An ecommerce brand under $5 million has a narrow set of real options for outsourced bookkeeping, and the deciding factor is almost never price. It is whether the provider handles inventory and cost of goods sold, and whether they will put you on accrual without charging you into a custom plan. Five providers publish enough detail to evaluate. Here is what each one commits to.
1. Finaloop
Finaloop replaces your accounting software rather than sitting on top of it. Its own copy is direct about this: it replaces the software, the outsourced bookkeeper, and most of the spreadsheets in between, including QuickBooks and Xero. That is either the main attraction or a dealbreaker, depending on how attached your accountant is to the ledger they already know.
The inventory story is the strongest of the five. Every plan tracks cost of goods sold, with automated FIFO COGS and inventory, accrual or cash flexibility, three-way sales reconciliation from order to payout to bank, landed cost, purchase orders, bills of materials, and multi-warehouse support. An InventoryIQ add-on layers on operational depth. Integrations cover Shopify, Amazon, TikTok, Walmart, eBay, Etsy, Facebook, and Instagram, plus roughly ninety third-party logistics and warehouse connections.
Pricing is mostly by quote. The one published number is a Starter plan at $245 a month for up to $1 million in annual gross revenue, with an eligibility gate stated in the FAQ: available to brands with up to $1 million in annual gross revenue that have been in business for four years or less. Full-Service and Platform plans are quoted after a 30-minute call. Finaloop says pricing typically lands 30 to 40 percent below other accounting firms, and notes that unusual situations carry fees ranging from two to four times the monthly subscription. Tax filing and fractional CFO are add-ons through a partner network. Sales tax is liability tracking, not filing. Finaloop says it is trusted by more than 2,500 consumer brands.
2. ecomBalance
ecomBalance is a service rather than a platform, and it runs inside accounting software you own. Its FAQ is unusually plain about that: it is important that you own your own QuickBooks Online or Xero account. Link My Books is included in the price.
Accrual is the default for the part that matters. The FAQ states that for ecommerce businesses, sales and cost of goods sold are reported on an accrual basis. The company is a registered Shopify Partner and an approved Amazon SP-API developer, with its own connector app rather than a third-party plugin, and its intake calculator lists Amazon, Shopify, Walmart, TikTok, eBay, Etsy, WooCommerce, and BigCommerce.
Pricing is not published. The site offers an estimator followed by a call, and states the structure openly: a fixed monthly price plus a fixed price for catch-up and cleanup work, priced on revenue, transaction count, account count, marketplace count, and complexity. There is a 10 percent discount for annual prepayment, a free first month, a three-month minimum, and 30-day cancellation notice.
The limit worth knowing up front, stated verbatim in their FAQ: they do not handle inventory or provide an inventory management service. They will update inventory in your financial statements as you provide the information. If your inventory count is a mess, this is not the provider that fixes it. They also do not file taxes or handle sales tax, working alongside your CPA instead.
3. Xendoo
Xendoo prices by monthly expenses, which is a cleaner proxy for workload than revenue is. Essential runs $395 a month, or $355 billed annually, covering up to $50,000 in monthly expenses across four bank and card accounts. Growth is $695 or $625 annually at up to $75,000 in monthly expenses. Scale is $995 or $895 at up to $125,000, with a custom chart of accounts and up to four integrations.
Channel coverage is the broadest published list of the five. Their FAQ names Shopify, Amazon, Wix, WooCommerce, BigCommerce, eBay, Etsy, Walmart, Facebook, Instagram, and TikTok. The stack is Xero or QuickBooks Online with A2X posting sales, fees, and COGS.
Read the accounting method line carefully. Essential is cash basis only. Growth and Scale offer cash or modified accrual. Full accrual requires a custom plan, as does anything above $125,000 in monthly expenses. For an inventory business, that pushes you up the ladder faster than the expense thresholds alone suggest. Catch-up bookkeeping starts at $295 a month, fractional CFO at $1,500 a month, business tax from $1,245 a year. Sales tax filing is not offered as a service.
4. Bookkeeper360
Bookkeeper360 prices by how often your books close rather than by size. Monthly close is $399 a month and weekly close is $599, both listed as starting prices, both offering cash or accrual accounting. Onboarding and prior bookkeeping is $1,000 per project.
The add-on menu is the reason to look here. Payroll administration is $200 a month, sales tax is $125 a month, and back-office including inventory management is $150 a month. On the advisory side, fractional CFO is $2,000 a month, a twelve-month budget is $2,000 per project, and a three-year forecast is $10,000. Business tax filing starts at $1,000 a year.
Ecommerce coverage is narrower than the others. The pricing page names A2X and Amazon, Shopify, Stripe, PayPal, Bill.com, Gusto, Ramp, and Brex; the services pages add Square. Walmart, eBay, TikTok Shop, and Etsy are not named. If you sell across five marketplaces, ask before you sign.
5. Webgility Full Service Bookkeeping
Webgility is better known as sync software, and its bookkeeping service is the platform plus a team. It starts at $649 a month with the platform included, which makes it the most expensive published entry point on this list and the broadest in scope.
What that covers, per its own pricing page: ecommerce channel and payout reconciliation, inventory reconciliation and COGS review, accounts payable including 1099s, payroll management including federal, state, and local tax filing through Gusto, sales tax nexus review, filing and remittance through TaxCloud, balance sheet and cash flow statements, cash position and a 13-week forecast, and budget versus actual reporting.
It is the only one of the five that files sales tax and runs payroll as part of the engagement. Integrations reach Shopify, WooCommerce, BigCommerce, Magento, Wix, Amazon, Walmart, eBay, Etsy, TikTok Shop, Shopify POS, Lightspeed, and Square, posting to QuickBooks Online, QuickBooks Enterprise, Intuit Enterprise Suite, or Xero. A one-time Ecommerce Books Cleanup runs from $249.
The comparison nobody makes
Before you sign any of these, price the alternative honestly. The Bureau of Labor Statistics Occupational Outlook Handbook, updated August 27, 2026, puts 2025 median pay for bookkeeping, accounting, and auditing clerks at $50,670 a year, with the retail trade median at $45,830. Loaded with payroll taxes and benefits, a full-time in-house bookkeeper runs meaningfully above $60,000.
Against that, $399 a month is $4,788 a year and $649 a month is $7,788. Outsourced bookkeeping is not competing with a salary. It is competing with the fraction of a salary you would spend, or with your own weekends.
Two questions to ask on every call
Will you put me on accrual, and at what price? This is the question that separates the five. IRS Publication 538 states that if you must account for an inventory in your business, you must use an accrual method for purchases and sales, with an exception for small business taxpayers averaging $26 million or less in gross receipts over the three prior tax years. Some providers include accrual at the entry tier. At least one makes full accrual a custom plan.
Who owns the ledger if this ends? Two of the five run their own general ledger rather than QuickBooks or Xero. That is a real advantage while the relationship works and a real migration project when it ends. Ask what an export looks like before you need one.
If you already have an accountant you trust who is not ecommerce-native, the third path is worth considering: keep them and add the marketplace tooling. Several vendors run programs that give accounting firms training, tooling, and referral economics on the ecommerce side, including one that pays participating firms recurring commissions rather than charging them for access. A good general accountant who learns your settlement reports usually beats a specialist who has never seen your business.
