# N2F — Expense Management

N2F by N2F SAS holds a panel rating of 3.5/5 from 6 AI judges (category median 3/5), as of 2026-11-03. Provenance: provenance unknown; sovereignty: not determined.

- Vendor: N2F SAS (https://www.n2f.com)
- Category: [Expense Management](https://whats-best.ai/software/expense-management.md)
- Provenance (editorial classification): provenance unknown
- Canonical page: https://whats-best.ai/software/expense-management/n2f
- Alternatives: https://whats-best.ai/software/expense-management/n2f/alternatives ([markdown](https://whats-best.ai/software/expense-management/n2f/alternatives.md))
- Data as of: 2026-11-04 · evaluated 2026-11-03 · oldest source captured 2026-11-03

**AI-generated.** Every score, rationale and verdict here is written by a panel of AI judges from public evidence — an analysis, not a hands-on test. Every fact quotes the vendor page it was read from. No score can be bought. How scores are made: https://whats-best.ai/methodology

## 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

## 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.

## Scores by judge and criterion

Scores out of 5, each judge scoring independently against the published rubric (v1). "n/r" = not rated: the vendor publishes no price, or the judge found no public information on that criterion.

| Criterion | The Travelling Employee | The Office Manager | The Controller | The Finance Lead | The Tax Adviser | The Skeptic |
| --- | --- | --- | --- | --- | --- | --- |
| Receipt capture & expense claims | 3.5/5 | 4/5 | 4/5 | 4/5 | 4/5 | 4/5 |
| Company cards & spend control | 3.5/5 | 3.5/5 | 3.5/5 | 3.5/5 | 3.5/5 | 3/5 |
| Approval workflows & expense policy | 4/5 | 4/5 | 3.5/5 | 4/5 | 4/5 | 3.5/5 |
| Reimbursement, travel allowances & VAT | 3.5/5 | 3.5/5 | 3.5/5 | 3.5/5 | 4/5 | 3.5/5 |
| Accounting handoff & DATEV | 3.5/5 | 3.5/5 | 3/5 | 3.5/5 | 3.5/5 | 3/5 |
| European sovereignty | 3/5 | 3/5 | 3/5 | 3/5 | 2.5/5 | 2.5/5 |
| Pricing transparency | n/r | n/r | n/r | n/r | n/r | n/r |
| **Weighted verdict** | **3.5/5** | **3.5/5** | **3.5/5** | **3.5/5** | **3.5/5** | **3/5** |

### The judges

- **The Travelling Employee** (v1.0): A sales engineer on the road three days a week, with hotel bills in three currencies and a glovebox full of parking tickets. Wants to photograph a receipt and be done, mileage and per diems worked out without a spreadsheet, a company card so private money is never spent, and the money back on the account within days rather than at the end of the quarter.
- **The Office Manager** (v1.0): Runs the office of a thirty-person agency and is the one who chases missing receipts every month. Wants a card for each project lead with a limit she sets, software subscriptions on their own virtual cards, receipts that arrive without reminders, an export the tax adviser accepts, and a monthly price she can work out before the trial ends.
- **The Controller** (v1.0): Owns the travel and expense policy of a manufacturer with four legal entities and twelve hundred staff. Wants approval chains by cost centre and amount, limits checked before a claim is submitted rather than after it is paid, duplicates and private spending caught, budgets that cards draw from, and an audit trail that shows who approved and changed what.
- **The Finance Lead** (v1.0): Closes the month for a hundred-and-fifty-person Mittelstand company and books card spend from three banks. Wants card statements that reconcile by themselves, booking proposals with account, tax key and cost centre, receipts that reach DATEV with the booking, reimbursements paid in one SEPA run, and nothing that has to be retyped.
- **The Tax Adviser** (v1.0): A Steuerberaterin whose clients send their expenses from five different tools. Wants per diems and mileage at the statutory rates, the input VAT read from a receipt that actually qualifies for the deduction, substitute receipts only where the law allows them, scanned originals archived GoBD-compliant, and bookings that arrive in DATEV with the receipt image attached.
- **The Skeptic** (v1.0): Has seen "no more expense reports" turn into a card programme with a currency fee on every hotel abroad and a per-user price that counts everyone who ever logged in. Reads "DATEV integration" that means a CSV, "AI receipt scanning" with no word on where the receipts are read, card terms that leave the issuer unnamed, and subprocessor lists that stop at the hosting provider — and asks what leaving would cost.

