Controlling business spending is more than just approving expense reports—it's about creating systems that are efficient, transparent, and aligned with company policy. For HR teams and finance departments, the right software can make all the difference in reducing manual work, preventing fraud, and finding out where all the money’s going.

Ramp and Concur are two leading expense management platforms built to address these needs, each offering a unique set of tools to simplify spending and reimbursements. While Ramp positions itself as a modern, automation-first solution, Concur offers a mature, enterprise-grade system backed by SAP’s extensive infrastructure.

This article compares both platforms by exploring their features, benefits, and the types of organizations they are best suited for

Ramp Vs Concur: At A Glance

Features

Ramp

Concur

Expense Management

Offers a modern expense management system built around automation and proactive controls

Provides an enterprise-grade expense solution that’s geared towards global companies

Travel

Utilizes Priceline's flight and hotel inventory to reduce costs

Grants access to an extensive network of travel suppliers

Reporting

Provides real-time visibility into company spending, allowing businesses to identify bottlenecks

Offers a unified view of spending data through interactive dashboards and customizable reports

Mobile App

Integrates with services like Gmail and Lyft to automate receipt collection

Utilizes the Expenselt feature which uses AI to convert receipt photos into categorized expense entries

Pricing

Starts with a free option

Customized pricing

What Is Ramp?

Ramp Financial Ramp is a modern financial operations platform designed to help businesses automate and control their spending. Founded in 2019, Ramp integrates corporate cards, expense management, accounts payable, and real-time reporting into a single, user-friendly platform. Its main aim is to enable companies to achieve more by spending less, offering tools that streamline financial workflows and enhance visibility into company expenditures.

Ramp's platform is particularly beneficial for HR and finance teams seeking to reduce manual processes and improve compliance. With support for global operations, Ramp allows businesses to manage expenses across multiple currencies and entities, making it suitable for organizations of various sizes and industries. Currently, over 30,000 businesses have adopted Ramp to simplify their financial operations, collectively saving significant time and resources.

Unique Ramp Features

  • Built-In Corporate Card With Pre-Set Controls: Ramp issues physical and virtual cards with spend limits, merchant restrictions, and real-time alerts
  • Automated Receipt Matching Via SMS And Gmail: Allows employees to match receipts automatically from Gmail or via text

Ramp Pros And Cons

Pros:

  • Streamlines finance processes
  • Offers cashback and partner benefits for savings
  • Easy to submit receipts for credit changes and reimbursements

Cons:

  • Creating rules for memos can be complex
  • Does not support multi-functioning roles

What Is Concur?

Concur is a travel, expense, and invoice management platform designed to help organizations automate financial processes, improve compliance, and gain real-time visibility into spending. As a subsidiary of SAP SE, SAP Concur offers a cloud-based solution that integrates with existing ERP, CRM, HR, and accounting systems, providing a unified platform for managing business expenditures.

As of now, Concur serves over 46,000 organizations worldwide, ranging from small businesses to large enterprises. Its various solutions are particularly beneficial for industries with complex travel and expense needs, such as finance, healthcare, technology, and government sectors.

Unique Concur Features

  • Global Compliance Tools And Tax Handling: The platform supports VAT reclaim, international tax compliance, and region-specific policies
  • TripIt Pro Integration For Travel Itineraries: Concur offers TripIt Pro, which provides users with real-time travel alerts, airport navigation, and itinerary sharing

Concur Pros And Cons

Pros:

  • Handles all travel arrangements and company card expense management
  • Tracks reimbursement submissions
  • Provides clear updates on report processing stages

Cons:

  • Cannot apply the same image to multiple expenses
  • If a receipt is uploaded before it’s recorded, it’s wrongly recognized as debit instead of credit

Ramp Vs Concur – Features Comparison

Expense Management

Ramp offers a modern expense management system built around automation and proactive controls. It combines corporate cards with real-time policy enforcement, allowing businesses to set predefined spending limits and approval workflows. This in turn, prevents out-of-policy expenditures before they occur.

In addition, Ramp also auto-categorizes transactions, and matches receipts via SMS or integrations like Gmail and Lyft. Its AI tools reduce manual oversight and help identify savings opportunities, making it ideal for fast-moving teams that want speed, control, and visibility.

Meanwhile, Concur provides an enterprise-grade expense solution that automates everything from receipt capture to reimbursement. This all-out approach in regards to automation helps in streamlining back-office operations and reducing errors. It also offers auditing tools that enhance policy enforcement and compliance.

On top of that, Concur can integrate with over 700 CRM, ERP, HR and accounting systems, ensuring a continuous data flow across all operations. These features are a great help to large or global companies that need deep configurability and policy control across departments and regions.

Winner: Concur wins this round by providing a highly configurable solution. That being said, any smaller organization that requires a modern, automated approach towards expense management may find Ramp more to their liking.

