Best Navan Aalternatives for 2025

March 22, 2025
5:27 pm

7 min read

Launched in 2015 as a corporate travel platform, Navan has grown its capabilities by acquiring various travel solution providers, including Reed & Mackay, Comtravo, and Atlanta Events & Corporate Travel Consultants.

Navan focuses on simplifying travel and expense management for both small businesses and enterprises by leveraging mobile, cloud technology, and AI.

However, if you need a comprehensive T&E platform with advanced procure-to-pay features, several alternatives to Navan are worth considering.

In this blog, we’ll explore nine top competitors, comparing their features, pricing, and user reviews to help you make an informed decision.

Evaluation Criteria

We assessed Navan alternatives based on the following key factors:

Feature Set – The variety and depth of functionalities offered.

Ease of Use – How intuitive and user-friendly the platform is.

Pricing Structure – Affordability and value for money.

User Feedback – Ratings and reviews from real users.

Expense Tracker 365 – A Powerful Alternative to Navan

Starting with top Navan alternatives is Expense Tracker 365 which is a robust solution designed for businesses seeking seamless expense tracking and financial management. It excels in Microsoft integration, AP management, and multi-subsidiary support, making it a top choice for organizations of all sizes.

Unlike Navan, Expense Tracker 365 goes beyond travel expense management by offering comprehensive AP automation, procurement features, and deep integrations with leading accounting software. Additionally, it provides flexible corporate card programs and a dedicated fraud detection team for enhanced security.

Key Features

Comprehensive Microsoft Integration – Built within the Microsoft ecosystem, Expense Tracker 365 seamlessly integrates with SharePoint, Teams, and Power Automate. It streamlines payments, financial close, AP automation, and corporate card management for a unified expense tracking experience.

Automated Expense Management – Utilizes OCR, machine learning, and AI to automate receipt capture, expense reporting, approval workflows, and seamless accounting integration like quickbooks.

Seamless Travel Expense Tracking – Helps businesses enforce spending limits, set travel policies, split transactions, and automatically sync travel expenses.

Advanced AP Automation – Simplifies bill creation, ensures accurate 3-way PO matching, and automates expense categorization while integrating with general ledger (GL) systems.

Enhanced Payment Solutions – Supports vendor payments and employee reimbursements with multi-currency transactions and the ability to link multiple bank accounts to subsidiaries.

Deep Software Integrations – Connects with HRIS platforms, communication tools, contract management systems, and leading ERPs and GLs.

24/7 Fraud Prevention – A dedicated fraud investigation team continuously monitors transactions to detect and prevent suspicious activity.

With its powerful financial automation tools and seamless integrations, Expense Tracker 365 is a strong alternative for businesses looking for an all-in-one T&E and expense management solution beyond Navan.

Expense Tracker 365 G2 Rating: 4.8/5

Pricing Plans

Expense Tracker 365 offers three flexible plans: Standard, Premium, and Enterprise. Each package includes essential platform features, with optional add-ons for travel expense tracking, purchase order management, and advanced approval workflows. Businesses can also choose individual modules instead of the full suite, tailoring the solution to their needs.

Who It’s Best For

Company Size – Ideal for mid-market to large enterprises (50 to 10,000 employees).

Business Needs – Perfect for organizations seeking a scalable and feature-rich solution for SharePoint automation, expense management, and streamlined financial workflows.

Experience Expense Tracker 365

Take a self-guided tour and explore how Expense Tracker 365 can optimize your business expense management effortlessly.

Brex

Brex – A Cost-Effective Alternative to Navan

If you’re looking for an affordable Navan alternative with multiple payment options and advanced AP automation, Brex could be the perfect fit. Leveraging AI, it automates accounts payable, expense management, and payment processes, making financial operations seamless and efficient.

Key Features

AI-Powered Expense Management – Brex AI automates receipt capture, matches transactions, generates memos, and verifies compliance with financial regulations.

Custom Approval Policies – Admins can set department budgets and create approval workflows tailored to entities, use cases, and spending categories, enabling smooth reimbursements in 70+ countries.

Corporate Cards – Issue virtual and physical corporate cards with customizable spending limits, available in 20 currencies on the Mastercard network.
Travel Management Tools – Access a global inventory of flights, hotels, and car rentals, manage group bookings, secure exclusive deals, and get 24/7 live agent support.

Coupa

G2 Rating: 4.2/5

Coupa Pricing:
Coupa does not publicly disclose its pricing, but it follows a modular pricing model. The total cost depends on the selected features, number of licenses, and additional expenses such as implementation, customization, and maintenance.

