5 Navan Alternatives For Startups in 2025

Navan is a corporate travel and expense management platform that simplifies business travel and expense processes, providing visibility, control, and savings for companies.

However, Navan doesn’t fit all companies’ needs, and some businesses find it lacking in essential features or flexibility. If you’re looking for a better fit, we’ve rounded up five top alternatives—Rho, Expensify, Fyle, Center, Tipalti—each offering unique advantages to meet different business requirements.

5 Alternatives to Navan

1) Overall Pick: Rho

At Rho, we are dedicated to providing a seamless business banking and spend management experience. Our platform is designed to support founders and finance teams, helping them manage cash flow and automate financial operations efficiently.

Rho Key Features

• Rho Platinum: Provides up to 2% cashback¹ on transactions made using Rho's banking and card services.
• AP Automation: Enables businesses to pay multiple vendors quickly and efficiently without incurring platform fees.
• Expense Management: Simplifies the process of managing expenses by eliminating the need for traditional expense reports and ensuring all receipts are captured.
• Rho Treasury: Allows businesses to earn a yield on their idle cash, with rates dynamically adjusted based on market conditions.
• Virtual Cards: Allows the creation of virtual cards for specific purposes, enhancing control over spending.
• Customer Support: Provides timely and effective customer service to address user issues and feedback.
• Full-Stack Finance Platform: Designed to sync with accounting software, Rho provides a comprehensive financial management solution that enhances workflow efficiency, control, and visibility.

Unlike Navan, which focuses primarily on travel and expense management, Rho offers a more comprehensive financial platform that includes banking, AP automation, and treasury management, making it a versatile choice for businesses looking to streamline their financial operations.

Rho Pricing

We offer a straightforward and transparent pricing structure designed to help businesses save money and reinvest in their growth. Many of our essential services are free to use, making it easy to manage your finances without worrying about hidden costs.

Here’s a breakdown of our pricing:

• $0 Same-Day ACH fees: No fees for same-day ACH transactions.
• $0 Wire fees: No fees for wire transfers, with some exceptions for international wires.
• $0 Monthly plans: No monthly subscription fees for accessing Rho's services.
• $0 Support fees: Free live support from day one.
• $0 Subscription fees: No subscription fees for using Rho's platform.
• $0 Checking account minimum fees: No minimum balance fees for checking accounts.
• $0 Connected, in-platform capabilities: Free access to AP, Expense, and Accounting Automation features.
• $0 Per-user fees: No fees per user.
• 1% Foreign currency transfer: A 1% fee on foreign currency transfers.

You can find all the details about our pricing here.

Why Users Prefer Rho

Don’t just take our word for it—hear directly from Rho’s customers. Here’s what real users have to say about why they prefer Rho over other solutions:

• "Rho is everything a corporate card program should be - And it's free to the users and employers!" - Easy implementation, seamless sync with Quickbooks Online, saving 60 hours per month for the finance department.
• "Best banking for an early-stage startup" - Allows a single person to manage the entire company's finances quickly, supportive with best practices for running startup finances.
• "From day one, using Rho has been simple and straightforward." - Text and email reminders for expense tracking, making it easier to stay on top of accounting tasks.

Want a firsthand look at Rho? You can request a free demo here.

Source: Rho Reviews & Product Details

2) Expensify

Expensify is a platform designed to manage company spend, offering tools for expense management, travel booking, corporate cards, spend management, expense reports, bill pay, receipt scanning, invoicing, personal payments, global reimbursements, virtual cards, and financial chat. It connects directly to accounting, HR, payroll, and travel software, providing real-time visibility and control over business expenses.

Expensify Key Features

Expensify offers a range of features designed to streamline company spend management, from expense reporting to global reimbursements.

• Expensify Card: A corporate card that offers cash back on every US purchase.
• Global Reimbursements: Ability to reimburse employees in different currencies.
• Unlimited Virtual Cards: Virtual cards for making purchases without a physical card.
• Expensify Chat: A chat feature for financial conversations with colleagues, clients, and friends.
• Automated Expense Reporting: Automation of expense reports and next-day reimbursements.

Expensify Pricing

Expensify's pricing is structured around different financial platforms and their integration capabilities.

• QuickBooks Online: Export transactions to credit/debit card accounts.
• NetSuite: Export transactions to payable accounts/vendors.
• Xero: Export transactions to bank accounts.
• Sage Intacct: Export transactions to credit card accounts/vendors.
• QuickBooks Desktop: Export transactions to credit card accounts.

Drawbacks To Expensify

General user reviews of Expensify highlight its ease of use and convenience for managing expenses, but some users are dissatisfied with the pricing and customer support.

• "The initial setup was a bit frustrating, but once it was set up, I'm glad I kept with it. This app makes my life so much easier." - Edwin C.
• "It did eventually get the job done for us for a period of time, although it was expensive and the support was absolutely terrible." - Jimmy M.

Source: Expensify Reviews on G2

3) Fyle

Fyle is an AI-powered expense management software designed to optimize expense tracking with automation, real-time spend tracking, and hassle-free receipt capture via text messages. It integrates with existing credit cards and accounting software to streamline the expense management process, aiming to reduce manual effort, improve compliance, and provide real-time visibility into employee spending.

Fyle Key Features

Fyle offers a range of features designed to simplify and automate expense management for businesses. Here are some of the most notable:

• Text Message Receipt Tracking: Allows users to submit receipts via text messages, leveraging OCR to extract data automatically.
• Real-Time Expense Tracking: Provides real-time visibility into employee expenses as soon as they swipe their credit cards.
• AI-Powered Expense Coding: Uses AI to code expenses according to GL, reducing manual effort and follow-ups.
• Automated Credit Card Reconciliation: Matches receipts to transactions automatically, saving time on manual reconciliation.
• Comprehensive Integrations: Syncs with popular accounting software like QuickBooks, NetSuite, Sage Intacct, and more.

