Best for
Best for companies whose expenses come mostly from travel and who want booking, cards and expense reports in one place.
- Small and mid-sized
- Enterprise
Accounting & Invoicing Comparison
Navan vs. Ramp
At a glance
At a glance
Best for
Best for finance teams that want corporate cards, expense management and vendor bill payment in one system and will run their card spend through it.
- Small and mid-sized
- Enterprise
Cataleo does not name a winner. Both statements come from the vendors themselves.
Full Comparison
| Criterion | Navan | Ramp |
|---|---|---|
| Starting price | Free up to 300 employees; Expense $15 / user / month Navan Business is free for companies with up to 300 employees and carries no per-trip booking fee. Navan Expense is free for the first five users, then $15 per expensing user per month. Navan Enterprise is priced on request. | Free; Plus from $15 / user / month The Free plan has no software cost. Plus is $15 per user per month plus a platform fee based on team size, 20 percent off with annual billing. Enterprise is priced on request and billed annually. |
| Free trial | Free plan for companies with up to 300 employees | Not stated |
| Users | Not stated | More than 70,000 businesses, per the vendor |
| API | Yes, the Navan Expense API with OAuth 2.0 and webhooks, a Booking API, and an official MCP server | Yes, a public developer API with webhooks, plus an official MCP server at mcp.ramp.com |
| Hosting | Cloud (SaaS) | Cloud (SaaS) |
| Invoicing and quotes | No customer invoicing, accounts receivable or supplier invoice processing; the platform covers travel booking, employee expenses, corporate cards and reimbursements | No customer invoicing or accounts receivable; the invoice handling covers incoming vendor bills only |
| Bookkeeping and bank feeds | No general ledger of its own; auto-enriched transactions sync to Oracle NetSuite, QuickBooks, Xero, Sage Intacct and Campfire, or by custom CSV, SFTP or API | No general ledger of its own; real-time two-way sync with NetSuite, QuickBooks, Xero, Sage Intacct, Workday and Oracle |
| Expenses and receipts | Yes, this is the core alongside travel: Navan corporate cards, Navan Connect for existing Visa, Mastercard and American Express cards, personal-card reimbursement, automatic receipt and invoice matching, and policy checks at the point of spend | Yes, corporate cards with per-card controls, automatic receipt capture and coding, policy enforcement and reimbursements |
| Tax and compliance | VAT reclaim support rather than filing: Navan books travel as a disclosed agent so the supplier invoices the customer directly and the reclaim right is preserved, airline invoices are available in the platform, travellers can upload hotel invoices and an invoice collection service gathers them on the customer's behalf | 1099 automation and filing within Bill Pay |
| Payroll | No payroll module; HR systems including ADP, BambooHR, Gusto, HiBob, Personio, Rippling and Workday connect for user provisioning instead | No payroll processing of its own; Ramp syncs with payroll and HR systems instead, among them ADP, Gusto, Paychex, Paylocity, Justworks, TriNet, Square Payroll, UKG, BambooHR and SAP SuccessFactors |
| Reports and exports | Yes, transactions arrive pre-coded to legal entity, subsidiary, region, department, cost centre and GL code, with real-time payment tracking, budget guardrails and a Partner Console for accountants handling several clients | Yes, AP aging reports, budget tracking and custom reports generated from a written request |
| Integrations and API | Yes, the Navan Expense API for expenses, custom fields and receipts, authenticated by OAuth 2.0 client credentials and supporting webhooks, plus a Booking API, a Custom Fields SFTP feed and an official MCP server for AI assistants | Yes, a public developer API with webhooks for spend data, spend controls, provisioning, vendor payouts and embedded virtual cards, plus an official MCP server |
| AI features | Yes | Yes |
| MCP-ready | Yes | Yes |
| Deployment | Cloud (SaaS), Browser-based | Cloud (SaaS), Browser-based |
| Support | Not stated | Phone |
| Onboarding | Documentation and knowledge base | Documentation and knowledge base |
| Company size | Small and mid-sized, Enterprise | Small and mid-sized, Enterprise |
| Integrations | more entries Oracle NetSuite, Sage Intacct, Xero, QuickBooks, Workday, ADP, BambooHR, Gusto, HiBob, Personio, Rippling, Okta, Slack, Google Calendar, Microsoft Outlook, Concur, Coupa, Expensify, Uber for Business, Lyft | NetSuite, QuickBooks, Xero, Sage Intacct, Workday, Oracle, ADP, Gusto, Paychex, BambooHR, Okta |
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Row where the values differ The small markers point at the lower number, the longer list or the stated feature. They describe the data, they are not a verdict.
