Is SAP Concur Worth It? An Honest Review for Travel and Expense Teams

SAP Concur is one of the longest‑standing names in corporate travel and expense management, and it’s often the default choice for large organizations standardizing globally.

Many enterprises end up with Concur by default through broader SAP rollouts. But with the proliferation of modern, unified travel and expense platforms, including Navan, finance and travel leaders are re-evaluating that status quo.

To offer the most comprehensive overview and insight, this review draws on verifiable external sources: official SAP and SAP Concur materials; third‑party review sites such as G2, Capterra, TrustRadius, and Gartner Peer Insights; analyst and comparison resources; and public forum threads.

SAP Concur Review: Capabilities, Costs, Strengths, and Customer Feedback

What Is SAP Concur?

SAP Concur is SAP’s cloud-based suite for employee-initiated spend, managing travel bookings, expense reports, and vendor invoices, with built-in auditing and analytics. SAP positions it as a unified system to track and manage all travel and expense costs in one place, with native SAP Cloud ERP integration and support for other ERPs like NetSuite and Microsoft Dynamics. Targeting enterprises, it serves 85M+ users in 170+ countries/territories and supports 30+ languages and 142 currencies.

Key modules include:

• Concur Expense automates expense reporting, receipt capture, policy enforcement, and reimbursements.
• Concur Travel is SAP’s online booking tool for flights, hotels, rail, and rental cars, integrated with corporate policy and preferred suppliers.
• Concur Invoice automates accounts payable workflows for invoice capture, approvals, and payments.
• Concur Detect & Audit uses AI and rules-based checks to enforce compliance and audit expense reports.

What Are SAP Concur’s Features and Modules?

What It Does

The Concur Travel module is a centralized platform designed to manage corporate travel. Key features allow employees to:

• Book policy-compliant flights, hotels, rail, and rental cars with built-in approval flows.
• Centralize travel itineraries and spending from initial request through final approval.
• Access travel inventory from partners within the SAP Concur ecosystem.
• Book and manage air, hotel, rail, and car reservations on a mobile device.

What Users Say

Many enterprise customers appreciate the platform’s consolidation of bookings and compliance features:

• “Ease of use and simple navigation.”
• “It allows travelers to make travel arrangements, and enter their expenses all in a single location.”
• “Great and easy tool."

Where It Can Improve

Some users have noted challenges with inventory and the user interface:

• “Employees rather book accomodations and flights using other platforms.”
• “Needs UI improvement.”
• “Convenient booking, but support needs improvement.”

The Concur Expense module is designed to manage the entire expense reporting process, from receipt capture to reimbursement. According to SAP, it helps organizations “increase policy compliance and maintain financial integrity.”

Key features allow employees to:

• Capture receipts, build reports, enforce policy, and reimburse employees.
• Auto-generate reports from corporate card feeds, e-receipts, and manual entries.
• Extract data automatically from receipt images and mobile uploads.
• Enforce spending rules during report creation.
• Support multi-currency expenses and mileage tracking.
• Submit reports on the go via a mobile app.

What Customers Say

Customers who like the product appreciate its time-saving automations and the move away from manual processes:

• “Easy, straightforward reimbursements with clear, detailed interface”
• “The choices are well curated and organised, which makes it much easier to pick the right options.”
• “It's really simple to send invoices and get reimbursed.”

Where It Can Improve

Users frequently report issues with the platform’s reliability and user experience:

• “SAP Concur can feel complex for staff who are not used to digital systems.”
• “The process of adding and itemizing expenses is quite confusing.”
• “The system's performance can be sluggish, especially during times of heavy usage.”

What It Does

Concur Invoice is the accounts payable (AP) automation component of the SAP Concur platform. It is often deployed alongside the travel and expense modules as part of an integrated spend management stack.

Key features allow AP teams to:

• Automate invoice capture and routing using templates and predefined reports.
• Configure workflows and approval chains.
• Integrate with enterprise resource planning (ERP) systems for general ledger (GL) coding and payment status updates.

What Customers Say

Users note the module’s straightforward processing and payment capabilities, but point out issues with inflexibility and complexity.

Positive feedback highlights ease of use for core functions:

• “Effortless invoice automation and simple to use.”
• “It provides a streamlined workflow that simplifies the entire cost reporting process.”

