Expense Management
N2F
Provenance unknown Report an error0–5 in half steps. 5 means the rubric's top anchor is met on the evidence.
by N2F SAS · www.n2f.com
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N2F at a glance
- Vendor
- N2F SAS
- Headquarters
- Not stated on the vendor’s pages as of 3 Nov 2026
- Data hosting
- Not stated on the vendor’s pages as of 3 Nov 2026
- Free plan
- Not stated on the vendor’s pages as of 3 Nov 2026
- Panel verdict
- The AI panel rates N2F 3.5/5, the mean of 6 judges. N2F covers expense reports, corporate cards, accounts payable and budget. how scores are made
- As of
- Vendor pages captured 3 Nov 2026; evaluated by the panel 3 Nov 2026. all sources
Read this page as one judge. Each weighs the same scores by what they care about.
The panel's verdict
N2F covers expense reports, corporate cards, accounts payable and budget. The bench scores it highest on receipt capture (7 to 8) and approval and policy (7 to 8): photo OCR at a published 96 percent accuracy, receipts forwarded from Uber, SNCF and Booking, multi-level routing by amount, department and project, warn-or-block limits, and AI checks for duplicates, missing VAT and overspending. Reimbursement and VAT reaches 7 to 8 on named German mechanics — per diems from official tables, always-current mileage rates with automatic home-to-work deduction, recoverable VAT by country and category. Weakest is sovereignty (5 to 6): the legal notice names French publisher SAS N2JSOFT and hosting with SAS OKTEO in France for ten-year certified archiving, but the judges found no public information on the card issuer, subprocessors, a data processing agreement or ISO 27001 or SOC 2 certifications. No disagreement was flagged; every counted criterion spans one point — the tax adviser alone scored reimbursement 8, the travelling employee alone scored receipt capture 7. Pricing transparency, reported but not counted, sits at 1 to 3: only a free trial and a demo request are public.
Speaks for it
- Receipt capture is documented end to end — photo OCR at a published 96 percent accuracy reading amount, date, VAT, currency and vendor, with receipts forwarded from Uber, SNCF and Booking and mileage computed from Google Maps routes.
- Approval workflows are configurable by amount, department, project and expense type, with substitutes for absences, warn-or-block limits and AI checks for duplicates, missing VAT, overspending and non-working days.
- German travel-expense mechanics are named, not generalized — per diems from official tables, always-current mileage rates with automatic home-to-work deduction, and fuel VAT computed by vehicle and fuel type.
- Approved reports export to DATEV or Lexware without re-entry, among 300-plus named accounting integrations including Sage, Cegid, SAP, QuickBooks and Xero, with a documented API and GoBD-compliant receipt storage.
- The publisher entity and host are named — SAS N2JSOFT registered at RCS Bourg-en-Bresse, receipts hosted by SAS OKTEO in France and archived ten years with certified timestamping.
Held against it
- We found no public information on who issues the physical and virtual cards or under which licence.
- We found no public information on subprocessors, a published data processing agreement, or security certifications such as ISO 27001 or SOC 2.
- We found no public information on pre-approval of trips or purchases before submission.
- We found no public information on receipt images reaching DATEV, two-way ERP sync or webhooks.
- Only a free trial and a demo request are public — no per-user price, tier, card fee or minimum term appears on the captured pages (this criterion is not counted in the judges' totals).
Best for
- You process travel expenses under German rules and want per diems and mileage applied automatically from official tables (reimbursement and VAT scores 7 to 8, with the tax adviser at 8).
- You run DATEV or Lexware and want approved reports exported without re-entry into your accounting system (accounting export scores 6 to 7).
- Your staff capture receipts on the road and need fast mobile capture, with OCR at a published 96 percent accuracy and offline entry (receipt capture scores 7 to 8).
- You want policy enforced at submission, with warn-or-block limits per expense type, night, guest or period and no expense advancing without a receipt (approval and policy scores 7 to 8).
Avoid if
- You need to know your annual cost before a sales conversation — the captured pages show no per-user price, tier, card fee or minimum term (pricing transparency scores 1 to 3, not counted in the totals).
- You must verify who issues your company cards and under which licence before adopting them — the judges found no public information on either, and cards and spend control scores 6 to 7.
