SAP Reviews, Ratings & Features 2026 | Gartner Peer Insights

Gartner defines the invoice-to-cash (I2C) applications market as cloud-based applications that enable corporate controllers to automatically manage collections and apply customer payments to invoices. I2C applications typically gather, disseminate, track and analyze data from and to internal and external sources. They make I2C processes more efficient and effective, including managing and monitoring deductions, disputes and credit risk. They also typically can ensure invoices are delivered to customers and that customers have options to pay them. I2C applications enable I2C transaction processing across multiple ERP systems. Organizations use I2C applications to collect and apply customer payments to open invoices, perform credit and collections activities, manage deductions and disputes, and deliver and present invoices to customers for payment. I2C applications are cloud-based tools that provide organizations with a standard way of processing across ERPs, while creating flexibility for buyers in how they receive or access invoices as well as pay and dispute them. I2C applications allow an organization to connect and exchange data with multiple ERP systems and other operational tools, such as customer relationship management tools, as well as with partners such as credit and collections agencies, logistics providers, banks and payment service providers. They use data to determine credit risk, automate collections and cash applications activities as well as help manage the resolution of deductions and disputes. Such activities result in faster collection of cash, improved visibility to cash flow, an improved customer experience and reduced process cost.

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Find the top Invoice-to-Cash Applications with Gartner. Compare and filter by verified product reviews and choose the software that’s right for your organization.

Invoice-to-Cash Applications (Transitioning to Accounts Receivable Applications)

SAP Cloud ERP

DIRECTOR OF FINANCE

Takes a while to learn how to use the system but once familiar with it things go smoothly

<50M USD

50M - 250M USD

250M - 500M USD

500M - 1B USD

Gov't/PS/ED <5,000 Employees

1B - 3B USD

3B - 10B USD

10B - 30B USD

30B + USD

DIRECTOR OF AUDIT

Implementation sometimes did not go as expected to plan. The level of detail needed to perform transaction is more complex than it needs to be. Cash application was not working for at least 3 or 4 months post go-live. Had to extract data unless you know which reports to use and very specific report names, not to mention if you have even have the correct access. WHen you need service from SAP RISE team or other SAP support- it may take a while. 

DIRECTOR OF PARTNERSHIPS

Good experience. It promises good core capabilities and data consistency, but it's not something you can switch on and start using easily. Learning curve is high and needs expert consultants to implement or setup. 

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SAP was founded in 1972 and is headquartered in Walldorf, Germany. The company employs over 105,000 people globally and develops software solutions for enterprise resource planning (ERP) and related business functions. SAP’s early products, SAP R/2 and SAP R/3, were widely adopted for managing core business processes. Its current ERP platform, SAP S/4HANA, uses in-memory computing to support data-intensive operations and integrates capabilities such as artificial intelligence and machine learning.

SAP offers a portfolio of software applications that support various business functions across industries. These applications are designed to operate on a unified digital platform. As of 2025, SAP reports over 230 million cloud users and provides more than 100 solutions. The company’s offerings are used by organizations to manage finance, human resources, procurement, supply chain, and other operational areas.

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Elliott Management

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Favorable Review

High Learning Curve and Complexity in Change Management Impact Product Usability

Critical Review

Complex Transactions and Delayed Support Hinder Overall Implementation Experience

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