The SAP Concur Insider’s Guide
Everything we know about SAP Concur in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.
SAP Concur
The Insider’s Guide
Expense, travel and invoice management for all company sizes
Every plan, grade, refund rule and rival among spend and bill pay tools, read from SAP Concur’s own pages.
Made by SAP Concur · checked Nov 12, 2026 · toolgpa.com
Contents
- 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
- 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
- 03What it doesIts main features, where it runs, what it works with and who makes it
- 04Where it standsIts grades against its category, and whether to keep it or make your own
- 05The alternativesThe tools it is most often weighed against, side by side
- 06Quick answersThe questions people ask about it, each answered in a line or two
- 07About ToolGPAWho made this guide, what else is on the site, and how to cite it
ToolGPA put this guide together from SAP Concur’s own pages, its app-store listings and our grades. Every fact in it is on SAP Concur’s page too, where it is kept up to date. Checked Nov 12, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
2.0
GPA, above 26 of the 51 other spend and bill pay tools we grade
SAP Concur is a cloud platform for expense reports, business travel booking and invoice management. It offers Base, Plus and Premium expense plans priced per report, all with unlimited users, and the Premium plan adds Concur Travel. It lists more than 300 pre-built connectors.
To get you started, here are 8 things to know about SAP Concur, taken from its own pages and our grades.
Policies, approvals and an accounting integration to set up.
- 1
Best for global expense reports and travel at big companies
SAP Concur covers expense reports, travel booking, invoices, compliance checks and global tax and currency.
- 2
Paid plans start at $7 a month
As its pricing page puts it: $7 per report, varying with monthly commitment.
- 3
It runs on 3 platforms
Web, iOS and Android.
- 4
Expense reports
Automatic receipt capture and report generation, with spending policies that can be applied and updated centrally.
- 5
Travel booking
Concur Travel works with any travel management company or GDS and includes an AI assistant trained on company policy.
- 6
Invoice management
Concur Invoice covers PO matching, approval routing and duplicate-payment prevention.
- 7
A 2.0 GPA, above 26 of 51
That is against the other spend and bill pay tools we grade, on value, the free plan, features, ease of use and platforms.
- 8
Keep it
To replace SAP Concur you would be making connections to other products, each kept working as those products change. That is not a weekend's work, with an AI app builder or without one.
SAP Concur at a glance
- Pricing
- Paid, from $7 per report, varying with monthly commitment
- Free plan
- No
- Free trial
- None stated
- Runs on
- Web, iOS, Android
- Made by
- SAP Concur
- Category
- Spend & Bill Pay
- Our grade
- 2.0 GPA, fair
The report card
Best for global expense reports and travel at big companies
SAP Concur covers expense reports, travel booking, invoices, compliance checks and global tax and currency. It charges per expense report from $7, the rate depends on your contract commitment, and there is no free plan or trial.
| Subject | Grade | Comment |
|---|---|---|
| Value for money | C | Base starts at $7 per report and Plus at $11, with the rate falling as your commitment rises. Pricing by report is not directly per seat, so we leave it at the middle of the category's $7.50, $12 and $20. |
| Free plan and trial | F | The pricing page has no free plan or trial. |
| Features | B | Expense reports, travel booking, invoice management, compliance checks, global tax and currency, and a mobile app. The listing shows no gap in the core expense work. |
| Ease of use | C | No store rating on record. Policies, approvals and an accounting integration to set up. |
| Platforms and integrations | B | Web plus iPhone and Android apps, with six integrations on record. |
An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.
Who SAP Concur is for
- Fits if you are a large company with travel and international expense claims
- Works for finance teams that want compliance checks built in
Who it is not for
- Pricey if you file many reports, as the $7 and $11 are per report and only starting prices
- Not for you if you want to try it free, as there is no free plan or trial
- Watch out: Premium and Travel need a quote
- Watch out: the mobile app is free to download but needs an active subscription
Good to know
Good for
- Mid-size and large companies with travel and expense in one system
- Multinational finance teams handling VAT and many currencies
- Companies tied to SAP or other ERPs through pre-built connectors
Worth knowing
- Pricing is per expense report, and the page says the rate falls as the contract commitment grows.
- The $7 and $11 figures are starting prices; Premium and Travel require a quote.
- There is no free plan or free trial on the pricing page.
- The mobile app is free to download but needs an active subscription.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
$7
A month to start
SAP Concur is a paid product, starting at $7 per report, varying with monthly commitment.
The pricing page has no free plan or trial.