- You require a published data processing agreement or ISO 27001 or SOC 2 certification before signing — sovereignty scores 5 to 6, the lowest counted criterion.
- You depend on receipt images travelling into DATEV or two-way ERP sync — the judges found no public information on either, and accounting export scores 6 to 7.
The scores
| Criterion | Panel median |
|---|---|
| Receipt capture & expense claims | 4 of 5 |
| Company cards & spend control | 3.5 of 5 |
| Approval workflows & expense policy | 4 of 5 |
| Reimbursement, travel allowances & VAT | 3.5 of 5 |
| Accounting handoff & DATEV | 3.5 of 5 |
| European sovereignty | 3 of 5 |
Receipt capture & expense claims
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How this is scored
How an expense gets into the system: a mobile app that photographs receipts, text recognition (OCR) that reads amount, date, merchant and VAT, receipts forwarded by email or pulled from suppliers, claims for out-of-pocket spending in any currency, mileage and trip entries, a substitute receipt (Eigenbeleg) when the original is lost, and duplicate detection.
0 — Not an expense capture tool; receipts and claims cannot be recorded in the product.
3 — Receipts uploaded as photos or files and attached to an expense by hand; text recognition, email capture or claims in other currencies are basic or not described.
5 — A mobile app that captures receipts with text recognition reading amount, date and merchant, receipts forwarded by email, expense claims for out-of-pocket spending submitted from the app, and foreign currencies converted.
8 — Extraction of VAT rates and amounts and line items, receipts collected automatically from email inboxes or named suppliers, duplicate and fraud checks on submission, a substitute receipt for lost originals, mileage with route calculation, and replacement scanning (ersetzendes Scannen) stated as GoBD-compliant so paper originals may be discarded.
10 — Capture without employee effort: e-receipts delivered directly by travel and merchant partners, extraction accuracy or review process published, a certified scanning procedure (for example an audit report to IDW PS 880 or a TÜV certificate) named, and every receipt traceable from capture to booking.
The Travelling Employee
Snap a photo and in under five seconds I have an expense with amount, date, VAT, currency and vendor read at a stated 96 percent accuracy, working offline and in 170 currencies — that is my glovebox workflow solved. Receipts also come in by email from Uber, SNCF and Booking, duplicates and tax anomalies are flagged, and storage is described as GoBD-compliant. I found no public information on a substitute receipt for lost originals or a certified scanning procedure, so I stop just short of the top level. 3 4 9
The Office Manager
Snap a receipt in the app and it reads amount, date, VAT, currency and vendor at a published 96 percent accuracy, receipts forwarded from suppliers like Uber, SNCF and Booking are centralized automatically, duplicates and tax anomalies are flagged, and mileage comes with Google Maps route calculation and a logbook. Receipts are stored GoBD-compliant and archived for ten years. I found no public information on a substitute receipt for lost originals or a named certified scanning procedure. 3 4 9
The Controller
Mobile capture with OCR reading amount, date, VAT, currency, vendor and category at a published 96 percent accuracy, receipts forwarded by email from named suppliers, and duplicate and tax checks on submission; mileage is calculated from Google Maps routes with a compliant logbook and automatic home-to-work trip deduction, in 170 currencies with daily rates. I found no public information on a substitute receipt for lost originals or a certified scanning procedure, which is what would take this further. 3 4 9
The Finance Lead
The OCR extracts amount, date, VAT, currency, merchant and category with a published 96 percent accuracy, receipts arrive by photo, email or from named suppliers such as Uber, SNCF and Booking, duplicates and tax anomalies are flagged, and mileage is calculated over Google Maps with a legally compliant digital logbook and storage described as GoBD-conform. I found no public information on a substitute receipt for lost originals or a certified scanning procedure, which keeps it below the top anchors. 3 4 9
The Tax Adviser
The mobile app photographs receipts and the OCR reads amount, date, VAT, currency, vendor and category at a published 96 percent accuracy, including complex details such as nights, fuel volume and tourist tax; receipts forwarded from named suppliers like Uber, SNCF and Booking are centralized, duplicates and tax anomalies are flagged, mileage is calculated over Google Maps routes, and photographed receipts are stored GoBD-conform. We found no public information on a substitute receipt for lost originals or on a certified scanning procedure. 3 4 9 11
The Skeptic
Photo capture with AI OCR reading amount, date, VAT, currency, vendor and even nights, fuel volume and tourist tax at a published 96 percent accuracy, receipts forwarded from named senders like Uber, SNCF and Booking, duplicate and fraud checks on submission, 170 currencies with daily rates and mileage computed from Google Maps routes — the capture chain is genuinely documented. We found no public information on a substitute receipt for lost originals or a certified scanning procedure, so whether paper originals may be discarded is not something the pages state. 3 4 9
Company cards & spend control
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How this is scored
How spending is controlled before it happens: physical and virtual company cards with limits, single-use and subscription cards, limits by amount, merchant category and time, budgets per team or project, real-time notifications and receipt reminders — or, for a product that issues no cards of its own, live feeds from the company's existing cards with automatic receipt matching. The issuing institution and its licence count where cards are issued.
