Softwr

Accounting & Finance · head to head

Adyen vs Navan

Adyen logo

Adyen

Accounting & Finance

The payments platform built for growth

From
$29/month
Rated
-
Full reviewWebsite
Navan logo

Navan

Accounting & Finance

AI-powered corporate travel and expense management with integrated corporate card

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Navan has a free tier, so it costs nothing to try first.
  • Each has a real cost: Adyen there is a minimum monthly invoice, set by industry and business model and only disclosed through the sales team, so small volumes are not economic; Navan enterprise pricing requires quote request; no transparency on true per-user or per-transaction costs

Where they differ

Only the attributes on which Adyen and Navan actually diverge.

Attributes where Adyen and Navan differ
AttributeAdyenNavan
Starting price$29/monthFree
Pricing modelusage-basedfreemium
Free tierNoYes
PlatformsWeb, Api, PosWeb, iOS, Android, API
Founded2006Unknown

Identical on both: user rating (Not yet rated), category (Accounting & Finance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Adyen

  • Payment processing
  • Risk management
  • Unified commerce
  • Issuing
  • Platform payments
  • SAP
  • Salesforce
  • Oracle

Only in Navan

Nothing recorded that Adyen does not also cover.

What people use each for

The jobs each tool is most often brought in to do.

Adyen

  • Card acquiring with interchange plus pricing for larger merchantsnot Navan
  • Accepting local payment methods across multiple countriesnot Navan
  • Settling in several currencies through linked bank accountsnot Navan
  • Unified online and in-person paymentsnot Navan

Navan

  • Mid-market and enterprise companies automating travel and expense workflowsnot Adyen
  • Organisations seeking to reduce travel costs through policy enforcement and AI-driven discountsnot Adyen
  • Teams utilising corporate card programmes for spend tracking without receipt capture overheadnot Adyen
  • Global enterprises requiring multi-currency support and ERP integrationnot Adyen
  • Companies where employee autonomy is prioritised; AI assistant enables self-service booking and policy compliancenot Adyen

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Adyen

  • There is a minimum monthly invoice, set by industry and business model and only disclosed through the sales team, so small volumes are not economic
  • Published fees are indicative rather than a rate card, with real pricing negotiated
  • Interchange++ means the card cost varies per transaction rather than being a single predictable percentage
  • Alternative payment methods carry their own rates on top, such as 3.3 percent plus $0.10 for American Express in North America

Navan

  • Enterprise pricing requires quote request; no transparency on true per-user or per-transaction costs
  • Expense management charges apply beyond 5 users, increasing per-user costs for larger teams
  • Corporate card programmes (Navan Card, Connect) complicate adoption by requiring banking integration
  • AI assistant (Navan Edge) lacks transparency on data handling; unclear whether conversation data is retained for model training
  • Limited EMEA coverage; emerging market travel inventory less comprehensive than global GDS systems

Pricing, plan by plan

Adyen

$29/month
  • CustomFree
    • Payment processing
    • Risk management
    • Unified commerce

Navan

Free
  • Navan BusinessFree
    • Unlimited flight, hotel, train, rental car bookings
    • Global inventory across 178+ countries
    • 24/7 travel support
  • Navan Business (Expense add-on)$15/month
    • Additional expense management users (beyond 5 free)
    • Receipt scanning and categorisation
    • ERP integration (30+ connectors)
  • Navan EnterpriseFree
    • Custom pricing
    • Dedicated account management
    • Negotiated corporate rates

Which should you pick?

Choose Adyen if

  • You need payment processing.
  • You work on Web, Api, Pos.
  • You also want risk management.
Adyen review

Choose Navan if

  • You want to start without paying.
  • You work on Web, iOS, Android, API.
Navan review

Questions people ask

Is Adyen or Navan better?
Neither clearly leads. Adyen starts at $29/month and Navan at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Navan?
Navan has a free tier; the other does not. Paid plans start at $29/month for Adyen and Free for Navan.
Does Adyen or Navan run on more platforms?
Adyen runs on Web, Api, Pos. Navan runs on Web, iOS, Android, API.
Can I use Navan for free?
Yes. Navan has a free tier, so you can try it without paying. Adyen starts at $29/month.
What is Adyen best used for?
Adyen is most often used for card acquiring with interchange plus pricing for larger merchants, accepting local payment methods across multiple countries, settling in several currencies through linked bank accounts, unified online and in-person payments. Of those, card acquiring with interchange plus pricing for larger merchants and accepting local payment methods across multiple countries are not what Navan is typically brought in for.
What can Adyen do that Navan cannot?
Adyen covers Payment processing, Risk management, Unified commerce, Issuing.

Answered from the vendors’ own pages

Navan: Is Navan's travel booking free?

Yes. Navan Business travel bookings are free, supported by supplier commissions. Expense management is free for the first 5 users monthly; additional users cost £15/month each.

Source
Navan: What is Navan Edge?

Navan Edge is an AI travel assistant integrated into chat that handles flight, hotel, and restaurant enquiries, provides recommendations, processes cancellations and rebookings, and escalates to human support 24/7.

Source
Navan: Does Navan integrate with our ERP system?

Yes. Navan provides 30+ pre-built ERP connectors (SAP, Oracle, NetSuite, etc.) and REST APIs for real-time spend sync and invoice reconciliation.

Source
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