# Navan vs Pleo

**Leader by Vioscale score:** Pleo

| Attribute | Navan | Pleo |
|---|---|---|
| **Vioscale score** | 49 (74% (medium)) | 57.7 (73% (medium)) |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | An integrated business application that consolidates travel booking, expense tracking and categorization, and corporate card management into one platform, with AI assistance for travel planning and real-time spend visibility. | Pleo streamlines business expense management by providing physical and virtual corporate cards with individual spending limits, automatic receipt capture, and real-time spend visibility. It eliminates manual expense reports and simplifies accounting by integrating with accounting software and automating approval workflows. |
| features.capabilities | `{"spend_controls":true,"travel_booking":"native","accounting_sync":"one_way","corporate_cards":"both","expense_reporting":true}` | `{"sso_scim":true,"ocr_capture":true,"procurement":"intake","multi_entity":true,"ap_automation":true,"funding_model":"hybrid","spend_controls":true,"travel_booking":"integration","accounting_sync":"two_way","corporate_cards":"both","expense_reporting":true,"international_payments":true}` |
| integrations.count | 1 | 11 |
| integrations.list | `[{"name":"Sherpa"}]` | `[{"name":"Xero"},{"name":"Exact Online"},{"name":"Fetch"},{"name":"TravelPerk"},{"name":"Perk"},{"name":"Gmail"},{"name":"Outlook"},{"name":"Microsoft 365"},{"name":"Apple Pay"},{"name":"Google Pay"},{"name":"Mastercard"}]` |
| market.availability | `{"primaryMarkets":["GB","US"],"availabilityScope":"regional","availableCountries":["FR","DE","NL","ES","GB","US"],"notAvailableCountries":[]}` | `{"hqCountry":"DK","primaryMarkets":["DK","GB","SE","DE","ES"],"availabilityScope":"regional","availableCountries":["DK","GB","SE","DE","ES","PT","FR","NL"],"notAvailableCountries":[]}` |
| platform.support | `{"web":true}` | `{"ios":true,"web":true,"android":true}` |
| pricing | `{"type":"hybrid","plans":[{"free":true,"name":"Navan Business","summary":"Free for travel (unlimited trips, up to 300 employees). Expense management: free for first 5 users, $15/user/month thereafter.","features":["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","30+ seamless HRIS integrations","Manage expenses and issue reimbursements","Connect corporate or business credit cards","Receipt scanning for expenses","Seamless ERP integrations"],"components":[{"kind":"fixed","amount":0,"period":"month","currency":"USD"},{"kind":"per_unit","unit":"expense_user","amount":15,"period":"month","currency":"USD"}],"description":"For companies up to 300 employees. Travel booking features free. Expense management free for first 5 monthly users.","contactSales":false,"includedLimits":{"max_employees":"300","unlimited_trips":"True","free_expense_users":"5"}},{"free":false,"name":"Navan Enterprise","summary":"Custom pricing. Contact sales for quote.","features":["Full suite of Navan Travel","Full suite of Navan Expense","Unlimited travelers and expensing users","Global program coverage","Designated Account Executive","Dedicated Customer Success Manager","Custom implementation","Corporate negotiated rates","Comprehensive back office capabilities","Enterprise-grade travel support"],"description":"For large-scale organizations. Includes everything in Navan Business plus dedicated support and implementation.","contactSales":true}],"summary":"Navan Travel free (powered by provider commissions). Expenses: free for first 5 users, then $15/user/month. Enterprise: custom pricing.","currency":"USD","freeTier":true,"sourceUrl":"https://navan.com","retrievedAt":"2026-08-01T14:58:36.601Z","billingPeriods":["month"]}` | `{"type":"subscription","plans":[{"free":false,"name":"Starter","summary":"€4/month (annual billing) + €5/user/month additional. Includes up to 3 users max.","features":["Physical