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ERP · head to head

Holded vs Zip

Holded logo

Holded

ERP

Spanish cloud ERP for invoicing, accounting and business management for small companies

From
€7.5/month
Rated
-
Full reviewWebsite
Zip logo

Zip

ERP

Procurement intake and orchestration that sits on top of the systems you already run

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Holded prices exclude VAT; Zip it is a layer on top of systems you already pay for, so the business case rests on adoption and cycle time rather than replacing a licence, and that is harder to defend to a finance director cutting software spend.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Holded and Zip actually diverge.

Attributes where Holded and Zip differ
AttributeHoldedZip
Starting price€7.5/monthOn request
Pricing modelsubscriptionquote
PlatformsWebWeb, iOS

Identical on both: free tier (No), user rating (Not yet rated), category (ERP).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Holded

Nothing recorded that Zip does not also cover.

Only in Zip

  • Unified intake
  • Approval orchestration
  • Vendor onboarding
  • Contract repository
  • ERP write-back
  • Renewal management
  • Spend visibility
  • AI request handling

What people use each for

The jobs each tool is most often brought in to do.

Holded

  • Managing bank reconciliation rules across multiple accountsnot Zip
  • Scaling from 250 to unlimited invoices annually as business growsnot Zip
  • Processing payroll and absences for teams of 5-50 peoplenot Zip
  • Managing stock across multiple warehouses for distributionnot Zip
  • Automating tax authority submissions for Spanish SMEsnot Zip

Zip

  • A company that owns a source-to-pay suite nobody uses because employees cannot navigate itnot Holded
  • An organisation where every software purchase needs security, legal, privacy and finance sign-off and currently does it in email threadsnot Holded
  • A finance team that keeps discovering contracts that auto-renewed because nobody owned the renewal datenot Holded
  • A business needing an auditable record of who approved a third-party engagement and on what evidencenot Holded

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Holded

  • Prices exclude VAT
  • Annual limits reset January to December
  • Invoice limits cap usage per tier

Zip

  • It is a layer on top of systems you already pay for, so the business case rests on adoption and cycle time rather than replacing a licence, and that is harder to defend to a finance director cutting software spend.
  • Value depends entirely on integration depth into your specific ERP and ticketing tools, and a shallow connector reduces it to a workflow tool that someone rekeys out of.
  • Pricing is not published and is structured around company size and integration scope, so buyers cannot benchmark without peer references.
  • If procurement policy itself is unclear, Zip encodes the confusion: the tool routes requests according to rules someone must first write, and organisations without that clarity see slow implementations.
  • It does not do sourcing, auctions or spend analysis, so organisations expecting a full procurement capability will still need a suite or specialist tools alongside it.

Pricing, plan by plan

Holded

€7.5/month
  • Plus$7.5/month
    • 250 invoices per year
    • 1 connected bank
  • Basic$14.5/month
    • 1,000 invoices per year
    • 5 connected banks
    • 2 users plus advisory
  • Standard$29.5/month
    • 3,000 invoices per year
    • Unlimited banks
    • 4 users plus advisory
  • Advanced$49.5/month
    • 10,000 invoices per year
    • Unlimited banks
    • 7 users plus advisory

Zip

On request
  • Zip$undefined/year
    • Intake and approval orchestration
    • Vendor onboarding and diligence workflows
    • Integrations with ERP, contract and ticketing systems

Which should you pick?

Choose Holded if

Nothing in the data separates Holded from Zip on the points above - pick on price and on how each one feels to use.

Holded review

Choose Zip if

  • You need unified intake.
  • You work on Web, iOS.
  • You also want approval orchestration.
Zip review

Questions people ask

Is Holded or Zip better?
Neither clearly leads. Holded starts at €7.5/month and Zip at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Holded or Zip?
Holded starts at €7.5/month and Zip at On request.
Does Holded or Zip run on more platforms?
Holded runs on Web. Zip runs on Web, iOS.
What is Holded best used for?
Holded is most often used for managing bank reconciliation rules across multiple accounts, scaling from 250 to unlimited invoices annually as business grows, processing payroll and absences for teams of 5-50 people, managing stock across multiple warehouses for distribution. Of those, managing bank reconciliation rules across multiple accounts and scaling from 250 to unlimited invoices annually as business grows are not what Zip is typically brought in for.
What can Holded do that Zip cannot?
Zip covers Unified intake, Approval orchestration, Vendor onboarding, Contract repository.

Answered from the vendors’ own pages

Holded: Does Holded offer annual billing discounts?

Yes, Holded offers 50% discount for the first 3 months across all plans. Additionally, annual billing provides savings compared to monthly plans.

Source
Zip: Is this the buy now pay later company?

No. This is Zip at ziphq.com, a procurement orchestration platform, unrelated to the payments company of the same name.

Holded: What add-ons does Holded offer?

Holded offers optional add-on modules: Inventory (25 EUR/month), Team Pro (1.50 EUR per employee per month), Payroll (5 EUR per employee per month), and POS (25 EUR per store per month).

Source
Zip: Does it replace Coupa or Ariba?

No, and that is the point. It sits in front of them, providing the intake and approval experience employees actually use, and writes back into the suite.

Holded: What are the invoice limits per plan?

Invoice limits vary by plan: Plus (250/year), Basic (1,000/year), Standard (3,000/year), Advanced (10,000/year), and Premium (unlimited).

Source
Zip: What does it cost?

Not published. Quoted by company size, modules and the integrations you need. Get peer benchmarks before negotiating.

Zip: What is the prerequisite for success?

A written procurement policy. Zip automates the routing rules you give it; if nobody can say who approves what, implementation stalls.

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