0 — Neither issues cards nor reads card transactions; only out-of-pocket claims exist.
3 — Card transactions imported from a statement file or a single feed and matched by hand, or a card offer with fixed limits; budgets, reminders and controls are basic or not described.
5 — Either own physical and virtual cards with per-card limits, freezing and real-time notifications, or live feeds from named corporate card schemes or banks with automatic matching of receipts to transactions; spending visible as it happens and employees reminded to submit receipts.
8 — Cards for every employee with limits by amount, merchant category and period, single-use and subscription cards, budgets per team or project that cards draw from, pre-approval of a purchase before the card is charged, feeds from existing bank cards beside the own cards, and the issuing institution and licence named.
10 — Spend control across the company: multi-entity and multi-currency card accounts, budgets and policies enforced at the moment of payment, card spend reconciled to the statement automatically, safeguarding of funds and credit terms stated, and cards and transaction history portable to another provider.
The Travelling Employee
Physical and virtual cards are created on the spot with no banking formalities — single-use, fuel, subscription, supplier and project variants — with limits by amount, merchant, keyword and time window, cash withdrawals and foreign transactions switchable, and a card that blocks itself after too many transactions without a receipt. I found no public information on the issuing bank or licence behind the cards, on pre-approval before a charge, or on feeds from the corporate cards a company already holds. 5 6
The Office Manager
Each project lead can get a physical or virtual card in a few clicks without banking formalities, with limits by amount, merchant, keyword, transaction type and time window, single-use, subscription, fuel and project cards, assignment to an employee, department or project, and automatic blocking after a set number of transactions without a receipt, with card charges matched to expenses automatically. The issuing institution and its licence are not named, and I found no public information on live feeds from existing bank cards or pre-approval of a purchase before the charge. 5 6
The Controller
Physical and virtual cards including single-use, subscription, fuel, supplier and project cards, with limits by amount, merchant, keyword, transaction type and time window, PIN changes, automatic locking, blocking after receipts go missing, and automatic matching of transactions to expenses. The issuing institution and its licence are not named, no page shows cards drawing from the Budget module, and I found no public information on pre-approval before a card is charged or on feeds from our existing bank cards. 3 5 6
The Finance Lead
Physical and virtual cards come in single-use, subscription, fuel, supplier and project variants with limits by amount, merchant, keyword and time window, automatic blocking after transactions without receipts, and card transactions matched automatically to expenses. I found no public information on the issuing institution and its licence, pre-approval before a card is charged, or feeds from a company's existing bank cards. 5 6
The Tax Adviser
Physical and virtual cards are created instantly with per-card limits by amount, merchant keyword, transaction type and time window, plus single-use, subscription, fuel and project cards, PIN changes, automatic locking under company policy and blocking after transactions without a receipt, with card transactions matched automatically to expenses. We found no public information naming the issuing institution and its licence, nor on pre-approval before a card is charged or on feeds from existing bank cards. 5 6
The Skeptic
Physical and virtual cards with per-card limits, merchant, keyword and time-window restrictions, ATM, online and foreign-transaction permissions, single-use, subscription, fuel and project cards, PIN changes in-app and automatic locking after receipt-free transactions — the control surface is real and detailed. What the pages never tell me is who issues these cards and under which licence, and we found no public information on pre-approval before a charge or live feeds from the company's existing bank cards. 5 6
Approval workflows & expense policy
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How this is scored
How the company's rules are applied: approval chains by amount, team, cost centre or project, delegation and deputies, an expense policy with limits per category and per country that the product checks, pre-approval of trips and purchases, roles and permissions, multi-entity set-ups, and an audit trail of who approved and changed what.
