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Ramp vs Concur

Ramp vs Concur: Which is the Best Business Expense Report Software

Choosing the right accounting and finance software can be a game-changer for your business, and it's crucial to consider the total cost of ownership (TCO) when making your decision. 

It's not just about the subscription fees; it's the training, customisations, and support that can really add up. That's why I'm diving into a comparison of two popular options: Ramp and Concur.

Ramp starts at $12 per user/month and is known for its ease of use and robust support, while Concur, starting at $8 per user/month, is often celebrated for its quick response times. 

But don't let the price tags fool you – there's more to each than meets the eye. Let's explore which might be the best fit for your business needs.

What is Ramp?

When exploring finance and accounting software, Ramp stands out as a robust platform designed to simplify corporate finances. 

I've found that its integrative approach encompasses a suite of features that cater to various business needs. Notably, Ramp dispenses with traditional fees by offering a free corporate card program that integrates with both Apple and Google Pay, streamlining payment processes for users.

Ramp's platform excels in creating an efficient workflow with set expense and multistep approval rules. This ensures that any expenses generated within a business are not only well-managed but also receive the necessary approvals swiftly and correctly. 

As I delve deeper into its capabilities, I'm particularly impressed with its all-in-one solution that includes expense management, invoicing, bill payments, travel, and the advantageous Ramp card.

One feature that truly catches my attention is Ramp’s cashback rewards program. With unlimited 1.5% cashback on all transactions made using the Ramp card, businesses can significantly offset their costs. This reward system can result in substantial savings over time and is a clever way to incentivize consistent use of their card service.

The user feedback on Ramp highlights the software's ease of use, setup, and administration. Small to medium-sized businesses seem to find Ramp's interface and services more intuitive than those of its competitors. 

Moreover, the ongoing product support and future feature updates are frequently noted for their superior quality and user-focused direction. From my research, the general consensus among businesses is that Ramp consistently meets their needs effectively.

In the quest for a fitting expense management platform, understanding what Ramp offers can be pivotal. It strikes a fine balance with its multitude of features and cost-effectiveness, making it a compelling choice for those who seek an encompassing financial management tool for their business.

Ramp's financial management landscape is continuously evolving with a clear focus on providing value to its users. Whether it's through efficient processes or rewarding cashback incentives, it seems to be setting a new paradigm in the realm of business expense management.

Features of Ramp

Expense Management

Managing corporate expenses can often be a time-consuming task, but Ramp provides a user-friendly solution. I've found that Ramp's expense management is geared towards simplifying this exact process. Custom approval workflows and multi-step approval rules are in place to ensure that all expenditures undergo proper scrutiny. These functions allow managers to easily track and approve employee expenses, increasing overall efficiency.

Remarkably, Ramp users have experienced significant ease in following expense tracking and management processes. With the ability to set up custom spend controls, businesses can avoid budget overruns and maintain financial discipline without constant oversight. Additionally, Ramp's expense reporting features offer insightful analytics, helping companies to identify and cut down on unnecessary spending.

Card Management

When it comes to card management, Ramp steps up to offer some compelling features. 

Its free corporate card program includes cards that are compatible with both Apple Pay and Google Pay, which I think is essential in today’s digital ecosystem. 

These cards come with unlimited 1.5% cashback on all purchases, which is an attractive proposition for any business looking to optimize their spending.

The platform provides embedded expense policies, which means that the rules for spending are tightly integrated with the use of the card itself. 

Ramp’s card management tools allow for real-time tracking of each transaction, making it easy to monitor corporate finances and ensure that employees are spending within company guidelines.

Real-time Visibility

Having real-time visibility into your company's financial activities is crucial, and Ramp offers exactly that. The platform's real-time reporting capabilities mean I can see transactions as they happen, providing up-to-the-minute insights into where and how company funds are being used. 

This level of visibility is not only good for managing day-to-day expenses but also invaluable for strategic financial planning.

Ramp’s dashboards are designed to be intuitive, presenting complex financial data in an easy-to-understand format. 

These real-time insights can help businesses to quickly adjust their spending practices to reflect their operational needs and financial goals. Additionally, instant notifications on high spending and other irregular activities are a boon for maintaining financial security and governance.

What is Concur?

When considering finance and accounting software, I've encountered Concur, a platform that focuses on streamlining travel, expense, and invoice management. 

Concur's comprehensive services enable businesses to tackle the multifaceted arena of corporate finances efficiently.

For instance, Concur stands out with its 24/7 phone support, ensuring that help is just a phone call away at any hour. This round-the-clock assistance contrasts sharply with some of its competitors, like Expensify, which limits phone support to standard business hours.

Email support services differ as well. With Concur, I've noticed that if you're expecting an email response, you'll need to keep the business hours in mind. 

However, Concur falls short when compared to Expensify, which promises an email response within 24 hours, irrespective of the time or day you reach out.

When it comes to empowering users, Concur doesn't hold back. 

