These three represent three generations of the same product. Expensify started as a receipt scanner. Concur built its business on enterprise travel. Ramp bundled cards, expenses, bill pay and accounting automation into one platform — and made the core of it free.
| Price | Model | |
|---|---|---|
| Ramp | free core (cards + expense mgmt); Plus $15/user/mo + platform fee | card-issuer economics subsidize the software |
| Expensify | Collect $5/user/mo; Control $9–36/user/mo | per-user; lowest Control price needs annual + 50% card spend through Expensify |
| SAP Concur | ~$7 per expense report + custom | usage-based, quote-only, enterprise |
Ramp gives away expense management because it makes money on the corporate card interchange — so for a company willing to use Ramp cards, the expense software, approval workflows and accounting sync cost nothing, with a $15/user Plus tier for advanced controls and travel policies. That economic model is why the incumbents are under pressure.
Expensify is the independent middle option: $5/user on Collect, $9–36 on Control, with the catch that the cheapest Control pricing requires an annual commitment and routing at least half your spend through Expensify Cards. It rates higher than Concur on user reviews for interface and support, and it works without you adopting a card program if you don't want one.
Concur is the enterprise legacy platform — deep travel booking, complex policy engines, SAP ecosystem integration — priced per expense report with no public numbers. It suits large companies already in SAP with intricate global travel needs, and comes with the learning curve to match.
Startup or mid-market willing to use a card program: Ramp, free. Want expense software without committing to a card program, or you value the UX: Expensify. Large enterprise in the SAP ecosystem with heavy travel: Concur.