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Uplinq vs. Decimal

Compare · Decimal

Uplinq vs. Decimal

The reader is deciding between contracting directly with a single bookkeeping provider and engaging a locally owned firm that runs on Decimal's shared franchise infrastructure.

Both get the bookkeeping off your desk. This page lays out where they differ, dimension by dimension, so you can decide on the ones that matter to your business.

THE HONEST SUMMARY

Before the table, the fair version.

A comparison you can't trust isn't worth reading.
WHO THEY ARE

Decimal started in 2020 as an accounting firm for small and mid-sized businesses, growing through acquisitions including KPMG Spark (2022) and Facta Inc's accounting services business. In March 2026 it sold its direct services business to Numera and now operates as a franchisor, licensing its delivery infrastructure, technology, and playbooks to independently owned accounting firms. decimal.com still markets bookkeeping, tax, bill pay, and related services, routing SMB buyers to franchised local firms.

WHERE THEY'RE A GOOD FIT

Decimal is a strong fit for two groups. First, an accountant or firm owner who wants to own and run their own accounting practice rather than buy a bookkeeping service: Decimal's franchise model lets owners keep 100 percent of their equity, clients, and name on the door while Decimal supplies delivery teams, playbooks, and shared infrastructure. Second, an SMB that wants a named local firm relationship backed by broad back-office scope, including bill pay, invoicing, payroll support, and daily transaction matching rather than month-end-only work.

WHERE THE FIT BREAKS

An SMB buying through decimal.com today does not contract directly with Decimal; the engagement routes to an independently owned franchised firm running on Decimal's shared infrastructure. Decimal does not publish rates, tier thresholds, or an onboarding fee on its own site, so cost is not knowable before a sales call. Tax preparation is scoped in Decimal's own agreement to one US federal return and one US state return, and explicitly excludes verification of crypto asset amounts or transactions.

SIDE BY SIDE

The same eight dimensions we hold every comparison to.

Fixed rows. No cherry-picking.
Decimal
Uplinq
Service model
Hybrid and now two-layered: independently owned local franchise firms deliver bookkeeping, tax, bill pay, invoicing, payroll support, and advisory to SMBs, while Decimal Franchise Services supplies shared delivery teams, back-office operations, technology, and compliance support behind them.
AI engine with U.S.-based accountant oversight. Technology does the volume, professionals own the judgment.
Bookkeeping methodology
They state transactions are matched and verified daily so the financial picture is accurate through the month, with books closed on a consistent monthly schedule. Cash versus accrual basis is not stated on their site.
Cash or accrual from day one. Books close monthly and stay current between closes.
Tax filing
Sold as a separate service line under its own agreement, not bundled into bookkeeping. Covers preparation of one US federal business income tax return and one US state return, plus quarterly estimate forecasting. Excludes verification of crypto asset amounts.
Available on every plan. Business and personal filings handled by the team that already keeps your books.
Data accuracy mechanism
They state books are managed by experienced professional bookkeepers with daily activity on the account. No named review tier, credential requirement, or accuracy guarantee is published.
Every transaction is interpreted against your history and reviewed by accountants. Anomalies surface the day they appear.
Pricing structure
Pricing not published. They state fixed monthly pricing scoped to business size and needs, with no hourly billing, and direct prospects to request a quote on a call. Tax fees are set per an Order Form.
Published pricing from $300/mo, scoped to your business. No hourly billing, no surprise invoices.
Onboarding and migration
They state most clients are fully onboarded within two weeks, with Decimal handling setup, connecting to the client's existing accounting software, reviewing the books, and establishing processes.
A dedicated onboarding specialist imports your history, rebuilds your chart of accounts, and runs a verified first close.
Scalability path
No revenue, transaction, or entity-count ceiling is published. They position toward small and mid-sized businesses, including multi-location and manufacturing use cases, without stating an upgrade path.
One provider from lean cash-basis books to multi-entity consolidation. You never outgrow the system.
Support model
They state clients get direct access to a dedicated team by email or messenger with what they describe as fast response times. No numeric response-time commitment or support hours are published.
A named team you can reach directly, with responses within one business day.

Details are drawn from Decimal's public materials as of 2026-07-28, including its site-wide notice of the March 2026 sale of its direct services business to focus on franchising, and may have changed since retrieval.

WHERE THE GAP IS STRUCTURAL

Three differences that don't close with a feature release.

Most rows in a table are details. These three are the decision.
01

Who you actually contract with

In March 2026 Decimal sold its direct SMB services business, including its team and client relationships, to Numera, and now operates exclusively as a franchisor. A buyer signing up through decimal.com today is routed to an independently owned local firm, with Decimal Franchise Services supplying delivery teams, technology, and back-office operations behind that firm.

This matters because the contracting party, escalation path, and long-term continuity now depend on which franchised firm you are placed with, not on Decimal directly. There is no single national entity standing behind the engagement the way there was before the divestiture.

