https://wccftech.com/galaxy-s20-plus-64mp-no-optical-zoom-only-cropping/

According to a previously leaked specifications sheet, the Galaxy S20 and Galaxy S20 Plus are both expected to ship with a 12MP main sensor instead of a 108MP one like the Galaxy S20 Ultra but don’t write them off just yet. Firstly, the primary camera will likely use a new and bigger 1.8μm sensor that will be more proficient than the Galaxy Note 10 Plus’ sensor. Secondly, even though the two phones will supposedly not use the periscope zoom lens that will be on the Galaxy S20 Ultra for carrying out higher levels of zoom, they will rely on a higher resolution camera to achieve the same feat.

This suggestion comes from the tipster Ice Universe who claims that the 64MP S5KGW2 sensor belonging to both the Galaxy S20 and Galaxy S20 Plus will not output pixel-binned 4-in-1 16MP images and instead, it will use cropping for zooming. This means that the phones will feature lossless zooming instead of optical zooming. The claim has been backed up by leakster Max Weinbach, who also suggests the zoom will be about as good as optical zoom and users will not be able to tell the two apart.