## European sovereignty — proven facts

Built only from facts on the vendor's own pages; a dimension we could not prove is left open, never scored as zero. Headline: not determined.

| Dimension | Finding | Points | Source |
|---|---|---|---|
| Legal entity | Not determined | — | — |
| Hosting location | Not determined | — | — |
| Hosting options | Not determined | — | — |
| Open source | Not determined | — | — |
| Data processing agreement | Not determined | — | — |
| Transfer impact assessment | Not determined | — | — |

## Key facts

Each fact is the vendor's own statement, cited to the source page it was read from ([S*n*] → Sources).

**Compliance**
- Archiving faq: Europe · 10 [S3]
- Audit ready: Revisionssicher & auditbereit, Vorgänge abrufbar [S8]
- Legal archiving: France · 10 · yes [S3]
- Qualiopi: yes [S2]

**Hosting**
- Provider: 259 route des Soudanières, 01250 Ceyzeriat · France · SAS OKTEO [S2]

**Integrations**
- Accounting software count: 300 [S1]
- API docs: yes [S4]
- Compatible software: Sage · Cegid · SAP · EBP [S11]
- Count and examples: 300+ · QuickBooks · Xero [S11]
- Datev lexware export: Export nach DATEV oder Lexware nach Freigabe [S8]
- Documentation API: yes [S2]
- Mobile apps: yes · yes [S11]

**Legal**
- Address: 233 chemin des grandes terres 01250 MONTAGNAT France [S2]
- Publisher entity: SAS N2JSOFT · 515575 [S2]
- Rcs: RCS Bourg-en-Bresse n° 814 572 236 [S2]
- Support email: support@n2f.com [S2]
- VAT number: FR85814572236 [S2]

