Navan competitors: vendor pricing, Sep-Oct 2026
On a USD comparison basis, Expensify Collect leads the listed paid user rates at $5, followed by Emburse Spend Basic at $8 with a 15-user minimum. Confirm billing currency, tax, required scope and extra fees; Concur's report prices stay separate.
On the model’s USD comparison basis, Expensify Collect has the lowest listed paid entry rate among these Navan competitors: $5 per member per month, checked 28 September 2026.1 Emburse Spend Basic follows at $8 per user per month, checked 1 October 2026.2 Confirm unlabelled billing currencies in the quote. Free plans stay outside the paid-price order.
TL;DR
- A free plan may cover the required workflow: Brex Essentials includes travel booking and reimbursements; Ramp Free includes booking, travel policy and receipt matching.3,4
- Emburse Spend Basic has a 15-user billing minimum and supports US-based organisations only.2 Its rate needs both qualifications beside it.
- Ramp Plus adds a platform fee based on team size, so its per-user rate doesn’t describe the full subscription bill.4
- Emburse Professional’s product-specific pricing page lists no numeric rate; Brex Enterprise and Ramp Enterprise list custom pricing. Keep these products unranked.5,3,4
How this ranking was built
The ranking uses each vendor’s pricing page and one field: lowest listed paid plan price per user (or member) per month.1,2,3,4 Original valid prices are dated 28 September; Emburse Spend/Professional captures are dated 1 October and Concur Expense is dated 2 October.2,5,6 The model treats dollar-only prices as USD without conversion; that is not confirmation of each vendor’s billing currency. Tax inclusion is unconfirmed. Obtain those terms in the quote. The research methodology sets the evidence standard.
We assessed six competitor products, kept four paid user-rate entries and left Emburse Professional and Concur Expense unranked.1,2,3,4,5,6 Professional has no numeric tariff; Concur has per-report prices rather than per-user prices.5,6 Navan is the reference. Free tiers, account/report prices and negotiated quotes receive no user-price rank; Spend and Professional remain distinct products.
Which Navan competitors have the lowest listed paid rates?
Expensify Collect leads, followed by Emburse Spend Basic, Brex Premium and Ramp Plus, when ordered by the listed paid per-user or per-member rate.1,2,3,4 The ordering compares subscription rates only.
| Rank | Product and paid entry plan | Listed US$/user or member/month; tax status unstated | Billing or scope qualification | Checked date |
|---|---|---|---|---|
| 1 | Expensify Collect | 5 | Vendor unit: “per member/month”; annual-commitment and card-use discounts described separately.1 | 28 September 2026 |
| 2 | Emburse Spend Basic | 8 | “teams of up to 100 employees”; 15-user billing minimum; US-based organisations only.2 | 1 October 2026 |
| 3 | Brex Premium | 12 | Vendor unit: “user/month”; billing commitment not established by the captured plan text.3 | 28 September 2026 |
| 4 | Ramp Plus | 15 | “Platform fee based on team size”; “Save 20% with annual billing”.4 | 28 September 2026 |
The table preserves the displayed rates. We haven’t converted them to a common annual commitment or divided extra fees across an assumed team size.
What does each paid entry plan include?
Expensify Collect, Brex Premium and Ramp Plus list travel booking alongside expense features; Emburse Spend Basic’s entry-plan summary lists expense controls, card services, accounting connections and reimbursements.1,2,3,4 Choose the required workflow before treating the rate order as a shortlist.
| Paid entry plan | Travel scope stated in the pricing capture | Expense and control scope | Accounting and integration scope |
|---|---|---|---|
| Expensify Collect | Travel booking and rules; expense and travel approvals | Receipt scanning, reimbursements, corporate card management and expense/report chat | QuickBooks and Xero.1 |
| Emburse Spend Basic | Native travel booking not specified in the Basic inclusion summary | Card feed integration and issuance; 50 monthly ACH reimbursements; policies and approvals; SAML SSO and 2FA | QuickBooks, Xero and a custom export template.2 |
| Brex Premium | Essentials travel booking, plus group travel and advanced travel rules | Reimbursements and bill pay from Essentials; multiple expense policies, dynamic review chains and advanced approvals | Customisable ERP and HRIS integrations; multi-entity support.3 |
| Ramp Plus | Free-plan flight, hotel and car booking, plus 24/7 phone support for bookings | AI-driven expense reviews, policy insights and card locking when compliance requirements are unmet | NetSuite, Sage Intacct and other integrations; multi-entity support.4 |
Expensify’s more advanced Control plan adds multiple approval flows, custom expense rules, NetSuite and Sage Intacct integration, and SAML/SSO.1 It lists custom pricing “as low as $9 per active member/month”, so that floor is excluded from the fixed-rate ordering.1 Use the Expensify pricing comparison when that approval or integration scope is required.
Brex Premium adds policy and review complexity to Essentials.3 Ramp Plus adds automation and accounting scope to Free.4 Test the paid functions that prompted the upgrade: route an exception through approvals, export it to accounting and check the resulting audit record. For adjacent comparisons, use the spend management research.
Which competitors have free plans?
Expensify Submit, Brex Essentials and Ramp Free have permanent free plans in the 28 September 2026 pricing captures.1,3,4 Their inclusion lists differ, so free access needs a workflow check.
