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

ZZylo

Zylo

4.3/5
NNavan

Navan, Inc.

4.7/5
ROI categorycost reductioncost reduction
Time-to-ValueRoughly 6-8 weeks to first portfolio view (~45d)2–4 weeks (~30d)
Typical annual TCO$0/yr$18,000/yr
Starting price$0/yr$0/yr
Implementation feeNoneNone
Seat tiersCore, Premium, Enterprise; no seat minimum publishedNavan 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 friction3/52/5
Friction meter
Best forEnterprise IT, Procurement and FinOps teams managing large, decentralized SaaS portfolios; Organizations that need to discover shadow IT and build a defensible system of record for software spend; Companies targeting license reclamation and renewal savings across hundreds of applications; Teams that want SaaS, cloud and AI consumption spend in one governance view; M&A integration programs rationalizing overlapping application portfoliosMid-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 or teams below roughly 1,000 employees; Buyers who want self-serve signup and published list pricing instead of a demo and quote; Companies looking only for endpoint device or IT asset management; Teams with a handful of SaaS apps that a spreadsheet can still coverTeams 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
SnowflakeNativeNot supported
HubSpotNot supportedNot supported
Google WorkspaceNot supportedIntegration
Microsoft 365IntegrationIntegration
SAPNot supportedNot supported
SlackIntegrationIntegration
MCP (Model Context Protocol)NativeNot 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)
HeadquartersIndianapolis, USPalo Alto, US
PhoneNot listedNot listed
EmailNot listedNot listed
Live chatNot listedAll plans
Support portal / ticketsAll plansNot listed
Community forumNot listedNot listed
Help centre / docsAll plansAll plans
Dedicated account managerPlan not statedEnterprise 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 clientsOfficial serverNot supported
AI featuresCopilot / assistant; Agentic workflows; AI search; Predictive analytics; AI governance toolingCopilot / assistant
Model keyNot recordedNot recorded
AI usage auditFull audit trailNot 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/yr29d33d38d42d46dAnnual TCO ← betterDays to value ↑ betterQuick & CheapQuick & PriceySlow & CheapSlow & Pricey
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