Navan

Navan, formerly TripActions, combines business travel booking with expense management. Employees book flights, hotels, cars and rail inside policy. Travel spend flows into expense reports automatically, and receipts for other purchases are matched to card transactions. AI categorizes spend and flags anything out of policy. Companies can use the Navan corporate card or keep their existing Visa, Mastercard or Amex cards through Navan Connect. Navan says about 75 percent of transactions are auto-approved, though that is its own figure. Navan suits companies whose spending is driven by travel. Small and mid-sized firms benefit most, because the Navan Business plan is free for companies of up to 300 employees. Travel on that plan is funded by supplier commissions. Expense is free for the first five monthly expensing users and costs 15 USD per user per month after that. Navan Enterprise is quote-based and adds unlimited users, custom implementation, negotiated rates and a dedicated account team. Navan connects to more than 30 HRIS systems and to most ERPs, and it holds SOC 1 Type 2, SOC 2 Type 2, ISO 27001 and PCI DSS Level 1 credentials. The main limitation is that Navan is travel-first. Its controls work best when bookings go through the platform. Reviewers say teams that only need expense management, or European teams that need VAT-ready invoicing and multi-entity controls, may find standalone spend tools a better fit. Navan is not an accounting system. It has no general ledger, invoicing or payroll, and it exports to an ERP.