N2F

N2F at a Glance

N2F Overview

N2F is a French expense management platform serving SMB and mid-market organizations across 11 languages and multiple European markets including France, Germany, Italy, Spain, Switzerland, the Netherlands, and Brazil. The platform automates the receipt-to-reimbursement workflow with mobile-first OCR receipt capture that extracts date, amount, tax, vendor, tip, and even fuel volume in one step, without a separate data-entry queue for finance operators.

The vendor is part of Silae, the leading French payroll software group, which anchors N2F in the French SMB and mid-market payroll and HR software stack. This positioning means N2F ships native integrations with Silae Paie, PayFit, ADP, Cegid, and 200+ accounting and payroll systems. Employees can submit expenses in French, English, German, Italian, Spanish, Portuguese, Dutch, and additional languages with the same OCR intelligence.

N2F handles employee expense reports, mileage reimbursement with Google Maps integration, corporate card feeds through native bank connectivity, per diem allowances, and fleet vehicle management. Multi-level approval workflows, automated policy enforcement, duplicate detection, tax error identification, and legal archiving (an optional add-on) round out the compliance layer. Named customers span independent professionals through large enterprises across the seven country versions on the site.

Capabilities and Named Features

N2F is built around the mobile receipt: an employee opens the app, photographs a receipt, and the Stabilo OCR module highlights the key data (date, amount, tax, vendor, tip, and fuel volume) automatically. The expense report writes itself, the approval workflow fires, and the coded ledger entry exports to the accounting or payroll system the finance team already uses. Mileage tracking runs on Google Maps with configurable per-kilometer rates by vehicle class, and fleet vehicle management adds fuel card and maintenance visibility for teams with company cars.

Named feature list

• Smart OCR receipt scan (Stabilo module) that highlights date, amount, tax, vendor, tip, and fuel volume in one photo
• Mileage reimbursement with Google Maps integration and configurable per-kilometer rates by vehicle class
• Corporate card feed connectivity through native bank integrations for automatic transaction import
• Per diem allowance workflow with country-specific and city-specific rate tables
• Multi-currency support across 11 languages for teams operating in multiple European markets
• Offline-capable mobile app so employees can capture receipts without connectivity
• Fleet vehicle management with fuel card tracking, maintenance logging, and driver assignment
• Multi-level customizable approval workflows with amount thresholds, category rules, and delegated approval
• Automated policy enforcement with duplicate detection, out-of-policy flagging, and tax error identification
• AI-powered verification via the Stabilo module that automatically highlights key data fields
• Accounting and payroll software exports to 200+ systems including SAP, Oracle, Sage, Cegid, Silae Paie, PayFit, and ADP
• Legal archiving add-on for GDPR-compliant paperless receipt storage at 1.50 EUR per user per month
• Multi-entity group configuration with consolidated reporting across country versions
• Google Maps integration for mileage distance calculation and route validation
• Custom expense categories, cost centers, and project codes for detailed general-ledger coding
• Role-based access controls with employee, approver, and administrator permission sets
• Real-time expense report status tracking from submission through payment
• Country-localized tax and legal compliance for France, Germany, Italy, Spain, Switzerland, Netherlands, and Brazil

Pricing and Plans

N2F publishes three named tiers with monthly and annual pricing in EUR (per user per month, VAT excluded). Business at 6.80 EUR monthly or 5.10 EUR annual for single-user or small-team expense reporting with core OCR and mileage; Enterprise at 9.20 EUR monthly or 6.90 EUR annual per user for multi-user teams with advanced approval workflows, multi-entity support, and priority reporting; Advanced by custom quote for ERP and API access with built SLAs.

The published tier structure is unusual for the European expense management category because most competitors quote custom prices below the 15-employee threshold and force short-list buyers into a demo cycle. N2F publishing 5.10 EUR annual and 6.90 EUR annual per user makes it a fast short-list candidate for French, German, Italian, Spanish, Swiss, and Dutch SMB finance teams benchmarking entry cost.