Where It Can Improve

Areas for improvement often relate to system rigidity and user experience:

• “It has complexity, slow performance, and non-intuitive interface.”
• “The SAP software is old and difficult to navigate.”
• It’s not always clear where to attach receipts or how to categorize certain transactions."

What It Does

The SAP Concur platform includes built-in policy and approval workflow capabilities for its travel, expense, and invoice modules.

Key features allow administrators to:

• Encode complex policies across global entities.
• Use built-in controls to mitigate risk and enforce spending guidelines.
• Customize rules for allowable expenses, spending limits, and required fields.
• Configure approval workflows for travel, expenses, and invoices.

What Customers Say

While some users find the system comprehensive, others report that its policy and approval features can be overwhelming and inflexible.

• “Clear approval workflows and real-time status updates, mean there is no need to follow up manually.”

Where It Can Improve

• “It also relies on a good internet connection. This sometimes delays approvals and processing.”
• “Takes ages to do anything on it, and takes them ages to approve.”

The SAP Concur platform provides reporting and analytics capabilities that offer near-real-time visibility into spending.

Key features include:

• A comprehensive set of standard reports for travel, expense, and invoice spend.
• Dashboards that visualize spend by category, policy violations, and reimbursement times.
• An advanced tool, Concur Intelligence (based on IBM Cognos), for custom reporting.
• Customized dashboards and automated alerts for finance teams.

What Customers Say

Users find the reporting tools useful for basic tracking, but many report that advanced customization requires specialized expertise and can be overly complex.

Positive feedback focuses on visibility and automation:

• “Easy claim submission with clear tracking and proactive warnings.”
• “The amplified information, quick support, and alerts are also helpful.”

Where It Can Improve

Criticism centers on the system’s limitations and complexity:

• “I think some of the reporting could be made easier.”
• “The way reports are put together could be improved.”
• “It can be complex with certain information needing to be submitted in a certain order to be tied together.”

SAP Concur offers a broad ecosystem of integrations and sits within the larger SAP portfolio of business management tools.

Key features of its ecosystem include:

• More than 300 integrations for travel and expense (T&E) and 900-plus partners across ERP, HRIS, card, and third-party app categories.
• Native integration with SAP Cloud ERP.
• Pre-built connectors for NetSuite, Microsoft Dynamics, Sage Intacct, and others.
• Deep corporate card connectivity, with strong ties to American Express and the virtual card provider Conferma Pay.

What Customers Say

While users recognize the value of the extensive ecosystem, particularly for complex enterprises with a native SAP environment, they consistently report that integrations are slow, expensive, and require significant technical resources.

Positive feedback includes the breadth of the ecosystem and native SAP fit for complex, multi‑system environments:

• “Its ability to integrate with other systems, such as ERPs, leads to significant time savings.”
• “The integration of Joule, SAP's AI agent, has truly enhanced the booking experience.“

Where It Can Improve

• “Sometimes the integration between SAP Concur and our ERP system is not perfect.”

What It Does

The SAP Concur mobile app allows users to manage travel and expense tasks remotely.

Key features allow users to:

• Create and submit expense reports.
• Manage travel itineraries on iOS and Android devices.
• Capture receipts using AI-driven data extraction.
• Approve requests and reports.

What Customers Say

While users find the mobile app convenient for basic tasks like submitting receipts on the go, many report that the experience is hindered by performance issues and a lack of features.

Positive feedback centers on convenience:

• “What I appreciate most is the mobile app, as it lets me submit expenses easily.”
• “It allows me to upload pictures of bills directly into the tool, which is really convenient.”

Where It Can Improve:

Common criticisms point to technical flaws and limitations:

• “I have encountered frequent bugs, and the mobile app is not user-friendly.”
• “The mobile app sometimes lags when uploading large receipts.”

Overall Ratings: The Social Proof

SAP Concur maintains a strong overall rating across the major software review platforms, reflecting its enterprise adoption and maturity:

Ease of Use: Power vs. Practicality

A frequent theme in user feedback is that the SAP Concur platform is powerful but not always intuitive. While some users praise its core functions, many describe the interface as complex, slow, and difficult to navigate, highlighting a significant learning curve.

