Decimal describes itself as an operational accounting firm: rather than only closing the books, it takes on the recurring tasks around them, such as bill pay, payroll coordination and the monthly close. The Master Report places Decimal among fractional and accounting firms priced at $1,000 to $5,000 and up per month; Decimal does not publish fixed tiers as of September 2026. LedgerBPO is an owner-operated accounting and billing BPO founded in 2020. It provides a named accountant, a backup and a team lead working inside the client's own QuickBooks Online, Xero, Zoho Books or Sage file. The team covers bookkeeping, invoicing, receivables follow-up, client-branded billing calls, accounts payable, reconciliation and month-end close across the US, UK, Canada and Australia.
Decimal vs LedgerBPO, side by side
| LedgerBPO | Decimal | Source | |
|---|---|---|---|
| Model | Named dedicated accountant working inside your own accounting software | Operational accounting firm handling bookkeeping, bill pay, payroll coordination and close | decimal.com, Sep 2026; Master Report 2026: Decimal |
| Pricing as published | Custom quote; depends on volume and scope | Not published as fixed tiers as of Sep 2026; fractional firm range $1,000 to $5,000 and up per month | decimal.com, Sep 2026; Master Report 2026 |
| Software | QuickBooks Online, Xero, Zoho Books, Sage; you keep the file | Supported ledgers not published as a fixed list on their site as of Sep 2026 | decimal.com, Sep 2026 |
| Dedicated staff | Named accountant, named backup, team lead who reviews every close | Firm team; per-client staffing and backup structure not published as of Sep 2026 | decimal.com, Sep 2026 |
| Invoicing and AR scope | Invoice creation, delivery, reminder cadences and cash application in scope | Not published as a standard line item as of Sep 2026 | decimal.com, Sep 2026 |
| Accounts payable | Bill capture, coding, approval routing and payment runs prepared; client releases every payment | Bill pay published as part of the operational accounting service; approval mechanics not detailed as of Sep 2026 | decimal.com, Sep 2026 |
| Billing calls | Client-branded inbound and outbound billing calls by the same team | Not offered as a published service | decimal.com, Sep 2026 |
| Countries served | US, UK, Canada, Australia | US small businesses | decimal.com, Sep 2026; Master Report 2026 |
| Stability and ownership | Owner-operated since 2020, month-to-month, no venture funding | Privately held US firm; funding and ownership details not published on their site as of Sep 2026 | decimal.com, Sep 2026 |
| Best for | SMBs that want books, invoicing, receivables and payables handled by one named team | US small businesses that want a firm to run bookkeeping, bill pay and payroll coordination | Editorial summary of the rows above |
Competitor facts as published on the dates shown. If something has changed, tell us on the corrections page.
Who should choose which
Choose LedgerBPO if
- You want receivables worked as hard as payables: invoices out, reminders sent, calls made.
- You want a named accountant and a named backup rather than a firm queue.
- You want a quote sized to your volume on a month-to-month agreement.
- You have entities in the UK, Canada or Australia as well as the US.
Choose Decimal if
- You want a US firm that takes on bill pay and payroll coordination with the books.
- You prefer a firm-level retainer with a broad operational scope built in.
- Your business is US-only and you do not need multi-country coverage.
Other providers worth a look
Acuity
US accounting firm offering bookkeeping, controller and CFO services with a modern software stack.
Bookkeeper360
US bookkeeping and advisory firm with a dashboard app and optional payroll, tax, AP and AR add-ons.
indinero
CPA-led bookkeeping, tax and fractional CFO bundles for small and mid-sized businesses.
Frequently asked questions
How much does Decimal cost compared with LedgerBPO?
Decimal does not publish fixed tiers as of September 2026; the Master Report places it with fractional and accounting firms at $1,000 to $5,000 and up per month. LedgerBPO does not publish a price because scope varies from bookkeeping to full receivables and payables operations. Pricing depends on volume and scope, and you get a custom quote within 1 business day.
What does operational accounting mean in practice?
Operational accounting means the provider runs the recurring finance tasks, such as paying vendor bills, coordinating payroll and closing the month, rather than only categorizing transactions after the fact. Decimal uses the term for its service (decimal.com, Sep 2026). LedgerBPO covers the same ground and adds the customer side: invoicing, reminder cadences, cash application and client-branded billing calls.
Does Decimal handle invoicing and receivables follow-up?
Decimal publishes bill pay, payroll coordination and close; invoicing and receivables follow-up are not published as standard line items as of September 2026 (decimal.com). LedgerBPO includes invoicing, reminders, cash application and billing calls in scope. If late-paying customers are the bigger problem, weight that row. The accounts receivable service page explains the cadence and the promise-to-pay log.
How is bill pay controlled with each provider?
With LedgerBPO the team captures bills, codes them, routes them for approval and prepares the payment run, but the client releases every payment; the team never moves money. Decimal publishes bill pay as part of its service but does not detail the approval mechanics on its site as of September 2026. Ask any provider who can release funds and how approvals are logged.
Which provider works in my existing accounting software?
LedgerBPO works inside the client's own QuickBooks Online, Xero, Zoho Books or Sage file and asks for a named user login so activity is traceable. Decimal does not publish a fixed list of supported ledgers as of September 2026, so confirm before signing. Keeping the file in your name means you can change providers without rebuilding history.
Sources
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