Navan sells travel booking, expenses and corporate cards as one system, and people leave it for different reasons: the free tier ends at 300 employees, expense is free only for five users, the integration list is short, or the company does not travel enough to need an in-app booking tool. Below are expense tools that range from card programmes to per-user claim software.
Sebastiaan SmitsFounderShort answer: Looking for a replacement for Navan? Zoho Expense, Payhawk and Pleo come first in our expense management ranking. Places 1 to 3 go to challengers, vendors outside the best-known brands in a category, wherever the category has them; the established names follow from place 4 in their ranked order. Start with Zoho Expense if you only need the request, approval and claim side of travel and want the lowest published price. Every one of the 11 products below comes from Best Expense Management Software in 2026, with a note on how it departs from Navan.
Vendors can pay for more visibility on this website, for example a higher place in a ranking or more room on a page. Commercial relationships can also affect which products we feature and how prominently. Every vendor link is marked the same, whatever the arrangement behind it. How that works.
Navan Business is listed as free for companies of up to 300 employees, and the pricing page says the cost is covered by commissions from travel providers. Expense is a different meter: it is free for the first 5 monthly expensing users, then $15 per user per month. A company of 100 people who all submit claims therefore pays for expenses even though travel costs nothing.
Companies with more than 300 employees are sent to a demo, and Enterprise reads "Let's talk" with no figure. The page lists what Enterprise adds, among them unlimited travellers and expensing users, a dedicated Customer Success Manager and custom implementation, but gives no amounts, so a growing firm cannot budget from the page alone.
Navan's integrations page names Campfire, Oracle NetSuite, Sage Intacct and Xero for accounting, plus Coupa, Concur and Expensify under expense automation and an Expense API for custom systems. QuickBooks, SAP and DATEV did not appear on the page we read. A finance team on a ledger outside that list should check how the data would get there.
| Alternative | Headquarters | Free option | Pricing model | Switch if | Our rank |
|---|---|---|---|---|---|
| Zoho Expense | India | Yes | Published | you only need the request, approval and claim side of travel and want the lowest published price | #10 |
| Payhawk | United Kingdom | No free tier | Published | you run subsidiaries in several European countries and want bills and cards beside expenses | #4 |
| Pleo | Denmark | No free tier | Published | most employees spend rarely and you want the receipt step to happen without chasing | #5 |
| Moss | Germany | Yes | Published | your accountant works in DATEV and your team is German or Austrian | #7 |
| Mooncard | France | No free tier | On request | the books are French and you want entries ready when the card is swiped | #1 |
| Soldo | United Kingdom | No free tier | Published | you want hard spending caps per team and prefer not to take on credit | #2 |
| Spendesk | France | No free tier | On request | budget holders should say yes before a booking or purchase, not after | #6 |
| Yokoy | Switzerland | No free tier | On request | you have a few hundred staff and want one rule set for claims, cards and incoming bills | #3 |
| Expensify | United States | Yes | Published | staff file claims from their own cards and you want a cheap, familiar scanner | #8 |
| Emburse | United States | No free tier | On request | you pass 300 employees, want a travel-and-expense suite and accept a tender process | #12 |
| Ramp | United States | Yes | Published | you are a US company and want a free plan with automated month-end close | #9 |
India · Published
Zoho Expense covers travel requests, mileage, per diems and multi-level approvals. Prices are published, with a free tier next to the paid per-user ones. It books no flights or hotels itself and issues no cards, so trips are booked elsewhere and the paperwork lands here. Its link into Zoho Books is direct, and it also runs outside the Zoho suite.
Switch from Navan if you only need the request, approval and claim side of travel and want the lowest published price.
United Kingdom · Published
Payhawk, a UK company, puts company cards, reimbursements and supplier invoices into one product, with multi-entity handling across countries. The bill is a platform fee plus units per card, invoice and reimbursement, and a Growth programme for small businesses is published at £149 a month. Set-up is heavier than with the simpler tools.
Switch from Navan if you run subsidiaries in several European countries and want bills and cards beside expenses.
See the full Payhawk entry, ranked 4 of 14 among expense management products →
Denmark · Published
Pleo is Danish and charges per user per month at published rates. Staff pay with the card, photograph the receipt and carry on, so adoption needs little persuasion. Finance gets fewer rules to configure than in Payhawk, and the total rises with every added head, which matters once occasional travellers are counted as users.
Switch from Navan if most employees spend rarely and you want the receipt step to happen without chasing.
Our expense management guide puts Pleo at 5 of 14; read why →
Germany · Published
Moss comes from Germany and follows DATEV and other German bookkeeping conventions. Teams of up to three users pay nothing; larger ones get a quoted platform fee joined by a fee on transaction volume. It is less persuasive for a finance team outside the DACH region, where its accounting touchpoints matter less.
Switch from Navan if your accountant works in DATEV and your team is German or Austrian.
#7 out of 14 expense management products: read the Moss review →
France · On request
Mooncard is a French vendor whose card payments arrive as finished accounting entries instead of receipts awaiting processing. Each card issued costs €10 and the organisation price is quoted. Integrations are deepest with French accounting systems, and the fit weakens for ledgers kept elsewhere.