Common points of friction include:

• The complex user interface
• Clunky features and slow response times
• User-difficulties for non-tech-savvy employees

In contrast, positive feedback often focuses on the platform’s core capabilities once mastered:

• Intuitive platform functionality
• An easy interface that allows teams to keep ahead of their expense reports

Functionality and Feature Depth

Enterprise users consistently praise SAP Concur for its breadth and configurability, but this strength often becomes a weakness. The platform’s extensive feature set frequently creates  a complex and overwhelming user experience, particularly for smaller teams or individual employees.

Positive feedback often highlights its power for large-scale management. Users describe it as a mature, feature-rich solution and a comprehensive, all-in-one solution. It helps solve the problem of manual, time-consuming T&E management.

However, this complexity is a recurring point of friction. The same feature depth is described as highly complex and unintuitive.

Support and Implementation

While Gartner Peer Insights gives SAP Concur respectable scores for deployment and support, user feedback reveals that the customer experience is highly inconsistent. The quality of service and implementation timelines often depend heavily on the customer’s account size and subscription tier.

Users frequently report challenges with long implementation cycles and complex administration:

• Many cite “SAP Concur can feel complex for staff who are not used to digital systems.”
• One reviewer noted, “First contact support, e.g. through chat, is not generally very helpful.”
• Another reported, “The customer service is terrible you are just being thrown from 1 person to the other with no help.”

Pricing and Value

SAP Concur does not publish pricing on its website, and most deals are custom-quoted. This lack of transparency is a frequently noted issue, with one source stating, “Pricing isn’t public, so you don’t know where you stand until the sales call.”

Third-party sources indicate that the pricing model often includes per-report or per-transaction costs, with some reports citing fees that start at “$9/report.” Despite the opacity, the platform’s cost is often seen by enterprise customers as commensurate with its security and reliability features.

The Cost of SAP Concur: Public Facts and Figures

Because SAP Concur does not publish a standard price card, its cost structure can only be described using credible third-party sources. Licensing is quote-based by module (e.g., Expense, Travel, Invoice), with per-user or per-report pricing negotiated on a case-by-case basis.

Expense management commonly includes a transactional component, with analyst comparisons citing starting points such as $8 or $9 per report. Travel bookings also carry travel management company (TMC) transaction fees; industry examples include $8 for online self-booking, $19 for online bookings with agent assistance, and $35 for agent-assisted international bookings. These fees vary by TMC and region.

Implementations typically involve paid services for integration, configuration, and reporting, and multi-country rollouts are frequently reported to take 6–12 months.

Overall, SAP Concur is priced and implemented as a traditional enterprise system. While this can be a good fit for large, complex organizations, it may be misaligned with the needs of leaner or fast-growing teams seeking transparent, modern pricing and rapid deployment.

What are the pros of SAP Concur?

✅ Enterprise-grade, end-to-end coverage

SAP Concur unifies travel, expense, and invoice management within one ecosystem that integrates tightly with SAP ERP. Third-party and SAP materials describe it as a “comprehensive, all-in-one solution … within a single, unified platform” that allows companies to “track and manage every employee-initiated expense and travel cost on one connected system.”

✅ Proven global scale

For multinational corporations, SAP Concur’s reach and localization are extensive. It supports more than 170 countries and territories, 142 currencies, and over 30 languages, with a reported user base of more than 85 million. Reinforcing its enterprise footprint, IDC ranked SAP Concur as No. 1 in global T&E management market share for 2023.

✅ Deep policy and compliance capabilities

The platform is built to encode nuanced, global policy frameworks with built-in policy controls and AI-supported auditing, in addition to support for indirect tax/VAT and regulatory compliance. Users report “significant time savings, increased compliance, faster reimbursements, and better financial oversight,” and note that it “helps … navigate complex international regulations.”

✅ Mature ecosystem and integrations

SAP Concur’s ecosystem includes over 900 partners and more than 300 App Center integrations across ERP, HRIS, travel, and payments. It has strong ties to card issuers like American Express and the virtual card provider Conferma Pay. Gartner Peer Insights also highlights Concur’s role within SAP’s broader finance and operations platform, which can reduce integration risk for large, complex environments.

