The update turns the POS terminals from basic payment machines into complete business management tools for small and medium-sized enterprises (SMEs).

With this new feature, merchants can now handle every part of a sale, from selecting products to confirming payment, without switching between apps or devices. 

The update helps small business owners save time, simplify daily operations, and serve customers faster.

“Our goal has always been to help small businesses operate more efficiently,” said Nosa Oyegun, SVP, Business Banking at Kuda. 

“With Shop & Orders, we are transforming the POS into a connected sales management tool that allows merchants to handle payments, track inventory, and manage orders in one place. It’s a practical way to help business owners focus less on administration and more on serving customers.”

The improvement is part of Kuda Business’s plan to build an all-in-one commerce platform for Nigerian entrepreneurs. In embedding business management directly into POS devices, Kuda aims to remove the need for separate systems that usually slow down operations.

According to the Small and Medium Enterprises Development Agency of Nigeria (SMEDAN), SMEs make up 96% of all businesses and 84% of total employment in Nigeria. However, many still depend on manual record-keeping and sales tracking. 

Kuda’s Shop & Orders feature helps bridge this gap by digitising sales processes and making daily operations more efficient.

“Technology should make business easier, not harder,” Oyegun added. “By putting key management tools on the POS terminal itself, we’re giving entrepreneurs one reliable place to run their shops. This is how we see the future of business banking in Africa — integrated, intuitive, and built around how merchants actually work.”

The Shop & Orders update is built for supermarkets, restaurants, and convenience stores, sectors that need quick and simple ways to manage sales. 

SMEs are currently looking for connected digital tools, and Kuda’s new solution provides just what they need, a smoother, all-in-one experience.

While other POS providers focus mainly on payments, Kuda POS terminals now let merchants sell, get paid, and manage sales in one place. The Shop & Orders update is available to all users of Kuda Business POS terminals across Nigeria.

In fact, over 60% of small businesses admit that switching between tools eats up more time than they realise; time better spent on growth. What you need are tools that do the heavy lifting for you.

Let’s get into the ring, where we’d find Zoho One and Microsoft 365. Think of them as two ringmasters, one stretching to us a full cast under one roof, the other offering a streamlined performance with heavyweight security and legacy strength.

Quick Comparison Table

Overview of Each Brand

Zoho One: Overview & Strengths

Zoho markets itself as the “all-in-one business suite.” It packs over 45 apps into one ecosystem including Zoho Writer, Zoho CRM, Books, People, Recruit and even Creator, its low-code platform. Every tool is built to work together, giving you centralised control without third-party patch-ups.

Microsoft 365: Overview & Strengths

Microsoft 365 centres on productivity. You get industry essentials—Word, Excel, PowerPoint, Outlook, Teams—plus OneDrive and SharePoint for storage and collaboration. Power Automate and Power Apps add flexibility, but to cover CRM, finance, or HR, you’ll rely on external tools like Dynamics 365.

Unleashing Nigeria’s Business Potential: The Cloud as a Catalyst for Growth

Feature-by-Feature Comparison

Pricing & Value for Money

Zoho keeps it straightforward: $37 per user/month (if all employees are subscribed), $90 for flexible licensing, $105 for enterprise features. One subscription covers the full suite.

Microsoft keeps it modular: Business Basic at $6; Business Standard at $12.50; Business Premium at $22; Copilot is an extra $30. You choose and pay only for the features you need, nothing more.

Ease of Use

Zoho’s strength is in its unified design. The dashboard keeps it simple, feeling like all apps were designed to live together.

Microsoft’s apps are widely recognised, most users know them. But switching between services can feel disjointed if you don’t have them tightly integrated.

App Integration & Compatibility

Zoho is great at internal integration with no APIs needed to make everything communicate. Custom workflows via Creator let you adapt tools to your needs.

Microsoft’s strengths lie in external compatibility. If your business already uses Exchange, SharePoint, or Azure, it slots in smoothly. But bridging to non-Microsoft tools can bring complexity.

Collaboration Tools

Zoho provides Cliq for chat, Meeting for video, real-time editing in Writer/Sheet, and a single dashboard to manage it all.

Microsoft brings Teams for chat/video, OneDrive and SharePoint for file collaboration, and in-suite co-authoring. It leads in collaboration polish, though Zoho’s improvements are closing the gap.

Storage & Data Management

Zoho keeps it all in one roof, you manage storage from a single control panel.

Microsoft lets you choose—OneDrive per user, SharePoint for team libraries. This is more flexible but may require admin effort to set up and optimise.

Security & Compliance

Zoho offers encryption, MFA, and compliance with GDPR, HIPAA, and ISO-27001. Decent for most small businesses.

Microsoft gives enterprise-grade protection including encryption, MFA, plus FedRAMP, Defender, Intune, and Purview. If regulatory control is essential, Microsoft is the safer bet.

Scalability & Growth Potential

Zoho scales horizontally—just add users, apps adapt. Its single platform simplifies growth.

Microsoft scales vertically—add to your stack as needs evolve. It can easily transition from SMB to enterprise scale, especially for teams already embedded in Microsoft’s ecosystem.

Pros & Cons Table

Zoho One

• Pros: All-in-one pricing, broad app suite, seamless internal integration, no third-party dependency.
• Cons: No offline apps, niche compared to Microsoft’s App familiarity, pricing jumps for flexible licensing.

Microsoft 365

• Pros: Familiar tools, offline/desktop access, unmatched security and compliance, strong collaboration, scalable.
• Cons: You pay per feature, peripheral business tools must be added, ecosystem complexity may overwhelm small teams.

User Experience & Reviews

Platforms like Gartner rate Zoho Workplace at 4.6/5: ease of use 4.7, value 4.6, support 4.5; collaboration 8.8/10. Customers commend its affordability, unified dashboard, and simplicity.

Microsoft 365 follows with 4.5/5: ease of use 4.5, value 4.3, support 4.3; collaboration 9.3/10. Users highlight familiarity and strong collaboration, but point to occasional patchiness in external integrations and support.

Verdict: Which Should Your Small Business Choose Between Zoho and Microsoft 365?

Choose Zoho One
If you want one platform that does everything—HR, sales, projects, finance, marketing—in one ecosystem. You’ll appreciate the simplicity, cost-efficiency, and seamless internal workflows.

Choose Microsoft 365
If your priorities are polished productivity apps, collaboration tools, offline access, and enterprise-grade security. It’s the choice for businesses already comfortable in Microsoft’s world or preparing to scale securely.

So…

Running your small business shouldn’t feel like solving a Rubik’s Cube blindfolded. Test both: Zoho gives you breadth; Microsoft gives you depth. Use their free trials (15–30 days for Zoho and one month for Microsoft 365) to assess what fits your workflow.