Is Coupa the Right Fit for Your Business?
Coupa is best suited for large enterprises seeking a comprehensive spend management solution. It works well for businesses with centralized procurement and indirect spend models that require travel, sourcing, contract management, procurement, and AP automation capabilities. If spend visibility and control are key priorities, Coupa is a strong option to consider.

Emburse Certify Expense:

Emburse Certify Expense: A User-Friendly Alternative to Navan

Emburse Certify Expense is designed to streamline expense management for businesses of all sizes. With an intuitive interface, it simplifies the entire process—from employees submitting expenses to managers approving them and finance teams reconciling payments.

Standout Features of Emburse Certify Expense

Smart Expense Management – Emburse Receipt Technology automatically captures receipt and mileage data, while ReportExecutive generates expense reports on a set schedule, reducing manual work.

Effortless Travel Management – Certify Travel provides access to corporate travel rates, enables pre-trip approvals, and ensures responsive customer support.

Automated Policy Compliance – The InstantAudit feature proactively detects errors, duplicates, and policy violations before expenses reach the approval stage.

Comprehensive Audit Trail – Transactions are automatically tagged and coded before syncing with the general ledger, ensuring full transparency in expense reporting.

Powerful Analytics & Reporting – Access 40+ pre-built reports, use the custom report builder, and leverage interactive dashboards for data-driven decision-making.
Global Payment Support – Handles 140+ currencies with real-time conversions based on the expense date, making it ideal for international businesses.

Emburse Certify Expense: Rating, Pricing & Best Fit

G2 Rating: 4.3/5

Emburse Certify Expense Pricing

Emburse Certify Expense offers pricing plans tailored to business size:

Certify Now – Ideal for small businesses with 1-25 employees, priced at $12 per user/month.

Professional Plan – Designed for growing small and mid-sized businesses, featuring custom pricing based on company needs.

Who Is Emburse Certify Expense Best For?

Business Size: Best suited for small to mid-sized companies looking to simplify expense tracking.

Ideal Use Cases: Perfect for businesses seeking a user-friendly expense management platform with built-in travel booking and payment solutions.

Happay

Happay: A Strong Alternative to Navan in Travel & Expense Management

Founded in 2012, Happay has established itself as a leading competitor to Navan, offering comprehensive travel and expense management solutions. What sets Happay apart is its additional features beyond standard T&E management, including fleet and digital petty cash management, which Navan lacks.

Key Features That Make Happay Stand Out

Diverse Expense Capture Methods – The Xpendite plug-in extracts expense data from six different sources, including corporate cards, email invoices, paper receipts, SMS notifications, Uber transactions, and uploads via the mobile app.

Automated Mileage Tracking & Approval Workflows – Customizable approval workflows, real-time tracking dashboards, automated reminders, and built-in policy enforcement tools help businesses streamline approvals.

SmartAudit for Policy Compliance – This intelligent feature automatically detects duplicate invoices, non-compliant expenses, and restricted items while ensuring invoices are verified before processing.

Simplified Travel Booking – Allows businesses to book policy-compliant travel while seamlessly integrating with multiple travel suppliers for greater flexibility.

Advanced Spend Analytics – Provides real-time insights into company spending, offering custom reporting options to help businesses optimize budgets and control expenses.

Happay G2 Rating, Pricing & Ideal Customers

G2 Rating: 4.5/5

Happay Pricing

Happay does not publicly disclose its pricing, as costs vary based on the selected features and business requirements. Companies interested in the platform can request a customized quote based on their needs.

Who Is Happay Best Suited For?

Business Size: Designed for mid-sized and large enterprises that require a scalable travel and expense management solution.

Ideal Use Cases: Best for organizations seeking a modern T&E platform with additional capabilities such as petty cash card management and fleet expense tracking.

Mesh Payments

If you’re searching for a Navan alternative that provides free travel and expense management tools, Mesh Payments is a strong contender. It combines procurement, travel, virtual cards, accounting automation, and global spend management into a single platform, making it a powerful financial solution for businesses of all sizes.

Key Features of Mesh Payments

Comprehensive Travel Management – Offers both online and offline booking options, real-time communication with travel agents, multi-agency support, and built-in policy enforcement to ensure compliance.

Automated Expense Management – Automatically categorizes expenses, matches receipts, supports approval workflows, and streamlines reconciliation with virtual cards.

SaaS Subscription Oversight – Provides real-time insights into SaaS subscriptions, automated payments, a monitoring dashboard, and controls to reduce unnecessary SaaS spending.

Multi-Subsidiary Expense Tracking – Enables businesses to manage and reconcile expenses across multiple subsidiaries, ensuring seamless financial oversight.

