Navan vs Ramp
expense management head-to-head for ERP teams: evidenced capabilities, published pricing, and which ERPs each actually integrates with.
| Starting price | From $15/user/mo (published) | Free tier available |
| Deployment | Cloud | Cloud |
| Company size | Mid-market, Enterprise | SMB, Mid-market, Enterprise |
| Stated ERP integrations | NetSuite, Sage Intacct, QuickBooks, Microsoft Dynamics 365 | NetSuite, Sage Intacct, QuickBooks, Microsoft Dynamics 365, Xero, Acumatica, Oracle Fusion Cloud, Workday |
| Vendor | Navan | Ramp |
Our take
Where Navan leads
- Stronger evidenced coverage on 9 of the 21 capabilities where they differ (led by integrated travel booking and duty-of-care traveler tracking).
- Published pricing where the alternative quotes.
Where Ramp leads
- Stronger evidenced coverage on 12 of the 21 capabilities where they differ (led by configurable expense policy rules and ai-driven policy review).
- Stated Xero, Acumatica, Oracle Fusion Cloud, Workday integration the alternative doesn't list.
Where they differ
The 21 capabilities (of 47 in the expense management taxonomy) where the evidence separates them, biggest gaps first. “Not evidenced” means our research found no public documentation of this capability — the vendor may still offer it. Confirm on a demo.
| Capability | ||
|---|---|---|
| Configurable expense policy rulesPolicy, Compliance & Fraud Controls | Not evidenced | Core strength Configurable spend policies by card, vendor, category, department |
| AI-driven policy reviewPolicy, Compliance & Fraud Controls | Not evidenced | Core strength AI Policy Agent that reviews and approves transactions against policy |
| Vendor payment executionAccounts Payable / Invoice Management | Not evidenced | Core strength ACH, check and card vendor payments |
| Integrated travel bookingTravel Management | Core strength Self-service flight, hotel, car and rail booking. | Not evidenced |
| Duty-of-care traveler trackingTravel Management | Core strength Traveler duty-of-care tracking and alerts | Not evidenced |
| Travel-to-expense linkageTravel Management | Core strength Automatic expense report generation from travel and card spend. | Not evidenced |
| Email-forwarded receipt captureExpense & Receipt Capture | Not evidenced | Supported Email-forwarded receipt capture |
| Audit trail and receipt verificationPolicy, Compliance & Fraud Controls | Supported Audit trails | Not evidenced |
| Multi-currency reimbursementReimbursement & Payouts | Not evidenced | Supported Multi-currency reimbursement support |
| Supplier invoice capture and OCRAccounts Payable / Invoice Management | Not evidenced | Supported Invoice capture and approval workflows |
| Invoice approval routingAccounts Payable / Invoice Management | Not evidenced | Supported Bill approval routing |
| Itinerary and trip-change managementTravel Management | Supported Itinerary management and changes | Not evidenced |
| Open APIPlatform, Administration & Integrations | Supported API access | Not evidenced |
| SSO and enterprise identity integrationPlatform, Administration & Integrations | Supported HRIS and SSO integrations | Not evidenced |
| HRIS / payroll integrationPlatform, Administration & Integrations | Supported HRIS and SSO integrations | Not evidenced |
| Physical and virtual card issuanceCorporate Card Management | Supported Navan-issued corporate cards. | Core strength Unlimited physical and virtual card issuance |
| Per-card spend limits and merchant controlsCorporate Card Management | Supported Per-trip and category spend controls. | Core strength Per-card spend limits and merchant/category restrictions |
| Real-time spend controlsCorporate Card Management | Supported Real-time transaction capture | Core strength Real-time spend controls enforced at the card level |
| Card feed import and reconciliationCorporate Card Management | Core strength Automatic reconciliation of card transactions | Supported Automated reconciliation of card spend |
| Real-time spend dashboardsBudgeting, Spend Visibility & Reporting | Supported Travel and expense spend dashboards | Core strength Spend dashboards and savings insights |
| Prebuilt ERP / accounting connectorsPlatform, Administration & Integrations | Supported ERP/accounting connectors for NetSuite, Sage Intacct, QuickBooks and Dynamics 365. | Core strength Prebuilt real-time sync connectors to NetSuite, Sage Intacct, QuickBooks, Dynamics 365 Business Central and Xero. |
Both grade identically on the other 26 capabilities — see each product's full profile: Navan, Ramp.
Navan vs Ramp — FAQs
Is Navan or Ramp better for ERP integration?
Both state integrations with NetSuite, Sage Intacct, QuickBooks, Microsoft Dynamics 365. Ramp additionally lists Xero, Acumatica, Oracle Fusion Cloud, Workday. Always verify the connector against your ERP version with a reference customer.
Which is cheaper, Navan or Ramp?
Navan publishes a starting rate ($15/user/mo); Ramp prices by quote, so a like-for-like number requires asking both.
Get pricing for both
Tell us your ERP, seat count and must-haves and we'll come back with an independent view of what Navan and Ramp should each cost you — and whether a third option belongs on your shortlist.