Question 1

How does Concur compare to Ramp, Expensify and Navan?

Accepted Answer

It is the enterprise one, and that is the most useful thing to know about it. The other three on this hub are built to be bought by the company itself, with a signup form and a published price. Concur is bought through a salesperson and metered by the expense report rather than by the person, which makes it the only one here whose bill is driven by activity instead of headcount. Ramp is free and earns on card interchange. Expensify charges per active member. Navan is travel led. Concur is the one that assumes you already have a finance department, a written travel policy and an auditor asking questions.

Question 2

Can I just buy Concur online?

Accepted Answer

No. There is no self serve checkout on any tier. You request a quote or a demo and a salesperson takes it from there. The roughly seven dollars a report on Base and roughly eleven on Plus that circulate online come from SAP own estimator rather than a price list, and what you are finally offered depends on volume, contract length and which modules you take. Budget for a procurement cycle, not a card payment.

Question 3

What does Concur actually cost per month?

Accepted Answer

That depends entirely on how many reports your team files, which is the whole point of the model. On the published Base starting rate of about seven dollars a report, seventy reports a month comes to roughly five hundred dollars. On Plus at about eleven, it is closer to forty five reports. That is arithmetic on their own starting figures rather than a quote, so treat it as a shape and not a number. Count your real monthly submissions and multiply.

Question 4

What counts as one expense report?

Accepted Answer

A submitted report, not a receipt and not a line item. Ten receipts bundled into one submission is one report. That matters more than it sounds, because it means how your team batches its claims changes your bill. A firm filing weekly pays roughly four times what the same firm pays filing monthly, for exactly the same spend. Ask SAP how they count before you model anything.

Question 5

What do you only get on Concur Plus and Premium?

Accepted Answer

Plus adds ExpenseIt, which reads a photographed receipt and builds the line item, and the User Support Desk, which is where your staff go when a submission will not go through. Premium is quoted rather than listed, and it is where Concur Travel sits along with the deeper configuration and reporting. Base gives you expense capture, policy enforcement and approvals, and it is the tier most published comparisons are built on.

Question 6

Concur works out cheaper than five hundred a month for us. Why would I pay you?

Accepted Answer

Then take Concur, and we mean that. If your team files fewer than about seventy reports a month, the Base rate is the cheaper answer and no argument from us changes the arithmetic. You should not pay us for the software. You pay us because the software is not the work. Somebody has to write the policy into the system, set the limits, build the approval routes, connect the platform to your accounting and rework all of it every time a department or an entity changes. Concur sells you the tool and leaves that part with you. If your team is happy owning it, keep your money.

Question 7

At what point does Concur stop being cheaper?

Accepted Answer

Around seventy reports a month on the Base starting rate, and around forty five on Plus. Above that our flat five hundred is the lower number and the gap widens every month. Below it Concur wins, and we will tell you so. The part worth noticing is which way each curve runs. Concur rises as your team files more, which is exactly the behaviour a working expense process produces. Ours does not move at all. Get a real quote from SAP and redo the arithmetic with their number rather than ours.

Question 8

Is Concur an expense tool or a travel system?

Accepted Answer

Both, and they are priced separately. The expense half is what Base and Plus cover. Concur Travel, which handles the booking itself, belongs to Premium and is quoted. If travel booking is the reason Concur is on your shortlist, the two tiers with published starting rates are not describing the product you would end up buying. Get the Premium number before you compare anything to anything.

Question 9

Does Concur handle mileage and per diems?

Accepted Answer

Yes, and well. Mileage rates, per diem tables and multi currency are all standard, and the compliance depth across jurisdictions is genuinely better than anything we would build for a small team. If you file in several countries at once and an auditor cares about the detail, that is a real reason to choose Concur over anything else on this hub, including us.

Question 10

Does Zoho Expense connect to the rest of Zoho?

Accepted Answer

That is the reason to choose it. Expense sits alongside Books, CRM, Projects and People, so a claim becomes an approval, a reimbursement, a project cost and a ledger entry without a connector holding the whole thing together.

Question 11

What exactly do you do for five hundred a month?

Accepted Answer

We write your expense policy into the system, build the categories and the limits, set the approval chains and the delegation rules, configure mileage and per diem rates, set up card feeds and receipt rules, connect Expense to Books and to your other Zoho apps, and then keep tuning all of it as your policy and your staff change.

Question 12

Do I need a Zoho subscription on top of your fee?

Accepted Answer

You need a Zoho plan that includes Expense, and that account is yours. We manage it, we do not resell it, and if you leave the account and the data stay with you.

Question 13

Can you move us off Concur?

Accepted Answer

Yes. Categories, policy limits, approval chains, submitted history and your card feeds come across, and we build the equivalent in Zoho Expense before anything is switched over. The one thing to plan around is travel. If you are on Premium and booking through Concur Travel, Zoho Expense has no equivalent booking tool, so you would keep booking wherever suits and file the receipts with us.

Question 14

Is there a minimum term?

Accepted Answer

No. Five hundred a month, month to month.

Question 15

What if we only have two people?

Accepted Answer

Then file on Concur Base, or run Zoho Expense yourself, and keep your five hundred dollars. Two people filing a handful of claims a month is not a problem worth paying anyone to manage. Come back when month end starts costing somebody an afternoon a week.

Question 16

What happens if we outgrow Zoho?

Accepted Answer

Some businesses do. Once expense is one small part of manufacturing, inventory or project accounting, the honest answer is ERPNext rather than another Zoho app, and we run that as well.

A Concur Alternative for Finance Teams Billed by the Report, Not the Head

The meter is the expense report, not the employee

Receipt capture and the support desk both sit on Plus

Travel is a different product, and it is quoted rather than listed

Cascadia

Without Cascadia

Someone sits with the people who file and approve claims and turns how they work into policy limits, categories and approval routes

Someone writes the policy rules, the rejection wording and the reminder cadence, then tests what a real submitter actually sees

Limits, categories and approval chains reviewed every month against the claims that actually came in

A price that does not move when the team files twice as many reports this quarter

The same named person every time, who configured your expense policy and remembers why

One expense policy every department agreed on, instead of five managers each approving to their own standard

One monthly figure with no report count attached and no annual commitment

The claim, the approval, the reimbursement and the ledger entry living in one system

An honest no on the first call if a spreadsheet and a shared folder really are all you need

Reporting that joins the claim to the project, the customer and the ledger without a connector in between

Where Concur fits

Where a per report fee stops being the thing that matters

Where Concur is strong

What five hundred a month covers when the rate itself looks perfectly reasonable

What the first sixty days look like when nobody has to own the setup

Nothing gets built until we have followed one real claim from receipt through to reimbursement

The claims in flight and the categories people actually use move first, and get checked before anyone files against them

The categories, the limits and the approval routes get built around you, not left on defaults

You run a full month on it, including a real month end and a real rejected claim

Don't Take Our Word For It

A firm whose expense bill grew because the process finally worked

A firm where the expense report was never really the point

Dollars a month, published on this page, whatever your submission volume does

Dollars per report, per user, per receipt scanned or per approval routed

Weeks, usually, before the month closes cleanly without us in it

Concur alternative and managed Zoho Expense FAQs

Ask Us Anything