**Product**
- Accounting export: yes [S4]
- Accounting export purpose: Exports carry accounts, VAT rates and analytical dimensions ready for import [S11]
- AI anomaly detection: AI detects duplicates, missing VAT, overspending, non-working days [S7]
- AI checks: KI-Prüfung erkennt Duplikate, fehlende MwSt., Überschreitungen, Ausgaben an arbeitsfreien Tagen [S8]
- AI error detection: yes [S4]
- Analytics reporting: spend analysis with custom analytical axes by project, team or cost center [S1]
- App and web input: Travel data entered via web version or N2F mobile app [S10]
- Approval delegation: Built-in delegation with substitutes and approval backups [S7]
- Approval fraud detection: automated approval workflows, duplicate/input-error/fraud detection [S1]
- Approval notifications: Automatic notifications and reminders to managers [S7]
- Approval workflows configurable: Freigabe-Workflows individuell konfigurierbar mit intelligenter Prüf-Engine [S8]
- Approval workflows multilevel: Multi-level approval workflows configurable by amount, department, project or expense type [S7]
- Approved platform: N2F Plateforme Agréée enables issuing and receiving e-invoices in compliance [S1]
- Approver assignment: Genehmiger nach Abteilung, Projekt oder Organisationseinheit zuweisbar [S8]
- Apps: yes · yes [S9]
- Audit trail: Real-time tracking with timestamped expense reports [S7]
- Auto matching: yes [S5]
- Automatic accounting entries: yes [S11]
- Automatic blocking: automatic blocking after a set number of transactions without a receipt [S5]
- Capture channels: mobile photo · email · scan · import [S3]
- Card controls: limits, merchants, time slots and channels set per card [S5]
- Card types: fuel · subscription · supplier · project · single-use [S6]
- Card types: physical or virtual cards; fuel, subscriptions, supplier payments, single-use or multi-use [S5]
- Card use cases: fuel card, subscription card, supplier card, project card, single-use card [S5]
- Cards assignment: assign to employee, department or project [S6]
- Cards automatic locking: yes [S6]
- Cards instant creation: yes [S6]
- Cards permissions: allow/deny cash withdrawals, online or foreign transactions [S6]
- Cards physical virtual: physical or virtual cards, configurable in real time [S6]
- Cards pin change: yes [S6]
- Cards spending limits: yes [S6]
- Cards usage restrictions: restrict by merchant, keywords, transaction type or time window [S6]
- Commute deduction: yes [S9]
- Company count: 22000 [S1]
- Company policy tables: Applies official per diem tables or custom company per diems [S10]
- Company segments: Indépendant, TPE, PME, ETI, Grande entreprise, Associations, Public [S2]
- Complex routes: multiple · yes [S9]
- Conditional approvals: Bedingte Freigaben nach Betrag, Team oder Ausgabentyp [S8]
- Configurable: yes [S4]
- Contextual assignment: employee, department, or project [S5]
- Currencies: täglich aktualisiert · 170 [S4]
- Custom authorizations: ATM withdrawals, online payments, international transactions [S5]
- Delegation rules: Integrierte Vertretungs- und Backup-Genehmigungsregelung [S8]
- Demo booking: Demo booking offered [S10]
- Devices per user: unbegrenzt [S4]
- Driving log: yes [S4]
- Duplicate anomaly detection: yes · yes [S3]
- Einvoice compliance: compliant with French e-invoicing reform (Plateforme Agréée) [S1]
- Expense allowances: Fixed reimbursable amounts for categories like meals, travel [S7]
- Expense capture: Automatische Erfassung von Reisekosten [S4]
- Expense management: N2F covers expense reports, payment cards and supplier invoices [S1]
- Expense policy limits: Expense policy limits: fixed amount, per night, per guest, or per period [S7]
- Expense status: offen · eingereicht · genehmigt · erstattet [S4]
- Experience: 1 Million · 10 [S4]
- Export factory: Export factory: accounts by expense type, employee, VAT rate, custom labels [S11]
- Favorite routes: yes [S9]
- Free trial: Free trial offered [S10]
- Google maps integration: yes [S9]
- Google places autocomplete: yes [S9]
- Immediate activation: yes [S5]
- Instant issuance: yes [S5]
- Languages: 13 [S4]
- Lump sums: Pauschalen für feste Erstattungsbeträge definierbar [S8]
- Mandatory receipts: Expenses without receipt cannot advance to next step [S7]
- Meal allowance: Automatische Berechnung des Verpflegungsmehraufwands [S4]
- Mileage calculation: Google Maps [S4]
- Mileage logbook: Digital logbook automatically records trips, meets all logbook requirements [S9]
- Mileage rates: yes · yes [S9]
- Missing receipt behavior: Missing receipt blocks progression; automatic alerts sent [S7]
- Mobile apps: yes · yes [S3]
- Mobile apps: Play Store · App Store [S1]
- Mobile apps: Play Store · App Store [S6]
- Mobile apps: Play Store and App Store downloads available [S5]
- Mobile apps: yes · Play Store · App Store [S7]
- Mobile apps: yes · yes [S8]
- Mobile apps: yes · yes [S10]
- Modifiable pin: yes [S5]
- Modules: Reisekostenabrechnungen · Firmenkarten · Eingangsrechnungen [S4]
- Modules listed: Expense reports · Corporate cards · Accounts payable · Budget [S7]
- Multi entity: Multi-entity / multi-level rules and access rights with consolidated view [S7]
- Multi entity multi level: Multi-Entity & Multi-Level: Regeln je Team/Einheit [S8]
- Multi vehicle management: yes [S9]
- N2f intelligence: N2F Intelligence [S2]
- No reentry export: Approved reports ready to archive and export without re-entry [S7]
- No upfront expenses: yes [S5]
- Notifications reminders: Automatische Benachrichtigungen & Erinnerungen an Manager [S8]
- Ocr: AI-powered OCR for automatic capture of receipts and supplier invoices [S1]
- Ocr accuracy: 96 [S3]
- Ocr complex details: number of nights · fuel volume · tourist tax · vendor type [S3]
- Ocr extracted fields: amount · date · VAT · currency · vendor · expense category [S3]
- Ocr speed: expense created in under 5 seconds [S3]
- Onboarding: personalized onboarding support from first contact, adaptable to any company size [S1]
- Payroll payments export: yes [S11]
- Pdf export: yes [S4]
- Per diem assignment: Multiple rules manageable; allowances assignable to projects, clients or cost centers [S10]
- Per diem auto calculation: Automatic daily allowance (Verpflegungsmehraufwand) calculation based on destination and travel period [S10]
- Per diem rules: Per diem compliant with local tax rules or custom company policies [S10]
- Platform modules: Expense reports · Corporate cards · Accounts payable · Budget [S3]
- Platforms: yes · Android · iOS · Web [S4]
- Policy block or warn: Limits can be blocking (reject) or warning (flag) [S7]
- Policy limits per user project: Limits nach Ausgabentyp, Schwellen pro Nutzer oder Projekt [S8]
- Policy rules by profile: Variable limits by department, role, or employee status [S7]
- Products: N2F Notes de frais · N2F Cartes de paiement · N2F Factures fournisseurs [S2]
- Profile based limits: Differenzierte Limits nach Abteilung, Rolle oder Status [S8]
- Rating: 4.7 · 5000 [S1]
- Rating: 4.7 · 5000+ [S4]
- Rating: 4.7 · 5000+ [S6]
- Rating: 4.7 · 5000+ reviews [S5]
- Rating: 4.7 · 5000+ [S7]
- Rating: 4.7 · 5000 [S8]
- Rating: 5000+ · 4.7 [S10]
- Receipt requirement: Belegpflicht: ohne Nachweis kein weiterer Schritt [S8]
- Receipt storage: yes [S4]
- Reporting: Reporting on per diems by employee, trip, project or department [S10]
- Reviews rating: 4.7 · 5000+ [S3]
- Reviews rating: 5000+ · 4.7 [S9]
- Route map display: yes [S9]
- Route pdf: yes [S4]
- Smart category assignment: AI assigns expense category based on internal policy rules [S3]
- Spend modules: Expense reports · Corporate cards · Accounts payable · Budget [S11]
- Spending limits: Configurable limits by expense type, thresholds per user or project [S7]
- Stats: 22000 · 98 · 230 · 13 · 98 [S1]
- Status tracking timestamped: Echtzeit-Statusverfolgung mit Zeitstempel [S8]
- Sync: yes [S4]
- Target countries: FR · EN · DE · IT · ES · CH · BR · NL [S1]
- Time savings: 75 [S3]
- Trip attachment to report: yes [S9]
- Trip by project allocation: yes [S9]
- Usage restrictions: Merchant, keyword, transaction type or time slot [S5]
- VAT allocation: yes [S11]
- VAT automatic calculation: yes · yes [S11]
- VAT fuel calculation: yes [S9]
- VAT rules by country: yes [S11]
- Vehicle types: yes · yes · yes [S9]
- Warn or block thresholds: Warn- oder Blockiergrenzen bei Überschreitung wählbar [S8]

