Isn’t Ramp primarily suitable for start-ups or smaller companies?

Ramp is built for modern finance teams of every size, from fast-growing startups to global enterprises. While Concur was founded in 1993 for a pre-automation world of batch processes and heavy manual configuration, Ramp was built in the software era to eliminate the busywork legacy expense systems still rely on. Backed by a $32B valuation and guided by leaders like former Amex CEO Ken Chenault, we ship hundreds of improvements yearly and continue to expand agentic automation, AP workflows, international support, and advanced ERP integrations.

How does Ramp automate expense reporting, receipt collection, and reconciliation compared to our current processes?

Ramp eliminates expense reports entirely with its AI-native, all-in-one card and expense platform. The moment an employee swipes their card, Ramp captures the transaction, links it to the correct trip or project, and pulls in merchant, amount, time, and other metadata. Receipts are automatically collected and matched, and accounting codes are filled in from context. All of this flows directly into your accounting system, giving finance accurate data in real time and enabling a faster, cleaner close. No need for employees to log into a separate tool, build reports, track receipts, or guess GL codes.

How is compliance enforced on Ramp, is it an add-on tool like on Concur?

No, Ramp’s compliance is built directly into the platform, not handled through a separate paid add-on like AppZen on Concur. On Ramp Plus, you get access to a full suite of compliance features including built-in card controls (e.g., spend limits, vendor restrictions), automated reminders for missing receipts or memos, and real-time alerts and flags. These controls block roughly 3.5% of unwanted spend before it even happens, giving teams proactive protection from day one. For expense reviews, the Policy Agent reviews 100% of expenses against your policy and only surfaces the 10-15% that actually require human review, catching 3x more out-of-policy spend than any rules-based or human reviewer would catch. The agent learns your company’s spending patterns over time, and even recommends policy improvements or highlights potential risk areas. These features are all part of Ramp Plus and fully native to Ramp’s platform. There are no separate tools to buy, no add-ons to manage, and your pricing is all-inclusive for the tier you select.

How long does it take to get Ramp running?

Transitioning onto Ramp takes days, not months. With a dedicated onboarding and customer success team, we ensure a seamless implementation from Concur to Ramp, so you have cards issued, approval workflows set up, and automated reviews in less than 2 weeks. The fast implementation means you start realizing operational savings and audit automation almost immediately, rather than spending months configuring, customizing, and negotiating licenses the way Concur often requires. And best of all, you instantly become the hero internally for eliminating expense reports and giving employees meaningful time back.

Can we keep Concur Travel and just move expenses to Ramp?

Yes, many large customers start with exactly that approach. You can continue using Concur Travel, or your TMC of choice, while running Ramp for your everyday, recurring expenses. Teams typically launch Ramp with a small pilot group and go live in under 2 weeks, creating virtually no disruption while you validate time savings, cost reductions, and improved compliance before rolling out more broadly.

Ramp vs SAP Concur

2000+ businesses have chosen Ramp over SAP Concur

Stop wasting time on tedious expense reports and chasing paper receipts. Ramp modernizes card & expense management with auto-captured receipts, pre-filled memos, and real-time spend visibility, all while saving you 5%.

Metrics based on internal Salesforce records as of 11/24/2025 and customer bank statements at time of Ramp approval.

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Metrics based on internal Salesforce records as of 11/24/2025 and customer bank statements at time of Ramp approval.

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