The platform offers a variety of training options to facilitate user familiarisation. Options include:

  • In-person training sessions
  • Engaging webinars
  • Comprehensive online training courses

These resources are invaluable for me and other users to maximise the software's potential, ensuring we're able to navigate its various facets with relative ease.

Yet, it's not just about support and training. Another aspect where Concur shines is its commitment to improvement and adaptation. 

The software is continuously upgraded, often considering client feedback and requests. This dedication to evolution allows the platform to grow alongside dynamic business environments, making it a steadfast tool in a company's financial management suite. The frequent updates and changes reflect a responsive approach to user needs and evolving market demands.

Although its setup features might seem somewhat complex, and perhaps the platform doesn't offer as in-depth reporting customisation as I would like, Concur's integration into daily business processes is robust. 

Once integrated, it becomes a central component for expense reporting, reflecting adaptability and a client-centric approach to financial software.

Features of Concur

Expense Tracking

When it comes to expense tracking, Concur's approach is extensive yet intuitive. Its robust features enhance the expense management experience for employees and finance teams alike. 

I've found that the strength of Concur lies not just in the breadth of its features, but also in the depth it provides for each category of expense. 

One significant advantage with Concur is its customizable workflows. These allow users to tweak their approval processes, ensuring that it aligns perfectly with the specific requirements of their business. This flexibility can be particularly beneficial for companies that have complex hierarchies or unique expense policies.

Additionally, Concur can integrate with various systems, such as accounting software or HR systems. This capability means that it's not only an expense management tool but a versatile component of a business's overall software ecosystem. By streamlining processes and reducing manual data entry, Concur helps organizations to maintain consistency and accuracy across all financial operations.

Travel Booking

When the dialogue shifts to travel booking, Concur's expansive list of options becomes evident. It doesn't just play the role of managing expenses but also acts as a travel management juggernaut. 

The platform provides users with the ability to book flights, hotels, and rental cars directly within its interface, boasting a considerable inventory of travel choices. Such advanced travel management features are essential for larger organizations that require robust travel policy enforcement and a system to handle approvals effortlessly.

The platform is geared towards organizations that demand a centralized system to handle the complexities of travel policies and approvals. This benefits businesses by ensuring compliance with company policies and potentially yielding cost savings due to better enforced travel spending limits.

Invoice Management

In the realm of invoice management, Concur exhibits its prowess in simplifying what can otherwise be a convoluted process. 

The software facilitates the management of invoices by automating key tasks such as capturing, processing, and paying them. 

The seamless connection with other systems ensures that data flows smoothly from invoices to the accounting ledger, which optimizes the effort needed for reconciliation and financial reporting.

What's more, Concur's platform allows for customization in workflows, enabling businesses to adapt to the peculiar demands associated with handling different vendors and payment terms. 

With invoice management being an integral component of a company's expenditure, the need for effective control and visibility is paramount. 

Concur delivers on this need with features designed to empower users to maintain a firm grip on their payable processes.

In managing invoices, Concur's cloud-based solution seems adept at not only preserving the meticulous detail required in such transactions but also providing a level of oversight that's commendable for businesses aiming for fiscal prudence.

Ramp vs Concur: A Comparison


When it comes to accounting and finance software, the cost is a primary concern for any business. Ramp and Concur offer different pricing models that cater to various needs. 

With Ramp, prices start at $12 per user/month, which is positioned as a more premium option. Concur, on the other hand, offers a more accessible starting point at $8 per user/month

When calculating the total cost of ownership (TCO), it's essential not to overlook additional expenses such as software training, customization, and support. 

Overall, Ramp entails a higher investment, which may suggest more features or a different target audience.

Ease of Use

Users often prefer software that minimizes learning time and maximizes productivity. According to user reviews, 

Ramp takes the lead in ease of use, set up, and administration. 

This implies that businesses can onboard Ramp with less downtime and potentially higher adoption rates among team members. Key points mentioned by users include:

  • QuickBooks sync capabilities.
  • The ability to issue reminders with one click.
  • A more user-friendly experience overall.

Ramp vs Concur Integration with Other Platforms

In the digital age, the ability to integrate with other systems is critical for streamlining operations. Both Ramp and Concur are known for their capacity to connect with a broad range of platforms. 

However, Concur’s array of integrations tailored to larger enterprises seems to extend beyond Ramp's offerings, particularly when it comes to advanced vendor payment options and in-depth integration with accounting software.

Reporting and Analytics

Good decision-making hinges on the quality of reporting and analytics. 

Concur stands out with its advanced reporting capabilities beginning at $9 per user/month, allowing businesses to gain detailed insights into their financials. 

Although detailed comparisons are scarce, the additional cost associated with Concur's reporting suggests a robust setup. 

With user-friendly dashboards and periodic updates, both tools aim to provide valuable financial analytics, but the preference may depend on the size and specific needs of the business.

ExpenseOnDemand vs Ramp vs Concur

Why ExpenseOnDemand is the Best Expense Management Software

When I'm evaluating expense management solutions, it's crucial to look for features that simplify and streamline the process. 

