Every business matters. Yours included.
Tired of being ignored after the sale? Zoho Expense gives you support that actually responds and treats every business like it matters.
Thousands of brands are choosing Zoho Expense over Navan
Reasons
To choose Zoho Expense
over Navan
Real expense reporting, minus the hassle
From auto-scanning receipts to policy checks and reimbursements, Zoho Expense automates it all so you can focus on growing your business.
Customization without the hassle
Easily tailor workflows, policies, and approvals to fit your business needs. No back and forth with support, just seamless customization at your fingertips.
Support that actually supports
Get quick and reliable assistance whenever you need it. No long wait times, no endless email threads, just expert help right when you need it.
Global ready from day one
Operate across borders with 150+ countries, 15+ editions, and 15 languages. Stay compliant with local regulations while managing expenses seamlessly in multiple regions.
Automatic mileage tracking
Log trips effortlessly with GPS powered mileage tracking. No more manual entries, just accurate real-time records for smooth reimbursements.
No business left behind
From startups to enterprises, every business gets the same powerful features. No minimum size requirement, no hidden costs, no barriers, just expense management that works for all.
Privacy and compliance without compromise
Zoho Expense is built to meet the highest privacy and compliance standards, including SOC 2, HIPAA, and Sunshine Act data support. With us, your data stays secure and audit ready; no shortcuts, no compromises.
Happy ratings = Happy customers
Compare features. Choose smarter.
See how Zoho Expense compares to Navan with a detailed feature breakdown. Find the best fit for your business needs.
Travel programs succeed when they balance employee convenience with company control. Navan covers self-booking and itineraries but charges extra for agent collaboration and lacks offline support like corporate travel desks or guest house management. Zoho Expense offers the complete setup with self-booking across flights, hotels, trains, and cabs, free agent collaboration, a built-in travel desk for offline requests, guest house management, and seamless integration with expense reports for full financial visibility.
| Features |  |  |
| Employee self booking | ||
| Travel agent collaborative chat | Paid | |
| Itinerary management - Flights, hotels, trains and cabs | ||
| Corporate travel desk ticketing tool | ||
| Guest house management | ||
| Reward points |
Modern expense management is more than capturing receipts. Zoho Expense covers it all with Autoscan in 15+ languages, auto capture receipts from ride apps, automated mileage tracking, and auto import per diem rates and rules. Navan misses these core capabilities, leaving finance teams with gaps in visibility and control.
| Features | | |
| Autoscan receipts | 15+ languages | |
| In-app languages | 15 | 7 |
| Mail add-ons | Gmail, Zoho Mail, Outlook | |
| Ride app receipt automation | Uber, Lyft, Bolt & Ola | |
| Split expenses - by amount, days & User | ||
| Per diem automation | ||
| Automated mileage tracking |
From categorization and user assignment to reconciliation, Zoho Expense automates every aspect of card management. It also goes a step further by automatically generating and submitting expense reports for all card transactions based on billing dates, giving finance teams complete visibility and flexibility across existing cards.
| Features | | |
| Corporate card management | ||
| Commercial card feeds (Amex, Mastercard, Visa and HSBC) | ||
| Credit card automation (Auto-categorisation, auto user assignment, auto matching expenses) | ||
| Automatic submission reminders | ||
| Card issuance |
From cash in hand to budgets in the system, Zoho Expense covers it all with multi-currency advances, petty cash management, real-time budget tracking, and shared budgets for complete oversight. Automatic alerts and approval blocks curb overspending early. Navan offers few budget features but lacks in advanced capabilities, leaving gaps in financial control.
| Features | | |
| Imprest/Petty cash management | ||
| Multi-currency advance | ||
| Budget | ||
| Budget threshold alerts and approval blocks | ||
| Budget sharing | ||
| Real-time budget tracking |
Approvals work best when they adapt to the way your business operates. Zoho Expense offers custom workflows with ad-hoc and parallel routing, along with category and dynamic limits to enforce policies effectively. Rule alerts and role-based controls provide real-time oversight without added cost. Navan covers the basics but charges extra for roles and lacks flexible approval routing workflows.