0 — No approval step; every expense goes straight to export or payment.
3 — A single approver per employee or one sign-off step; policy rules, deputies and audit history are basic or not described.
5 — Multi-step approval flows configurable by amount, team or cost centre, an expense policy with limits per category that flags violations, approval from the mobile app, and a history of who approved what.
8 — Rule-based routing by amount, project, cost centre and entity with deputies and escalation, policy checks before submission (limits per country, per diem rules, duplicates), pre-approval of trips or purchases, granular roles and permissions, several legal entities in one account, and an exportable audit trail.
10 — Controls that stand up to an audit: anomaly and fraud detection with its rules explained, separation of duties enforced, country-specific policies maintained centrally, every change to a claim versioned and attributed, and control reports offered to auditors.
The Travelling Employee
Multi-level flows by amount, department, project and expense type, conditional approvals, deputies and backups for absences, warn-or-block policy limits per category, night or guest, and AI flagging duplicates, missing VAT, overspending and spending on non-working days — every report timestamped and retrievable for internal or external audits. I found no public information on pre-approval of trips before they happen, which as a three-day-a-week traveller I would want. 7 8 1
The Office Manager
Workflows are configurable by amount, department, project and expense type with substitutes and backup approvers for absences, limits can warn or reject per night, per guest or per period and vary by department, role or employee status, an expense without a receipt cannot move to the next step, and AI flags duplicates, missing VAT, overspending and spending on non-working days. Rules and access rights differ per team or entity with a consolidated view, and every report is timestamped and retrievable for internal or external audits. Pre-approval of a trip or purchase before submission is not described on the captured pages. 1 7 8
The Controller
Multi-level workflows configurable by amount, department, project or organisation unit with deputies and backups, conditional approvals, and policy limits per expense type, user, profile and project that either flag or reject, backed by AI checks for duplicates, missing VAT, overspending and spending on non-working days, plus multi-entity rules with a consolidated view. Pre-approval of trips or purchases is not described, and although reports are timestamped and retrievable for internal or external audits, I found no public information on a versioned record of who changed what. 1 7 8
The Finance Lead
Multi-level conditional routing by amount, team, project and organisational unit, delegation with substitutes and backup approvers, warn-or-block thresholds, and AI checks that name duplicates, missing VAT, overspending and non-working days are all described, alongside multi-entity rules and audit-ready retrieval of every case. I found no public information on pre-approval of trips or purchases. 7 8 1
The Tax Adviser
Multi-level workflows route by amount, department, project, expense type and entity, approvers are assigned by organisational unit, deputies and backup approvers cover absences, and limits per expense type, night, guest or period can block or flag at submission. The named AI checks — duplicates, missing VAT, overspending and expenses on non-working days — run against the policy, reports are timestamped and retrievable for audits, though we found no public information on pre-approval of trips or purchases. 1 7 8
The Skeptic
Multi-level routing by amount, department, project and expense type, substitutes and backup approvers for absences, warn-or-block policy limits by expense type, per-night or per-guest, profile-based limits, and AI checks for duplicates, missing VAT, overspending and spending on non-working days — most of what an auditor would ask about is written down. We found no public information on pre-approval of trips or purchases, per-country policy limits, or an exportable trail attributing every change to a person. 1 7 8
Reimbursement, travel allowances & VAT
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How this is scored
How the employee gets money back and the company gets the tax right: reimbursement of approved claims by bank transfer or a SEPA payment file, mileage allowances and per diems at statutory rates per country (Verpflegungspauschalen, Kilometerpauschale, meal deductions), taxable and tax-free reimbursements separated for payroll, the input VAT captured per receipt for the deduction, and foreign VAT reclaimed.
0 — No reimbursement of employees; the product covers company cards only and out-of-pocket spending is out of its scope.
3 — Out-of-pocket claims recorded and paid back outside the product by hand; travel allowances and VAT handling are basic or not described.
