Yes, for the right team. Concur exists because large organizations need multi-entity consolidation, audit and procurement compliance, and it is very hard to replace where those are the requirement. ExpenseOS™ is a lighter model: no card program, no seats, employees keep their own points, and reimbursement lands about a minute after an expense clears policy. SAP's own page lists Concur Expense from $7 per report, so compare the quote you are given with a bill on money moved.
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If your company runs Concur because audit and procurement require it, that is usually not a decision about the expense experience, and a smaller product will not change it. We would rather say that plainly than pretend otherwise.
The teams ExpenseOS suits are the ones carrying enterprise process without the enterprise requirement: people waiting weeks to be paid back, filing forms nobody reads, and quietly losing the rewards on trips they took themselves.
For them the swap is straightforward. No card program to run, no charge per report or per seat, a bill that tracks money actually moved, half a point on payments made without a card, with up to 1% cashback on card payments against the same weekly statement, and people paid back in about a minute. Rates on very large single payments are confirmed at onboarding.
Every SAP Concur cell comes from SAP Concur's own public pages, checked on 1 November 2026. Where SAP Concur does not publish something, the cell says so. Prices change, so check the source before relying on a figure.
| ExpenseOS | SAP Concur | |
|---|---|---|
| What the product is built around | Paying people back | The expense report |
| Published entry price | 0.5% on non-card payments; card payments earn 1% cashback for founding customers, 0.75% for later signups; weekly settlement; no software fee | Base from $7 per report, Plus from $11 per report; Premium on request |
| Charges per seat | No, and no setup fee or contract | No, unlimited users on every plan; priced per report |
| Requires issuing a company card | No | No |
| Works alongside an existing corporate card program | Yes. Upload the program's statement and ExpenseOS matches and codes every line, at no charge; you pay only when ExpenseOS moves money. | Yes. Its corporate card integration brings card transactions in automatically |
| Published reimbursement timing | About a minute after an expense clears policy | Not published |
| Who earns the card rewards on work spend | The employee, because they pay on their own card | Depends on the card used |
| Free for an individual employee to use alone | Yes, the expense agent in ChatGPT and Claude | No, it is bought by the company |
One cost no pricing page shows: what non-compliance itself costs. Travelers who book out of policy cost $2,881 more per year each, and one in five expense reports comes back with errors (GBTA Foundation). ExpenseOS is built so those leaks cannot open: every purchase is approved against live budgets and live market prices before the money moves.
The enterprise standard, and the one most likely to already be installed where you work. It handles scale, multi-entity structures, audit and compliance requirements that a younger product simply does not cover. SAP's Concur Expense page lists Base from $7 per report and Plus from $11 per report, in US dollars and varying with monthly commitment, with unlimited users and Premium priced on request. If your company runs Concur because procurement and audit require it, that decision is rarely about the expense experience and ExpenseOS is not going to displace it.
This page compares ExpenseOS with one platform. The full comparison, with Ramp, Brex, Navan, Expensify and SAP Concur in one table, is on the compare page.
For most enterprises, no, and we would rather say so. Concur exists because procurement, audit and multi-entity consolidation demand it. ExpenseOS suits teams who want people paid quickly and rewards left with the person who traveled, without a heavy implementation.
SAP's own Concur Expense page lists a Base plan from $7 per report and a Plus plan from $11 per report, in US dollars and varying with monthly commitment, both with unlimited users, and a Premium plan priced on request. Compare the quote you are actually given with a bill on money moved: ExpenseOS charges 0.5% on payments made without a card, and card payments earn up to 1% cashback. Rates on very large single payments are confirmed at onboarding.
Individuals can use the free ExpenseOS Agent to build a clean report and email the files to themselves, then file in Concur as required. Replacing Concur company-wide is a different decision.
Yes. ExpenseOS works alongside the card and payment programs you already have. Upload the program's statement and ExpenseOS reads every line, checks it against the statement's own totals, matches it to the expenses and receipts it already holds and asks cardholders only about what's left. There are no seats and no software fee, and a card program's statement carries no fee, so running ExpenseOS next to an existing program costs nothing; you pay only when ExpenseOS moves money for you. SAP Concur works with an existing program too: SAP's Concur Expense page lists a corporate card integration that brings card transactions into Concur automatically. ExpenseOS leaves the program where it is and works from its statement instead.
Only if they pay on their own card, which is what ExpenseOS is built around. A corporate card account belongs to the company that opened it, so rewards earned on it accrue to the company's program no matter which platform manages the card. With ExpenseOS the employee pays on their personal card and keeps every point, mile and cashback, and is reimbursed once the expense clears policy.
About a minute after an expense clears policy, into the employee's ExpenseOS wallet, from where they can move it to their bank whenever they like. For comparison, the timings competitors publish are measured in days: Ramp says two days or less, and Expensify typically one business day for eligible US payments under $100 and four to five business days by standard ACH.
The savings calculator uses your headcount and spend. A demo takes twenty minutes and we will tell you if you are better off with something else.
About this comparison. ExpenseOS is an independent product and is not affiliated with, endorsed by, or sponsored by any company named on this page. All trademarks belong to their owners and are used here only to identify those products. Every comparative statement is drawn from that company's own public pages on the date shown, and pricing and features change: check the source before relying on it. If something here is out of date or wrong, tell us and we will correct it. Cashback rates on very large single payments are confirmed at onboarding.