Mesh Payments G2 Rating & Pricing

G2 Rating: 4.6/5

Pricing Plans:
Mesh Payments offers three pricing tiers:

Pro Plan – Free, ideal for businesses looking for essential spend management tools.

Premium Plan – Priced at $10 per user/month, offering advanced features.

Enterprise Plan – Custom pricing tailored to meet specific business requirements.

Who Should Use Mesh Payments?

Business Size: Suitable for small, medium, and large enterprises.

Best For: Companies with international operations seeking a travel and expense management platform with additional features like virtual cards, SaaS subscription monitoring, and global spend control.

Ramp

Ramp: A Powerful Navan Alternative for T&E, AP Automation & Procurement
For businesses seeking a unified travel and expense (T&E) management platform with built-in AP automation and procurement tools, Ramp stands out as a strong competitor to Navan. Like Navan, Ramp offers a free plan that covers essential expense and travel management features, making it a cost-effective option for growing companies.

Key Features That Make Ramp Stand Out

Automated Receipt Capture – Collects receipts seamlessly via mobile app and SMS while automatically retrieving them from platforms like Lyft, Amazon, and Gmail for effortless expense tracking.

Corporate Cards With Smart Controls – Enables businesses to set category-specific and merchant-based spend limits, enforce submission requirements, and gain full visibility into company spending.

Advanced Travel Management – Allows companies to establish dynamic spend limits based on market rates, access Priceline’s inventory of flights and hotels, and create custom approval workflows based on amount, GL code, team, and more.

Intelligent AP Automation – Uses AI-driven insights to automate expense categorization, detect errors, and suggest accounting rules while ensuring seamless ERP integration.

For companies looking for a modern, AI-powered spend management solution that streamlines travel, expense, procurement, and accounts payable, Ramp offers an efficient and scalable alternative to Navan.

Ramp G2 Rating, Pricing & Best Fit

G2 Rating: 4.8/5

Ramp Pricing

Ramp provides a free plan that includes expense management, corporate cards, and accounting software integration, making it a budget-friendly option for businesses looking to streamline financial operations. For those requiring more advanced capabilities, Ramp offers:

Ramp Plus – Priced at $15 per user/month, this plan includes enhanced integrations, custom workflows, and purchase order (PO) management.

Ramp Enterprise – Custom pricing designed for large organizations needing multi-entity support, advanced controls, and tailored financial solutions.

Who Is Ramp Best Suited For?

Business Size: Ideal for small to medium-sized businesses (SMBs) and large enterprises.

Best For: Companies looking for a comprehensive spend management platform with AP automation, procurement tools, and integrated T&E capabilities.

For organizations seeking a flexible, AI-driven financial management solution, Ramp provides a scalable alternative with robust automation and spend control.

SAP Concur

For businesses seeking a comprehensive travel and expense (T&E) management solution with additional features like invoice processing, budgeting, and purchase order (PO) matching, SAP Concur is a strong alternative to Navan. Its suite of products—including Concur Travel, Concur Expense, and Concur Invoice—work together to provide seamless spend management across an organization.

Key Features That Set SAP Concur Apart

Effortless Expense Management – A mobile-friendly platform allows users to submit receipts, generate expense reports, and approve expenses on the go.

Advanced Fraud Detection – Concur Detect by Oversight leverages AI to analyze receipts and expense data, flagging potential fraud and ensuring strict policy compliance.

Optimized Travel Booking – Provides access to a global network of travel partners, a traveler self-service portal, automated ticketing and seat checks, and a virtual card for seamless travel payments.

Comprehensive Spend Visibility – Delivers real-time insights into total company spending, tracking every transaction for better budget control.

Streamlined Payment Solutions – Payment Manager simplifies bulk payments through third-party integrations, improving efficiency in vendor and employee reimbursements.

SAP Concur G2 Rating, Pricing & Best Fit
G2 Rating: 4.0/5
SAP Concur Pricing
SAP Concur does not publicly list its pricing, as costs vary depending on the specific features, company size, and integration requirements. Businesses can request a custom quote based on their needs.

Who Is SAP Concur Best Suited For?

Business Size: Designed for mid-sized companies and large enterprises that require scalable spend management solutions.

Ideal Use Cases: Best for organizations seeking a comprehensive platform to manage travel, expenses, and budgeting with real-time visibility and automation.

Zoho expense

Zoho Expense: A Versatile Navan Alternative for Travel & Expense Management
Zoho Expense is a strong Navan alternative that offers comprehensive travel and expense management with built-in approvals, corporate card management, and automation tools. What sets it apart is its Chrome and Gmail add-on, allowing users to capture receipts directly from emails and web apps, simplifying expense tracking.

