Navan vs Payhawk
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 | NetSuite, SAP, Microsoft Dynamics 365, Sage Intacct, QuickBooks, Xero |
| Vendor | Navan | Payhawk |
Our take
Where Navan leads
- Stronger evidenced coverage on 10 of the 19 capabilities where they differ (led by card feed import and reconciliation and integrated travel booking).
- Published pricing where the alternative quotes.
Where Payhawk leads
- Stronger evidenced coverage on 9 of the 19 capabilities where they differ (led by multi-entity and international card issuance and supplier invoice capture and ocr).
- Stated SAP, Xero integration the alternative doesn't list.
Where they differ
The 19 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 | ||
|---|---|---|
| Card feed import and reconciliationCorporate Card Management | Core strength Automatic reconciliation of card transactions | Not evidenced |
| Multi-entity and international card issuanceCorporate Card Management | Not evidenced | Core strength Multi-entity management |
| Supplier invoice capture and OCRAccounts Payable / Invoice Management | Not evidenced | Core strength Invoice capture and OCR in many languages |
| 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 |
| Department / project budgetsBudgeting, Spend Visibility & Reporting | Not evidenced | Core strength Shared team budgets |
| Savings and spend-optimization insightsBudgeting, Spend Visibility & Reporting | Core strength Savings and negotiated-rate insights | Not evidenced |
| Configurable expense policy rulesPolicy, Compliance & Fraud Controls | Not evidenced | Supported Configurable spend policies and approval flows |
| Out-of-policy flaggingPolicy, Compliance & Fraud Controls | Supported Policy enforcement and out-of-policy flagging | Not evidenced |
| Audit trail and receipt verificationPolicy, Compliance & Fraud Controls | Supported Audit trails | Not evidenced |
| Vendor payment executionAccounts Payable / Invoice Management | Not evidenced | Supported Domestic and international vendor payments |
| Itinerary and trip-change managementTravel Management | Supported Itinerary management and changes | Not evidenced |
| Real-time budget enforcementBudgeting, Spend Visibility & Reporting | Not evidenced | Supported Real-time approval notifications to budget owners |
| Real-time spend dashboardsBudgeting, Spend Visibility & Reporting | Supported Travel and expense spend dashboards | 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 Physical, virtual and team cards (Visa) |
| Real-time spend controlsCorporate Card Management | Supported Real-time transaction capture | Core strength Real-time spend controls and limits |
| Prebuilt ERP / accounting connectorsPlatform, Administration & Integrations | Supported ERP/accounting connectors for NetSuite, Sage Intacct, QuickBooks and Dynamics 365. | Core strength ERP connectors (NetSuite, Microsoft Dynamics, SAP, Sage) |
Both grade identically on the other 28 capabilities — see each product's full profile: Navan, Payhawk.
Navan vs Payhawk — FAQs
Is Navan or Payhawk better for ERP integration?
Both state integrations with NetSuite, Sage Intacct, QuickBooks, Microsoft Dynamics 365. Payhawk additionally lists SAP, Xero. Always verify the connector against your ERP version with a reference customer.
Which is cheaper, Navan or Payhawk?
Navan publishes a starting rate ($15/user/mo); Payhawk 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 Payhawk should each cost you — and whether a third option belongs on your shortlist.