Base
$7
per report; varies with monthly commitment
Starting price for smaller businesses with basic expense reporting. Unlimited users and Concur Expense.
Plus
$11
per report; varies with monthly commitment
Starting price. Adds ExpenseIt, User Support Desk and reporting. Unlimited users.
Premium
Custom
Custom quote. Adds Concur Travel, Intelligence and more to the Plus features. Unlimited users.
Read from concur.com on Nov 12, 2026.
Part 03 · Features
What it does
Its main features, where it runs, what it works with and who makes it
3
Places it runs: Web, iOS and Android
Expense, travel and invoice management for all company sizes. Here is what it does, as its own site describes it, and what it covers: AI features, workflow automation, reports, expense tracking, bill pay.
Expense reports, travel booking, invoice management, compliance checks, global tax and currency, and a mobile app.
- Expense reports
- Automatic receipt capture and report generation, with spending policies that can be applied and updated centrally.
- Travel booking
- Concur Travel works with any travel management company or GDS and includes an AI assistant trained on company policy.
- Invoice management
- Concur Invoice covers PO matching, approval routing and duplicate-payment prevention.
- Compliance checks
- Real-time out-of-policy flagging before submission and configurable approval hierarchies by spend and organization.
- Global tax and currency
- VAT reclaim, real-time exchange rates at entry and multiple currencies within one organization.
- Mobile app
- A free app for iPhone and Android, which needs an active SAP Concur subscription to use.
Where it runs
- Web
- iOS
- Android
What it works with
- SAP
- ADP
- NetSuite
- QuickBooks
- Xero
- Egencia
SAP Concur is made by SAP Concur.
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
26/51
Other spend and bill pay tools it is graded above
SAP Concur's GPA of 2.0 is higher than 26 of the 51 other spend and bill pay tools we grade, and level with 5.
It stands best on features (B, above 40 of 51) and worst on free plan and trial (F, above 0).
Its paid plans start at $7 a month, against a middle price of $12 for the category: 4 of the 24 others that charge start lower.
On features, ease of use and platforms it scores 2.7 out of 4. 2 tools score higher and cost less.
Each grade against the category
Every bar is all 52 spend and bill pay tools we grade, cut by the letter each got. SAP Concur’s own letter is outlined.
- CValue for moneyAbove 3 of 51
- FFree plan and trialAbove 0 of 51
- BFeaturesAbove 40 of 51
- CEase of useAbove 0 of 51
- BPlatforms and integrationsAbove 9 of 51
Price against what you get
Each dot is one of 26 spend and bill pay tools. Further left costs less; higher up scores better on features, ease of use and platforms. SAP Concur is the marked dot.
What paid plans start at, a month (each step along is roughly double) →
Keep it, or make your own?
Whether this is something you could build for yourself with an AI app builder, and what you would give up.
Keep it
To replace SAP Concur you would be making connections to other products, each kept working as those products change. That is not a weekend's work, with an AI app builder or without one.
It costs $84 a year.
What you could make
- Expense tracking and reports: an app builder makes these well.
What you could not
- Connections to other products, each kept working as those products change.
- Money moved between bank accounts, which takes a licensed payments partner.
- A real app for iOS and Android. Something home-made would be a web page.
- AI features, unless you pay a model provider for each request yourself.
- The depth: we grade its features B, which means it covers the whole job.
What this rests on. SAP Concur’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
Part 05 · Alternatives
The alternatives
The tools it is most often weighed against, side by side
Expensify, Emburse, Navan, Zoho Expense and Rydoo
The 5 tools SAP Concur is most often weighed against, with where each one differs from it.
- 2.8GPA
Expensify
Free plan · from $5/mo
Receipt scanning, expense reports and company cards, from $5 a member.
- Expensify has a free plan. SAP Concur does not.
- Only Expensify lists a macOS app.
- Only Expensify lists a browser extension.
- 2.0GPA
Emburse
Paid
Travel, expense, AP and payments with AI compliance checks.
- Only SAP Concur lists iOS and Android apps.
- SAP Concur also covers workflow automation.
- Emburse also covers company cards.
- 2.8GPA
Navan
Free plan · from $15/mo
Business travel booking with expenses and corporate cards built in.
- Navan has a free plan. SAP Concur does not.
- SAP Concur also covers workflow automation and bill pay.
- Navan also covers company cards.
- 3.0GPA
Zoho Expense
Free plan · from $3/mo
Expense reports, receipt scanning and travel booking from Zoho.
