Concur

What Is Concur?

SAP Concur is a cloud-based software that merge spend processes across three core areas: expense management (receipt capture, auditing, and compliance), travel management (booking and policy enforcement), and invoice management (PO matching and approval routing). It is owned by SAP and operated under the legal entity Concur Technologies, Inc.

Concur uses industry datasets to support features throughout the expense process. These include receipt scanning through OCR and expense categorization along with card-to-receipt matching and policy checks before a report is submitted. Joule is SAP Concur’s agentic AI assistant and uses an organization’s own travel and spending policies to provide relevant assistance.

What Is Concur Best For?

SAP Concur is known for its expense compliance features. Configurable policy checks compare expenses with company rules before submission. The software detects expenses that do not meet those rules and send reports to the appropriate approvers. This gives finance teams more control over expense reviews and company spending.

How Much Does Concur Cost?

Concur pricing is based on a per-report pricing basis starting at around $7/expense report (unlimited users) for the Base plan. The final cost may be different, and may depend on factors like monthly usage, contract terms, and selected products. Other plans include:

• Plus: ~$11/expense report (unlimited users)
• Premium: Custom pricing

Additional Costs to Consider

• Implementation And Deployment: $10,000–$50,000 covers configuration and implementation planning
• Data Migration: $2,000–$20,000+ covers the transfer of employee records and historical transaction data from the old systems
• Additional Expense Reports: $7–$11+/report may apply when usage exceeds the contracted transaction volume
• Travel And Invoice Modules: $5,000–$50,000+ annually may be added to the subscription depending on the modules selected and their usage
• Custom Configuration And Consulting: $5,000–$30,000+ covers custom reporting requirements and consulting services

Disclaimer: The pricing is subject to change.

Concur Integrations

SAP Concur offers pre-built connectors including:

• SAP CRM software
• NetSuite ERP
• QuickBooks
• Xero accounting solution
• Sage CRM
• Egencia

How Does Concur Work?

Here is how users can start working with the software:

• Sign in to SAP Concur through the web or mobile app using company credentials
• Book business travel through Concur Travel while company policies guide flight and hotel along with car rental choices
• Capture receipts by taking a photo or forwarding them by email along with using corporate card transactions while OCR extracts key expense details
• Create an expense report by adding receipts and imported corporate card transactions while the system matches them when possible
• Check expenses against company policies before submission with items that do not meet the rules flagged for correction
• Submit the expense report so it moves through the approval process based on company rules and spending limits
• Process supplier invoices through purchase order matching and approval routing to identify duplicate or incorrect payments
• Sync approved data from travel and expenses along with invoices to connected ERP and accounting systems through available integrations

Who Is Concur For?

Concur is ideal for the following industries:

• Accounting and consulting
• Banking and financial services
• Healthcare
• Life sciences
• Manufacturing
• Government
• Education
• Nonprofit organizations

Concur Use Cases

Based on our analysis of SAP Concur's current capabilities, the following scenarios represent the strongest fit:

Multinational Enterprises Managing Multi-Currency, Multi-Entity Spend

Global expense management in Concur is treated as a core design requirement rather than an add-on. It has real-time foreign exchange handling at the point of entry, multi-country VAT and tax compliance, and cross-border allocation across entities built into the platform. Organizations operating across many countries and currencies use this infrastructure-level support to avoid stitching together region-specific tools.

Organizations Already Anchored To The SAP Ecosystem

Because SAP Concur shares native integration with SAP's broader ERP suite, organizations already running SAP for finance and operations use Concur as a natural extension. They use it instead of introducing a separate, disconnected vendor relationship into their tech stack.

Finance Teams Needing Point-of-Submission Compliance Enforcement

Rather than catching policy violations during post-processing audit, Concur flags out-of-policy spend in real time before a report is even submitted. Finance and compliance teams under regulatory scrutiny — particularly in government, financial services, and life sciences — use this to reduce audit burden and enforce consistent policy across teams and geographies.

Enterprises Consolidating Travel Booking Behind An AI-Guided Assistant

With Joule trained on an organization's specific travel policies, employees can book travel that aligns with company policies. It provides guidance to them during the booking process. Because it is trained on the organization's travel rules, employees spend less time reviewing policy documents and are less likely to make non-compliant bookings.

Is Concur Right For You?

Concur is a good fit for large multinational companies and businesses that already use SAP and need strong compliance controls along with support for different currencies and connections with other business systems. Independent analysts also recognize its position in the market. In 2025, IDC MarketScape named it a leader across enterprise, midmarket, small business, and travel-booking AI categories.

Its AI assisted checks run automatically to check duplicates and receipt data prior to submission. Moreover, the new American Express Global Business Travel (Amex GBT) and Concur integrations can book travel through the connected system, while travel and expense information can flow into Concur instead of different platforms.

If your company has the size and resources to make its investment worthwhile, especially if you already run SAP as your ERP system, the depth SAP Concur offers is reliable.

Still doubtful if Concur is the right fit for you? Get in touch at (661) 384-7070, and we will help you make an informed decision.