PEX vs Navan

Companies often move from Navan when they need more control over all company spend, not just travel and entertainment expenses.

With built-in controls at the point of purchase, every transaction follows policy automatically. This helps finance teams prevent issues before they happen and reduces reliance on travel workflows, approvals, or post-spend review.

Book a demo to see PEX in action or start an application to get up and running.

PEX is a spend management platform built to control and track all company spending in real time. Navan is a travel and expense platform designed primarily for managing T&E.

With PEX, policies, receipts, and coding are embedded directly into each transaction. With Navan, spend is often tied to travel bookings and expense workflows, which can introduce additional steps outside of travel use cases.

Spending rules are applied directly to each card, allowing finance teams to set limits by merchant category, department, project, location, or time of day.

If a transaction falls outside of policy, it is declined at the point of purchase. This keeps spending within guidelines automatically and eliminates the need for approval queues or after-the-fact corrections.

Expenses are captured and processed automatically as transactions occur. Receipts are collected in real time, and transactions are categorized and coded without requiring employee submissions.

This reduces manual work and removes the need for separate expense workflows, especially for non-travel spend.

PEX keeps data clean and complete throughout the month. Transactions are coded, matched with receipts, and checked against policy in real time.

With fewer gaps and exceptions to resolve, reconciliation and month-end close are faster and more efficient.

Navan reduces the need for expense reports for travel, but non-travel expenses may still require submissions or follow-up.

With PEX, spend is captured, validated, and coded at the time of purchase, reducing the need for traditional expense reports across all spend types.

PEX offers transparent pricing with no per-user fees, so costs stay predictable as your team grows.

Pricing is based on your card program and usage. View pricing details or book a demo to find the right plan for your business.

PEX provides 24/7 support from real people, with tiered service options to meet different business needs.

From onboarding through ongoing operations, finance teams work with dedicated experts who understand spend management and accounting workflows.