5 — Approved claims reimbursed through the product or a SEPA payment file, mileage and per diems at configurable rates, and the VAT rate and amount captured per receipt for the input-tax deduction.
8 — Statutory per diems and mileage rates per country maintained by the vendor (German travel expense law named), meal deductions and multi-day trips calculated, reimbursement in several currencies within a stated time, VAT split per rate and receipts checked for the invoice requirements of the deduction, and foreign VAT reclaim offered or integrated with a named partner.
10 — Travel expense law and VAT handled end to end: country rules kept current with a stated process, taxable reimbursements passed to payroll, foreign VAT reclaim filed with the recovered amounts reported, and every reimbursement traceable to the claim and the rule that produced it.
The Travelling Employee
Mileage comes from Google Maps with official, always-current rates and custom rules, home-to-work legs deducted automatically, favourite routes saved, fuel VAT computed by vehicle and fuel type, and per diems calculated by destination and travel period against official tables per country — this is the spreadsheet killer I need. I found no public information on how quickly approved claims are reimbursed, on foreign VAT reclaim, or on receipts being checked for the invoice requirements of the deduction. 9 10 11
The Office Manager
Official per diem tables are applied automatically by country, location and travel period or the company's own rules, mileage uses integrated always-current rates with Google Maps routes and an automatic home-to-work deduction, fuel VAT is computed by vehicle and fuel type, and recoverable VAT rules are set per country and expense category across 170 currencies with daily rates, with exports ready for payroll and payments. I found no public information on reimbursement paid out through the product as a SEPA transfer, a stated payout time, or foreign VAT reclaim. 4 9 10 11
The Controller
Statutory meal allowances by destination, country and travel period are applied automatically from official tables, mileage uses official or company rates with Google Maps routing and automatic home-to-work deduction, and recoverable VAT is calculated across multiple rates with rules per country and expense category, with exports ready for payroll and payments. I found no public information on a SEPA payment file or a stated reimbursement time, on checking receipts against the invoice requirements of the deduction, or on foreign VAT reclaim. 9 10 11
The Finance Lead
Official per diem tables are applied automatically by country and travel period, meal deductions are calculated automatically, official mileage rates are kept current with automatic home-to-work deduction, and recoverable VAT is computed per rate and country including fuel by vehicle type, with exports ready for payroll and payments. I found no public information on a SEPA payment file, foreign VAT reclaim or a stated reimbursement turnaround. 9 10 11 4
The Tax Adviser
German travel expense law is handled by name: the Verpflegungsmehraufwand is calculated automatically from destination and travel period against official tables per location and country, kilometre allowances use integrated, always-current official rates with a compliant digital Fahrtenbuch and automatic home-to-work deduction, and fuel VAT is computed by vehicle and fuel type. Recoverable VAT is calculated across multiple rates with rules per country and expense category, and exports for payroll and payments exist; we found no public information on foreign VAT reclaim or on checking receipts for the invoice requirements of the deduction. 4 9 10 11
The Skeptic
Per diems applied automatically from official tables by destination, country and travel period, always-current statutory mileage rates with the German meal deduction and home-to-work trips handled, and recoverable VAT calculated by country, category and rate including vehicle-dependent fuel VAT — the tax mechanics are named, not hand-waved. We found no public information on foreign VAT reclaim, checks against the invoice requirements for the deduction, or a stated turnaround for reimbursement. 4 9 10 11
Accounting handoff & DATEV
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How this is scored
What reaches the books: export or sync to DATEV (DATEV format, DATEV Unternehmen online, Belegbilderservice) and to named accounting and ERP systems, booking proposals with account, tax key and cost centre, receipts that travel with the booking, card statements reconciled, a GoBD-compliant archive, an API and webhooks, and a complete export of claims, receipts and booking data.
0 — No export of any kind; expenses have to be retyped into the books.
3 — A CSV or PDF export of expense reports; booking data, named integrations and the archive are basic or not described.
5 — Export or sync to at least one named accounting system (DATEV or another) with account and tax code per entry and the receipt attached, several accounting or ERP integrations listed, and a documented API.
