SAP S/4HANA Cloud vs. Zoho Finance Plus

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
Zoho Finance Plus
Score 8.0 out of 10
N/A
Zoho Finance Plus is an integrated accounting suite for small businesses, featuring invoice and AP / AR management, accounting, and billing management.
$249
per month
Pricing
SAP S/4HANA CloudZoho Finance Plus
Editions & Modules
No answers on this topic
No answers on this topic
Offerings
Pricing Offerings
SAP S/4HANA CloudZoho Finance Plus
Free Trial
YesYes
Free/Freemium Version
NoNo
Premium Consulting/Integration Services
YesNo
Entry-level Setup FeeRequiredNo setup fee
Additional DetailsPer user, per monthThe base plan includes up to 10 seats. Additional seats can be purchased for a fee. Buyers may also get a discount for annual billing.
More Pricing Information
Community Pulse
SAP S/4HANA CloudZoho Finance Plus
Features
SAP S/4HANA CloudZoho Finance Plus
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
Zoho Finance Plus
-
Ratings
Pay calculation7.8339 Ratings00 Ratings
Benefit plan administration7.9330 Ratings00 Ratings
Direct deposit files7.6329 Ratings00 Ratings
Customization
Comparison of Customization features of Product A and Product B
SAP S/4HANA Cloud
7.7
592 Ratings
4% above category average
Zoho Finance Plus
-
Ratings
API for custom integration7.8568 Ratings00 Ratings
Plug-ins7.7523 Ratings00 Ratings
Security
Comparison of Security features of Product A and Product B
SAP S/4HANA Cloud
8.3
682 Ratings
0% below category average
Zoho Finance Plus
8.5
1 Ratings
3% above category average
Single sign-on capability8.5640 Ratings8.01 Ratings
Role-based user permissions8.1672 Ratings9.01 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
Zoho Finance Plus
-
Ratings
Dashboards7.7640 Ratings00 Ratings
Standard reports7.8679 Ratings00 Ratings
Custom reports7.6630 Ratings00 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
707 Ratings
8% above category average
Zoho Finance Plus
7.4
1 Ratings
3% below category average
Accounts payable8.2691 Ratings6.01 Ratings
Accounts receivable8.2662 Ratings7.01 Ratings
Global Financial Support7.8216 Ratings8.01 Ratings
Primary and Secondary Ledgers7.9224 Ratings7.01 Ratings
Journals and Reconciliations8.0242 Ratings8.01 Ratings
Configurable Accounting8.0223 Ratings8.01 Ratings
Standardized Processes8.3251 Ratings7.01 Ratings
Cash management00 Ratings6.01 Ratings
Bank reconciliation00 Ratings8.01 Ratings
Expense management00 Ratings7.01 Ratings
Time tracking00 Ratings8.01 Ratings
Fixed asset management00 Ratings6.01 Ratings
Multi-currency support00 Ratings8.01 Ratings
Multi-division support00 Ratings8.01 Ratings
Regulations compliance00 Ratings7.01 Ratings
Electronic tax filing00 Ratings8.01 Ratings
Self-service portal00 Ratings7.01 Ratings
Intercompany Accounting00 Ratings7.01 Ratings
Localizations00 Ratings8.01 Ratings
Enterprise Accounting00 Ratings9.01 Ratings
Centralized Rules Framework00 Ratings8.01 Ratings
Inventory Management
Comparison of Inventory Management features of Product A and Product B
SAP S/4HANA Cloud
8.3
600 Ratings
4% above category average
Zoho Finance Plus
8.0
1 Ratings
6% above category average
Inventory tracking8.3588 Ratings8.01 Ratings
Automatic reordering7.8508 Ratings8.01 Ratings
Location management7.9484 Ratings9.01 Ratings
Manufacturing module00 Ratings7.01 Ratings
Order Management
Comparison of Order Management features of Product A and Product B
SAP S/4HANA Cloud
8.2
608 Ratings
5% above category average
Zoho Finance Plus
-
Ratings
Pricing8.0582 Ratings00 Ratings
Order entry8.0591 Ratings00 Ratings
Credit card processing8.924 Ratings00 Ratings
Cost of goods sold8.2555 Ratings00 Ratings
Order Orchestration7.8185 Ratings00 Ratings
Subledger and Financial Process
Comparison of Subledger and Financial Process features of Product A and Product B
SAP S/4HANA Cloud
8.4
239 Ratings
12% above category average
Zoho Finance Plus
-
Ratings
Billing Management9.01 Ratings00 Ratings
Cash and Asset Management7.8217 Ratings00 Ratings
Travel & Expense Management10.01 Ratings00 Ratings
Budgetary Control & Encumbrance Accounting7.5187 Ratings00 Ratings
Period Close7.9234 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
29% above category average
Zoho Finance Plus
-
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
103 Ratings
10% above category average
Zoho Finance Plus
-
Ratings
Award Lifecycle Management8.1103 Ratings00 Ratings
Procurement
Comparison of Procurement features of Product A and Product B
SAP S/4HANA Cloud
7.9
199 Ratings
12% above category average
Zoho Finance Plus
-
Ratings
Bids Analyzed and Compared7.8139 Ratings00 Ratings
Contract Authoring7.8143 Ratings00 Ratings
Contract Repository7.6138 Ratings00 Ratings
Requisitions-to-Purchase Orders Integrated8.1179 Ratings00 Ratings
Supplier Management7.9176 Ratings00 Ratings
Risk Management
Comparison of Risk Management features of Product A and Product B
SAP S/4HANA Cloud
9.8
1 Ratings
40% above category average
Zoho Finance Plus
-
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
161 Ratings
16% above category average
Zoho Finance Plus
-
Ratings
Transportation Planning and Optimization8.1144 Ratings00 Ratings
Transportation Execution Management7.9140 Ratings00 Ratings
Trade and Customs Management7.7127 Ratings00 Ratings
Fulfillment Management8.2131 Ratings00 Ratings
Warehouse Workforce Management8.0131 Ratings00 Ratings
Manufacturing
Comparison of Manufacturing features of Product A and Product B