Standout Features of Zoho Expense

Seamless Receipt Capture – Users can import receipts via auto-scan, Gmail, Outlook, Chrome, and Zoho Mail add-ons, ensuring no expense goes unrecorded.

Multi-Currency & Multi-Language Support – Automatically converts expenses to local currencies and processes receipts in 14 different languages, making it ideal for global teams.

Customizable Expense Reports – Provides the flexibility to tailor expense reports, forms, and fields while allowing role-based UI customization for admins.

Streamlined Business Travel Management – Simplifies the travel booking process with a built-in self-booking tool that ensures compliance with company policies.

Insightful Spend Analytics – Delivers detailed corporate card expense tracking through an intuitive dashboard, offering real-time financial insights.

Zoho Expense G2 Rating, Pricing & Ideal Customers

G2 Rating: 4.5/5

Zoho Expense Pricing

Zoho Expense offers four pricing plans to accommodate businesses of all sizes:

Free Plan – Ideal for freelancers and small teams with basic expense tracking needs.

Standard Plan – $4 per user/month (billed annually), offering core travel and expense management features.

Premium Plan – $7 per user/month (billed annually), including advanced reporting, automation, and multi-currency support.

Custom Plan – Tailored pricing for large organizations requiring scalability, integrations, and personalized configurations.

Who Is Zoho Expense Best Suited For?

Business Size: Designed for self-employed professionals, small businesses, and large enterprises.

Best For: Companies and individuals seeking a budget-friendly yet feature-rich travel and expense management solution.

Expense Tracker 365 vs. Navan: A Detailed Comparison

In this section, we’ll compare Expense Tracker 365 vs. Navan, highlighting their key features and differences.

What Does Expense Tracker 365 Offer?

Beyond travel and expense (T&E) management, Expense Tracker 365 delivers a holistic financial management platform that includes expense tracking, budgeting, and reporting tools.

Unlike Navan, which focuses primarily on T&E, Expense Tracker 365 provides a more comprehensive approach to business expense management, integrating features such as:

Customizable Virtual & Physical Cards – Set spending limits, enforce policies, and track real-time transactions with enhanced security.

Automated Expense Categorization – AI-powered categorization and seamless expense reconciliation reduce manual work.

Multi-Currency Support – Manage and track expenses across multiple countries, making it ideal for global businesses.

Advanced Reporting & Analytics – Gain real-time financial insights to make informed business decisions.

Bill Payment & Vendor Management – Unlike Navan, Expense Tracker 365 enables direct bill payments and vendor tracking for streamlined financial operations.

Why Expense Tracker stands out?

Managing business expenses efficiently is crucial for maintaining financial health, reducing unnecessary costs, and improving overall operational efficiency. Expense Tracker 365 is a comprehensive expense management platform designed to simplify tracking, approval workflows, vendor management, and financial reporting. With its intuitive features, businesses can gain real-time visibility into spending, enforce compliance, and automate tedious financial processes.

Unlike traditional expense tracking methods that rely on spreadsheets or manual data entry, Expense Tracker 365 provides an automated, centralized, and intelligent solution to streamline expense management. Whether you are a small business, mid-sized company, or enterprise, this platform adapts to your needs with advanced tools that eliminate inefficiencies and improve spend control.

Expense Tracker 365 simplifies expense recording with automated receipt capture, expense categorization, and reconciliation. It integrates seamlessly with corporate cards, allowing businesses to monitor real-time transactions and match them with expense reports effortlessly. With a no-code, drag-and-drop approval builder, businesses can create tailored workflows to manage expense approvals efficiently. The platform dynamically adapts forms and approval steps based on employee input, ensuring compliance with company policies.

Expense Tracker 365 offers a centralized vendor management portal where businesses can track vendor details, contracts. Vendors also have a self-service portal to monitor payment statuses, enhancing transparency and efficiency in supplier relationships. For companies operating internationally, Expense Tracker 365 supports multi-currency transactions, enabling seamless expense tracking and payments across 200+ countries in 145+ currencies. This ensures that global teams can manage expenses without exchange rate complications.

With built-in policy enforcement tools, Expense Tracker 365 ensures that expenses adhere to company guidelines. The system automatically flags out-of-policy expenses, detects duplicate claims, and prevents fraudulent activities before approvals are processed. The platform provides real-time financial insights through interactive dashboards and customizable reports. Businesses can track spending patterns, analyze expense trends, and generate audit-ready financial reports to optimize budgeting decisions.