The short version
Key Differences
- Starting price Navan Free up to 300 employees; Expense $15 / user / month Ramp Free; Plus from $15 / user / month
- API Navan Yes, the Navan Expense API with OAuth 2.0 and webhooks, a Booking API, and an official MCP server Ramp Yes, a public developer API with webhooks, plus an official MCP server at mcp.ramp.com
- Invoicing and quotes Navan No customer invoicing, accounts receivable or supplier invoice processing; the platform covers travel booking, employee expenses, corporate cards and reimbursements Ramp No customer invoicing or accounts receivable; the invoice handling covers incoming vendor bills only
- Bookkeeping and bank feeds Navan No general ledger of its own; auto-enriched transactions sync to Oracle NetSuite, QuickBooks, Xero, Sage Intacct and Campfire, or by custom CSV, SFTP or API Ramp No general ledger of its own; real-time two-way sync with NetSuite, QuickBooks, Xero, Sage Intacct, Workday and Oracle
- Expenses and receipts Navan Yes, this is the core alongside travel: Navan corporate cards, Navan Connect for existing Visa, Mastercard and American Express cards, personal-card reimbursement, automatic receipt and invoice matching, and policy checks at the point of spend Ramp Yes, corporate cards with per-card controls, automatic receipt capture and coding, policy enforcement and reimbursements
Every line is one datapoint from the table above, picked automatically. Nothing here is written text.
The trade-offs
Strengths and Limitations
Navan
Strengths
- Travel booking and expense management in one app, so a trip generates its own expenses
- Navan Business is free for companies with up to 300 employees, with no per-trip booking fee
- Navan Connect works with existing Visa, Mastercard and American Express cards, so the card programme need not be replaced
- Transactions arrive pre-coded to entity, subsidiary, region, department, cost centre and GL code
- Official MCP server and an Expense API with OAuth 2.0 and webhooks
- Partner Console lets an accounting firm manage several client accounts
Limitations
- No supplier invoice processing, accounts payable, customer invoicing or accounts receivable
- Not a general ledger; a separate accounting system is still needed
- The free plan stops at 300 employees, above which pricing is quoted
- Expense is only free for the first five users, then charged per user per month
- The public API covers expenses and booking rather than the whole platform
Ramp
Strengths
- Free plan with cards, expenses, accounts payable and accounting sync at no software cost
- Cards, expense management and bill pay in one system rather than three
- Real-time sync with NetSuite, QuickBooks, Xero, Sage Intacct, Workday and Oracle
- Public developer API with webhooks, and an official MCP server for AI assistants
- 1099 automation and filing included in Bill Pay
Limitations
- No customer invoicing or accounts receivable at all
- Not a general ledger; a separate accounting system is still needed
- Plus adds a platform fee based on team size on top of the per-user price
- Advanced ERP integrations, multi-entity support and audit logging need Plus or Enterprise
Plans
Pricing
Navan
- Navan Business Free For companies with up to 300 employees. Unlimited trips with no per-trip booking fee, global inventory and negotiated rates. Navan Expense is free for the first five users, then $15 per user per month.
- Navan Enterprise Not stated Priced on request. The full travel and expense suites for unlimited users, global coverage, negotiated rates, a dedicated account executive and customer success manager, and custom implementation.
Ramp
- Free Free Corporate cards, travel and expense, accounts payable, a business account, basic accounting rules and QuickBooks or Xero integration.
- Plus $15 / user / month plus a platform fee Platform fee based on team size, 20 percent off with annual billing. Adds automated expense review, auto-coding, batch payments, NetSuite and Sage Intacct integration, multi-entity support, custom roles, audit logging and 24/7 phone support.
- Enterprise Not stated Priced on request and billed annually. Adds Workday, Oracle and Dynamics integrations, locally funded reimbursements, card issuing in more than 30 countries, a dedicated account manager, custom implementation and ERP extensions.
What users say
Review Scores · opens after launch
Navan
- Ease of use
- Not rated yet
- User interface
- Not rated yet
- Onboarding
- Not rated yet
- Support and service
- Not rated yet
- Value for money
- Not rated yet
- Features
- Not rated yet
No reviews yet. Be the first to review this tool. Every review is checked for fairness before it appears, and the vendor cannot have one removed.
Ramp
- Ease of use
- Not rated yet
- User interface
- Not rated yet
- Onboarding
- Not rated yet
- Support and service
- Not rated yet
- Value for money
- Not rated yet
- Features
- Not rated yet
No reviews yet. Be the first to review this tool. Every review is checked for fairness before it appears, and the vendor cannot have one removed.
Where this comes from
Where this comes from
Navan https://navan.com · checked against the official source on 2026-09-08
Ramp https://ramp.com · checked against the official source on 2026-09-02
This table lists factual criteria taken from information the vendors publish themselves. For how we put it together, see the methodology.