These features collectively aim to reduce manual effort, improve accuracy, and provide real-time visibility into company expenses.

Fyle Pricing

Fyle bills based on active users who create at least one expense or have a corporate card with transactions.

• Growth: Unlimited expense tracking and real-time card feeds.
• Business: All Growth benefits plus multi-org approvals and advanced analytics.
• Enterprise: All Business benefits plus IP whitelisting and dedicated account management.
• Usage-led pricing: Charges only for active users.
• Discounts: Available for non-profits and educational institutions.

Drawbacks To Fyle

General user reviews of Fyle highlight its ease of use and real-time tracking, but some users report issues with receipt management and occasional glitches.

• "Fyle is very user-friendly and has a quick response time to fix problems that occur." - Allison N.
• "The integration with text messaging, Slack, email, and Google Calendar makes it seamless, but receipt management can be frustrating." - Verified User (Mid-Market)

Source: Fyle Reviews on G2

4) Center

Center is a real-time expense management solution that integrates a corporate card with expense management functionalities to streamline employee spend, save time on month-end close, boost compliance, and provide insights for data-driven decision-making. It captures spend as it happens, automates the expense process, manages travel and expenses in one place, and offers analytical tools to identify spending patterns and trends.

Center Key Features

Here are some of the most notable features of Center:

• CenterCard® Mastercard®: A corporate card that captures spend as it happens and automates the expense process from start to finish.
• Real-Time Visibility: Provides real-time data on employee spend, including off-platform spend, with dynamic policy controls to drive the right behaviors.
• Automated Expense Processing: Automates expense processing to speed up month-end close, reducing time spent on coding, posting, and reconciliation.
• Integrated Travel Management: Manages travel and expenses in one place, offering visibility and control over all travel bookings, including off-platform bookings.
• Actionable Insights: Offers real-time data to keep budgets on track and enables better, data-driven decision-making by identifying patterns, monitoring trends, and spotting outliers.

Center Pricing

Center's overall pricing approach involves no upfront investment, no licensing fees, and a flat fee per trip for corporate travel.

• Corporate Card Program: Use CenterCard with Mastercard, including virtual cards.
• Travel Booking: Flat fee per trip, unlimited itinerary changes, 24/7 support.

Drawbacks To Center

General user reviews of Center highlight its real-time expense tracking and ease of use, but some users have noted issues with limited reporting options and manual setup requirements.

• "The real-time tracking is excellent, but the reporting options are quite limited, which can be frustrating." - Eric L.
• "While the platform is user-friendly, setting up cost centers and approval rules manually is time-consuming." - Rachel C.

Source: Center Reviews 2025: Details, Pricing, & Features | G2

5) Tipalti

Tipalti is a finance automation company that provides a connected suite of products designed to streamline and automate accounts payable, global payments, procurement, and employee expenses. Their solutions aim to improve visibility, control, and efficiency in financial operations.

Tipalti Key Features

• AI-Driven Capabilities: Utilizes AI for predictive analytics, insights, and making processes smarter and more efficient.
• Global Payment Management: Supports cross-border payments to 196 countries in 120 currencies via 50+ payment methods.
• Comprehensive Compliance: Multi-jurisdictional tax compliance, built-in payment protections, and enterprise-grade controls and security.
• Connected Suite: A unified global platform to manage spend, onboarding, invoice management, payments, and reconciliation.
• Pre-built Integrations: Seamless integration with various ERPs, accounting systems, and other platforms.

Tipalti Pricing

Tipalti's pricing model is designed to grow with your company, offering seamless upgrades to more advanced capabilities as your business becomes more complex.

• Starter: Supplier portal, W9/W8 collection, AI invoice processing, ERP integrations.
• Premium: All Starter features, procurement features, PO matching, global infrastructure.
• Elite: All Premium features, customizable procurement, advanced approval rules, budget management.
• Accelerate: Payee onboarding, W9/W8 collection, 50+ payment methods, global infrastructure.
• Plus: All Accelerate features, fraud monitoring, self-billing, developer hub access.

Drawbacks To Tipalti

General user reviews of Tipalti highlight its automation capabilities and ease of use, but some users report issues with payment processing and missing features.

• "The automation is great, but we occasionally face issues with payment processing and missing features." - Mahendra M.
• "While the platform is efficient, the system speed can be slow, which is frustrating." - Brian K.

Source: Tipalti Reviews 2025: Details, Pricing, & Features | G2

How to select the right Navan alternative?

Tips for Selecting the Right Navan Alternative:

• Evaluate your company's specific needs and identify which features are most critical for your operations.
• Consider the ease of integration with your existing accounting and financial software to ensure a seamless transition.
• Look for platforms that offer comprehensive financial management solutions, like Rho, which can streamline multiple financial tasks.
• Assess the pricing structure to ensure it aligns with your budget and offers good value for the services provided.
• Read user reviews and testimonials to gauge real-world performance and customer satisfaction.
• Check for robust customer support and service options to ensure you have help when you need it.
• Think about the scalability of the platform to ensure it can grow with your business, much like Rho's versatile offerings.

Getting started with the best Navan alternative

Choosing the right financial management platform is crucial for your business's success. While all the alternatives to Navan offer unique benefits, we believe Rho stands out for its comprehensive suite of services, from business banking to AP automation and treasury management.

If you're ready to streamline your financial operations and experience the benefits firsthand, we encourage you to request a demo today. Discover how Rho can help your business thrive.