Ramp AP vs SAP Concur Invoice

Ramp AP handles invoice capture, approval routing, and vendor payments through an accounts payable workflow. Ramp says its OCR captures invoice details and line items with 99% accuracy. Bills can be routed to configured approvers, and administrators can control who views, approves, or pays them while maintaining separation of duty. Payment options include ACH, same-day ACH, card, check, domestic wire, and international wire. The free Bill Pay tier includes core features without a monthly software fee, but payment charges vary: standard ACH costs $0.59, checks $1.99, same-day ACH $10, domestic wires $15, and SWIFT USD wires $20. Ramp Plus is listed at $15 a month, plus a platform fee based on team size, and offers a free 30-day trial. Ramp AP can operate without Ramp corporate cards or expense management, and vendors need no Ramp account to receive payment. It connects with named accounting tools including QuickBooks Online, Xero, NetSuite, Sage Intacct, Acumatica, and Microsoft Dynamics 365 Business Central. Access is listed for web, Android, iOS, API, and extension; Ramp says it has no native Mac or Windows desktop app.

SAP Concur Invoice is cloud-based accounts payable software for finance teams. It supports invoice processing, AI invoice capture, approvals, purchase order matching, supplier payments, and reporting. The system can match invoices with purchase orders and receipts, then flag discrepancies. Invoices are kept in a centralized cloud system with a digital audit trail. ERP and accounting connections are supported through pre-built connectors, open APIs, and secure file transfers; custom approval levels and multi-entity support are also listed. The SAP Concur mobile app, available for iPhone and Android, supports invoice review and approval, alongside web access. Concur Invoice can be combined with Concur Expense and Concur Travel to manage business spending in one system. Pricing is on request, and there is no free plan. SAP Concur says it conducts internal and external penetration testing at least annually and after significant infrastructure, segmentation, or application changes, including testing of Concur Invoice. Enterprise Support Cloud Edition includes resources such as training materials, knowledge-transfer assets, and practices for resolving issues. First-level technical support through the User Support Desk is a paid service that some customers add, not a universal inclusion.