers 24/7 expert support; Navan offers 24/7 travel support agents and a customer success manager on Enterprise. Small businesses, mid-market companies, enterprises | Small businesses, mid-market companies, enterprises | Small businesses, mid-market companies, enterprises |
| SecurityNavan states SOC 2 Type II, ISO 27001 and GDPR. SAP Concur states SOC 2 Type II and publishes its controls through the SAP Trust Center. Yes | SOC 2 | SOC 2, ISO 27001, GDPR |
| Attribute | SAP Concur | Navan |
|---|---|---|
| Pricing model | Tiered plans | Per user |
| Support channels | 24/7 support from experts, User Support Desk for employees (Plus and Premium) | 24/7 travel support agents, designated account executive and customer success manager (Enterprise) |
| Founded | 1993 | 2015 |
| Ownership | Subsidiary | Publicly traded |
| Attribute | SAP Concur | Navan |
|---|---|---|
| Price transparency | Partly published | Partly published |
| Best for | Small businesses, mid-market companies, enterprises | Small businesses, mid-market companies, enterprises |
| Mobile apps | iOS, Android | |
| SOC 2 Type II |
Pricing. SAP Concur lists from $7 (Base) and $11 (Plus) per expense report with unlimited users; travel needs the quoted Premium plan. Navan Business is free for 5 monthly expensing users, then $15 per user, with travel free. The lower bill depends on reports filed and on headcount.
Capabilities. SAP Concur sells Expense, Travel, Invoice, ExpenseIt and Intelligence. Navan covers business travel, expenses, corporate cards, analytics, rewards and events. Both reconcile travel bookings with expenses.
Integrations. SAP Concur documents 300 integrations, including SAP, NetSuite, QuickBooks, Xero, ADP and Egencia. Navan lists NetSuite, QuickBooks Online, Xero, Sage and DATEV and publishes no total count.
Fit and support. Both name small businesses, mid-market and enterprise as customers. SAP Concur offers 24/7 expert support; Navan offers 24/7 travel support agents and a customer success manager on Enterprise.
Security. Navan states SOC 2 Type II, ISO 27001 and GDPR. SAP Concur states SOC 2 Type II and publishes its controls through the SAP Trust Center.
Ramp has the highest LeadChange Score in Expense Management after excluding these two (9.1/10).
From $0/user/mo
For small teams it can be: Navan Business charges nothing for the first 5 monthly expensing users and includes travel. SAP Concur charges from $7 per expense report, and travel needs the quoted Premium plan. Past 5 expensing users, Navan adds $15 per user a month.
Navan Business includes travel booking free for companies of up to 300 employees. At SAP Concur, Concur Travel is part of Premium only, which is priced per customer.
Yes. Navan Connect links existing Visa, Mastercard or American Express corporate cards; SAP Concur imports corporate card transactions automatically.
SAP Concur is sold by Concur Technologies, a subsidiary of SAP SE founded in 1993. Navan, founded in 2015, is a public company.
SAP Concur documents 300 integrations. Navan publishes a list rather than a count, naming NetSuite, QuickBooks Online, Xero, Sage and DATEV.
Both SAP Concur and Navan state SOC 2 Type II. Only Navan states ISO 27001 and GDPR.
Besides Navan, the highest-scored are Ramp, Zoho Expense, and Expensify. Every alternative, matched to the reason you might switch: SAP Concur alternatives.
Share your headcount and needs once and see how both fit your team, with the alternatives that match. If a matching provider works with us, you can ask to hear from them.
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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.
Payments, commissions and lead fees are never inputs.
