Updated July 2026 · By the ERP Research Editorial Team · Independent and vendor-neutral — no vendor pays for placement or ranking.
Expense management software for Dynamics 365 captures receipts, ingests corporate card transactions, enforces policy and posts coded expenses into Finance & Operations or Business Central. D365 Finance includes a native Expense Management module with mobile capture and card import; card-first spend platforms compete on real-time control, superior mobile experience and near-zero software cost.
| Product | Best for | Pricing | Deployment |
|---|---|---|---|
| SMB / Mid-market / Enterprise | Free tier available | Cloud | |
| SMB / Mid-market / Enterprise | Quote-based | Cloud | |
| Mid-market / Enterprise | $15/user/month (Business Expense) | Cloud | |
| Mid-market / Enterprise | Quote-based | Cloud | |
| SMB / Mid-market | From about £5-£8/user/month (Starter) | Cloud | |
| SMB / Mid-market / Enterprise | Free tier available | Cloud | |
| SMB / Mid-market / Enterprise | From about $12/user/month | Cloud | |
| Mid-market / Enterprise | Quote-based | Cloud | |
| SMB / Mid-market | Quote-based | Cloud | |
| SMB / Mid-market / Enterprise | Free tier available | Cloud |
Dynamics 365 Finance ships a real Expense Management module — mobile receipt capture, credit card transaction import and matching, policy rules, approval workflow and direct posting. F&O customers should test it against their own requirement before shopping, because it is included and removes an integration entirely.
Two things push organisations away from it. The first is user experience: the card-first platforms have set a standard for mobile capture and instant card notifications that native modules generally do not match, and expense tooling lives or dies on employee adoption. The second is Business Central, whose expense capability is materially thinner, making the third-party case much easier there.
Dynamics 365 Finance includes Expense Management with mobile receipt capture and OCR, corporate card transaction import and matching, configurable policy rules with violation flagging, per-diem handling, approval workflow, and direct posting to projects, cost centres and financial dimensions — no integration to build. Business Central handles expenses as purchase invoices or journals with far less structure. Third-party platforms differentiate on card issuing with pre-spend controls, real-time transaction feeds rather than batch imports, integrated travel booking, automated VAT reclaim on foreign spend, and mobile experiences that drive materially higher compliance.
NetSuite
Sage IntacctQuickBooks
Dynamics 365NetSuiteSage Intacct
OracleDynamics 365+1NetSuiteSage IntacctQuickBooksDynamics 365NetSuiteDynamics 365
SAPSageNetSuiteSageDynamics 365XeroNetSuiteSage IntacctQuickBooksDynamics 365+1SAPOracleNetSuiteDynamics 365SAPOracleNetSuiteDynamics 365NetSuiteSageDynamics 365XeroNetSuiteQuickBooksDynamics 365SageCustomer stories from the vendors compared above, summarised from their published case studies.
Energy · Global
Decentralized T&E processes spread across 40+ corporate card programs, limited visibility, high manual workloads, frustrated employees
Financial Services · United States · Enterprise
Runs with NetSuite15% travel cost reduction, 30 hours/month saved, 90%+ bill automation
Entertainment · Canada
Complex global operations with moving shows, manual processes, worldwide paper-based tracking
Healthcare · United States · Enterprise
Audits completed in days instead of months, 85-90% error reduction, real-time compliance, strategic capacity unlocked
Software & Technology · United States · Mid-Market
4x faster PO processing, eliminated rogue contracts, reduced software stack by 30%, 2x team capacity without headcount
Hotel, Restaurant & Leisure · United States · Enterprise
Runs with NetSuiteMonth-end close accelerated by 8 days, significant cost savings, improved visibility by location
Summarised from each vendor's published customer stories. Figures are the vendor's own claims, not independently verified by ERP Research. See all 27 SAP Concur case studies →
A vendor-neutral shortlisting guide to expense management: how the 10 systems we track compare on capability, what to check before you sign, and the questions that separate a good fit from an expensive one.
Expense Management Buyer's Guide
10 systems compared · 2026
ERP Research
Based on published per-user pricing from 3 expense management vendors in our catalogue. Enter your seat count for an annual range.
List the specific expense management outcomes you need — volumes, workflows, countries, systems in the loop — and rank them. Vendor demos are optimised to reframe your requirements around their strengths; a written list keeps the evaluation yours.
Every vendor here “integrates with Dynamics 365” — the differences are in depth. Ask each to demo the integration against a realistic Dynamics 365 configuration: your entity structure, your fields, your transaction volumes, and what happens when a sync fails.
Look for Microsoft AppSource listing / ISV certification and a current listing on Microsoft AppSource. Certification doesn't guarantee fit, but it confirms the vendor keeps pace with Dynamics 365 releases — uncertified integrations are where upgrade breakage concentrates.
Ask for two reference customers on Dynamics 365 at your size and in your industry, and ask them what broke in the first year. Implementation quality varies more than product quality in the expense management category.
Compare subscription plus implementation plus internal effort — not headline price. Dynamics 365 expense management pricing models differ (per user, per volume, per entity), so normalise every quote to your actual usage before comparing.
Test it seriously first — it handles capture, card matching, policy and posting with native financial dimension coding and no interface. The specialist case needs a concrete trigger: you want cards with controls enforced before the spend happens, you need integrated travel booking, VAT reclaim volume justifies automation, or employee adoption of the native mobile app has genuinely failed. That last one is a legitimate reason, not a soft one.
They earn interchange on card spend, so software is priced near zero or bundled. That is a real advantage if card spend dominates, but it shapes the product: these platforms want spend on their cards, and their reimbursement and mileage handling is often weaker as a result. If a significant share of your expenses is employee-funded and reclaimed, evaluate that flow specifically rather than assuming parity.
As expense reports, vendor invoices or journals carrying employee, cost centre, project and financial dimension coding — through Dataverse and OData for F&O, or the Business Central API. Test dimension fidelity if you bill expenses to clients or run project accounting: tools that summarise expenses into single journal lines destroy the detail project billing depends on, and the failure only surfaces at month-end.
This comparison currently covers 10 options that work with Dynamics 365, including Brex, Emburse, Navan. Each links to a detailed profile with features, integrations, pricing and alternatives, and the directory is updated as the market changes.
Most vendors here quote rather than publish. Tell us your Dynamics 365 version, seat count and must-haves and we'll come back with an independent view of what it should cost — and which options are worth quoting against each other.