and virtual cards","Accounts payable","Real-time expense tracking","Automated expense notes","Accounting integrations","Chat support","1 supplier card","Up to €5,000 credit limit"],"minSeats":1,"commitment":"annual","components":[{"kind":"fixed","amount":4,"period":"month","currency":"EUR"},{"kind":"per_unit","unit":"seat","amount":5,"period":"month","currency":"EUR"}],"description":"Basic expense tracking with physical and virtual cards","contactSales":false},{"free":false,"name":"Essential","summary":"€18/month (annual) or €20/month (monthly) + €11/user/month additional (annual)","features":["All Starter features","Reimbursements","Mileage tracking","AI expense guidance","Flexible card limits","Up to 25 supplier cards","Automated approval processes","Recurring supplier tracking","Up to €20,000 credit limit"],"minSeats":1,"commitment":"monthly","components":[{"kind":"fixed","amount":18,"period":"month","currency":"EUR"},{"kind":"per_unit","unit":"seat","amount":11,"period":"month","currency":"EUR"}],"description":"Comprehensive expense and payables management with reimbursements","contactSales":false},{"free":false,"name":"Advanced","summary":"€99/month (annual) or €109/month (monthly) for 3 users + €15/user/month additional (annual)","features":["All Essential features","Cashback (0.5% for qualifying users)","Advanced card controls","Up to 100 supplier cards","Budget management","HRIS integrations","Advanced approval workflows","Up to €250,000 credit limit"],"minSeats":3,"commitment":"monthly","components":[{"kind":"fixed","amount":99,"period":"month","currency":"EUR"},{"kind":"per_unit","unit":"seat","amount":15,"period":"month","currency":"EUR"}],"description":"Advanced spend controls with budgets and approval workflows","contactSales":false},{"free":false,"name":"Business","summary":"From €249/month (annual). Custom pricing and features.","features":["All Advanced features","Multi-entity management","Premium integrations","AI expense review","Advanced supplier management","Cash management","Spend insights and advice","Setup assistance","Up to €500,000 credit limit"],"commitment":"annual","components":[{"kind":"fixed","amount":249,"period":"month","currency":"EUR"}],"description":"Enterprise solution with multi-entity management and premium integrations","contactSales":true}],"addOns":[{"name":"External accountant access","components":[{"kind":"fixed","amount":12,"period":"month","currency":"EUR"}]}],"summary":"From €4/month (Starter annual). Monthly and annual billing available for most plans.","currency":"EUR","freeTier":false,"sourceUrl":"https://www.pleo.io/es/pricing","retrievedAt":"2026-08-14T10:24:02.850Z","startingPrice":{"amount":4,"period":"month","currency":"EUR"},"billingPeriods":["month","year"]}` |
| pricing.free_tier | yes | no |
| pricing.model | commercial | commercial |
| pricing.price_level | low | low |
| pricing.transparent | yes | yes |
| reliability.status_page | yes | yes |
| security.disclosure_policy | - | yes |
| security.gdpr | - | yes |
| security.pci | yes | yes |

## Capabilities (Expense & Procurement Software)

| Capability | Navan | Pleo |
|---|:--:|:--:|
| **Core** |  |  |
| Expense reporting | ✓ | ✓ |
| **Cards** |  |  |
| Corporate cards | Both | Both |
| Real-time spend controls | ✓ | ✓ |
| **Payables** |  |  |
| AP automation (bill capture + pay) | - | ✓ |
| Receipt / invoice OCR | - | ✓ |
| International payments (ACH/wire/FX) | - | ✓ |
| **Procurement** |  |  |
| Procurement | - | Intake |
| **Travel** |  |  |
| Travel booking | Native | Integration |
| **Integration** |  |  |
| Accounting sync | One-way | Two-way |
| SSO / SCIM | - | ✓ |
| **Commercial** |  |  |
| Funding model | - | Hybrid |
| Multi-entity / multi-currency | - | ✓ |
| **Platform** |  |  |
| API access | - | - |

*Source: Vioscale. Generated 2026-09-01T16:54:34.120Z. "-" = undocumented, not absent.*