5 SAP Concur Alternatives For Startups in 2025

SAP Concur specializes in automating and integrating expense management, travel booking, and invoice processing to help businesses run efficiently. Their solutions aim to connect financial data and streamline spending processes.

However, SAP Concur doesn’t fit all companies’ needs, and some businesses find it lacking in essential features or flexibility. If you’re looking for a better fit, we’ve rounded up five top alternatives—Rho, BILL Spend & Expense, Navan, Expensify, Fyle—each offering unique advantages to meet different business requirements.

5 Alternatives to SAP Concur

1) Overall Pick: Rho

At Rho, we offer a comprehensive business banking and spend management platform designed to support founders and finance teams. Our goal is to streamline financial operations, making it easier for businesses to manage cash, control spending, and automate tasks from the startup phase to IPO and beyond.

Rho Key Features

• Business Checking Accounts: Manage operating cash without ACH fees and 24/7 customer support.
• Corporate Credit Cards: Monitor corporate spend in real-time with custom card controls and automate expense accounting.
• Rho Treasury: Safeguard idle cash and earn a dynamic yield on cash investments.
• Expense Management: Eliminate expense reports and capture every receipt.
• Rho Bill Pay: Pay hundreds of vendors in minutes with zero platform fees.
• Rho Integrations: Directly integrate with accounting, HR, and T&E software.
• Private Banking Support: Available 24/7 for personalized assistance.

Unlike SAP Concur, which primarily focuses on expense management and travel booking, Rho offers a more comprehensive financial platform that includes business banking and treasury management, providing a one-stop solution for all your financial needs.

Rho Pricing

We offer a straightforward and transparent pricing structure designed to help businesses save money. Many of our essential services are free to use, making it simple to understand and manage your financial operations.

• $0 Same-Day ACH fees: No fees for same-day ACH transactions.
• $0 Wire fees: No fees for wire transfers, except for international wires which may incur additional fees.
• $0 Monthly plans: No monthly subscription fees for accessing Rho's services.
• $0 Support fees: Free live support from day one without any additional charges.
• $0 Subscription fees: No subscription fees for using Rho's platform.
• $0 Checking account minimum fees: No minimum balance fees for checking accounts.
• $0 Connected, in-platform capabilities: Free access to AP, Expense, and Accounting Automation features.
• $0 Per-user fees: No fees per user for accessing the platform.
• 1% Foreign currency transfer: A 1% fee on foreign currency transfers.

You can find all the details about our pricing here.

Why Users Prefer Rho

Don’t just take our word for it—hear directly from Rho’s customers. Here’s what real users have to say about why they prefer Rho over other solutions:

• "Rho offers our users a one-touch experience for reporting company expenses on a corporate card."
• "We sync with Quickbooks Online seamlessly, which has saved the finance department 60 hours per month."
• "From day one, using Rho has been simple and straightforward."

Want a firsthand look at Rho? You can request a free demo here.

For more user reviews, visit Rho Reviews & Product Details.

2) BILL Spend & Expense

BILL Spend & Expense, formerly known as Divvy, combines a company card with expense management software to streamline financial operations. It offers features such as business credit, budget management, a mobile app, virtual cards, and reimbursements, providing real-time visibility and control over business spending.

BILL Spend & Expense Key Features

BILL Spend & Expense offers a range of features designed to streamline financial operations and provide real-time control over business spending.

• Business Credit: Provides easy access to funding, applicable to businesses of all sizes.
• Expense Management: Software that streamlines expense reporting, saving time and reducing the need for traditional expense reports.
• Budget Management: Offers tools to control budgets with customizable spend controls and policies.
• Mobile App: Allows team members to manage expenses and complete transactions in real-time from anywhere.
• Virtual Cards: Issues virtual cards to protect against fraud and control spending.

BILL Spend & Expense Pricing

BILL Spend & Expense offers a free-to-use model for both businesses and their clients.

• Essentials: $45/user/month for basic spend and expense management.
• Team: $55/user/month for enhanced team collaboration features.
• Corporate: $79/user/month for advanced corporate spend controls.
• Enterprise: Custom pricing for large-scale, tailored solutions.
• Spend & Expense: Free-to-use for access to credit lines and expense management.

Drawbacks To BILL Spend & Expense

General user reviews of BILL Spend & Expense highlight its ease of use and real-time financial control, but some users have noted issues with customer support and integration problems.

• "The software is user-friendly and integrates well with our accounting system, but customer support can be slow to respond." - Edwin M.
• "While the platform is great for tracking expenses, we've faced frequent issues with syncing data." - Nick S.

For more detailed reviews, visit BILL Spend & Expense Reviews 2025.

3) Navan

Navan is a corporate travel and expense management platform designed to simplify and streamline business travel and expense processes. It offers an intuitive interface for booking travel, managing expenses, and linking existing credit cards for automatic reconciliation.

Navan Key Features

• Navan Travel: A feature that facilitates corporate travel management by providing an intuitive platform for employees to book travel from a wide range of options while staying within company policies.
• Navan Expense: This feature automates the expense management process, from categorization to reimbursement, using AI to enhance productivity and optimize savings.
• Navan Connect: Allows integration of existing credit cards (Visa, Mastercard, Amex) with the platform, ensuring seamless approval and reconciliation of transactions.
• Navan Rewards: A program that rewards employees for booking travel under budget, promoting cost-effective travel decisions.
• 24/7 Expert Support: Provides continuous support for travelers, ensuring assistance is available at any time, with additional premium services for high-profile users.

Navan Pricing

Navan offers a free plan for small companies and a customizable plan for large organizations.