ExpenseOnDemand stands out with its user-friendly interface and powerful functionalities designed to make managing expenses seamless. With ExpenseOnDemand, businesses are introduced to Cutting-Edge Solutions that revolutionise the expense management process. Users get to experience a service tailored to meet the modern needs of businesses of all sizes.

Here's why I believe ExpenseOnDemand may rise above the competition:

  • The platform boasts Quick Response Times, ensuring that expense reporting and reimbursement are not just efficient but also less time-consuming.
  • ExpenseOnDemand provides an Exclusive Discovery Call, which is an excellent opportunity for potential customers to experience the interface firsthand and get a feel for how the software can benefit their company.
  • Innovative Features like automated expense tracking and real-time analytics help users gain better control and visibility over their finances, which are essential for informed decision-making.
  • ExpenseOnDemand offers three flexible pricing segments for value. Implementation is complimentary, ensuring a successful setup. The second segment caters to both casual and power users with cost-efficient options. Competitive prices align with actual usage for cost-effectiveness and scalability.

ExpenseOnDemand has developed a reputation for raising the bar in expense management by offering a service that is both powerful and intuitive. It's designed to elevate the user's experience, making it potentially a better choice over alternatives like Ramp and Concur for certain businesses.

What are some alternatives to Concur and Ramp?

In the competitive landscape of finance and accounting software, Concur and Ramp are certainly well-known players. However, businesses have a diverse range of needs and might find that other solutions align more closely with their specific requirements. I've looked into alternatives that can serve those seeking different options.

QuickBooks: My go-to recommendation is often QuickBooks, a comprehensive accounting solution widely known for its robust feature set. It's suitable for a wide variety of business sizes and offers functionalities that range from basic bookkeeping to complex financial management. The software's ability to integrate with various other tools makes it a versatile choice.

Zoho Expense: Another option I find noteworthy is Zoho Expense. It's an expense reporting software that streamlines the process of expense tracking and approval workflows. Zoho Expense is acclaimed for its user-friendly interface and ease of use. It also boasts a strong mobile presence, allowing users to manage expenses on the go.

Expensify: For those prioritizing simplicity and automation, Expensify might be the right fit. This alternative offers real-time expense reporting and simplifies the receipt tracking process. With one-click receipt scanning and automatic approval workflows, it can cut down on manual tasks and save time.

Xero: Lastly, Xero stands out due to its emphasis on collaboration and accessible design. This software is designed keeping in mind the needs of small to medium-sized businesses, offering features such as invoicing, payroll, and inventory management. It's the simplicity and clarity of its interface that often attracts users looking for straightforward solutions.

While exploring these alternatives, I find it's important to weigh their features, ease of use, and price against the needs of one's business. Each software has unique strengths that might be the deciding factor for a company's specific accounting requirements. It's not just about choosing a reputable brand; it's about finding the perfect fit for your business's financial workflows.

Ramp vs Concur Conclusion

Deciding between Ramp, Concur, and their alternatives boils down to what aligns best with your business's unique needs. 

I've walked you through the key features and considerations to keep in mind, but the final choice hinges on your specific requirements and budget. 

Don't forget to weigh in the user experience and how it will integrate with your current systems. 

With the right tool, you can streamline your accounting processes, saving time and money in the long run. Take the time to assess each option carefully—your financial workflow will thank you for it.

Additional Vs Expense Management Software Comparisons

Expensify vs Concur

FreeAgent vs Xero

Expensify vs Rydoo

Expensify vs Pleo

Ramp vs Expensify

Zoho Expense vs Expensify

Dext vs Expensify

Dext vs Quickbooks

Concur vs Quickbooks

Expensify vs Quickbooks

Zoho Expense vs Quickbooks

Ramp vs Concur Frequently Asked Questions

Which is better for my business, Ramp or Concur?

Ramp is more feature-rich and caters to those looking for comprehensive expense management solutions, while Concur is typically more cost-effective for businesses that need basic functionality.

Who is more expensive to implement, Ramp or Concur?

Ramp tends to be more expensive, with pricing starting at $150 per user/month, compared to Concur's starting rate of $8 per user/month.

What unique features does QuickBooks offer compared to Concur and Ramp?

QuickBooks provides features tailored to small businesses, such as income and expense tracking, invoicing, and cash flow management, making it a popular Concur and Ramp alternative.

How can Zoho Expense be a suitable alternative to Concur and Ramp?

Zoho Expense is suitable for businesses looking for an affordable and user-friendly platform with features like auto-scan receipts, multi-stage approvals, and analytics.

Is Expensify a good option for expense management when choosing between Concur and Ramp?

Expensify is ideal for teams that require seamless credit card integration, real-time expense reporting, and an easy-to-use mobile app for on-the-go expense management.

What makes Xero stand out among Concur and Ramp alternatives?

Xero is known for its strong accounting capabilities, including bank reconciliation, invoicing, and project tracking, appealing to businesses that need robust financial reporting.

What are the key factors to consider when selecting accounting software like Concur or Ramp?

Consider each software's features, usability, price, and how well it aligns with your company's specific accounting and financial management needs.