**Support**
- Localisation: yes [S1]

## Questions

### 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)](https://whats-best.ai/software/expense-management/moss), [Spendesk (3.5/5)](https://whats-best.ai/software/expense-management/spendesk) and [Pleo (3.5/5)](https://whats-best.ai/software/expense-management/pleo) 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](https://whats-best.ai/software/expense-management/moss) (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: [how scores are made](https://whats-best.ai/methodology#ordering). The full list, with European products first: [N2F alternatives](https://whats-best.ai/software/expense-management/n2f/alternatives).

## What this page leaves out

- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 1 sovereignty dimension could not be confirmed on the vendor’s own pages and is shown as unknown.

## Sources

- [S1] Vendor page: https://www.n2f.com (checked 2026-11-03)
- [S2] Legal notice — found from the homepage: https://www.n2f.com/fr/mentions-legales/ (checked 2026-11-03)
- [S3] Receipt capture & expense claims — found from sitemap: https://www.n2f.com/en/expense-report/smart-ocr/ (checked 2026-11-03)
- [S4] Receipt capture & expense claims — found from sitemap: https://www.n2f.com/de/handy-app/ (checked 2026-11-03)
- [S5] Company cards & spend control — found from sitemap: https://www.n2f.com/en/corporate-cards/customizable-payment-card/ (checked 2026-11-03)
- [S6] Company cards & spend control — found from sitemap: https://www.n2f.com/de/firmenkarten/konfigurierbare-firmenkarten/ (checked 2026-11-03)
- [S7] Approval workflows & expense policy — found from sitemap: https://www.n2f.com/en/expense-report/expense-report-approval/ (checked 2026-11-03)
- [S8] Approval workflows & expense policy — found from sitemap: https://www.n2f.com/de/reisekostenabrechnungen/freigabeprozess/ (checked 2026-11-03)
- [S9] Reimbursement, travel allowances & VAT — found from sitemap: https://www.n2f.com/de/reisekostenabrechnungen/kilometerpauschalen/ (checked 2026-11-03)
- [S10] Reimbursement, travel allowances & VAT — found from sitemap: https://www.n2f.com/de/reisekostenabrechnungen/verpflegungsmehraufwand/ (checked 2026-11-03)
- [S11] Accounting handoff & DATEV — found from sitemap: https://www.n2f.com/en/expense-report/accounting-export/ (checked 2026-11-03)

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Cite as: whats-best.ai, "N2F — Expense Management", AI panel analysis, as of 2026-11-04. https://whats-best.ai/software/expense-management/n2f

Corrections: https://whats-best.ai/correct/1438?target=page