How white-label and direct-billing pricing actually differ
The per-client rate above is the same regardless of model — the difference is who bills whom. In the white-label model, CPA Overflow invoices your firm at the published rate, and you set your own price to the client — keeping the margin between what you charge and what you pay us. In the direct-billing model, we invoice the client directly at the same rate, and you keep the tax and advisory relationship without the bookkeeping billing running through your firm at all.
What actually determines a client's tier
| Factor | Simple ($200) | Standard ($400) | Complex ($750) |
|---|---|---|---|
| Monthly transactions | Up to 100 | Up to 300 | 500+ |
| Bank/credit accounts | 1-2 | Multiple | Multiple, multi-entity |
| AP/AR management | Not included | Bills & invoicing | Full AP/AR |
| Reporting | P&L, Balance Sheet | Tax-ready monthly close | Custom, job costing |
How this compares to buying bookkeeping directly
Direct-to-consumer platforms like Pilot, Bookkeeper360, and Xendoo publish similar-looking monthly rates (roughly $350–$1,000/month depending on the provider and tier), but those rates are for an individual business buying bookkeeping for itself — not a CPA firm managing a portfolio of clients under its own brand. See our full alternatives comparison for the breakdown by provider.
Frequently asked questions
How much does outsourced bookkeeping cost per client?
CPA Overflow's published starting rates are $200/client/month for simple clients (up to 100 transactions/month), $400/client/month for standard clients (up to 300 transactions/month), and $750/client/month for complex, high-volume clients (500+ transactions/month, multiple entities). Every engagement is custom-quoted.
Is white-label bookkeeping more expensive than direct billing?
The per-client rate is the same either way. The difference is who bills whom: in white-label, CPA Overflow bills your firm and you bill your client (keeping your margin); in direct billing, CPA Overflow bills the client directly and you keep the tax and advisory relationship.
What determines whether a client is simple, standard, or complex?
Primarily monthly transaction volume, number of bank and credit accounts, whether accounts payable/receivable management is needed, number of entities, and whether custom or job-costing reports are required.