Mid-market

✓ Vetted by Audit Friendly

Side-by-side comparison

Navan vs SAP Concur

Name: SAP Concur Review
Item: SAP Concur
Rating: 81
Author: Audit Friendly

Navan leads on AI and agent readiness and support. SAP Concur leads on compliance depth and scalability.

We earn a referral fee from some vendors. It never changes our scores, which come from our published eight-dimension rubric.

AF score

Agent readiness

In market since

2015

1993

Best fit

Navan

Travel-heavy mid-market T&E teams

SAP Concur

Global enterprises on SAP

The verdict

Navan

AF score 82 / 100 · Leads on 5 of 8

Higher score, +1

Choose it if

A 100 to 300 person company that wants managed travel
A mid-market or enterprise company with heavy travel on NetSuite
A global travel program replacing a legacy TMC and online booking tool, with USD

Try Navan

Free; $15/user/mo (published)

SAP Concur

AF score 81 / 100 · Leads on 3 of 8

Choose it if

A multinational that needs one travel and expense policy across many countries
An SAP ECC or S/4HANA shop that wants expense
A company with thousands of travelers that wants booking, expense

Visit SAP Concur site

From $7/report (US, published) Read our full SAP Concur review

Partner links: Audit Friendly may earn a referral fee if you sign up or take a demo through them. It never changes our scores or rankings. How we review

Scores from our independent reviews of both tools. Prices verified 12 Nov 2026.

At a glance

Fact	Navan	SAP Concur
Best fit	Travel-heavy mid-market T&E teams	Global enterprises on SAP
Price	Free; $15/user/mo (published)	From $7/report (US, published)
Pricing model	Free to 300 staff; per-user Expense; quote above that	Published US per-report tiers; Premium and add-ons by quote
Implementation	Medium	High
Time to go live	Days to 4 months (vendor)	No published range (SAP)
Agent readiness	✓ 4 / 5	2 / 5
AF score	✓ 82 / 100	81 / 100

✓ marks a clear edge. Prices are as each vendor publishes them, verified 12 Nov 2026.

AF scores by dimension

Navan leads on

AI and agent readiness

+26

Implementation

+19

Support

+15

Payments & money movement

+11

Pricing transparency

SAP Concur leads on

GL and ERP fit

+15

Scalability

+11

Compliance depth

Each dimension is scored 0 to 100 in the full reviews. The chip shows the leader's margin.

What each costs

Navan

Free; $15/user/mo (published)

Free to 300 staff; per-user Expense; quote above that

SAP Concur

From $7/report (US, published)

Published US per-report tiers; Premium and add-ons by quote

Compare plans on their own sites

NavanFree; $15/user/mo (published)Try Navan

SAP ConcurFrom $7/report (US, published)Visit SAP Concur site

Where each falls short

Navan is a weak fit for

A company on Business Central or SAP
A team that wants one platform for AP
A buyer who needs Claude or another agent to approve expenses or book trips through MCP today

SAP Concur is a weak fit for

A 20-person team that wants self-serve setup and a card that pays cash back
A multi-currency mid-market company on Sage Intacct, QuickBooks Online or Xero
A finance team that wants Claude or another agent to read or act on T&E data today through a vendor-supported MCP server