Chariot vs Decimal
Side-by-side comparison of AI visibility scores, market position, and capabilities
Nonprofit DAF payment network enabling one-click grants from Donor-Advised Fund accounts; doubled DAF revenue for adopting nonprofits with $11M Series A from Maveron and YC.
About
Chariot is a nonprofit payment network that connects donors to their Donor-Advised Fund (DAF) balances directly within nonprofit donation flows — using embedded DAFpay technology that allows nonprofits to accept DAF contributions without requiring donors to initiate a separate grant request from their sponsoring organization (Fidelity Charitable, Schwab Charitable, etc.). Founded in 2022 and backed by $11 million in Series A funding from Maveron, Y Combinator, and Spark Capital, Chariot addresses the friction that has historically made DAF giving slow and complex for donors and nonprofits alike.\n\nChariot's DAFpay button embeds in a nonprofit's existing donation checkout — donors select "DAF" as a payment method, authenticate with their DAF provider, and initiate a grant directly from their DAF account to the nonprofit in a streamlined flow similar to PayPal or credit card payments. This eliminates the manual process donors previously used (logging into their DAF portal separately, searching for the nonprofit, submitting a grant request, waiting for processing). In 2024, nonprofits using Chariot more than doubled their DAF revenue, with smaller organizations increasing their DAF revenue share to 15% — a 143% increase.\n\nIn 2025, Chariot operates in the rapidly growing DAF giving market — Donor-Advised Funds now hold over $250 billion in assets and represent one of the fastest-growing forms of charitable giving in the United States, but historically much of that money sits in DAF accounts rather than flowing to nonprofits. Chariot competes with DonorSearch, Double the Donation, and payment platforms adding DAF support for nonprofit donation optimization tools. The embedded DAFpay technology creates network effects as more nonprofits adopt it and more donors see DAF as a first-class giving option. The 2025 strategy focuses on growing nonprofit adoption across the US charitable sector and building DAF provider partnerships.
Tech-enabled bookkeeping pairing dedicated accountants with proprietary automation; flat monthly subscription; founded 2020 in Fishers, Indiana; faster close with full client transparency.
About
Decimal is a Fishers, Indiana-based technology-enabled bookkeeping company that provides small businesses with a dedicated accounting team and a modern software platform for a flat monthly subscription. Founded in 2020, Decimal was built to address the most common frustration of small business owners who have outgrown DIY bookkeeping but find traditional bookkeeping firms slow, expensive, and opaque. Decimal pairs each client with a dedicated bookkeeper and accounting team who are supported by proprietary software that automates routine transaction processing, exception identification, and reporting, allowing the human team to focus on accuracy review, month-end close, and client communication rather than manual data entry.\n\nDecimal's product experience centers on transparency and responsiveness. Clients access their books through a web portal with real-time financial dashboards showing cash position, profit and loss, and accounts receivable and payable balances. The platform includes a communication thread for each question or task, giving small business owners visibility into the status of their bookkeeping without email chains or phone tag. Decimal's pricing model is a flat monthly subscription based on business complexity rather than hours worked, making costs predictable and removing the billing anxiety that characterizes traditional bookkeeping relationships.\n\nDecimal targets small businesses with $500,000 to $10 million in annual revenue that need accurate, timely books and periodic financial guidance but are not yet ready for a full-time accounting hire or a CFO-level engagement. The company operates as a fully remote team and serves clients across the United States in industries including professional services, e-commerce, retail, and service businesses. Decimal competes with Bench, Pilot, and Botkeeper in the technology-enabled bookkeeping market, differentiating on its dedicated team model, the quality of its software-plus-human integration, and its Midwestern operational roots that keep its cost structure competitive.
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