Comparison
SAP Concur vs Ramp
A side-by-side look at SAP Concur and Ramp — pricing, regions, integrations, pros and cons. Use The AI Recommends if you'd rather have an AI pick for you.
SAP Concur
Enterprise travel, expense and invoice management.
SAP Concur is the most widely deployed enterprise travel & expense platform, with deep ERP and HR integrations.
Ramp
Corporate cards + spend management that saves you money.
Ramp is a finance automation platform that combines corporate cards, bill pay, expense management, accounting automation and procurement — with AI that actively surfaces savings.
Side-by-side
| Spec | SAP Concur | Ramp |
|---|---|---|
| Tagline | Enterprise travel, expense and invoice management. | Corporate cards + spend management that saves you money. |
| Headquarters | Bellevue, USA | New York, USA |
| Founded | 1993 | 2019 |
| Regions | Global | US |
| Card type | Via SAP Concur Pay / partners | Charge card |
| Pricing | Enterprise pricing. | Free core platform; Ramp Plus $15/user/mo; Enterprise custom. |
| Rewards | — | 1.5% cashback on all purchases. |
| Best for | Enterprise, Global multinationals | SMBs, Mid-market, Finance teams obsessed with control |
| Integrations | SAP, Oracle, Workday, NetSuite | NetSuite, QuickBooks, Xero, Sage Intacct, Microsoft Dynamics |
SAP Concur: pros & cons
- Most enterprise-ready
- Legacy UX
- Heavy implementation
Ramp: pros & cons
- Fastest-growing fintech in the US
- Generous free tier
- Aggressive product velocity
- US-only issuance
- Limited international rails