Expensify Submit lists receipt scanning, mileage tracking, expense reports, categories and tags, and personal card import.1 The vendor describes it as a plan for employees with no company approval needed; Collect adds business approval and travel functions.1
Brex Essentials includes travel booking, reimbursements, bill pay, accounting integrations and real-time reporting.3 Its scope includes up to two entities, with one global entity.3 Ramp Free lists unlimited cards, a custom travel policy, flight/hotel/car booking, receipt collection and matching, and QuickBooks Online/Xero integrations.4
Emburse Spend offers a 30-day trial.2 Include the trial expiry in the purchasing decision.
How does Navan’s own pricing compare?
Navan Business lists free travel for companies with up to 300 employees and makes Navan Expense free for the first five monthly expensing users.7 Its 28 September 2026 pricing FAQ then states US$15 per user per month.7 Compare travel access and expense-user billing separately.
Navan’s free travel scope includes global inventory, policy and approval workflows, self-service changes, travel support and reports.7 The expense scope includes reimbursements, connections to existing corporate or business cards, receipt scanning and ERP integrations.7
Navan defines an active expense user as someone who submits a transaction through manual entry or Navan Connect.7 Navan Enterprise uses a quote and adds implementation and account-support services.7 Use the Navan pricing breakdown to examine the baseline before switching.
Which products need a quote?
Brex Enterprise and Ramp Enterprise explicitly list custom pricing, while Emburse Professional’s pricing page, checked 1 October 2026, gives no numeric tariff and directs buyers to a demo.3,4,5 These entries have no numeric price rank.
| Product | Published pricing position | Scope described | Checked date |
|---|---|---|---|
| Brex Enterprise | Custom pricing | Premium scope plus unlimited US or global entities, a named account manager and customisable implementation.3 | 28 September 2026 |
| Ramp Enterprise | Custom pricing; annual billing | Plus scope plus locally funded reimbursements, local-currency card services, dedicated support and implementation.4 | 28 September 2026 |
| Emburse Professional | No numeric price on its product-specific page; demo enquiry | Expense management and implementation support; travel booking, AP automation and ACH services are described as available services.5 | 1 October 2026 |
Concur Expense’s product page, captured 2 October 2026, lists Base from USD 7 per report and Plus from USD 11 per report, with unlimited users. Premium is custom-priced; prices can vary with monthly commitment.6 Report rates stay outside the per-user ordering. Compare expected report volume and written commitment terms separately.
Emburse requires a product name in the comparison: Spend publishes Basic and Plus user prices, while Professional’s product-specific page supplies no numeric subscription rate. Both captures are dated 1 October 2026.2,5 Confirm which product and optional services the quote covers.
Why can the lowest rate produce a higher bill?
Glamdring Research treats a listed user rate as one part of the subscription bill: Emburse Spend imposes a minimum billable user count, and Ramp Plus adds a platform fee.2,4 Request the full bill for the same user population and required functions before choosing on price.
Emburse Spend counts anyone who submits an expense as a user.2 Approvers count only if they also submit expenses.2 Organisations with fewer than 15 users still pay for 15; the vendor’s Basic example gives a US$120 minimum from 15 users at US$8.2 Its subscription also accounts for the previous month’s user overages.2
The unit matters at Expensify too: Collect says “per member/month”, while Control’s custom-price floor says “per active member/month”.1 Navan uses monthly expensing users for its free expense allowance.7 Ask each vendor which people count, when usage is counted and whether a minimum applies.
Ramp’s team-size platform fee remains additional to the ranked user rate.4 The published annual discount is a separate commercial term.4 Keep the subscription commitment, minimum user count and any mandatory fee in the same written quote.
What the ranking cannot tell you
The Navan competitors ranking identifies the lowest listed paid rate within the captured product set. It cannot establish the cheapest complete deployment or the strongest travel service.
The inclusion lists differ, and the ranked rate omits Ramp’s additional platform fee and Emburse Spend’s minimum-user effect.1,2,3,4 Travel inventory quality, actual support performance and implementation effort need separate evaluation.
Prices published in a software directory also need a unit and an official check: a monthly starting price alone cannot establish a per-user ranking. The supplied Capterra comparison uses monthly starting-price labels across its product cards.8
The capture dates establish what the pages stated when checked. They do not establish that a tariff changed between September and October. Refresh the comparison when an included vendor changes its published rate or billing terms.
Frequently asked questions
Can Emburse Spend serve a company outside the United States?
No, according to its pricing FAQ checked 1 October 2026.2 Emburse Spend supports US-based organisations, operates in English and processes reimbursements within the United States.2 The statement applies to Spend; it does not describe every Emburse product.
Does Emburse Spend require a setup fee?
No mandatory setup or onboarding fee is listed for self-implementation in the 1 October 2026 FAQ.2 Emburse Spend includes an onboarding wizard and free weekly implementation calls.2 Guided implementation is an optional paid add-on.2
Does Navan charge more when employees book more trips?
Navan’s 28 September 2026 pricing FAQ says there is no trip-count limit for Navan Travel when the company has 300 or fewer employees.7 Expense billing follows the monthly expensing-user allowance, so additional trips and additional expense users need separate treatment.7
Sources checked
Company-owned pages establish what a company says. They do not prove a market conclusion. Each source is dated so readers can judge each claim.
