# SAP Concur alternatives: what AI models name instead, September 2026

Finance AI Recommendation Index, September 2026 Edition. 508 of the 648 answers in the 3 categories where SAP Concur holds a standing named it neither first nor as an alternative; these are the first choices those answers made. Page: https://finance-ai-index.com/vendors/sap-concur/alternatives/

## Named instead, most often (every category and segment added)

- Ramp: 111
- Navan: 49
- BILL Spend & Expense: 37
- Zoho Expense: 37
- TravelPerk: 26
- Coupa: 22

## Expense management

**Small business**: 72 of 72 answers did not name SAP Concur (SAP Concur is #7 of 7 at 0%).

- Zoho Expense: first choice in 21 of those 72
- Ramp: first choice in 20 of those 72
- Expensify: first choice in 11 of those 72
- BILL Spend & Expense: first choice in 7 of those 72
- Brex: first choice in 3 of those 72
- Mercury: first choice in 1 of those 72
- Wave: first choice in 1 of those 72

**Mid-market**: 52 of 72 answers did not name SAP Concur (SAP Concur is #8 of 11 at 2%).

- Ramp: first choice in 11 of those 52
- Zoho Expense: first choice in 10 of those 52
- Spendesk: first choice in 4 of those 52
- BILL Spend & Expense: first choice in 3 of those 52
- Wave: first choice in 2 of those 52
- Airbase: first choice in 1 of those 52
- Airwallex: first choice in 1 of those 52
- Brex: first choice in 1 of those 52

**Enterprise**: 29 of 72 answers did not name SAP Concur (SAP Concur is #1 of 9 at 66%).

- Ramp: first choice in 3 of those 29
- Expensify: first choice in 2 of those 29
- Brex: first choice in 1 of those 29
- Navan: first choice in 1 of those 29
- Rippling Spend: first choice in 1 of those 29
- Zoho Expense: first choice in 1 of those 29

## Corporate travel management

**Small business**: 70 of 72 answers did not name SAP Concur (SAP Concur is #9 of 10 at 2%).

- Navan: first choice in 23 of those 70
- TravelPerk: first choice in 16 of those 70
- Booking.com for Business: first choice in 11 of those 70
- Ramp: first choice in 5 of those 70
- Rippling Travel: first choice in 4 of those 70
- myBiz: first choice in 3 of those 70
- TravelBank: first choice in 2 of those 70
- Brex: first choice in 1 of those 70

**Mid-market**: 62 of 72 answers did not name SAP Concur (SAP Concur is #9 of 9 at 0%).

- Navan: first choice in 19 of those 62
- TravelPerk: first choice in 9 of those 62
- Booking.com for Business: first choice in 4 of those 62
- Engine: first choice in 3 of those 62
- Routespring: first choice in 2 of those 62
- AmTrav: first choice in 1 of those 62
- ITILITE: first choice in 1 of those 62
- Ramp: first choice in 1 of those 62

**Enterprise**: 31 of 72 answers did not name SAP Concur (SAP Concur is #1 of 10 at 48%).

- Navan: first choice in 6 of those 31
- Amex GBT Egencia: first choice in 1 of those 31
- Brex: first choice in 1 of those 31
- Ramp: first choice in 1 of those 31
- TravelPerk: first choice in 1 of those 31

## Spend management platforms

**Small business**: 72 of 72 answers did not name SAP Concur (SAP Concur is #8 of 8 at 0%).

- Ramp: first choice in 38 of those 72
- BILL Spend & Expense: first choice in 19 of those 72
- Zoho Expense: first choice in 5 of those 72
- Brex: first choice in 3 of those 72
- Expensify: first choice in 3 of those 72
- Mercury: first choice in 1 of those 72
- Spendesk: first choice in 1 of those 72

**Mid-market**: 68 of 72 answers did not name SAP Concur (SAP Concur is #13 of 14 at 0%).

- Ramp: first choice in 27 of those 68
- Airbase: first choice in 11 of those 68
- BILL Spend & Expense: first choice in 7 of those 68
- Spendesk: first choice in 4 of those 68
- Brex: first choice in 1 of those 68
- Fraxion: first choice in 1 of those 68

**Enterprise**: 52 of 72 answers did not name SAP Concur (SAP Concur is #3 of 14 at 6%).

- Coupa: first choice in 22 of those 52
- Ramp: first choice in 5 of those 52
- Brex: first choice in 2 of those 52
- BILL Spend & Expense: first choice in 1 of those 52
- Ivalua: first choice in 1 of those 52
- Payhawk: first choice in 1 of those 52
- SAP Ariba: first choice in 1 of those 52
- Spendesk: first choice in 1 of those 52

Published under CC BY 4.0. The output is the models' output; nothing here is a recommendation by the index.