Comparison

Navan vs Payhawk

No clear leader: Payhawk (51.8) and Navan (50.7) are within the 5-point margin; treat as a tie. The attribute-by-attribute breakdown below, with a source and date on every value, is the honest way to compare them.

Machine formatsMarkdownJSONGraphQLMarkdown is open. JSON and GraphQL need a free key.
Navan51
Payhawk52
Score
vioscaleAI score
Navan51 / 100medium · 71%
Payhawk52 / 100medium · 74%
Pricing
Free tier
Navan✓
Payhawk✗
Model
Payhawkquote
Price level
Navanlow
Payhawkhigh
Starting price
Navan–
Payhawk£149
Transparent
Navan✓
Payhawk✗
Integrations
Count
Navan6
Payhawk34
Security
Disclosure policy
Navan–
Payhawk✓
Gdpr
Navan–
Payhawk✓
Iso27001
Navan–
Payhawk✓
Pci
Navan✓
Payhawk✓
Soc2
Navan–
Payhawk✓
Reliability
Status page
Navan✓
Payhawk✓
Content
Faq
Navan6 items
Payhawk6 items

Capabilities

Feature-by-feature on the axes that matter for expense & procurement software. “-” means undocumented, not absent.

Core
Expense reporting
Navan✓
Payhawk✓
Cards
Corporate cards
NavanBoth
PayhawkBoth
Real-time spend controls
Navan✓
Payhawk✓
Payables
AP automation (bill capture + pay)
Navan-
Payhawk✓
Receipt / invoice OCR
Navan-
Payhawk✓
International payments (ACH/wire/FX)
Navan-
Payhawk✓
Procurement
Procurement
Navan-
PayhawkFull P2P
Travel
Travel booking
NavanNative
PayhawkNative
Integration
Accounting sync
NavanOne-way
PayhawkOne-way
SSO / SCIM
Navan-
Payhawk✓
Commercial
Funding model
Navan-
PayhawkSaaS fee
Multi-entity / multi-currency
Navan-
Payhawk✓
Platform
API access
Navan-
PayhawkFull

What each one is

The product in its own terms, so the numbers below have context.

Navan

A comprehensive solution that combines travel booking, expense reporting, and spending policy enforcement to help organizations control costs and simplify financial workflows.

Independently observed

Payhawk

A spend management platform that automates expense capture, invoice processing, travel booking, and payment workflows while providing real-time visibility through integrations with accounting and ERP systems across multiple entities and currencies.

Independently observed

Pricing

List pricing as published by each vendor, with the date we read it. Always verify at the source before you buy.

Navan

HybridFree tier

Navan Travel free (powered by provider commissions). Expenses: free for first 5 users, then $15/user/month. Enterprise: custom pricing.

  • Navan BusinessFree
    • Global travel inventory and exclusive rates
    • Unlimited policy and approval workflows
    • Self-serve changes and 24/7 travel support agents
    • Navan Rewards program
    • Customizable reports
    • +5 more
  • Navan EnterpriseContact sales
    • Full suite of Navan Travel
    • Full suite of Navan Expense
    • Unlimited travelers and expensing users
    • Global program coverage
    • Designated Account Executive
    • +5 more
as of verify ↗

Payhawk

from £149/moQuote-based7-day trial

From £149/mo (Growth); custom quotes for modular enterprise plans

  • Growth£149/mo
    • AI-native expense platform
    • Automated data extraction
    • Basic ERP integrations
    • Expense capture and coding
    • Real-time reconciliation
as of verify ↗

Platform & deployment

Where each product runs and how it can be hosted. A dash means undocumented, not unsupported.

Platforms
Web
Navan✓
Payhawk✓
Deployment
Cloud / SaaS
Navan✓
Payhawk✓

Integrations

What each product connects to. Counts come from the vendor's own integration directory where one exists.

In common (3)
  • NetSuite
  • QuickBooks Online
  • Xero

Navan

7 total - 4 not shared
  • Sherpa
  • Sage Intacct
  • Microsoft Dynamics
  • SAP
Independently observed

Payhawk

23 total - 20 not shared
  • Egencia
  • Slack
  • Microsoft Teams
  • Google
  • Peppol
  • SAP S/4HANA
  • Dynamics 365
  • Exact Online
  • Rillet
  • Campfire
  • Okta
  • Microsoft Entra
  • Google Workspace
  • TravelPerk
  • Deel
  • Paycor
  • Claude
  • ChatGPT
  • Odoo
  • DualEntry
Independently observed
Still deciding?

Navan or Payhawk: which one depends on you

A composite score cannot know your constraints. Describe them and both get re-weighted against what you actually need, with the evidence behind every position.

Free to run, no account needed to start. How the evaluation works

Comparison generated from independently-sourced facts. Every value links to its source and retrieval date. See the method.