8 — A DATEV interface with receipt images (DATEV Unternehmen online or the DATEV Marketplace named), booking proposals that learn account, tax key and cost centre, two-way sync with named ERPs (SAP, Microsoft Dynamics, NetSuite or similar), card statements reconciled for the month-end, a GoBD-compliant archive stated, and webhooks.
10 — The month-end close runs through the product: multi-entity bookings and accruals, a procedure documentation (Verfahrensdokumentation) or GoBD audit offered, a complete audit trail of every financial event, and a full export of claims, receipts and bookings that a successor system can import.
The Travelling Employee
Approved reports export straight to DATEV or Lexware without rework, more than 300 accounting tools are named including SAP, Sage, Cegid, QuickBooks and Xero, exports carry accounts, VAT rates and analytical dimensions through a configurable export factory, receipts are archived GoBD-compliant, and the API is documented. I found no public information on DATEV Unternehmen online or the receipt-image service, on webhooks, or on two-way ERP sync. 8 11 4
The Office Manager
Approved reports export directly to DATEV or Lexware without rework, 300+ integrations are claimed with Sage, Cegid, SAP, EBP, QuickBooks and Xero named, and the export carries accounts, VAT rates and analytical dimensions configurable per expense type, employee or custom label; an API is documented, receipt storage is GoBD-compliant and archiving runs ten years in France with certified timestamps. Receipt images travelling with the DATEV booking, two-way ERP sync and webhooks are not described on the captured pages. 3 4 8 11
The Controller
DATEV and Lexware export after approval without rework, exports carrying accounts, VAT rates and analytical dimensions with a configurable export factory, 300-plus integrations including Sage, Cegid, SAP and EBP, automatic entry generation, GoBD-compliant receipt storage and a documented API. I found no public information on receipt images travelling through the DATEV interface, on two-way sync with an ERP, on booking proposals that learn over time, or on webhooks. 2 4 8 11
The Finance Lead
Approved reports export to DATEV or Lexware without re-entry, over 300 systems are named including SAP, Sage, Cegid, QuickBooks and Xero, and the export factory maps accounts by expense type, employee, VAT rate and custom labels with card transactions matched automatically and GoBD-conform storage plus a documented API. I found no public information on receipt images through DATEV Unternehmen online, two-way ERP sync or webhooks. 8 11 4
The Tax Adviser
Approved reports export directly to DATEV or Lexware without rework, among more than 300 accounting systems including SAP, Sage, QuickBooks and Xero, carrying accounts, VAT rates and analytical dimensions through a configurable export mapping, with a stated GoBD-conform archive and a documented API. We found no public information on receipt images travelling into DATEV Unternehmen online or the DATEV Marketplace, on webhooks, or on two-way ERP sync. 1 4 8 11
The Skeptic
A DATEV and Lexware export after approval, 300-plus named accounting connections including Sage, Cegid, SAP, EBP, QuickBooks and Xero, an export factory mapping accounts and VAT rates to the target format, a documented API, and GoBD-compliant ten-year archiving in France with certified timestamping. The DATEV path is a single line on a page about approvals: we found no public information on receipt images reaching DATEV, two-way ERP sync, month-end card statement reconciliation or webhooks. 1 4 8 11
European sovereignty
panel opinion
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How this is scored
Who the contracting entity and the parent company are, where receipt, card and employee data are hosted, and who the subprocessors are (hosting, card issuer and processor, text recognition, open banking, email delivery). Independently sourced by the sovereignty pipeline; expense data is personal and financial at once and shows where employees travel, so the whole chain counts, not only the database.
0 — Non-EU vendor and contracting entity, hosting unstated, subprocessors unnamed, and no data processing agreement offered.
3 — A privacy policy and a data processing agreement exist, but hosting location is unstated or non-EU and the subprocessors are not listed.
5 — EU hosting available and an EU contracting entity or EU representative, but parts of the chain (text recognition, card processing, email, analytics, support) run through non-EU providers without a stated safeguard.
8 — EU hosting on named infrastructure, EU contracting entity and card issuer, subprocessors listed with their locations, a data processing agreement published, and security certifications (ISO 27001, SOC 2) stated.
10 — Sovereign end to end and evidenced: European ownership, entity, issuer, hosting and every subprocessor, data export and deletion documented, and certifications published with their scope rather than implied.
