Overview
ProductRatingMost Used ByProduct SummaryStarting Price
SAP S/4HANA Cloud
Score 8.5 out of 10
N/A
SAP S/4HANA Cloud is a modular ERP that enables users to run mission-critical operations in real time from anywhere, introduce new business models in any industry, and expand globally. SAP S/4HANA Cloud is a SaaS product and can also be deployed in a hybrid landscape for quicker time to value.​ ​​ SAP S/4HANA Cloud is a foundational component of the SAP…N/A
Xero
Score 8.3 out of 10
N/A
Xero is an online accounting software product for small businesses and personal finance. Its features beyond general ledger and double-bookkeeping include quotable invoicing, bank reconciliation, purchase order and expense management, and tax management. Third party apps can extend its features further.
$13
per month
Pricing
SAP S/4HANA CloudXero
Editions & Modules
No answers on this topic
Early
$13
per month
Growing
$37
per month
Established
$70
per month
Offerings
Pricing Offerings
SAP S/4HANA CloudXero
Free Trial
YesYes
Free/Freemium Version
NoNo
Premium Consulting/Integration Services
YesNo
Entry-level Setup FeeRequiredNo setup fee
Additional DetailsPer user, per monthPrices in table are in USD and just apply to the US - other markets & prices are listed below: Canada - Starter $18 CAD/month, Standard $45 CAD/month, Premium 5 $58 CAD/month UK - Starter £14/month, Standard £28/month, Premium £36/month AU - Starter $29 AUD/month, Standard $59 AUD/month, Premium 5 $76 AUD/month NZ - Starter $31 NZD/month, Standard $66 NZD/month, Premium $84 NZD/month
More Pricing Information
Community Pulse
SAP S/4HANA CloudXero
Considered Both Products
SAP S/4HANA Cloud
Chose SAP S/4HANA Cloud
SAP has a bigger ecosystem, and because of it, I would better go for SAP S/4HANA Cloud. Moreover, SAP has its own BI tool SAP BusinessObjects Business Intelligence which can be used to data visualization, and reporting which can be integrated with SAP S/4HANA Cloud smoothly.
Xero

No answer on this topic

Features
SAP S/4HANA CloudXero
Payroll Management
Comparison of Payroll Management features of Product A and Product B
SAP S/4HANA Cloud
8.1
388 Ratings
10% above category average
Xero
7.5
73 Ratings
1% below category average
Pay calculation7.8339 Ratings8.065 Ratings
Benefit plan administration7.9330 Ratings8.023 Ratings
Direct deposit files7.6328 Ratings7.249 Ratings
Salary revision and increment management00 Ratings7.141 Ratings
Reimbursement management00 Ratings7.054 Ratings
Customization
Comparison of Customization features of Product A and Product B
SAP S/4HANA Cloud
7.7
592 Ratings
4% above category average
Xero
8.2
157 Ratings
6% above category average
API for custom integration7.8567 Ratings7.979 Ratings
Plug-ins7.7523 Ratings8.5144 Ratings
Security
Comparison of Security features of Product A and Product B
SAP S/4HANA Cloud
8.3
682 Ratings
0% below category average
Xero
7.2
197 Ratings
13% below category average
Single sign-on capability8.5640 Ratings5.572 Ratings
Role-based user permissions8.1671 Ratings8.9195 Ratings
Reporting & Analytics
Comparison of Reporting & Analytics features of Product A and Product B
SAP S/4HANA Cloud
7.7
691 Ratings
5% above category average
Xero
8.5
224 Ratings
8% above category average
Dashboards7.7639 Ratings8.6220 Ratings
Standard reports7.8679 Ratings8.9222 Ratings
Custom reports7.6629 Ratings8.0196 Ratings
General Ledger and Configurable Accounting
Comparison of General Ledger and Configurable Accounting features of Product A and Product B
SAP S/4HANA Cloud
8.3
706 Ratings
8% above category average
Xero
8.6
234 Ratings
12% above category average
Accounts payable8.2690 Ratings8.5213 Ratings
Accounts receivable8.2661 Ratings8.8218 Ratings
Global Financial Support7.8215 Ratings7.673 Ratings
Primary and Secondary Ledgers7.9223 Ratings8.670 Ratings
Journals and Reconciliations8.0241 Ratings10.090 Ratings
