Navan vs SAP Concur
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) | Quote-based |
| Deployment | Cloud | Cloud |
| Company size | Mid-market, Enterprise | Mid-market, Enterprise |
| Stated ERP integrations | NetSuite, Sage Intacct, QuickBooks, Microsoft Dynamics 365 | SAP, NetSuite, Oracle Fusion Cloud, Microsoft Dynamics 365, QuickBooks |
| Vendor | Navan | SAP |
Our take
Where Navan leads
- Stronger evidenced coverage on 8 of the 26 capabilities where they differ (led by savings and spend-optimization insights and physical and virtual card issuance).
- Published pricing where the alternative quotes.
- Stated Sage Intacct integration the alternative doesn't list.
Where SAP Concur leads
- Stronger evidenced coverage on 18 of the 26 capabilities where they differ (led by configurable expense policy rules and fraud and anomaly detection).
- Stated SAP, Oracle Fusion Cloud integration the alternative doesn't list.
Where they differ
The 26 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 expense policy rules |
| Fraud and anomaly detectionPolicy, Compliance & Fraud Controls | Not evidenced | Core strength Fraud and duplicate detection via spend pattern analysis |
| Multi-level approval workflowsApproval Workflows | Not evidenced | Core strength Multi-level approval workflows |
| Configurable analytics and reportingBudgeting, Spend Visibility & Reporting | Not evidenced | Core strength Configurable analytics (Concur Intelligence) |
| Savings and spend-optimization insightsBudgeting, Spend Visibility & Reporting | Core strength Savings and negotiated-rate insights | Not evidenced |
| Third-party app marketplacePlatform, Administration & Integrations | Not evidenced | Core strength App Center marketplace with 900+ partners |
| Mobile app receipt captureExpense & Receipt Capture | Not evidenced | Supported Mobile receipt photo capture with OCR via ExpenseIt |
| Email-forwarded receipt captureExpense & Receipt Capture | Not evidenced | Supported Email-forwarded and e-receipt capture |
| Receipt itemizationExpense & Receipt Capture | Not evidenced | Supported Receipt itemization and categorization |
| Duplicate expense detectionExpense & Receipt Capture | Not evidenced | Supported Fraud and duplicate detection via spend pattern analysis |
| Physical and virtual card issuanceCorporate Card Management | Supported Navan-issued corporate cards. | Not evidenced |
| Per-card spend limits and merchant controlsCorporate Card Management | Supported Per-trip and category spend controls. | Not evidenced |
| Real-time spend controlsCorporate Card Management | Supported Real-time transaction capture | Not evidenced |
| Delegate and proxy approvalsApproval Workflows | Not evidenced | Supported Delegate and proxy approvals |
| 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 digitization |
| Purchase order / request matchingAccounts Payable / Invoice Management | Not evidenced | Supported Purchase request and PO matching |
| Invoice approval routingAccounts Payable / Invoice Management | Not evidenced | Supported Invoice approval routing |
| Vendor payment executionAccounts Payable / Invoice Management | Not evidenced | Supported Vendor and payment management |
| HRIS / payroll integrationPlatform, Administration & Integrations | Supported HRIS and SSO integrations | Not evidenced |
| Receipt OCR captureExpense & Receipt Capture | Supported Receipt capture and OCR | Core strength Mobile receipt photo capture with OCR via ExpenseIt |
| Card feed import and reconciliationCorporate Card Management | Core strength Automatic reconciliation of card transactions | Supported Corporate card feed import and matching |
| Out-of-policy flaggingPolicy, Compliance & Fraud Controls | Supported Policy enforcement and out-of-policy flagging | Core strength Out-of-policy flagging on submission |
| Duty-of-care traveler trackingTravel Management | Core strength Traveler duty-of-care tracking and alerts | Supported Duty-of-care and traveler tracking |
| Travel-to-expense linkageTravel Management | Core strength Automatic expense report generation from travel and card spend. | Supported Automatic linkage of travel spend to expense reports |
| Prebuilt ERP / accounting connectorsPlatform, Administration & Integrations | Supported ERP/accounting connectors for NetSuite, Sage Intacct, QuickBooks and Dynamics 365. | Core strength Prebuilt ERP, HR and card connectors |
Both grade identically on the other 21 capabilities — see each product's full profile: Navan, SAP Concur.
Navan vs SAP Concur — FAQs
Is Navan or SAP Concur better for ERP integration?
Both state integrations with NetSuite, QuickBooks, Microsoft Dynamics 365. Navan additionally lists Sage Intacct. SAP Concur additionally lists SAP, Oracle Fusion Cloud. Always verify the connector against your ERP version with a reference customer.
Which is cheaper, Navan or SAP Concur?
Navan publishes a starting rate ($15/user/mo); SAP Concur 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 SAP Concur should each cost you — and whether a third option belongs on your shortlist.