SAP S/4HANA Cloud
8.2
156 Ratings
11% above category average
Zoho Finance Plus
-
Ratings
Production Process Design8.2140 Ratings00 Ratings
Production Management8.3144 Ratings00 Ratings
Configuration Management8.2134 Ratings00 Ratings
Work Execution8.2139 Ratings00 Ratings
Manufacturing Costs8.1136 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
Zoho Finance Plus
-
Ratings
Forecasting7.7164 Ratings00 Ratings
Inventory Planning7.9179 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
169 Ratings
22% above category average
Zoho Finance Plus
-
Ratings
Proposal Management10.01 Ratings00 Ratings
Product Master Data Management7.9169 Ratings00 Ratings
Best Alternatives
SAP S/4HANA CloudZoho Finance Plus
Small Businesses
Zoho One
Zoho One
Score 9.4 out of 10
QuickBooks Self-Employed (discontinued)
QuickBooks Self-Employed (discontinued)
Score 7.3 out of 10
Medium-sized Companies
Infor VISUAL
Infor VISUAL
Score 8.9 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 CloudZoho Finance Plus
Likelihood to Recommend
8.3
(743 ratings)
8.0
(1 ratings)
Likelihood to Renew
9.3
(17 ratings)
-
(0 ratings)
Usability
8.0
(633 ratings)
8.0
(1 ratings)
Availability
9.0
(3 ratings)
-
(0 ratings)
Performance
9.0
(2 ratings)
-
(0 ratings)
Support Rating
6.7
(78 ratings)
8.0
(1 ratings)
In-Person Training
9.0
(1 ratings)
-
(0 ratings)
Online Training
9.0
(1 ratings)
-
(0 ratings)
Implementation Rating
7.5
(9 ratings)
-
(0 ratings)
Configurability
8.4
(4 ratings)
-
(0 ratings)
Contract Terms and Pricing Model
5.0
(2 ratings)
-
(0 ratings)
Ease of integration
8.0
(2 ratings)
-
(0 ratings)
Product Scalability
8.0
(2 ratings)
-
(0 ratings)
Professional Services
9.0
(1 ratings)
-
(0 ratings)
Vendor post-sale
6.8
(3 ratings)
-
(0 ratings)
Vendor pre-sale
7.2
(3 ratings)
-
(0 ratings)
User Testimonials
SAP S/4HANA CloudZoho Finance Plus
Likelihood to Recommend
SAP
I think it well suited for organizations with a large and complex infrastructures as it can handle them very easily in my opinion. It is also recommended for companies which are planning to move to mostly automated environments, in which it can be implemented in a good manner. I also think it is not suited or less suited for smaller scale organizations as the cost of operation could exceed the budget.
Read full review
Zoho
It is very well suited to track the expenses which employees use in an organization and if any employees are using business accounts. It has multiple integrations with other applications and we can customize it as per our needs.
Read full review
Pros
SAP
  • The software helps in forecasting and identifying potential challenges that would affect our organisation in the near future. This enables us to prepare in advance and also adopt practical and viable measures.
  • It enables faster and accurate data processing, which enhances decision-making.
  • It's easily customizable according to specific organizational needs. This promotes overall efficiency and productivity of the organization.
Read full review
Zoho
  • Expense Management
  • Report Tracking
  • Integration with other application
  • Customization
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
Zoho
  • Customer Support
  • Mobile Platform Optimization
  • Minimal GUI
Read full review
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
Zoho
No answers on this topic
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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Zoho
We have been efficiently using this product for 2 years, so the overall experience of using the product is fairly easy and straightforward
Read full review
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.
Read full review
Zoho
No answers on this topic
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.
Read full review
Zoho
No answers on this topic
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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Zoho
I have been a user of Zoho Financial Plus for more than a year and it's been a very efficient and sophisticated tool for managing the expenses in our organization.
Read full review
In-Person Training
SAP
More effective
Read full review
Zoho
No answers on this topic
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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Zoho
No answers on this topic
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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Zoho
No answers on this topic
Alternatives Considered
SAP
The platform utilizes advanced predictive analytics to anticipate operational bottlenecks and put them out of commission before the problems become larger. We can proactively develop effective strategies that help keep service quality in the face of unexpected changes in the market, or external disruptions, by continuously analyzing historical performance data as well as elements of the current market
Read full review
Zoho
No answers on this topic
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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Zoho
No answers on this topic
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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Zoho
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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Zoho
  • Zoho Ecosystems
  • Finance Audits
  • Financial Account Management
Read full review
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.