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Up to 3 solutions, scored on the same value metrics.

SSAP Concur

SAP Concur

4.0/5
NNavan

Navan, Inc.

4.7/5
ROI categorycost reductioncost reduction
Time-to-Value3-6 months (phased rollout) (~90d)2–4 weeks (~30d)
Typical annual TCO$0/yr$18,000/yr
Starting price$0/yr$0/yr
Implementation feeNoneNone
Seat tiersNot published; scoped to user volume and modules selectedNavan Business covers companies up to 300 employees with unlimited trips; 5 free expensing users, then per-user pricing. Enterprise includes unlimited travelers and expensing users.
Implementation friction4/52/5
Friction meter
Best forMid-size to large enterprises that want travel, expense, and invoice management on one platform; Multinationals handling multi-currency spend, VAT, and local tax rules across entities; Finance and AP teams that need policy enforcement and ERP-connected spend data; Organizations already running SAP ERP or SAP S/4HANAMid-market and enterprise finance teams consolidating travel booking, cards and expense into one system; Travel managers who need spend guardrails, duty-of-care visibility and 24/7 agent support; Companies up to 300 employees that want free travel booking with low-cost expense management; Global organizations needing ERP, HRIS and SSO integrations such as NetSuite, Workday and Okta
Not forSmall businesses looking for a low-cost, self-serve expense tool; Teams that need transparent public pricing before talking to sales; Companies expecting same-week deployment with no configuration or rollout plan; Buyers who want to avoid vendor-led implementation and administrator trainingTeams that need deep project or job-cost accounting out of the box; Buyers requiring on-premise or self-hosted deployment; Companies that only need standalone expense reporting and no travel booking; Organizations wanting published per-seat enterprise pricing without a sales cycle

Stack fit matrix

SalesforceNot supportedNot supported
AWSNot supportedNative
SnowflakeNot supportedNot supported
HubSpotNot supportedNot supported
Google WorkspaceNot supportedIntegration
Microsoft 365Not supportedIntegration
SAPIntegrationNot supported
SlackNot supportedIntegration
MCP (Model Context Protocol)Not supportedNot supported

Compliance

SOC 2
ISO 27001
GDPR
HIPAA
FedRAMP
ISO 42001
IAPP AIGPnamed staff

Company & support

Who is behind each solution, and how you reach support. “Not listed” means the vendor’s public pages don’t mention a channel, not that it is unavailable.

FoundedNot recorded2015 (11 yrs)
HeadquartersBellevue, USPalo Alto, US
PhoneNot listedNot listed
EmailNot listedNot listed
Live chatNot listedAll plans
Support portal / ticketsPlan not statedNot listed
Community forumNot listedNot listed
Help centre / docsAll plansAll plans
Dedicated account managerNot listedEnterprise only
In person / on-siteNot listedNot listed
Support hoursNot recorded24/7
Response timeNot statedNot stated

AI & MCP readiness

Whether each solution can join your AI stack, and what it asks of you to do so.

MCP connectionreaches AI clientsNot supportedNot supported
AI featuresAgentic workflows; Document processing; Predictive analyticsCopilot / assistant
Model keyNot recordedNot recorded
AI usage auditNot recordedNot recorded

Quadrant view

Where the 2 selected solutions land on the same value plane. Toggle axes to compare on cost, speed, friction, or buyer score.

Quadrant view

Typical annual cost × Time-to-value

$0/yr$5k/yr$9k/yr$14k/yr$19k/yr27d44d60d77d93dAnnual TCO ← betterDays to value ↑ betterQuick & CheapQuick & PriceySlow & CheapSlow & Pricey
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