02

Price discovery

Decimal publishes no rate card, tier thresholds, or onboarding fee on its own site, for either its SMB service lines or its franchise offering. Every service page states a fixed monthly fee scoped to business size and needs, determined on a call, and the franchise site defers all investment and royalty figures to its Franchise Disclosure Document.

A buyer cannot compare cost before a sales conversation, and the figure a franchised firm quotes may vary by which firm you reach, since pricing is set consultatively rather than published as a fixed schedule.

03

Where the revenue and incentives sit

Decimal's own materials state that franchisees pay a royalty on gross revenue, which funds the shared infrastructure and network, and that Decimal's capacity scales with client count across the franchise system rather than with its own headcount serving clients directly.

This means Decimal is now paid by the firm owner operating the franchise, not by the SMB using the service. The SMB's contract, service commitments, and pricing sit with the local franchised firm, with Decimal's role limited to the platform running behind it.

ALREADY ON DECIMAL?

Switching costs less than staying mismatched.

Your history comes with you. The work of moving it is ours.
01
Export and connect. Week one. You share your existing statements and reports, connect your bank and card accounts, and meet your onboarding specialist. That is the extent of your job.
02
We rebuild and verify. Weeks two to three. We bring your history onto the Uplinq system, rebuild the chart of accounts around how your business actually runs, and reconcile it against your bank records.
03
First verified close. Month one. Your first month closes on Uplinq with accountant review, and you compare it against what you were getting before. Most businesses are fully switched within one cycle.
MOVING FROM DECIMAL

Decimal's tax services agreement states that records and work papers are retained for seven years from the applicable return due date, including extensions, that clients should request copies within that period, and that original records are returned to the client at the end of the engagement. No cancellation notice period or data export format is published.

» Behind on your books? Catch Up is scoped into onboarding.
PROOF

Trusted with the books of over 1,000 businesses.

Newsweek Greatest Startup Workplaces, 2026
Inc. 5000 Among America's fastest-growing private companies
1,000+ Organizations on Uplinq, across industries and entity structures
U.S.-based Professional accountants reviewing every set of books
QUESTIONS

What people ask when comparing.

01 Decimal sold its services business. Who actually does my bookkeeping if I sign up through decimal.com now? +

Decimal's own announcement states it sold its accounting firm in March 2026 to focus exclusively on franchising its platform to independent firms. Numera, backed by Astira Capital, announced on May 19, 2026 that it acquired Decimal's direct services business, including its team and client relationships, with Taylor Lund continuing to lead that team under the Numera brand. New engagements originating through decimal.com are now positioned as a local, independently owned Decimal franchise firm, with Decimal's delivery teams behind it handling the monthly close, daily transactional accounting, and client communication.

02 Does Uplinq include tax filing? +

Yes. Business and personal tax filings are available on every Uplinq plan, and tax strategy packages are available for businesses that want proactive planning. Because the same system holds your books and prepares your filings, year end is a handoff, not a project.

03 What will Decimal's bookkeeping cost, and does it publish rates? +

Decimal does not publish rates on its own site. Its service pages state a fixed monthly fee based on the business's size and needs, with no hourly billing or surprise charges, and direct prospects to contact them for a quote. Its tax services agreement states that fees are set out in a separate Order Form rather than a published rate card.

04 Who actually does the work at Uplinq, software or people? +

Both, deliberately. Uplinq's AI engine categorizes, reconciles, and monitors your transactions continuously. U.S.-based professional accountants review what the system produces and own every judgment call. You get the speed of technology with a real team accountable for the result.

05 Is business tax filing included with Decimal's bookkeeping, and what does it cover? +

Tax is a separate service line under its own agreement, not included with bookkeeping. Decimal states a business does not need to use its bookkeeping service to get tax services, and that its tax team can work with businesses whose books are already in order. It offers federal and state return preparation and quarterly estimated payment forecasting. Its own tax services agreement scopes preparation as one US federal business income tax return and one US state return, and explicitly excludes verification of amounts or values related to crypto assets or transactions.

06 What if my books are months behind? +

That's common, and it's a solved problem. Uplinq's Catch Up service rebuilds past months or years of books as part of onboarding, scoped to how far behind you are and the state of your records. You start clean, not from wherever your last provider left off.

07 Do I have to sign a long contract? +

No. Uplinq offers month-to-month agreements as well as annual plans, which carry a discount. If you prepay annually and choose not to renew, you simply give notice 30 days before the term ends.

THE ACTUAL DECISION

You're not choosing a bookkeeping vendor. You're choosing what your numbers are for.

The real question is whether you want a single directly contracted provider or a locally owned firm running on a shared national platform, since that changes who you are actually accountable to.

Feature checklists don't run a business. Clean, current, legible financials do. If that's the outcome you're buying, see what it looks like on your own books.