Both records verified
Ramp vs Navan
Navan began as a business travel platform, founded as TripActions, and added expense management; Ramp began as a corporate card and added expenses, bill pay and travel. Both run agents that code and review expenses against company policy. Navan's travel booking is free for companies of up to 300 employees and its expense product charges per active expensing user after the first five. This page compares what each documents about its AI, data terms, integrations and prices.
Ramp and Navan, field by field
5 differences in the record
Of 9 fields, 3 agree, 5 differ and 1 is an open item, where a vendor doesn’t say.
| Field | Ramp | Status | Navan |
|---|---|---|---|
| Area of work | AP & invoices | Differs | Spend & expenses |
| Built for | Small business, Mid-market | Differs | Small business, Mid-market, Enterprise |
| Ledger integrations | QuickBooks OnlineNetSuiteSage IntacctXeroMicrosoft Dynamics | Differs | NetSuiteSage IntacctXero |
| Pricing | Free plan; paid from $15 per user/month (Plus) | Differs | Free plan; paid from Free for the first 5 expensing users; $15 per user/month after |
| Free plan | Yes | Agrees | Yes |
| SOC 2 | Type II | Agrees | Type II |
| Trains on customer data | Unconfirmed | Open item | Unconfirmed |
| Human review | Configurable | Agrees | Configurable |
| Company | Privately held | Differs | Publicly traded, founded 2015 |
= agrees≠ differs? open item: at least one vendor doesn’t say
The differences, in plain words
- Ramp is built for small business and mid-market; Navan is built for small business, mid-market and enterprise.
- Ramp documents integrations with QuickBooks Online and Microsoft Dynamics that Navan doesn't list.
- Listed starting prices: Ramp from $15 per user/month (Plus); Navan from Free for the first 5 expensing users; $15 per user/month after. Plans and billing bases differ, so compare the plan you would actually buy.
- Both state that they hold a SOC 2 Type II report.
- Ramp is privately held; Navan is a public company.
What each does
Ramp
AP & invoicesRamp is a spend management platform that combines corporate cards, expenses, procurement, treasury and a Bill Pay accounts payable product. Bill Pay turns incoming invoices into draft bills, codes them, routes them for approval, checks for fraud and pays vendors by ACH, card, check or wire, with AI agents doing much of the intake and review.
What the AI does
- OCR reads invoice details and line items into draft bills
- Auto-coding agent fills GL category, department and location from the vendor's past bills and follows customer-written instructions (Ramp Plus)
- AP policy review agent (beta) checks bills against an editable AP Review Policy using contracts, purchase orders, budgets and supporting documents
- Fraud detection flags questionable vendors, unusual payment amounts and duplicate invoices before payment
- AP inbox automation (beta) creates draft bills from a connected Gmail inbox, and a card payment agent can pay eligible invoices with a virtual card
- Policy agent reviews expenses against the company's policy, approves compliant ones (admins can assign it as an approver) and flags the rest with a reference to the policy and an audit trail
Navan
Spend & expensesNavan 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
Choosing between Ramp and Navan
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: Ramp and Navan. More tools like these: expense and spend management software with ai.
Ramp vs Navan: questions
- Is Ramp better than Navan?
- Neither is better in general; they differ on the points listed on this page. Ramp is built for small business and mid-market; Navan is built for small business, mid-market and enterprise. 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 Ramp and Navan?
- Ramp is built for small business and mid-market; Navan is built for small business, mid-market and enterprise. Ramp documents integrations with QuickBooks Online and Microsoft Dynamics that Navan doesn't list. Listed starting prices: Ramp from $15 per user/month (Plus); Navan from Free for the first 5 expensing users; $15 per user/month after. Plans and billing bases differ, so compare the plan you would actually buy.
- What are other alternatives to Ramp and Navan?
- See the expense and spend management software with ai page for the full list, with the same fields for each tool.