AI Accounting Vendors

Both records verified

Navan vs Concur

SAP Concur and Navan both combine business travel booking with expense management. Concur Expense publishes per-report prices for its Base and Plus editions, while Navan prices its expense product per active expensing user. Both describe AI agents that read receipts, fill in expense details and check expenses against policy. This page compares what each documents about that AI, its data terms, its integrations and its prices.

Records compared: Navan and SAP Concur.

Neither vendor reviewed this page.How we verifySwap in another toolEmbed this comparison

4 differences in the record

Of 9 fields, 3 agree, 4 differ and 2 are open items, where a vendor doesn’t say.

FieldNavanSAP Concur
Area of workSpend & expensesSpend & expenses
Built forSmall business, Mid-market, EnterpriseSmall business, Mid-market, Enterprise
Ledger integrationsNetSuiteSage IntacctXeroNetSuiteXero
PricingFree plan; paid from Free for the first 5 expensing users; $15 per user/month afterFrom $7 per report (Concur Expense Base)
Free planYesNo
SOC 2Type IIType II
Trains on customer dataUnconfirmedUnconfirmed
Human reviewConfigurableUnconfirmed
CompanyPublicly traded, founded 2015Part of SAP

agrees differs open item: at least one vendor doesn’t say

The differences, in plain words

  • Navan documents an integration with Sage Intacct that SAP Concur doesn't list.
  • Listed starting prices: Navan from Free for the first 5 expensing users; $15 per user/month after; SAP Concur from $7 per report (Concur Expense Base). Plans and billing bases differ, so compare the plan you would actually buy.
  • Navan lists a free plan; SAP Concur doesn't.
  • Both state that they hold a SOC 2 Type II report.
  • Review: Navan is recorded as configurable; SAP Concur as unconfirmed.
  • Navan is a public company; SAP Concur is part of SAP.

What each does

Navan

Spend & expenses

Navan is a business travel and expense platform: travel booking, corporate cards, expense reports and reimbursements in one app. Its expense agents fill in descriptions, categories and GL codes from card data and trip details, audit expenses against configurable rules, and reconcile receipts, payments and bookings. Founded in 2015 as TripActions.

What the AI does

  • Expense Agent fills in descriptions, categories and codes from card data and trip details, or from receipts dropped into Expense Chat
  • Expense Chat (US) extracts receipt data, auto-codes it, asks for missing details and lets travelers refine entries in plain language before it submits them
  • Audit Agent checks each expense against 45+ configurable audit rules, clears compliant spend and leaves exceptions for review
  • Reconciliation Agent links receipts, payments and bookings, and AI auto-coding maps transactions to GL codes
  • Ava, an AI travel agent, answers policy questions and handles disruptions, with human travel agents for complex cases

Full Navan listing, with sources

SAP Concur

Spend & expenses

SAP Concur sells Concur Expense, Concur Travel and Concur Invoice, SAP's travel, expense and invoice management products. Its AI agents read receipts and infer missing data, validate expense reports against policy, let admins write audit rules in natural language and book policy-compliant trips, with Joule, SAP's assistant, embedded across the products.

What the AI does

  • Receipt Analysis Agent extracts receipt data and infers missing fields to create complete expense entries
  • Expense Report Validation Agent reviews expense reports for accuracy and policy compliance before approval
  • Audit Rule Configuration lets admins create, manage and refine expense audit rules in natural language
  • Expense Automation Agent creates expense reports, and Policy Navigator retrieves and explains travel and expense policy
  • Joule, SAP's AI assistant, searches, creates and updates expense reports, allocations and itemizations in natural language and books trips through Booking Agent

Full SAP Concur listing, with sources

Choosing between Navan and SAP Concur

Start with what you already run. If one documents an integration with your ledger and the other doesn’t, that usually settles it. Then compare the data-safety fields: ask whichever vendor shows unconfirmed for SOC 2 or training on customer data to put its answer in writing. Pricing is the last step, because published starting prices rarely match the plan a growing team ends up on.

Full listings: Navan and SAP Concur. More tools like these: expense and spend management software with ai.

Navan vs Concur: questions

Is Navan better than Concur?
Neither is better in general; they differ on the points listed on this page. Navan documents an integration with Sage Intacct that SAP Concur doesn't list. Start from your ledger, your customers and your data requirements, then ask both vendors to confirm the fields marked unconfirmed in writing.
What is the difference between Navan and Concur?
Navan documents an integration with Sage Intacct that SAP Concur doesn't list. Listed starting prices: Navan from Free for the first 5 expensing users; $15 per user/month after; SAP Concur from $7 per report (Concur Expense Base). Plans and billing bases differ, so compare the plan you would actually buy. Navan lists a free plan; SAP Concur doesn't.
What are other alternatives to Navan and Concur?
See the expense and spend management software with ai page for the full list, with the same fields for each tool.