Travel

Ramp provides a streamlined travel booking experience integrated with its expense management platform. Users can book flights and hotels directly through Ramp, benefiting from access to Priceline's flight and hotel inventory without incurring platform booking fees. The system enforces customizable travel policies, allowing businesses to set specific controls such as per diems and hotel rate limits.

The platform’s intuitive interface simplifies the booking process, and its automation features handle expense categorization and receipt matching. Additionally, Ramp offers real-time visibility into travel spending, enabling organizations to monitor expenses and ensure compliance effectively.

In a similar fashion, Concur’s travel solution helps reduce financial risk by combining it with Concur’s expense management platform. By doing this, companies can create a complete spending solution that provides an overall view of spending data and travel bookings, while also allowing businesses to reimburse employees faster.

Concur also provides access to an extensive network of travel suppliers, allowing employees to make travel arrangements the way they want to. Finally, Concur’s TripLink connects all parties (travelers, managers, etc.), allowing travelers to optimize their travel program and benefit from a more simplified experience.

Winner: Concur’s extensive travel network puts it ahead of Ramp, making it the winner here. However, Ramp is still a good solution for anyone that wants to benefit from Ramp’s Priceline discounts.

Reporting

Ramp provides real-time visibility into company spending, allowing finance teams to monitor transactions as they occur. Its reporting tools highlight anomalies and compliance issues, enabling immediate corrective actions. They also provide details of every transaction, allowing companies to see any possible bottlenecks and get rid of any needless expenses.

The platform also integrates seamlessly with tools like Excel, Snowflake, BigQuery, and Redshift, facilitating in-depth analysis and forecasting without manual data transfers. Lastly, Ramp offers the ability to import data directly instead of relying on manual CSV transfers.

On the other hand, Concur offers a unified view of spending data through interactive dashboards and customizable reports. Its analytics tools provide up-to-date information that’s automatically refreshed, allowing stakeholders to make informed decisions.

Additional features include automated data refreshes, personalized views, and the ability to schedule reports and alerts, ensuring proactive spend management across the organization. Finally, Concur offers the Analytics Reporting Service, providing businesses with unlimited access to reporting consultants that help businesses in mapping out their strategies.

Winner: Ramp offers a more proactive approach when it comes to reporting tools and spending, making it the winner here.

Mobile App

Ramp’s mobile app offers a streamlined interface designed for quick and efficient expense management. Users can access both physical and virtual corporate cards, submit expenses by capturing receipts, and request reimbursements directly through the app. The app also integrates with services like Gmail and Lyft to automate receipt collection, reducing manual entry.

Additionally, managers can approve transactions, adjust spending limits, and monitor compliance in real-time, making it a practical tool for teams seeking agility and control on the go.

In the same way, Concur’s mobile app helps companies manage expenses, travel, and invoices. Users can create and submit expense reports, capture and track mileage, approve invoices, and book travel itineraries directly from their smartphones. The app includes the ExpenseIt feature, which uses AI to convert receipt photos into categorized expense entries, streamlining the reporting process.

Furthermore, the integration with TripIt Pro offers real-time travel alerts and itinerary management, enhancing the overall travel experience for business users.

Winner: Concur’s mobile accounting app offers more in terms of travel management, whereas Ramp is focused on expense management. Therefore, Concur wins this round.

Pricing

Ramp offers a clear and straightforward pricing model with 3 tiers:

  • Free - $0/month/user
  • Plus - $15/month/user
  • Enterprise – Custom pricing

The base pricing plan offers essential features such as unlimited cards, travel bookings, etc. Higher pricing tiers offer more advanced features such as corporate cards, custom services, custom ERP integrations, etc.

Conversely, Concur employs a customized pricing approach based on the specific needs and usage patterns of each organization. This pricing model is designed to cater to businesses of varying sizes and complexities, offering scalable solutions that align with specific operational needs. Finally, they also support volume-based discounts.

Winner: Ramp provides a transparent, affordable pricing structure with a free option, making it the winner here. However, global companies looking for a software to handle their complex requirements may find Concur more suited to their needs.

Which One To Choose – Ramp Or Concur?

By now we can see that both Ramp and Concur provide powerful expense management solutions. However, they cater to different kinds of businesses.

Ramp is ideal for fast-moving companies that value automation, simplicity, and real-time visibility—making it a strong choice for startups and mid-sized businesses in tech, e-commerce, etc.

In contrast, Concur is better suited for larger enterprises or global organizations that require a comprehensive, compliance-heavy platform with integrated travel, invoicing, and analytics.

Therefore, the right choice depends on your company’s size, travel complexity, and how much control and integration you need across your financial systems. However, if neither software is what you need right now, try alternatives such as Quickbooks and Sage Intacct.