✅ Strong recognition and market trust

SAP Concur is consistently recognized by analysts and peer platforms. It regularly appears as a leader on G2’s Travel Management and Expense Management grids with thousands of reviews and was ranked No. 1 worldwide in IDC’s T&E software market share. User comments call it a “mature, feature-rich solution,” and Software Advice lists it as a “FrontRunner 2025.”

What are the cons of SAP Concur?

❌ Complexity and learning curve

A recurring theme in user feedback is that SAP Concur’s flexibility comes with significant complexity. Reviewers describe it as having “high complexity … potentially overwhelming for a small business” and note a “more complex user interface … steeper learning curve,” even if it is a “great and easy tool once mastered.” Multiple users call out the “overwhelming” nature of its configuration and administrative panels.

❌ Usability and UX friction

While many users adapt over time, a significant portion of them find the interface dated or clunky. Comments frequently include criticisms like, “could be less clunky and faster to respond,” “a little buggy and clunky sometimes with long page refreshes,” and “not user-friendly for employees.” One operations manager on Reddit summarized the sentiment: “Concur works, but nobody loves using it.”

❌ Long implementations and admin overhead

For multi-country, multi-module rollouts, implementations are often described as lengthy and services-heavy. User-reported examples include, “implementation can take [around six] months … and only [three] sites at a time,” “long and expensive integration timelines,” and that it “requires a medium to high level of IT/Admin involvement.” This is often a challenge for organizations expecting modern, self-serve SaaS deployment timelines.

❌Pricing opacity and per-report fees

SAP Concur’s lack of public pricing and its reliance on per-report fees are frequent pain points for customers. Users and third-party comparisons note that “pricing isn’t public, so you don’t know where you stand until the sales call,” and that “higher cost can be a barrier for smaller companies.” They also list fee examples such as, “Concur Travel and Expense starts at $9/report.”

❌Mobile and reliability issues

The mobile app is a central tool for many users, but intermittent reliability concerns surface regularly in reviews. Users report that “uploading receipts can be glitchy … photos … do not appear,” the app can be “a little buggy … long page refreshes when making changes,” and “sometimes transactions can take a while to appear.”

When Is SAP Concur a Good Fit?

SAP Concur is a good fit when: 

• You’re a large, complex, multi-country enterprise. If you operate in dozens of countries with intricate tax, policy, and ERP requirements, SAP Concur’s global footprint and deep SAP integration align well. Reviewers call it “ideal for larger enterprises with diverse needs” and note that it “supports multiple currencies, languages, and tax requirements.” IDC reinforced this by ranking SAP Concur No. 1 worldwide in T&E market share for 2023.
• Your organization is standardizing on SAP. Companies that have heavily invested in SAP S/4HANA or other SAP systems often favor SAP Concur for its native connectivity and to support a single-vendor strategy. SAP materials highlight the ability to “natively integrate with SAP Cloud ERP … [for] real-time insights into spend data” and “effortlessly manage expenses.”
• Your program prioritizes policy control and auditability. If the top objective is to control  risk and enforce policy across a large workforce, SAP Concur’s compliance stack, which includes built-in policy controls and AI-supported auditing, stands out. Users report “increased compliance, faster reimbursements, and better financial oversight” and say it “helps … navigate complex international regulations.”
• Your team can invest in administration and change management. When there is an appetite for a multi-month rollout, dedicated administrative resources, and extensive user training, SAP Concur’s complexity becomes manageable. As users note, it is a “great and easy tool once mastered,” with some praising the availability of “onboarding and training … guides and information.”

When Is SAP Concur Not an Ideal Fit?

SAP Concur is not an ideal fit when:

• You have a lean finance or travel team without IT bandwidth. If you’re short on resources for a complex implementation and ongoing administration, reviewers warn of “high complexity … [that] may require more time and resources for training and onboarding.” Others note it “requires a medium to high level of IT/admin involvement.” As one finance professional on Reddit put it, “Concur needs an admin to babysit it; smaller firms get overwhelmed.”
• Your organization expects consumer‑grade UX. If adoption hinges on a modern, mobile-first experience that requires minimal training, users frequently flag friction points. They describe a “more complex user interface … not user-friendly for employees,” that “could be less clunky and faster to respond,” and an app where “uploading receipts can be glitchy.” These UX challenges directly affect compliance and data quality, as employees who delay or avoid using the system reduce finance’s timely visibility.
• You require clear, transparent SaaS pricing. If your procurement process depends on public price lists and simple per-seat fees, SAP Concur’s quote-based and per-report structure can be a source of frustration. Users note that “pricing isn’t public … [leading to] unexpected extra costs.” Some CFOs on Reddit also cite budgeting difficulty: “We had a hard time forecasting Concur costs as volume grew.”
• You’re a high‑growth, mid‑market company needing fast time‑to‑value. Organizations scaling quickly may find long timelines and services-heavy rollouts to be a significant challenge. Reviewers say that an “implementation can take [around six] months … and only [three] sites at a time” and describe “long and expensive integration timelines.” These companies increasingly turn to modern T&E platforms that emphasize rapid deployment and self-service configuration.