Expense Tracker 365 is scalable for all business sizes, whether you’re a startup or a large enterprise. It integrates seamlessly with popular accounting software and ERP systems, ensuring smooth financial operations. With a user-friendly interface, employees can easily submit, track, and manage expenses. The platform also ensures data protection with industry-standard encryption and compliance with financial regulations.

Expense Tracker 365 is more than just an expense management tool—it’s a complete financial control platform that helps businesses automate processes, enhance compliance, and gain full visibility into corporate spending. If you’re looking for a cost-effective, scalable, and feature-rich solution to manage business expenses, Expense Tracker 365 is the ideal choice.

Navan vs Expense Tracker 365

Compared with Navan, Expense Tracker 365 offers seamless corporate card integration with automated receipt scanning. Every transaction made with virtual or physical corporate cards is instantly matched with receipts using AI-powered OCR technology, eliminating the need for manual uploads.

Admins can set up custom spend controls, and all scanned receipts are automatically categorized and synced with accounting software, ensuring real-time expense tracking and audit-ready records. With fraud detection alerts and 24/7 monitoring, businesses can confidently manage their corporate spending with full transparency and security

What is Navan?

Navan, previously known as Trip Actions, is an all-in-one travel and expense management platform designed to streamline corporate travel, expense tracking, and reimbursements. It caters to both small businesses and large enterprises, offering a seamless way to book trips, manage expenses, and automate approvals.

With features like group travel coordination, AI-powered booking recommendations, and sustainability tracking, Navan helps companies optimize travel budgets while ensuring compliance and convenience.

With Navan, users can effortlessly plan itineraries and book flights, hotels, and rental cars in one place. Admins can set up dynamic travel policies, ensuring that every booking remains compliant with company guidelines.

The Team Travel feature simplifies group travel management by allowing companies to coordinate trips for up to 50 employees and guests. Navan also integrates with Reed & Mackay’s Meetings and Events services, providing tools for budget management, on-site support, and expert travel coordination.

Beyond human assistance, Navan’s AI-powered agent, Ava, helps employees manage bookings, make changes, and find the best options in real-time. Plus, employees can redeem travel rewards earned on business trips for personal vacations, adding extra value to their travel experience.

Navan’s expense management platform gives admins full control and real-time visibility over company spending. Businesses can set customized spend policies, ensuring compliance while streamlining expense tracking.

Employees can scan and upload receipts instantly or link their existing corporate cards, allowing Navan to automatically categorize transactions and sync them with accounting software for seamless reconciliation.

Additionally, businesses can track VAT-eligible expenses and generate detailed reports to reclaim a portion of their costs, maximizing financial efficiency.

Conclusion

While Navan offers a solid travel and expense management solution, Expense Tracker 365 goes a step further by delivering a more flexible, efficient, and enterprise-ready expense tracking system.

Built on Microsoft SharePoint, Expense Tracker 365 seamlessly integrates with your existing Microsoft ecosystem, ensuring better collaboration, security, and compliance. Unlike Navan, which focuses heavily on travel, Expense Tracker 365 is designed to provide deeper control over business expenses.

Frequently Asked Questions

How does Expense Tracker 365 provide better expense management than Navan?

Unlike Navan, which focuses primarily on travel-related expenses, Expense Tracker 365 offers comprehensive business expense tracking. It provides real-time expense monitoring, AI-powered receipt scanning, and seamless accounting integration, ensuring full control over all company spending—not just travel expenses.

Why is Expense Tracker 365 a better choice for Microsoft 365 users?

Expense Tracker 365 is built on Microsoft SharePoint, making it the perfect choice for organizations already using Microsoft 365. It enables seamless integration with Outlook, Teams, OneDrive, and Power BI, enhancing collaboration, security, and workflow automation—something Navan lacks.

Does Expense Tracker 365 offer more flexibility in corporate card management?

Yes! Expense Tracker 365 allows businesses to issue unlimited virtual and physical corporate cards with custom spending controls, whereas Navan’s corporate card features are more travel centric. Additionally, all transactions are automatically categorized and synced with accounting systems, reducing manual work.

How does Expense Tracker 365 enhance compliance and security?

Since Expense Tracker 365 runs on SharePoint, it leverages Microsoft’s enterprise-grade security and compliance features. It also provides AI-driven fraud detection, audit-ready reporting, and custom approval workflows, ensuring secure and compliant expense tracking—something Navan doesn’t fully offer.

Can Expense Tracker 365 help businesses save more money compared to Navan?

Absolutely! With AI-powered automation, custom spend controls, and real-time insights, businesses using Expense Tracker 365 reduce unnecessary spending, improve budgeting, and maximize VAT reclaim opportunities. Plus, unlimited cash back on corporate card transactions helps companies save even more.

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