Configurable Accounting8.0222 Ratings9.959 Ratings
Standardized Processes8.3250 Ratings7.959 Ratings
Cash management00 Ratings8.2201 Ratings
Bank reconciliation00 Ratings8.7227 Ratings
Expense management00 Ratings8.4207 Ratings
Time tracking00 Ratings7.476 Ratings
Fixed asset management00 Ratings8.3141 Ratings
Multi-currency support00 Ratings7.8136 Ratings
Multi-division support00 Ratings8.3117 Ratings
Regulations compliance00 Ratings8.3118 Ratings
Electronic tax filing00 Ratings9.2122 Ratings
Self-service portal00 Ratings8.2138 Ratings
Intercompany Accounting00 Ratings9.940 Ratings
Localizations00 Ratings10.039 Ratings
Enterprise Accounting00 Ratings9.933 Ratings
Centralized Rules Framework00 Ratings6.033 Ratings
Inventory Management
Comparison of Inventory Management features of Product A and Product B
SAP S/4HANA Cloud
8.3
599 Ratings
5% above category average
Xero
6.6
107 Ratings
13% below category average
Inventory tracking8.3587 Ratings8.4103 Ratings
Automatic reordering7.8507 Ratings6.224 Ratings
Location management7.9483 Ratings6.229 Ratings
Manufacturing module00 Ratings6.016 Ratings
Order Management
Comparison of Order Management features of Product A and Product B
SAP S/4HANA Cloud
8.2
607 Ratings
5% above category average
Xero
7.2
89 Ratings
5% below category average
Pricing8.0581 Ratings10.062 Ratings
Order entry8.0590 Ratings10.056 Ratings
Credit card processing8.924 Ratings6.358 Ratings
Cost of goods sold8.2554 Ratings6.366 Ratings
Order Orchestration7.8184 Ratings6.121 Ratings
End-to-end order visibility00 Ratings6.124 Ratings
Order exception Resolution00 Ratings6.117 Ratings
Subledger and Financial Process
Comparison of Subledger and Financial Process features of Product A and Product B
SAP S/4HANA Cloud
8.4
238 Ratings
12% above category average
Xero
-
Ratings
Billing Management9.01 Ratings00 Ratings
Cash and Asset Management7.8216 Ratings00 Ratings
Travel & Expense Management10.01 Ratings00 Ratings
Budgetary Control & Encumbrance Accounting7.5186 Ratings00 Ratings
Period Close7.9233 Ratings00 Ratings
Project Execution Management
Comparison of Project Execution Management features of Product A and Product B
SAP S/4HANA Cloud
9.3
1 Ratings
28% above category average
Xero
-
Ratings
Project Planning and Scheduling10.01 Ratings00 Ratings
Task Insight for Project Managers8.01 Ratings00 Ratings
Project Mobile Functionality10.01 Ratings00 Ratings
Definable Resource Pools9.01 Ratings00 Ratings
Grants Management
Comparison of Grants Management features of Product A and Product B
SAP S/4HANA Cloud
8.1
102 Ratings
10% above category average
Xero
-
Ratings
Award Lifecycle Management8.1102 Ratings00 Ratings
Procurement
Comparison of Procurement features of Product A and Product B
SAP S/4HANA Cloud
7.9
198 Ratings
12% above category average
Xero
-
Ratings
Bids Analyzed and Compared7.8138 Ratings00 Ratings
Contract Authoring7.8142 Ratings00 Ratings
Contract Repository7.6137 Ratings00 Ratings
Requisitions-to-Purchase Orders Integrated8.1178 Ratings00 Ratings
Supplier Management7.9175 Ratings00 Ratings
Risk Management
Comparison of Risk Management features of Product A and Product B
SAP S/4HANA Cloud
9.8
1 Ratings
39% above category average
Xero
-
Ratings
Risk Repository10.01 Ratings00 Ratings
Control Management10.01 Ratings00 Ratings
Control Efficiency Assessments10.01 Ratings00 Ratings
Issue Detection9.01 Ratings00 Ratings
Remediation and Certification10.01 Ratings00 Ratings
Logistics
Comparison of Logistics features of Product A and Product B
SAP S/4HANA Cloud
8.0
160 Ratings
16% above category average
Xero
-
Ratings
Transportation Planning and Optimization8.1143 Ratings00 Ratings
Transportation Execution Management7.9139 Ratings00 Ratings
Trade and Customs Management7.7126 Ratings00 Ratings
Fulfillment Management8.2130 Ratings00 Ratings
Warehouse Workforce Management8.0130 Ratings00 Ratings
Manufacturing
