Ramp vs SAP Concur: which fits your firm?
Ramp publishes a free plan and SAP Concur starts at $7; both list small and mid-size firms.
Prices and details checked August 15, 2026 for Ramp and October 27, 2026 for SAP Concur. Both records sit in AP, AR, and payments and are compared on vendor-published specifications, the same way across every tool.
Ramp vs SAP Concur side by side
10 of 13 dimensions differ. Rows marked "Differs" are where the two records do not match.
| Dimension | Ramp | SAP Concur |
|---|---|---|
| Entry priceDiffers | Free plan | $7 |
| Pricing modelDiffers | Free | Per transaction |
| Free trialDiffers | Yes | Not listed |
| Free planDiffers | Yes | No |
| Firm size fit | Small, Mid-size | Small, Mid-size |
| Built forDiffers | Firms and their clients | Small businesses |
| Specialisation | Bookkeeping, Advisory | Bookkeeping, Advisory |
| Automation profileDiffers | High volume, routine work | Mixed routine and judgment work |
| Deployment | Cloud, Mobile | Cloud, Mobile |
| Geo availabilityDiffers | US | Global |
| Integrations listedDiffersBoth list: NetSuite, QuickBooks, Xero. | 6 listed | 4 listed |
| CertificationsDiffers | Not published | ISO 27001, ISO 22301, SOC 1 Type 2, SOC 2 Type 2, PCI DSS Level 1, FedRAMP Authorized |
| Support channelsDiffers | Email, Chat, Phone, Knowledge base | Not published |
Which one fits your firm
Choose Ramp if
- US small to mid-sized firms that want free corporate cards with auto-coded receipts on QuickBooks, Xero, NetSuite, or Sage.
- Practices that earn referral income from accounting partnerships. Ramp pays $500 to $750 per referred client.
- Clients ready to put cards, expense management, and bill pay onto one free platform.
Think twice about Ramp if
- Non-US businesses. Ramp issues cards only to companies registered in the United States.
- Firms that want AI-driven expense review without a per-user fee. That sits behind the Plus tier at $15 per user.
- Teams tied to existing bank-card rewards. Ramp's interchange model replaces those rewards entirely.
Choose SAP Concur if
- Firms serving clients with many employees who submit expenses occasionally.
- Clients already running SAP or S/4HANA who want travel, expense, and invoice data in one view.
- Growing businesses that need travel booking plus expense and invoice tools from a single vendor.
Think twice about SAP Concur if
- Practices wanting a free plan for clients; SAP Concur starts with a per-report fee and no stated free tier.
- Very small clients with few expense reports who prefer a flat monthly price over per-report costs.
- Firms needing travel booking on the entry-level plan; travel tools sit in the custom-priced Premium tier.
What each one does
About Ramp
Ramp's base plan is free because the company earns from card interchange rather than subscriptions. Your firm or its clients get corporate cards, automated expense coding, bill pay, and accounting sync with QuickBooks, Xero, NetSuite, and Sage at no monthly cost. Paid tiers add AI-driven expense review and advanced ERP automation.
Best for US firms that want free corporate cards, auto-coded receipts, and bill pay across QuickBooks, Xero, NetSuite, or Sage.
About SAP Concur
SAP Concur is cloud software for travel, expense, and invoice management. Firms with clients who travel or have many expense claimants can benefit from per-report pricing with unlimited users. The product line ranges from basic expense entry to higher tiers with receipt capture and travel booking.
Best for firms whose clients have many occasional expense filers and want per-report pricing with unlimited users.
SAP Concur profileSAP Concur pricing and plansSAP Concur vendor site
Frequently asked questions
- Which is cheaper, Ramp or SAP Concur?
- Ramp has the lower published entry tier, a free plan, against $7 for SAP Concur. That covers the cheapest published plan only, not the plan either vendor would put in front of your firm.
- Do Ramp and SAP Concur both offer a free trial?
- Ramp lists a free trial. SAP Concur does not. Ramp publishes a permanently free plan, and SAP Concur does not.
- Which one integrates with QuickBooks and Xero, Ramp or SAP Concur?
- Ramp lists QuickBooks and Xero. SAP Concur lists QuickBooks and Xero. Across their full published lists the two share 3 integrations: NetSuite, QuickBooks and Xero.
- Which suits a smaller firm, Ramp or SAP Concur?
- Both records list the same firm sizes: small and mid-size. The split comes from the rest of the record, including deployment, specialisation and the integrations each vendor lists.