| Features | | |
| Adhoc and parallel approval routing | ||
| Custom approvals | ||
| Category limits | ||
| Dynamic limits | ||
| Rule alerts/exceptions | ||
| Travel admin role | Paid |
Zoho Expense combines automation with enterprise-grade customization. Finance teams can set user roles, views, layouts, and schedulers, extend workflows through webhooks and custom functions, and manage budgets and travel admins with ease. Navan offers report automation and alerts, but the lack of flexibility leaves finance teams working around the tool instead of shaping it to their needs.
| Features | | |
| Alerts(Email/In-app notifications) | ||
| Webhooks and custom functions | ||
| Expense report automation | ||
| Customization (User roles, views, page layout, modules, buttons, links, and schedulers) | ||
| Related lists |
Zoho Expense turns expense data into meaningful insight with advanced analytics and seamless integrations into finance and HR systems. Direct reimbursement partnerships with leading banks speed up paybacks, while productivity integrations keep employees in their flow. Finance leaders move from tracking spend to influencing it, something Navan’s basic setup cannot fully enable.
| Features | | |
| Analytics | Advanced | Basic |
| Accounting integrations | ||
| In-house/custom ERP and HRMS integrations | ||
| HRMS integrations | No third-party involved | Through third party (Merge) |
| Online direct reimbursement with ICICI, HSBC, and YES | ||
| Ride hailing apps integration | ||
| Productivity and Collaborations | Gsuite, Office 365, Slack | Slack |
As your business grows, protecting financial data is not optional; it is the foundation of trust. Zoho Expense is built with encryption, access controls, and one of the broadest sets of global certifications in the market, covering GDPR, HIPAA, and multiple ISO standards. With Zoho Expense, finance teams can manage spend confidently, knowing data stays secure, auditors stay satisfied, and regulators stay off their back.
| Features | | |
| SSL encryption | ||
| Multi-factor authentication | ||
| SSO | ||
| IP resctriction | ||
| GDPR | ||
| ISO/IEC 27001 | ||
| ISO/IEC 27701 | ||
| ISO/IEC 27017 | ||
| ISO/IEC 27018 | ||
| ISO 9001 | ||
| ISO/IEC 20000 | ||
| SOC 2 Type II | ||
| SOC 1 Type II | ||
| SOC 2 + HIPAA | ||
| CCPA | ||
| CSA STAR Self-Assessment | ||
| PCI | ||
| Physician Payments Sunshine Act Data Support |
Here's what Zoho Expense
brings to your business
Dedicated implementation support-
Fast, reliable assistance with no long wait times
-
Seamlessly connect with 45+ integrated business apps
-
Uncompromising security and compliance
-
Full control over customization, no support required
-
No hidden costs. No contracts.
90%
less time spent on T&E
50%
faster implementation
3x
faster expense approvals
95%
customer satisfaction
We let our customers speak for us!
Puma has been using Zoho Expense in Oceania for over three years, and our users have found the web and the phone apps to be feature-rich and always improving. We've recently expanded the usage of Zoho Expense to multiple new regions around the globe, and throughout, the team has been extremely supportive of the unique requirements of each region and helped to make the onboarding smooth.
Doing my expenses now takes me seven minutes, and they used to take me four hours a month.
The best thing about Zoho Expense is that we could find all the information about an expense report in one place. As a result, managers could review and process a report in a jiffy. If an employee submitted an erroneous expense, approvers could edit it themselves, avoiding the hassle of rejection and resubmission.
Disclaimer: All third-party product name(s), trademark(s), and logo(s) are the property of their respective owner(s) and are used here solely for identification and comparison purposes. Their use does not imply any affiliation, sponsorship, or endorsement. Features are drawn from publicly available information on each vendor's website(s) as on 01-03-2025, and the information is subject to change on those website(s) at any time without notice. The information contained in this webpage is for general information purposes only and should not be considered as authorized information from the vendors. Zoho makes no representations or warranties, express or implied, including, without limitation, warranties of accuracy, completeness, merchantability, or fitness for a particular purpose, and accepts no liability for any loss or damage arising from reliance on the information. Please contact us at mailto:legal@zohocorp.com if you believe any information is inaccurate or outdated.
