When comparing Xfce4 terminal vs ZOC Terminal, the Slant community recommends ZOC Terminal for most people. In the question“What are the best terminal emulators for Windows?” ZOC Terminal is ranked 5th while Xfce4 terminal is ranked 19th. The most important reason people chose ZOC Terminal is:
It's an actual terminal emulator (in the sense that it emulates a terminal) and not just a local console window app.
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Pros

Pro Good for systems with low specs
Like other applications included in the Xfce package, this terminal emulator is very lightweight and doesn't require many resources to run. This makes it perfect for systems that have low specs.
Pro True transparency
You can set the transparency of the Xfce4 terminal on any amount you want, out of the box.
Pro Tabs support
Xfce4 fully supports tabs and tab-based navigation.
Pro Almost everything is customizable
You can configure size, color, background, etc.
Pro Composition effects
Xfce4 terminal takes advantage of xfce composition effects.
Pro Fast rendering
Pro Can be switched to a drop-down terminal
You can configure the Xfce-terminal to act as a dropdown terminal if you want, which makes for greater ease of use.
Pro An actual "Terminal Emulator"
It's an actual terminal emulator (in the sense that it emulates a terminal) and not just a local console window app.
Pro Modern look
ZOC has a modern design.
Pro Scriptable
Zoc provides complete automation of the client using its macro scripting.

Pro Flexibility in platform support
Originally developed for OS/2 (as Zap-O-Comm), Zoc is currently available for Windows and Macintosh.
Pro Can view and send to all sessions at once
Offers a thumbnail view of all session in thumbnails and type commands to all sessions at the same time.

Pro Supports serial and dial-up connections
In addition to telnet, ssh, and rlogin, ZOC supports direct serial connections, modem dialing, and named pipes.
Pro Tabbed sessions allows for easy navigation
Tabbed sessions mean that multiple items can be contained within a single window and can be easily navigated by the user.

Pro Hideable UI
Zoc allows for every UI component except the title bar to be hidden. All features are accessible through the context menu.
Pro Auto-Highlight feature
Feature to search for text bits in the data stream and highlight them with color/background.
Cons
Con Cannot set text color for character under cursor to background color
Suppose you have a dark background with a light cursor and light foreground color: the light cursor will cover up whatever character it is on, so that you cannot read it. There is no option to set the foreground color for the character under the cursor to what is normally the background color. Such an option would allow you to read the character under the cursor.
Con Execution in xfce4-terminal - e mode is not always functional
Con Resizing text resizes window
Con No profiles
There's no profiles or profile-based customization in Xfce-terminal.
Con Can't scroll on spamming text
When text generates too fast, you can't scroll it, so you just can't read anything in such moments.
Con Does not support sixel images
Con Hard to configure
It does not detect the installed shells (PowerShell, CMD, etc) automatically.
Con Options creep
It has so many options that it's hard to find the one you need.
Con Not free
Zoc requires a commercial license in order to use it, implying that it's not free.
