Looking for Navan Alternatives? Try Expense Tracker 365
                     Looking for Navan Alternatives? Try Expense 
Tracker 365
Best Navan Alternatives for 2025
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.