Comparison of Manufacturing features of Product A and Product B
SAP S/4HANA Cloud
8.2
155 Ratings
10% above category average
Xero
-
Ratings
Production Process Design8.2139 Ratings00 Ratings
Production Management8.3143 Ratings00 Ratings
Configuration Management8.2133 Ratings00 Ratings
Work Execution8.2138 Ratings00 Ratings
Manufacturing Costs8.1135 Ratings00 Ratings
Supply Chain
Comparison of Supply Chain features of Product A and Product B
SAP S/4HANA Cloud
7.8
186 Ratings
8% above category average
Xero
-
Ratings
Forecasting7.7164 Ratings00 Ratings
Inventory Planning7.9178 Ratings00 Ratings
Performance Monitoring7.7170 Ratings00 Ratings
Product Lifecycle Management
Comparison of Product Lifecycle Management features of Product A and Product B
SAP S/4HANA Cloud
9.0
168 Ratings
22% above category average
Xero
-
Ratings
Proposal Management10.01 Ratings00 Ratings
Product Master Data Management7.9168 Ratings00 Ratings
Best Alternatives
SAP S/4HANA CloudXero
Small Businesses
Zoho One
Zoho One
Score 9.3 out of 10
QuickBooks Self-Employed (discontinued)
QuickBooks Self-Employed (discontinued)
Score 7.2 out of 10
Medium-sized Companies
Infor VISUAL
Infor VISUAL
Score 7.5 out of 10
Zoho Books
Zoho Books
Score 9.1 out of 10
Enterprises
24SevenOffice
24SevenOffice
Score 9.0 out of 10
SAP S/4HANA Cloud
SAP S/4HANA Cloud
Score 8.5 out of 10
All AlternativesView all alternativesView all alternatives
User Ratings
SAP S/4HANA CloudXero
Likelihood to Recommend
8.3
(742 ratings)
8.1
(247 ratings)
Likelihood to Renew
9.3
(17 ratings)
6.5
(37 ratings)
Usability
8.0
(632 ratings)
8.2
(174 ratings)
Availability
9.0
(3 ratings)
9.1
(11 ratings)
Performance
9.0
(2 ratings)
9.1
(9 ratings)
Support Rating
6.7
(78 ratings)
5.1
(39 ratings)
In-Person Training
9.0
(1 ratings)
9.1
(1 ratings)
Online Training
9.0
(1 ratings)
10.0
(5 ratings)
Implementation Rating
7.5
(9 ratings)
7.0
(12 ratings)
Configurability
8.4
(4 ratings)
8.2
(2 ratings)
Contract Terms and Pricing Model
5.0
(2 ratings)
-
(0 ratings)
Ease of integration
8.0
(2 ratings)
7.3
(132 ratings)
Product Scalability
8.0
(2 ratings)
8.2
(7 ratings)
Professional Services
9.0
(1 ratings)
-
(0 ratings)
Vendor post-sale
6.8
(3 ratings)
4.5
(3 ratings)
Vendor pre-sale
7.2
(3 ratings)
4.5
(3 ratings)
User Testimonials
SAP S/4HANA CloudXero
Likelihood to Recommend
SAP
The software reduces the stress of managing multiple departments in the supply chain sector. It offers great performance for both small and large businesses. With the built-in AI, it improves the overall efficiency of the organization and helps in reducing maintenance. The product customer care and support services are available 24/7.
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Xero
I am a massage and physical therapist. We are not a fancy business but business admin can take a lot of time and effort. Xero came recommended to me by colleagues in the sector. You raise invoices, you get paid. and you pay your bills. These are all daily scenarios for most businesses and Xero does this particularly well. Since my accountant can query my records directly, this greatly saves on bookkeeping time when it is time to do the company returns.
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Pros
SAP
  • SAP S/4HANA Cloud is entirely based on continuously monitored processes enhanced in numerous operational business areas.
  • The solution allows the immediate analysis of company performance indicators due to enhanced functions.
  • Ideally built on future technologies, the organization’s platform aims at providing a system intended to expand based on business complexity.
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Xero
  • Repeating invoices (most of my business is monthly recurring invoices) - it does these very well.
  • Reporting - particularly being able to dig into the different lines of the P&L statement.