Optional add-ons include legal archiving at 1.50 EUR per user per month for GDPR-compliant paperless receipt storage. Advanced-tier features (ERP integrations beyond the pre-built library, custom API access, dedicated SLAs) are quoted per customer. The Silae parent relationship means bundled pricing may be available for Silae Paie payroll customers.

Pros

• Published Business and Enterprise tier pricing (5.10 EUR to 9.20 EUR per user per month) lets French, German, Italian, Spanish, Swiss, and Dutch SMB buyers benchmark entry cost without a custom quote cycle
• Silae parent group anchors N2F in the French payroll and HR software stack with bundled pricing potential for Silae Paie customers
• OCR (Stabilo module) extracts date, amount, tax, vendor, tip, and fuel volume in one photo without a separate data-entry queue
• 11 languages with country versions for France, Germany, Italy, Spain, Switzerland, Netherlands, and Brazil covers most European SMB needs
• 200+ accounting and payroll integrations including SAP, Oracle, Sage, Cegid, Silae, PayFit, and ADP cover European accounting stacks
• Mileage tracking with Google Maps and configurable per-kilometer rates by vehicle class works for field service and sales team reimbursement
• Fleet vehicle management adds fuel card tracking, maintenance logging, and driver assignment for teams with company cars
• Offline-capable mobile app captures receipts without connectivity for airline, remote-site, and international travel scenarios

Cons and Trade-offs

• Card issuance is not a native feature; N2F imports card feeds from bank integrations rather than issuing its own physical or virtual cards
• AP invoice automation is not a core feature; supplier invoice-heavy teams should evaluate Spendesk, Payhawk, or Emburse alongside N2F
• Procurement workflow (purchase requests, purchase orders, three-way match) is not included; procurement-first buyers should evaluate Coupa or Precoro
• US market presence is minimal; N2F is a European-first vendor and US-headquartered teams should evaluate Ramp, Brex, or Expensify instead
• Reddit r/frenchbusiness and r/comptabilite threads note the Advanced-tier custom quote process is less transparent than the Business and Enterprise published tiers
• Multi-currency support exists but the platform is primarily EUR-first; heavy USD, GBP, or non-EUR spend teams should evaluate FX handling in a trial
• Legal archiving is an optional add-on at 1.50 EUR per user per month rather than included in the base tiers
• Named enterprise customer references are less publicly visible than Spendesk or Emburse case studies

N2F vs Alternatives

Who Should Choose N2F

French SMB and mid-market finance teams (5 to 500 employees) needing OCR expense capture, mileage, and export to Silae Paie, PayFit, Cegid, Sage, or another French payroll system without a custom-quote sales cycle.

German, Italian, Spanish, Swiss, and Dutch SMB finance teams operating in-country with local tax and legal compliance requirements needing 11-language OCR receipt capture and per diem allowance workflows.

Multi-entity groups operating across France plus 1 to 3 additional European markets needing per-entity approval hierarchies and consolidated reporting across country versions.

Field service, sales, and consulting teams with high mileage reimbursement volume needing Google Maps integration with configurable per-kilometer rates by vehicle class.

Fleet-heavy operations (transport, logistics, field services) needing company-car management with fuel card tracking, maintenance logging, and driver assignment alongside expense reports.

Silae Paie payroll customers seeking bundled expense management with pre-built integration into their existing French payroll workflow.

Named Alternatives to N2F

• Spendesk. European mid-market with cards plus AP plus procurement on one platform
• Pleo. Nordic-first European SMB with per-user pricing and lightweight approvals
• Rydoo. Belgian competitor with per-user published pricing and travel expense focus
• Soldo. UK and EU SMB and mid-market with FCA-regulated prepaid Mastercard cards
• Expensify. SMB and mid-market expense with SmartScan OCR at low per-user pricing
• Payhawk. European mid-market with fastest procurement plus cards plus AP feature velocity
• SAP Concur. Global enterprise T&E with the largest airline booking content
• Cegid Notilus. French-market travel and expense with deep Cegid ERP integration

Implementation and Deployment

SMB deployments (5 to 30 employees) go live in 1 to 2 weeks once the accounting or payroll export mapping is confirmed and employee onboarding is complete.