- Zoho Expense has a free plan. SAP Concur does not.
- SAP Concur also covers workflow automation and bill pay.
- Zoho Expense also covers company cards.
- 2.6GPA
Rydoo
Free trial · from $9/mo
Expense reports with an AI receipt scanner and multi-country rules.
- SAP Concur also covers workflow automation, reports and bill pay.
- Rydoo also covers company cards.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
12
Questions, each answered in a line or two
The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.
Is SAP Concur free?
No. SAP Concur is a paid product, starting at $7 per report, varying with monthly commitment.
How much does SAP Concur cost?
SAP Concur lists 3 plans. Base: $7 per report; varies with monthly commitment.
What platforms does SAP Concur work on?
SAP Concur is available on Web, iOS and Android.
Does SAP Concur have a Windows app?
No Windows app was listed when its pages were read on Nov 12, 2026. SAP Concur is listed for Web, iOS and Android.
Does SAP Concur have a macOS app?
No macOS app was listed when its pages were read on Nov 12, 2026. SAP Concur is listed for Web, iOS and Android.
Is SAP Concur open source?
SAP Concur is not described as open source on its own site, as read on Nov 12, 2026.
What does SAP Concur integrate with?
SAP Concur's listing names SAP, ADP, NetSuite, QuickBooks, Xero and Egencia.
Who makes SAP Concur?
SAP Concur is made by a company of the same name.
What are the alternatives to SAP Concur?
The closest alternatives to SAP Concur in our directory are Expensify, Emburse, Navan, Zoho Expense and Rydoo.
How does SAP Concur compare with other spend and bill pay tools?
SAP Concur's GPA of 2.0 is higher than 26 of the 51 other spend and bill pay tools we grade, and level with 5.
Is SAP Concur good value for money?
ToolGPA grades SAP Concur C for value for money. Its paid plans start at $7 a month, against a middle price of $12 for the category: 4 of the 24 others that charge start lower.
Could I make my own version of SAP Concur?
To replace SAP Concur you would be making connections to other products, each kept working as those products change.
Where this guide comes from
The prices, plans, platforms and features were read from SAP Concur’s own pages on Nov 12, 2026, and the grades were given on Nov 12, 2026. Graded from this listing, whose facts were read from SAP Concur's own pages on 12 November 2026. Not based on using the product, and shorter than our full reviews.
Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by SAP Concur. Prices change, so check concur.com before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
5,038
Tools graded, in 95 categories
ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.
Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
5,038
tools graded
95
categories
739
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- SAP Concur, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/sap-concur
- How grades are givenThe rules behind every letter and every GPAtoolgpa.com/grades
- Value chartsWhat each tool costs against what it scores, for every categorytoolgpa.com/charts
- CompareAny two tools side by side, plan by plantoolgpa.com/compare
- Price changesEvery price rise and cut on record, each with its sourcetoolgpa.com/price-changes
- Prices by countryWhat apps cost on the App Store in 12 countriestoolgpa.com/prices-by-country
- Pay lessEvery public discount: yearly billing, students, nonprofitstoolgpa.com/save
- Keep or makeWhich tools are worth paying for, and which you could build yourselftoolgpa.com/keep-or-make
Scan for the live page
Prices and grades as they are today
Quoting this guide?
Please name ToolGPA and link to the live page, so readers can check the figures for themselves:
ToolGPA, "SAP Concur: The Insider's Guide", checked Nov 12, 2026. https://toolgpa.com/tools/sap-concur
Know someone choosing between spend and bill pay tools?
Send them this guide: toolgpa.com/tools/sap-concur/guide
ToolGPA elsewhere: youtube.com/@toolgpa
See our other guides
The best-graded spend and bill pay tools after SAP Concur, each with an Insider's Guide of its own.
- Spend & Bill Pay Insider's GuideEvery one of the 52 spend and bill pay tools we grade, compared
- Brex Insider's GuideCorporate cards, expenses, bill pay and travel for growing companies3.6 GPA
- Ramp Insider's GuideCorporate cards, expenses, travel and bill pay, with a free plan3.6 GPA
- Airwallex Insider's GuideMulti-currency business accounts, cards, bill pay and expenses3.2 GPA
Choosing software? Every tool graded, every price dated.
Compare tools at toolgpa.com ›Everything in this guide is ToolGPA’s own summary of what SAP Concur’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. SAP Concur is a trademark of its owner, and this guide is not made, paid for or approved by SAP Concur. Prices and plans change: check concur.com before you buy.