The Travelling Employee
The vendor presents itself as thoroughly French: a French publisher entity with RCS registration, hosting on the named French provider OKTEO, receipts archived in France with certified timestamping, and support based in France. I found no public information on a data processing agreement, on subprocessors and their locations, on the card issuer, or on ISO 27001 or SOC 2 certification — so the chain beyond the database stays dark. 2 3 1
The Office Manager
The publisher is SAS N2JSOFT, registered at RCS Bourg-en-Bresse with a French VAT number, receipts are hosted by SAS OKTEO in Ceyzériat, France and archived ten years with certified server timestamping, and support is based in France. A Qualiopi certification is listed, but I found no public information on a data processing agreement, a subprocessor list with locations, or security certifications such as ISO 27001 or SOC 2. 1 2 3
The Controller
A French publishing entity (SAS N2JSOFT, RCS Bourg-en-Bresse) with a named French host (SAS OKTEO, Ceyzériat), receipt data hosted in France with certified timestamping and ten-year retention, and France-based support. The chain beyond hosting is unproven: I found no public information on a subprocessor list covering card processing, text recognition or email, on a published data processing agreement, on security certifications, or on who issues the cards. 1 2 3
The Finance Lead
A French contracting entity, RCS Bourg-en-Bresse and a French VAT number are published, hosting runs with the named French provider OKTEO, and legal ten-year archiving is stated for France with certified timestamping and France-based support. The captured pages name no subprocessors beyond the host, no card issuer or processor, and show no data processing agreement or security certification such as ISO 27001 or SOC 2. 2 3 1
The Tax Adviser
The contracting entity is a French SAS registered at RCS Bourg-en-Bresse with a French address and VAT number, and data is hosted in France on a named French hoster with certified timestamping for ten-year legal archiving; support is based in France. Beyond the hoster, we found no public information on subprocessors, a data processing agreement, or security certifications. 1 2 3
The Skeptic
The legal notice names a French publisher, SAS N2JSOFT with an RCS registration and French VAT number, and receipts are archived for ten years hosted in France by a named host, OKTEO, with certified timestamping — contracting entity and data location are proven European. For the rest of the chain — the card issuer and processor, where the OCR reads receipts, email delivery, a published data processing agreement, security certifications such as ISO 27001 or SOC 2 — we found no public information. 2 3
Pricing transparency
not rated — the vendor publishes no price
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How this is scored
Whether a buyer can compute the real annual cost from public pages alone: price per user or per active user, platform or base fee, which modules (travel, reimbursements, DATEV or ERP connectors, extra entities) cost extra, card fees (physical cards, foreign transactions, currency conversion, top-ups), minimum seats and term, and setup.
0 — No public prices at all; every customer is a sales call.
3 — A starting price or a free tier exists, but how cost scales with users, cards or modules is unclear.
5 — Tiers are public with their per-user or base price and main inclusions, but at least one commonly needed piece (extra users, physical cards, foreign-currency fees, ERP connectors) is unpriced or "on request".
8 — Every tier priced publicly with its scaling rule (per user, per active user, per card), card and foreign-transaction fees listed, add-ons priced, minimum term and VAT treatment stated.
10 — Complete price computability: annual cost derivable for a given headcount, card count and module set, with every add-on, setup, support, card and currency fee and the cancellation and data-return terms published.
The Travelling Employee
The only public commercial signals I found are a free trial and a request-a-demo button; no tier, per-user price, card fee, minimum term or setup cost appears on the captured pages. As a buyer I cannot even estimate the annual bill for my team without a sales call. 10
The Office Manager
Only a free trial and a demo request are published, with onboarding described as personal accompaniment from the first exchange. I found no public prices — no per-user price, tier, card fee or minimum term — so I cannot work out the monthly cost for my headcount before the trial ends. 1 10
The Controller
Only a free trial and a demo request are public; I found no public information on prices per user, tiers and their scaling, card or foreign-currency fees, or minimum seats and term, so I cannot begin to compute an annual cost for twelve hundred staff across four entities. 10
The Finance Lead
A free trial and a demo request are the only public commercial terms I found; no per-user price, tier, card fee, minimum term or setup cost appears on the captured pages, so the annual cost for a given headcount cannot be computed. 10 1
The Tax Adviser
We found no public prices in the captured pages — only a free trial and a requestable demo — and how cost scales with users, cards or modules is not described, so a buyer cannot compute the annual cost from these pages. 10
The Skeptic
The captured pages offer a free trial and a demo button and no price figure of any kind: no per-user cost, no card or foreign-transaction fees, no module pricing for cards or accounts payable, no term or VAT treatment. The real annual cost is not computable from anything we read; the number arrives in a sales conversation. 1 10
European sovereignty — proven facts
0 of 6 dimensions provenBuilt only from facts shown on the vendor's own pages. A dimension we could not prove is left open, not scored as zero.