• Navan Business: Free for companies up to 200 employees, includes travel and expense management features.
• Navan Enterprise: Custom pricing for large organizations, includes advanced travel and expense features and support.

Drawbacks To Navan

General user reviews of Navan highlight its user-friendly interface and efficient expense management, but some users have noted issues with booking and the rewards system.

• "The platform is intuitive and easy to use, but we've faced occasional booking issues that can be frustrating." - Sarah O.
• "Navan's rewards system is a nice touch, but it can be confusing and sometimes doesn't work as expected." - Alex L.

For more detailed reviews, visit Navan (Formerly TripActions) Reviews 2025.

4) Expensify

Expensify is a comprehensive platform designed to manage company expenses, offering services such as expense management, travel booking, corporate cards, bill pay, and receipt scanning. It integrates seamlessly with accounting, HR, payroll, and travel software, providing businesses with real-time visibility and control over their spending.

Expensify Key Features

Expensify offers a range of features designed to streamline financial operations and manage company expenses efficiently. Here are some of the most notable features:

• All-inclusive Management: Expensify provides tools to manage expenses, book travel, reimburse employees, and create expense reports all in one platform.
• Corporate Cards with Cash Back: Expensify offers corporate cards that provide 1% cash back on every US purchase and 2% back if spending exceeds $250k per month.
• 40+ Integrations: The platform integrates with over 40 different software systems, including ADP, Quickbooks, Gusto, Sage, Workday, and Oracle.
• Global Reimbursements: Expensify allows for easy reimbursement of employees regardless of their location or currency.
• Virtual Cards: Users can make purchases without a physical card by using virtual Expensify Cards.

Expensify Pricing

Expensify offers tiered pricing based on the level of service and features required.

• Individual: Basic expense tracking and reporting for personal use.
• Group: Advanced features for small teams, including approval workflows and integrations.
• Corporate: Comprehensive financial management for large organizations with custom policies and controls.

Drawbacks To Expensify

General user reviews of Expensify highlight its ease of use and convenience, but some users have noted issues with pricing and customer support.

• "Expensify is super easy to use, very intuitive and extremely convenient for uploading travel expenses on the go." - Jenny R.
• "It did eventually get the job done for us for a period of time, although it was expensive and the support was absolutely terrible." - Jimmy M.

For more detailed reviews, visit Expensify Reviews 2025.

5) Fyle

Fyle is an AI-powered expense management software designed to streamline and automate expense tracking for businesses. It offers features such as real-time spend tracking, automated credit card reconciliation, and hassle-free receipt capture via text messages, all while integrating seamlessly with various accounting software.

Fyle Key Features

• Text Messages for Receipt Tracking: Users can text a picture of their receipt, and Fyle’s OCR automatically extracts data like Merchant, Date, Amount, and Category, eliminating manual effort.
• Real-Time Spend Visibility: Fyle integrates with existing business cards to provide real-time visibility into employee expenses as soon as they swipe their credit cards.
• Automated Credit Card Reconciliation: Fyle collects receipts via text and automatically matches them to the right transactions, saving hours of manual reconciliation.
• AI-Powered Expense Coding: Fyle’s AI prompts users for additional expense data like Projects, Cost Codes, and Memos via text, coding expenses according to the General Ledger (GL).
• Two-Way Accounting Integrations: Fyle offers powerful integrations with accounting platforms like QuickBooks, NetSuite, Sage Intacct, and Xero, allowing automatic syncing of expense data in real-time.

Fyle Pricing

Fyle bills based on active users who create at least one expense or have a corporate card with transactions.

• Growth: Unlimited expense tracking, real-time card feeds, receipt scanning, and basic support.
• Business: All Growth features plus multi-stage approvals, ACH reimbursements, advanced analytics, and premium support.
• Enterprise: All Business features plus IP whitelisting, SSO, branded accounts, and dedicated account manager.

Drawbacks To Fyle

General user reviews of Fyle highlight its user-friendly interface and efficient expense management, but some users have noted issues with glitches and delays.

• "Fyle is very user-friendly and easy to navigate, but we have faced occasional glitches that can be frustrating." - Allison N.
• "The integration with credit cards is great, but there are delays in syncing data, which can be problematic." - Bruce N.

For more detailed reviews, visit Fyle Reviews 2025.

How to select the right SAP Concur alternative?

Tips for Selecting the Right SAP Concur Alternative:

• Identify Your Needs: Assess your business requirements, such as expense management, travel booking, or comprehensive financial operations, to find a solution that fits.
• Evaluate Key Features: Compare the features offered by each platform, ensuring they align with your business goals and provide the necessary tools for efficiency.
• Consider Pricing: Look at the pricing structures and ensure they fit within your budget while offering the best value for the services provided.
• Integration Capabilities: Ensure the platform integrates seamlessly with your existing accounting, HR, and other software systems for smooth operations.
• User Reviews: Read user reviews to understand the real-world experiences of other businesses and identify any potential drawbacks.
• Customer Support: Check the availability and quality of customer support to ensure you have assistance when needed.
• Comprehensive Solutions: Platforms like Rho offer a one-stop solution for all financial needs, making them a strong contender for businesses seeking an all-in-one platform.

Getting started with the best SAP Concur alternative

Choosing the right SAP Concur alternative depends on your specific business needs and goals. Each of the options we've discussed—BILL Spend & Expense, Navan, Expensify, and Fyle—offers unique features and benefits that can help streamline your financial operations.

If you're looking for a comprehensive solution that integrates business banking with spend management, we recommend Rho. Rho's platform is designed to support businesses from startup to IPO, offering a seamless experience for managing cash, controlling spending, and automating financial tasks. Ready to see how Rho can transform your financial operations? Request a demo today.