Switch from Navan if the books are French and you want entries ready when the card is swiped.
Mooncard holds rank 1 among 14 entries in our expense management guide →
United Kingdom · Published
Soldo issues prepaid cards from the United Kingdom, so each budget is funded before anything is spent and there is no credit line. Entry pricing is £27 a month, which covers three cards and three users; card issuance and other e-money charges come on top, and Unlimited is quoted. Money sitting on the cards is the cost of that control.
Switch from Navan if you want hard spending caps per team and prefer not to take on credit.
Check Soldo in the ranked list (2 out of 14, expense management) →
France · On request
Spendesk, French, asks for approval before the money goes out: a budget owner agrees, then a card or payment request is issued. Prices are quoted per organisation. Someone in finance has to administer it, so it fits a company with a controller and department budgets more than a small team.
Switch from Navan if budget holders should say yes before a booking or purchase, not after.
Switzerland · On request
Yokoy, from Switzerland, pushes claims from staff, spend on cards and incoming supplier invoices through a single automation engine rather than three separate products. Pricing is quoted. It is aimed at mid-sized organisations, and a thirty-person company would carry more machinery than it uses.
Switch from Navan if you have a few hundred staff and want one rule set for claims, cards and incoming bills.
Check Yokoy in the ranked list (3 out of 14, expense management) →
United States · Published
Expensify is American and known for its receipt scanning. Collect costs $5 per member monthly and Control $18 to $36, all published. Individual employees can file free on the Submit plan, but approvals, cards and accounting sync require a paid tier. Navan's five free expensing users compare against a per-member price here.
Switch from Navan if staff file claims from their own cards and you want a cheap, familiar scanner.
United States · On request
Emburse offers a travel and expense suite that grew by acquisition: Certify, Chrome River and Abacus sit underneath it. Which product line you are offered changes the answer, and prices are quoted. Policy rules, audit and ERP connections are mature, but card issuance and European entity cover need testing before a pilot.
Switch from Navan if you pass 300 employees, want a travel-and-expense suite and accept a tender process.
United States · Published
Ramp is American. Its Free plan costs nothing, while Plus charges $15 per user monthly on top of a platform fee; Enterprise is custom. Applicants must be US-registered with $25,000 in a US bank account. Local-currency cards in 30+ countries are listed on the higher plans, but eligibility starts in the United States.
Switch from Navan if you are a US company and want a free plan with automated month-end close.
Check Ramp in the ranked list (9 out of 14, expense management) →
Zoho Expense: Paid per-user plans sit beside a free tier, and it covers travel requests and mileage but books no trips.
Payhawk: Cards, reimbursements and supplier invoices sit in one product, with a Growth programme published at £149 a month.
Moss: Teams of up to three users pay nothing, and German bookkeeping conventions are built in.
Emburse: It sells a travel and expense suite with mature policy and ERP connections, quoted per organisation.
Soldo: Cards are prepaid, with plans from £27 a month including three cards.
Navan stays the right choice when trips are a large share of spend and you want booking, card and expense claim in one place, so that the booking becomes the expense without retyping. For a company under 300 staff that travels often, the pricing page shows no charge for travel, and the first five expensing users cost nothing. Check those two limits against your headcount before deciding that a move saves money.
Most tools below handle the expense side only. Decide where staff will book trips, and whether bookings will feed the new tool by card feed or by manual upload. Test a real trip from request to reimbursement before the cutover.
Navan corporate cards and Navan Connect links to Visa, Mastercard and American Express cards will not carry over. Export past expense data while you still have access, rebuild approval limits in the new tool, and run both systems for one month-end so the ledger can be compared.
Navan Business is listed as free for companies with 300 or fewer employees, funded by commissions from travel providers. Expense is free for the first 5 monthly expensing users and $15 per user per month after that. Enterprise is quoted.
The pricing page defines it as anyone who submits a transaction into Navan Expense, either manually or through Navan Connect. Counting staff who file even one claim a month gives a better estimate than counting headcount.
Its integrations page names Campfire, Oracle NetSuite, Sage Intacct and Xero, and lists an Expense API for custom builds. QuickBooks, SAP and DATEV were not mentioned there.
Emburse sells a travel and expense suite, and Zoho Expense handles travel requests and approvals though it books nothing. The other tools in this list concentrate on cards and claims, so a booking tool is a separate purchase.
Moss follows DATEV conventions and charges nothing for teams of up to three users. Payhawk and Pleo are also European and publish more of their pricing than Spendesk or Yokoy.
Zoho Expense and Moss list free plans, Ramp has a Free plan for US businesses, and Expensify has a Submit plan for individual employees. The limits differ, so compare what is included before relying on them.
Founder of The Knowledge Engineers and of 2 Steps Ahead, an AI search visibility agency. Editorially responsible for every page on this site; research and drafting are AI-assisted.
Author and fact-checker: Sebastiaan Smits. This page was last reviewed on 4 November 2026; our review process is public.
