Ramp vs SAP Concur
expense management head-to-head for ERP teams: evidenced capabilities, published pricing, and which ERPs each actually integrates with.
| Starting price | Free tier available | Quote-based |
| Deployment | Cloud | Cloud |
| Company size | SMB, Mid-market, Enterprise | Mid-market, Enterprise |
| Stated ERP integrations | NetSuite, Sage Intacct, QuickBooks, Microsoft Dynamics 365, Xero, Acumatica, Oracle Fusion Cloud, Workday | SAP, NetSuite, Oracle Fusion Cloud, Microsoft Dynamics 365, QuickBooks |
| Vendor | Ramp | SAP |
Our take
Where Ramp leads
- Stronger evidenced coverage on 7 of the 25 capabilities where they differ (led by physical and virtual card issuance and per-card spend limits and merchant controls).
- Stated Sage Intacct, Xero, Acumatica, Workday integration the alternative doesn't list.
Where SAP Concur leads
- Stronger evidenced coverage on 18 of the 25 capabilities where they differ (led by fraud and anomaly detection and multi-level approval workflows).
- Stated SAP integration the alternative doesn't list.
Where they differ
The 25 capabilities (of 47 in the expense management taxonomy) where the evidence separates them, biggest gaps first. “Not evidenced” means our research found no public documentation of this capability — the vendor may still offer it. Confirm on a demo.
| Capability | ||
|---|---|---|
| Physical and virtual card issuanceCorporate Card Management | Core strength Unlimited physical and virtual card issuance | Not evidenced |
| Per-card spend limits and merchant controlsCorporate Card Management | Core strength Per-card spend limits and merchant/category restrictions | Not evidenced |
| Real-time spend controlsCorporate Card Management | Core strength Real-time spend controls enforced at the card level | Not evidenced |
| AI-driven policy reviewPolicy, Compliance & Fraud Controls | Core strength AI Policy Agent that reviews and approves transactions against policy | Not evidenced |
| Fraud and anomaly detectionPolicy, Compliance & Fraud Controls | Not evidenced | Core strength Fraud and duplicate detection via spend pattern analysis |
| Multi-level approval workflowsApproval Workflows | Not evidenced | Core strength Multi-level approval workflows |
| Integrated travel bookingTravel Management | Not evidenced | Core strength Integrated travel booking (Concur Travel) |
| Configurable analytics and reportingBudgeting, Spend Visibility & Reporting | Not evidenced | Core strength Configurable analytics (Concur Intelligence) |
| Savings and spend-optimization insightsBudgeting, Spend Visibility & Reporting | Core strength Spend dashboards and savings insights | Not evidenced |
| Third-party app marketplacePlatform, Administration & Integrations | Not evidenced | Core strength App Center marketplace with 900+ partners |
| Mobile app receipt captureExpense & Receipt Capture | Not evidenced | Supported Mobile receipt photo capture with OCR via ExpenseIt |
| Receipt itemizationExpense & Receipt Capture | Not evidenced | Supported Receipt itemization and categorization |
| Duplicate expense detectionExpense & Receipt Capture | Not evidenced | Supported Fraud and duplicate detection via spend pattern analysis |
| Audit trail and receipt verificationPolicy, Compliance & Fraud Controls | Not evidenced | Supported Audit rules and receipt verification |
| Delegate and proxy approvalsApproval Workflows | Not evidenced | Supported Delegate and proxy approvals |
| Purchase order / request matchingAccounts Payable / Invoice Management | Not evidenced | Supported Purchase request and PO matching |
| Itinerary and trip-change managementTravel Management | Not evidenced | Supported Itinerary and trip management |
| Duty-of-care traveler trackingTravel Management | Not evidenced | Supported Duty-of-care and traveler tracking |
| Travel-to-expense linkageTravel Management | Not evidenced | Supported Automatic linkage of travel spend to expense reports |
| Open APIPlatform, Administration & Integrations | Not evidenced | Supported Open APIs for custom integrations |
| SSO and enterprise identity integrationPlatform, Administration & Integrations | Not evidenced | Supported Single sign-on and identity integration |
| Receipt OCR captureExpense & Receipt Capture | Supported Receipt OCR and matching | Core strength Mobile receipt photo capture with OCR via ExpenseIt |
| Out-of-policy flaggingPolicy, Compliance & Fraud Controls | Supported Out-of-policy flagging and exceptions | Core strength Out-of-policy flagging on submission |
| Vendor payment executionAccounts Payable / Invoice Management | Core strength ACH, check and card vendor payments | Supported Vendor and payment management |
| Real-time spend dashboardsBudgeting, Spend Visibility & Reporting | Core strength Spend dashboards and savings insights | Supported Spend dashboards and standard reports |
Both grade identically on the other 22 capabilities — see each product's full profile: Ramp, SAP Concur.
Ramp vs SAP Concur — FAQs
Is Ramp or SAP Concur better for ERP integration?
Both state integrations with NetSuite, QuickBooks, Microsoft Dynamics 365, Oracle Fusion Cloud. Ramp additionally lists Sage Intacct, Xero, Acumatica, Workday. SAP Concur additionally lists SAP. Always verify the connector against your ERP version with a reference customer.
Which is cheaper, Ramp or SAP Concur?
Neither publishes a list price — both quote. Ask each for the all-in first-year cost at your seat count, as one number, and compare those.
Get pricing for both
Tell us your ERP, seat count and must-haves and we'll come back with an independent view of what Ramp and SAP Concur should each cost you — and whether a third option belongs on your shortlist.