  • Tracking categories - I assign a category to every line of every invoice so it's easy to see how much has been sold of each type of service every month and year, and compare them to previous periods.
Read full review
Cons
SAP
  • The beginner's user-friendly UI can help learners learn easily, and it feels a bit complex.
  • Implementation of AI bot on common tasks.
  • There are no offline functionality that users can use remotely.
  • As the scalability of the products grows, they become more expensive.
Read full review
Xero
  • Having different email addresses for different parts of a customer's business (eg invoices and statements to different places)
  • Easily seeing the text of emails that have been sent through Xero
  • More easily archiving old pay items. Our HR software updates rates when awards are updated which means a lot of old pay rates are in the system and they have multiple clicks to archive each one. Clicking the ones to archive in bulk and then just click archive for all would be much more efficient.
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Likelihood to Renew
SAP
The cost of SAP as an ERP is quite high and the switching costs associated with ERP systems are even higher. That being said moving from one ERP to another only happens once in a great while for large organizations. Those switching costs include retraining, IT hardware requirements, outside consultants and more
Read full review
Xero
In addition to the matters covered in this review, my reason for renewing this product is that Xero's functionality and the constant updates that the company provides, makes the software even more business friendly. The software therefore builds a brand loyalty among customers.
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Usability
SAP
Day to day data insight is more accurate for manufacturing industry to procure as per forecasted from supplier. Supply and fulfillment cycle becomes more easier. I would say more about performance as we are using this new server so we can see clear difference between SAP S/4HANA Cloud and ECC. Also it has customized business extensions for rapid development.
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Xero
As a standalone software, it allows users to fulfill most of the basic functions (e.g. transaction input and report generation) simply and conveniently. It also allows for multiple APIs to help augment various tasks that accounting-adjacent (e.g. claims processing). The cloud based model and portability to mobile devices allows tasks to be carried out in a more convenient way.
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Reliability and Availability
SAP
I would rate SAP S/4HANA Cloud’s availability as 10 out of 10. The system is generally reliable and accessible whenever needed, with minimal unplanned outages. Occasional minor application errors or brief maintenance windows can occur, but overall the platform provides a high level of uptime and stability, which supports continuous business operations effectively.
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Xero
We have been actively using and 100% Xero based for our ecommerce accounting practice for over 4 years. There has on been one real outage for more than 5 minutes. Xero was open and transparent about the outage, what they were doing to resolve the issue, and provided 15 minute updates. Showing how they care about their customers and partners. Plus, showing that their customers care too, were understanding, and went surfing or in our case took a nap. Couldn't run our business without Xero as a partner.
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Performance
SAP
I would rate SAP S/4HANA Cloud’s performance as 10 out of 10. Most pages load quickly, and reports generally complete in a reasonable time frame, even for complex queries. The system handles integrations with other software smoothly, though in a few high-volume scenarios, certain reports or dashboards may take slightly longer to process. Overall, performance is strong and meets the needs of most business operations effectively.
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Xero
On a good day, things worked but after upgrades, things began to slow and or not work at all at times. I coined the moving circle while I waited as the "Xero Wheel of Death". Sometimes it never stopped and force quitting was necessary.
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Support Rating
SAP
The support system I find great as whenever I run into problems they rectify them quickly as possible they never reacted late the support is just up to the mark for me. They provide many solutions to the problems I faced the [technical] team support is always amazing they [listen] to mean work accordingly.
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Xero
Always respond and keep issues open until you are satisfied with the result. Generally good responses, in the past, I had some support responses that were really basic and really annoying. They type where "have your tried restarting your computer" style of answers. Well, of course, I went through all the basics before contacting them. Duh, but I suppose not everyone does. Otherwise, it would be a 10. The last year has shown a marked improvement in the support responses however.
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In-Person Training
SAP
More effective
Read full review
Xero
The format was great; someone was there to ask questions or help if you were stuck.
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Online Training
SAP
I gave this rating because the SAP S/4HANA Cloud trainings were well-structured, comprehensive, and practical. They provided clear guidance on system functionality, hands-on exercises, and real-world scenarios that made it easier for our team to understand and adopt the platform. At the same time, there’s room for improvement in providing more role-specific or advanced scenario trainings, which would further enhance learning for specialized users.
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Xero
All of Xero's training is online and available for anyone (business owner or accountants) to learn and become experts in their system. There is a range of content from product training to real world webinars from their partners. Xero is beautiful accounting software and their training is the same.
