N2F
All your business spend in one smart platform: expense reports, corporate cards and accounts payable.
By N2F · 4.7/5 verified-buyer score
Positioning guardrails
Best for
- SMBs and mid-market companies in Europe that want to digitise expense reports, receipts and mileage quickly
- Finance and accounting teams that need clean exports into 200+ accounting, ERP and payroll systems
- Businesses consolidating employee expenses, corporate card spend, per diems and supplier invoices in one tool
- Organisations that value European hosting, support and interfaces in 11 languages
Ideal size: 10–1,000 people · Growing SMB or mid-market with a finance/accounting team digitising spend
Not for
- Companies looking for a permanently free tier — N2F offers free trials, but paid plans start at one user
- Enterprises that need deep procurement, sourcing or contract-management functionality
- Buyers requiring US-only data residency or 24/7 support coverage
Value metrics scorecard
Time-to-Value
Under 2 weeks with a free trial
~14 days to first production value
Total Cost of Ownership
$4,500/yr
Starts at $66 · Per user, per month, billed monthly or annually (–25% annual); tiers Business, Enterprise and Advanced (custom quote)
Implementation Friction
2/5
Engineering + admin effort required
Buyer Score
out of 5 · verified buyers
Full cost breakdown
Mandatory implementation fee
None
Seat tiers
Business: 1 user; Enterprise: per user with multi-user management; Advanced: custom quote
Add-on costs
- Legally compliant archiving: €1.5 per user per month (optional)
Company & support
Who is behind N2F, and how your team gets help once it is live.
Company
- Founded
- 2015 · 11 yrs in business
- Headquarters
- Not recorded
How you get support
- PhonePlan not stated
- EmailPlan not stated
- Live chatPlan not stated
- Support portal / ticketsNot listed
- Community forumNot listed
- Help centre / docsPlan not stated
- Dedicated account managerPlan not stated
- In person / on-siteNot listed
- Hours
- Business hours
- Response time
- Under 15 minutes (vendor claim)
Pricing-page support table lists online help/FAQ, video tutorials, email, live chat, phone and a dedicated account manager; per-plan availability is not legible in the source.
“Not listed” means the vendor’s public pages don’t mention that channel, not that it is unavailable. Ask about it during evaluation.
Market position
Where N2F sits against its closest alternatives. Pick any two of cost, speed, friction and buyer score, and up to 9 companies to compare.
Quadrant view
Typical annual cost × Time-to-value
The lines cross at the median of the solutions shown, so about half sit on each side of each line. A dashed ring marks an outlier pinned to the edge; hover for its value.
Companies on the chart 6 / 10
- N2F
- Cledara
- Setyl
- Ramp
- Vendr
- Brex
Add or change companies
Up to 10 companies including N2F. Listed closest first.
Stack fit signal
Compatibility with standard B2B ecosystems.
No supported MCP path today, so it cannot be driven from an AI client.
AI & MCP readiness
What N2F ships in AI, and what it asks of your ecosystem.
AI features shipped
Vendor describes intelligent OCR smart scan of receipts and supplier invoices (96% accuracy), AI-powered error and duplicate detection, tax-error checks, predictive verification scoring of expenses and built-in AI fraud detection on corporate cards. Model hosting, BYOK and AI activity logging are not documented on the sources provided.
In your ecosystem
- AI connection
- Not supported
- Model key
- Not recorded
- AI usage audit
- Not recorded
Compliance attestations
* IAPP AIGP certifies individuals, not products. It means named staff hold the credential — not that the platform does.
Bottom line
N2F is a European spend-management suite that unifies expense reports, corporate cards and accounts payable in one platform. AI-driven smart scan captures receipts and supplier invoices, while configurable approval workflows flag duplicates, tax errors and suspected fraud. It connects to 200+ accounting, ERP and payroll systems (Sage, SAP, Microsoft, Oracle/NetSuite, Cegid) and supports SAML SSO. More than 18,000 companies use it; plans start around €5.1 per user per month billed annually, with a free trial and consultant-led deployment.
Frequently asked questions
How much does N2F cost?
N2F is priced per user per month. The Business plan (1 user) is listed at €6.8 monthly, or €5.1 when billed annually, and Enterprise at €9.2 monthly, or €6.9 annually per user. Advanced, which adds multi-entity management, APIs and SSO, is a custom quote. Optional legally compliant archiving costs €1.5 per user per month. Free trials are offered on the self-serve plans.
What systems does N2F integrate with?
N2F exports to more than 200 accounting and ERP systems, including Sage, SAP (S/4HANA, ECC), Microsoft Dynamics/Business Central, Oracle, NetSuite, Cegid, Datev, Odoo and Abas. Payroll exports cover ADP, Payfit, Silae, Coala and Cegid. Access to N2F APIs and SAML v2 SSO (Azure AD, Office 365, GSuite) is listed on the Advanced plan.
How long does it take to go live?
The vendor offers a free trial and self-serve annual billing for smaller teams, and says the platform is powerful from day one. For larger organisations a dedicated consultant deploys the solution, configures it to your processes and trains administrators. The sources do not publish a fixed go-live timeline, so treat deployment as a guided but lightweight project.
What support does N2F provide?
The support page lists a help centre with 200+ FAQs, email, live chat and phone lines in French, English, German, Italian and Spanish, open Monday to Friday, 9:00–17:00 CET. The pricing page's support table also lists video tutorials and a dedicated account manager. N2F states its support team responds in under 15 minutes.
What AI capabilities does N2F include?
N2F describes intelligent OCR smart scan for receipts and invoices (96% accuracy), AI-powered error and duplicate detection, tax-error checks, predictive verification scoring of expenses, and built-in AI fraud detection for corporate cards. The sources do not state which model provider is used, whether customers can bring their own model key, or whether per-action AI logs can be exported.