| Legal entity | Not determined ⚠ unverified | — | uncited Report an error |
|---|---|---|---|
| Hosting location | Not determined | — | uncited Report an error |
| Hosting options | Not determined | — | uncited Report an error |
| Open source | Not determined | — | uncited Report an error |
| Data processing agreement | Not determined | — | uncited Report an error |
| Transfer impact assessment | Not determined | — | uncited Report an error |
Questions about N2F
Is N2F European?
Not determined: the vendor’s pages as captured do not say where N2F is based.
Where does N2F store data?
Not stated on the vendor’s pages as of 3 Nov 2026.
Does N2F have a free plan?
Not stated on the vendor’s pages as of 3 Nov 2026.
What are the best alternatives to N2F?
As of 3 Nov 2026, the panel rates Moss (4/5), Spendesk (3.5/5) and Pleo (3.5/5) highest among the other 18 Expense Management products evaluated. Ratings that look equal are rounded to half stars; the order uses the unrounded rating, then the name. The highest-rated European alternative is Moss (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: how scores are made. The full list, with European products first: N2F alternatives.
Where this could be wrong
- Evidence ages. The oldest capture behind this page is from 3 Nov 2026. Vendors change pricing and policies without notice; every fact reflects its source as of the capture date shown in the registry.
- Weak sourcing — Legal entity. Not confirmed on the vendor’s own pages as captured.
- AI can misread a source. Extraction and judgement are automated; a citation guarantees traceability, not infallibility. If something here is wrong, say so — no account needed, every report is decided within 5 business days, and accepted corrections are published.
What we left out
A claim that does not survive our checks costs us the claim, not the page. This is what was taken off this one.
- We found no public information on pricing on the pages we read (n2f.com, n2f.com/fr/mentions-legales, n2f.com/en/expense-report/smart-ocr, n2f.com/de/handy-app, n2f.com/en/corporate-cards/customizable-payment-card, n2f.com/de/firmenkarten/konfigurierbare-firmenkarten and 5 more). If the vendor publishes it somewhere else, send us the page. Know more? Tell us
- 62 product facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 11 integrations facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 6 legal facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 4 compliance facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 2 support facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 1 sovereignty dimension could not be confirmed on the vendor’s own pages and is shown as unknown. Know more? Tell us
Sources (11)
The pages every claim on this page was read from — each one checked, dated, and kept verifiable.
- 1 Vendor page www.n2f.com Checked 3 Nov 2026 Details →
- 2 Legal notice — found from the homepage www.n2f.com Checked 3 Nov 2026 Details →
- 3 Receipt capture & expense claims — found from sitemap www.n2f.com Checked 3 Nov 2026 Details →
- 4 Receipt capture & expense claims — found from sitemap www.n2f.com Checked 3 Nov 2026 Details →
- 5 Company cards & spend control — found from sitemap www.n2f.com Checked 3 Nov 2026 Details →
- 6 Company cards & spend control — found from sitemap www.n2f.com Checked 3 Nov 2026 Details →
- 7 Approval workflows & expense policy — found from sitemap www.n2f.com Checked 3 Nov 2026 Details →
- 8 Approval workflows & expense policy — found from sitemap www.n2f.com Checked 3 Nov 2026 Details →
- 9 Reimbursement, travel allowances & VAT — found from sitemap www.n2f.com Checked 3 Nov 2026 Details →
- 10 Reimbursement, travel allowances & VAT — found from sitemap www.n2f.com Checked 3 Nov 2026 Details →
- 11 Accounting handoff & DATEV — found from sitemap www.n2f.com Checked 3 Nov 2026 Details →