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Implementation Rating
SAP
SAP requires
a lot of internal and external resources to complete its successful
implementation. The cloud version requires a deeper understanding of the
different capabilities of the local systems (hardware) and the connection
towards your local IT team. We found several problems on our systems that we
couldn't foresee before the implementation and roll out.
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Xero
If it can be done, time the implementation near a new fiscal year so you can start clean. Otherwise, you have to go back and do historical data from the beginning of the fiscal year, which can be brain draining.
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Alternatives Considered
SAP
In our quest for an ERP solution, we evaluated alternatives such as Oracle ERP Cloud and Microsoft Dynamics 365. However, SAP S/4HANA Cloud's reputation for advanced analytics, scalability, and seamless integration with other SAP solutions made it the natural choice for our organization's digital journey.
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Xero
Each of the products I listed had their own list of drawbacks, but the one thing they all had in common, which was right on top of that list of drawbacks, was ease of use. I struggled to get myself accustomed to each system and struggled, but when it came to getting a client to even try and use it was when the true struggle started. Just found it easier to make use of Xero from the very beginning.
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Scalability
SAP
The platform is highly flexible and cloud-based, allowing deployment across multiple departments, locations, and business units with minimal infrastructure constraints. It supports growth, additional users, and new business processes efficiently. The only reason for a 10 that it’s a perfect that certain highly specialized integrations or legacy system migrations can require extra planning to scale seamlessly, but overall the platform handles expansion very well.
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Xero
I have yet to fully stress test the product given the size of the company where I am using it. I am sure as we scale to more customers, more vendors and more reporting requirements, I will have a better understanding of what it is capable of in terms of bandwidth and processing
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Professional Services
SAP
I would rate the professional services for SAP S/4HANA Cloud as 10 out of 10. The team was highly knowledgeable, responsive, and provided valuable guidance throughout the implementation process. They helped with system configuration, best practices, and troubleshooting, ensuring a smoother deployment and faster user adoption. The only minor area for improvement would be slightly faster turnaround on certain non-critical queries, but overall, the services greatly contributed to the project’s success.
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Xero
No answers on this topic
Return on Investment
SAP
  • The financial management part ensures every process is well planned and allocated resources are used efficiently.
  • The development of payroll management ensures that all employees are happily remunerated and, hence, very productive.
  • The creation of solid financial reporting acts as the primary driver in decision-making, which brings more insights into development.
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Xero
  • Xero is a basic accounting system that performs basic accounting tasks easily and accurately. For that, it provides a positive impact on our day to day accounting operations.
  • Because of Xero's basic structure, I feel it lacks some of the sophistication that some users want and need. The ability to create unique custom reports would enhance the impact Xero would have on meeting business objectives by providing current and useful accounting information.
  • In my opinion, Xero's lack of focus on their customers - their users - is a real issue with me. In my opinion, those of us that are in the trenches that work with the system on a daily basis have to deal with the shortcomings of the system with the knowledge that Xero support refuses to address the operational issues that make their user's lives difficult. I feel if Xero would focus on truly making their software better from a users point of view, it has the potential to be a great system.
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ScreenShots

SAP S/4HANA Cloud Screenshots

Screenshot of the Order to Cash Dashboard - For the management of the order-to-cash process more efficiently across revenue streams and business models - including sales of physical and digital goods, services, subscriptions, projects, and bundles.Screenshot of a Sales Management Overview - Helps ensure sales reps meet their goals with an overview of orders and key sales performance metrics, with status tracking for each order in real time for the early detection of potential issues.Screenshot of the Purchasing Spend Dashboard - For weighing various aspects of purchasing spend through quick access to clear, complete, and real-time data, with less risk, and without opening different reports and transactions.Screenshot of Operational Supplier Evaluation - Provides a transparent overview of suppliers. Users can approve the most reliable vendors and get the right mix to serve business needs while reducing risk.Screenshot of Inventory Management - Provides visibility to manage supply chains, to mitigate risk, avoid unnecessary costs, maximize efficiency, and fulfill customer orders on time.Screenshot of Inventory Processing - Enables real-time supply chain visibility and provides meaningful metrics, with customizable dashboards and reports that display real-time inventory that track the status of inbound and outbound deliveries.

Xero Screenshots

Screenshot of Screenshot of Screenshot of Screenshot of Screenshot of Screenshot of