Mid-market deployments (30 to 250 employees) commonly run 2 to 6 weeks including multi-level approval workflow modeling, country-specific per diem rate configuration, and Silae Paie or Cegid export validation.

Multi-entity group rollouts run 6 to 12 weeks when the group operates across France plus 2 to 4 additional European markets with per-entity approval hierarchies, per-country VAT rules, and per-country per diem tables.

Historical data migration is optional; most customers switch cutover on the first day of a new accounting or payroll month with legacy expense claims closed out in the prior system.

The Stabilo OCR module requires no training data configuration; the smart scan works out of the box for standard receipt formats across French, German, Italian, Spanish, and Dutch language markets.

Fleet vehicle configuration (per-vehicle mileage rates, fuel card assignment, driver mapping) is a 1 to 2 workshop task for fleet-heavy operators with 20+ company cars.

What Real Buyers Say About N2F

A Reddit r/frenchbusiness thread from mid-2025 titled 'N2F vs Spendesk pour une PME de 50 personnes' captured the recurring French buyer trade-off: N2F wins on published EUR tiers, Silae Paie payroll integration, and lightweight receipt-to-payroll workflow; Spendesk wins on card issuance, AP automation, and procurement depth for larger French mid-market teams. Additional context: r/frenchbusiness threads on French SMB expense management, N2F on LinkedIn, r/comptabilite threads on French accounting and expense.

LinkedIn posts by French finance directors and payroll consultants highlight that the Silae parent relationship makes N2F a natural short-list candidate for the 30,000+ French SMB and mid-market groups already running Silae Paie payroll; the bundled export path removes a full manual data entry cycle.

SelectHub and SoftwareAdvice reviews rank N2F consistently in the top three European SMB expense management platforms alongside Rydoo and Cegid Notilus, with the strongest positioning in France, Germany, Italy, Spain, and Switzerland where per diem, mileage, and fleet workflows matter.

Reddit r/comptabilite threads warn that field service and fleet-heavy teams should validate the Google Maps mileage rate configuration during trial (per-vehicle rates, per-driver rates, and country-specific per-kilometer allowances) rather than adopt default templates, because inaccurate mileage rates create audit risk under French tax rules.

Vendor references: N2F published pricing tiers, N2F expense management overview, Silae parent group and French payroll software portfolio.

The Bottom Line on N2F

N2F is the default short-list candidate for French, German, Italian, Spanish, Swiss, and Dutch SMB and mid-market finance teams needing OCR expense capture, mileage, and payroll export at published EUR tier pricing (5.10 EUR annual entry). The Silae parent relationship makes it the strongest bundled option for the 30,000+ French groups already running Silae Paie payroll.

Field service, sales, consulting, transport, and logistics teams with high mileage and fleet workflows get the strongest value from the Google Maps mileage integration, per-vehicle configurable rates, and fleet fuel card tracking. Multi-entity groups operating across France plus additional European markets benefit from country-localized tax compliance and 11-language OCR.

Watch for gaps in the N2F feature footprint: card issuance is not native (bank feeds only), AP invoice automation is light, and procurement workflows are not included. Teams needing cards plus AP plus procurement on one platform should evaluate Spendesk, Payhawk, or Emburse alongside N2F.

Alternatives to shortlist alongside N2F: Spendesk for European mid-market with cards plus AP plus procurement, Rydoo for Belgian per-user published pricing, Pleo for Nordic SMB with lightweight UX, Soldo for FCA-regulated prepaid Mastercard cards, Expensify for global SMB at low per-user cost, and Cegid Notilus for French-market travel and expense with deep Cegid ERP integration.

Verified on 2026-08-04 against vendor website.