Duplo vs Decimal
Side-by-side comparison of AI visibility scores, market position, and capabilities
Nigerian B2B fintech automating payables, receivables, and expense management across 5 African countries; YC-backed multi-currency platform competing with Flutterwave for African B2B payments.
About
Duplo is a Nigerian B2B fintech company providing an integrated platform for African businesses to automate payables, receivables, and corporate expense management — enabling companies to pay suppliers via automated payment rails, collect from customers through digital payment links, and manage employee expense cards with controls and reporting. Founded in 2021 and backed by Y Combinator, Oui Capital, and Liquid 2 Ventures with $5.6 million raised, Duplo operates across Nigeria, Ghana, Kenya, Côte d'Ivoire, and South Africa with multi-currency support.\n\nDuplo's platform addresses the fragmented B2B payment infrastructure in African markets where businesses still rely heavily on bank transfers initiated through multiple bank portals, paper checks, and informal reconciliation processes. The accounts payable automation enables bulk payment uploads with approval workflows, the accounts receivable product generates payment links that customers pay via mobile money, bank transfer, or card, and the expense management product issues virtual and physical corporate cards with spend controls. The multi-currency support across USD, GBP, EUR, and local currencies addresses the cross-border payment needs of African businesses with international suppliers or customers.\n\nIn 2025, Duplo competes in the African B2B payments and financial operations market with Paystack (Stripe-acquired, primarily consumer payments), Flutterwave, and emerging B2B fintech platforms for African corporate payment automation. The African B2B payments market is substantially underserved by international platforms that don't integrate with local payment rails (M-Pesa, mobile money networks, local bank APIs) — Duplo's local-first approach provides the rail coverage that matters for African businesses. The 2025 strategy focuses on growing enterprise accounts (companies with 50+ employees processing significant payment volume), expanding geographic coverage across more African markets, and adding working capital and lending products that help businesses manage cash flow alongside payment operations.
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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