The best Navan competitors and alternatives
Vergo: the top Navan alternative for coding every expense and invoice
Navan is built around business travel. Vergo is built to get every transaction, including vendor invoices, coded correctly into your ERP.
- Coding learned from your books. Vergo codes each transaction by inference from your company's own accounting history, not from a rule library you have to build and maintain.
- Expenses, reimbursements and AP in one model. Navan Expense covers travel and card spend; vendor invoice processing is not part of it. Vergo's AP automation captures, codes and approves invoices and posts them to your ERP, with the same coding model as card expenses and reimbursements.
- Any card, from any bank. Like Navan Connect, Vergo works with any Visa, Mastercard or Amex card, from any bank, with no card switch. Of the alternatives listed here, it is the only one that does: Ramp, Brex, BILL and Spendesk each run on their own cards.
- 376+ accounting systems. Vergo connects to hundreds of ERPs, with job, phase, cost code and cost type coding for Viewpoint Spectrum, Vista, Foundation, Sage 100 Contractor, Sage Intacct Construction and Acumatica. Card spend also syncs to PeopleSoft, JD Edwards, Business Central, Oracle E-Business Suite, Dynamics 365 Finance & Operations, SAP Business One, QuickBooks Online and Xero.
- Receipts by text. Employees text a photo of the receipt. No expense report to fill out.
Other Navan alternatives to consider
Ramp
Best for: Companies ready to switch to a new corporate card with AP, travel and procurement built in.
Ramp combines a Visa corporate charge card with expense management, reimbursements and Bill Pay, which also works standalone without Ramp cards. Its expense management is built into the Ramp card, and spend on other cards comes in only as employee reimbursements, so moving to Ramp usually means changing card programs as well as software.
Brex
Best for: Venture-backed startups through enterprises that want corporate cards, business banking and expense software from one provider.
Brex offers corporate cards with expense management built in, plus bill pay, travel and business accounts. Its expense workflow runs on Brex cards: spend on other cards enters only as reimbursements, and its card statement upload exists to move vendors onto Brex cards. Direct ERP syncs cover systems such as NetSuite, Sage Intacct, QuickBooks Online and Xero, with CSV export for others.
BILL Spend & Expense
Best for: Small and midsize businesses already paying vendors through BILL.
BILL Spend & Expense, formerly Divvy, pairs the BILL Divvy card with budgets, expense management and reimbursements, and sits alongside BILL's AP product. The spend software pairs directly with the Divvy card and cannot be used with other corporate cards, so it fits BILL payables customers ready to run their card program on Divvy.
Spendesk
Best for: European midsize companies, typically 50 to 250 employees, that want cards, invoices and procurement in one tool.
Spendesk combines physical and virtual Visa cards with expense management, invoice processing, procurement and budgets, with automatic categorization and AI bookkeeping suggestions. Integrations include Xero, NetSuite, QuickBooks (US), DATEV, Sage 100 and Business Central. Its spend workflow runs on Spendesk cards, so it suits companies ready to move their card program.
How the Navan alternatives compare
| Works with any card, from any bank | AI coding | Expense management | AP automation | Reimbursements | ERP integrations | |
|---|---|---|---|---|---|---|
| Vergo | Yes | Learned from your own accounting history | Yes | Yes (capture, code, approve, post to ERP) | Yes | 376+, incl. Vista, Spectrum, Foundation |
| Navan | Yes — existing Visa, Mastercard and Amex cards via Navan Connect | AI categorization | Yes | Not listed | Yes | NetSuite, Sage Intacct, QuickBooks Online, Xero, Datev |
| Ramp | No — Ramp Visa corporate card only | Yes | Yes | Yes (Bill Pay) | Yes | NetSuite, QuickBooks, Sage, Xero, Vista, Spectrum, CMiC and more |
| Brex | No — Brex card only | AI suggestions | Yes | Yes (bill pay) | Yes | 9 direct syncs on Essentials; CSV export for others |
| BILL Spend & Expense | No — BILL Divvy card only | Yes (BILL AI) | Yes | Yes (BILL AP) | Yes | QuickBooks Online, NetSuite, Xero, Sage Intacct, Dynamics |
| Spendesk | No — Spendesk cards only | Automatic categorization | Yes | Yes (invoices) | Yes | Xero, NetSuite, QuickBooks (US), DATEV, Sage 100, Business Central and more |
Switching from Navan to Vergo
Moving from Navan to Vergo puts card expenses, reimbursements and vendor invoices into one platform with one coding model. Your corporate card feeds move to Vergo, and invoices are captured, coded and approved in the same place before posting to your ERP. Teams that book travel through Navan can keep that booking tool while Vergo handles the coding.
You keep what already works. Your Visa, Mastercard and Amex cards stay in place, with no new card applications, credit checks or bank change. Your ERP stays the system of record: Vergo reads your chart of accounts, jobs and cost codes and posts coded transactions, reimbursements and approved invoices back to it.
What changes is the coding work. Vergo learns from your own accounting history, so transactions arrive coded the way your team already codes them, and employees submit receipts by text message instead of chasing an app. See how it connects on the existing cards page or browse Vergo integrations.
Frequently asked questions
What is the best alternative to Navan?
Vergo is the best Navan alternative for companies that want expenses, reimbursements and AP automation coded by one AI model on any card, from any bank. It connects to 376+ accounting systems.
Is there a Navan alternative that also handles vendor invoices?
Yes. Vergo captures, codes and approves vendor invoices and posts them to your ERP in the same platform as expenses and reimbursements. Ramp and BILL also offer bill pay, and Spendesk processes invoices.
What are Navan's main competitors?
Navan's main competitors include Vergo, Ramp, Brex, BILL Spend & Expense and Spendesk. Vergo is the pick for companies that want one coding model across expenses, reimbursements and vendor invoices.
Does Vergo work with my existing corporate cards like Navan Connect?
Yes. Vergo works with any Visa, Mastercard or Amex card, from any bank, so there is no card application or bank change.
Which Navan alternative is best for construction companies?
Vergo codes to job, phase, cost code and cost type and connects to Viewpoint Spectrum, Vista, Foundation, Sage 100 Contractor, Sage Intacct Construction and Acumatica, across expenses, reimbursements and invoices.