Considering a Modern Travel and Expense Platform? Discover Why Teams Explore Navan

Across thousands of reviews and analyst reports, a consistent picture of SAP Concur emerges: It’s a mature, feature-rich platform that excels in large enterprises willing to trade long implementations and high administrative overhead for deep policy control.

At the same time, many organizations report friction with SAP Concur’s user experience, implementation complexity, and opaque, per-report pricing. In response, finance and travel teams are turning to Navan’s unified platform, which combines travel, corporate cards, and expense management.

They’re choosing Navan’s consumer-grade interface to boost adoption and data quality, and leveraging its real-time visibility and controls instead of relying on retroactive reporting.

How Navan Addresses Today’s Travel and Expense Challenges

What Navan Does

• Unifies travel, corporate cards, and expense management on a single platform. Employees book travel in Navan, pay with Navan corporate cards, and see expenses reconcile automatically, reducing manual work and the risk of errors.
• Enforces policy in real time at the point of booking or spending. This proactive approach eliminates the need for retroactive manual auditing and ensures compliance from the start.
• Delivers a modern, consumer-grade user experience. The intuitive design, highlighted by G2 and Capterra reviewers, drives higher adoption and reduces the need for extensive training or help desk support.
• Enables a fast implementation. Many customers go live in weeks, not months, with minimal IT involvement, which stands in sharp contrast to traditional enterprise software rollouts.
• Offers transparent, SaaS-style pricing. Navan’s model is designed to be straightforward and scalable for unified T&E, avoiding the complexity of opaque, per-report fee structures. 

If your organization is experiencing common SAP Concur pain points (such as a clunky user experience, long implementations, opaque pricing, or fragmented travel, card, and expense workflows), a modern, unified platform like Navan can simplify your operations.

Conclusion: Re-evaluating the Travel and Expense Status Quo

This deep dive into SAP Concur reveals a powerful, globally scaled, and deeply integrated solution, making it an enterprise-grade leader supported by strong analyst recognition and market share. 

Its comprehensive coverage across travel, expense, and invoice management, coupled with its ability to handle complex global policies and native SAP integration, makes it a logical and defensible choice for large, multinational organizations with substantial resources and a commitment to the SAP ecosystem.

However, the consensus across thousands of user reviews also highlights a significant shift in expectations for modern finance and travel tools. SAP Concur’s feature depth is often paired with:

• Complexity and UX friction: A non-trivial learning curve, a less modern user interface, and intermittent reliability issues in the mobile experience.
• Administrative overhead: Long implementation timelines, often six or more months, and a high requirement for dedicated IT and administrative involvement.
• Pricing opacity: A lack of public pricing and a reliance on quote-based, per-report, and transactional fees that are less predictable than modern, per-seat SaaS models.

The challenges voiced by users — clunky experiences, fragmented workflows, and high administrative costs — are precisely why the market is rapidly moving toward unified travel and expense platforms. Navan embodies this modern approach by unifying booking, corporate card payment, and expense reconciliation into a single platform with a consumer-grade UX and transparent pricing.

For organizations that prioritize rapid time-to-value, transparent costs, and a frictionless experience that employees will actually adopt, re-evaluating the status quo is essential. The choice today is often between an established, feature-rich platform built for maximum configurability (SAP Concur) and a unified, agile solution built for maximum simplicity, compliance, and user adoption (Navan).

If your team struggles with low adoption, fragmented visibility, or expense reporting delays, the benefits of a modern, integrated travel and expense platform are worth exploring.

*Competitive data was collected as of January 8, 2026, and is subject to change or update.