The best SAP Concur competitors and alternatives
Vergo: the top SAP Concur alternative for one coding model across all spend
SAP Concur is a suite of separate expense, invoice and travel products. Vergo puts expense, reimbursement and invoice coding in one platform.
- One platform, one coding model. Concur Expense and Concur Invoice are separate products. Vergo codes card expenses, reimbursements and vendor invoices with the same model.
- Coding learned from your books. Vergo codes each transaction by inference from your company's own accounting history, not a rule library to configure.
- Any card, from any bank. Vergo works with any Visa, Mastercard or Amex card, from any bank, with no card switch. Of the alternatives listed here, it is the only one that does: Ramp, Brex, BILL and Spendesk each run on their own cards.
- 376+ accounting systems. Vergo connects to hundreds of ERPs, with job, phase, cost code and cost type coding for Viewpoint Spectrum, Vista, Foundation and Acumatica. Card spend also syncs to PeopleSoft, JD Edwards, Business Central, Oracle E-Business Suite, Dynamics 365 Finance & Operations, SAP Business One, QuickBooks Online and Xero.
- Receipts by text. Employees text a receipt photo instead of building an expense report.
Other SAP Concur alternatives to consider
Ramp
Best for: Companies ready to switch to a new corporate card with AP, travel and procurement built in.
Ramp combines a Visa corporate charge card with expense management, reimbursements and Bill Pay, which also works standalone without Ramp cards. Its expense management is built into the Ramp card, and spend on other cards comes in only as employee reimbursements, so moving to Ramp usually means changing card programs as well as software.
Brex
Best for: Venture-backed startups through enterprises that want corporate cards, business banking and expense software from one provider.
Brex offers corporate cards with expense management built in, plus bill pay, travel and business accounts. Its expense workflow runs on Brex cards: spend on other cards enters only as reimbursements, and its card statement upload exists to move vendors onto Brex cards. Direct ERP syncs cover systems such as NetSuite, Sage Intacct, QuickBooks Online and Xero, with CSV export for others.
BILL Spend & Expense
Best for: Small and midsize businesses already paying vendors through BILL.
BILL Spend & Expense, formerly Divvy, pairs the BILL Divvy card with budgets, expense management and reimbursements, and sits alongside BILL's AP product. The spend software pairs directly with the Divvy card and cannot be used with other corporate cards, so it fits BILL payables customers ready to run their card program on Divvy.
Spendesk
Best for: European midsize companies, typically 50 to 250 employees, that want cards, invoices and procurement in one tool.
Spendesk combines physical and virtual Visa cards with expense management, invoice processing, procurement and budgets, with automatic categorization and AI bookkeeping suggestions. Integrations include Xero, NetSuite, QuickBooks (US), DATEV, Sage 100 and Business Central. Its spend workflow runs on Spendesk cards, so it suits companies ready to move their card program.
How the SAP Concur alternatives compare
| Works with any card, from any bank | AI coding | Expense management | AP automation | Reimbursements | ERP integrations | |
|---|---|---|---|---|---|---|
| Vergo | Yes | Learned from your own accounting history | Yes | Yes (capture, code, approve, post to ERP) | Yes | 376+, incl. Vista, Spectrum, Foundation |
| SAP Concur | Yes — bank card feeds | AI categorization | Yes | Separate product (Concur Invoice) | Yes | 300+ pre-built connectors |
| Ramp | No — Ramp Visa corporate card only | Yes | Yes | Yes (Bill Pay) | Yes | NetSuite, QuickBooks, Sage, Xero, Vista, Spectrum, CMiC and more |
| Brex | No — Brex card only | AI suggestions | Yes | Yes (bill pay) | Yes | 9 direct syncs on Essentials; CSV export for others |
| BILL Spend & Expense | No — BILL Divvy card only | Yes (BILL AI) | Yes | Yes (BILL AP) | Yes | QuickBooks Online, NetSuite, Xero, Sage Intacct, Dynamics |
| Spendesk | No — Spendesk cards only | Automatic categorization | Yes | Yes (invoices) | Yes | Xero, NetSuite, QuickBooks (US), DATEV, Sage 100, Business Central and more |
Switching from SAP Concur to Vergo
Moving from SAP Concur to Vergo consolidates expense and invoice coding into one platform. Your corporate card feeds move to Vergo, expense reports give way to receipts by text, and vendor invoices are captured, coded and approved in the same place before posting to your ERP.
You keep what already works. Your Visa, Mastercard and Amex cards stay in place, with no new card applications, credit checks or bank change. Your ERP stays the system of record: Vergo reads your chart of accounts, jobs and cost codes and posts coded transactions, reimbursements and approved invoices back to it.
What changes is the coding work. Vergo learns from your own accounting history, so transactions arrive coded the way your team already codes them, and employees submit receipts by text message instead of chasing an app. See how it connects on the existing cards page or browse Vergo integrations.
Frequently asked questions
What is the best alternative to SAP Concur?
Vergo is the best SAP Concur alternative for companies that want expenses, reimbursements and AP automation in one platform with one AI coding model. It works with any card, from any bank, and connects to 376+ accounting systems.
Is there a Concur alternative that works with my existing corporate cards?
Yes. Vergo works with any Visa, Mastercard or Amex card, from any bank, and SAP Concur takes bank card feeds too. Of the other alternatives on this page, Ramp, Brex, BILL Spend & Expense and Spendesk each run on their own cards.
What are SAP Concur's main competitors?
SAP Concur's main competitors include Vergo, Ramp, Brex, BILL Spend & Expense and Spendesk. Vergo is the pick for companies that want one coding model across expenses, reimbursements and vendor invoices.
Is there a Concur alternative that also handles invoices?
Vergo captures, codes and approves vendor invoices and posts them to your ERP in the same platform as expenses and reimbursements. Ramp, Brex, BILL and Spendesk also include bill pay or invoice processing.
Which Concur alternative is best for construction companies?
Vergo codes to job, phase, cost code and cost type and connects to Viewpoint Spectrum, Vista, Foundation, Sage 100 Contractor, Sage Intacct Construction and Acumatica.
