Top BPO Companies in the World
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Featured
What are Featured Providers?
$1,000+< $25 / hr1,000 - 9,999Chicago, ILServices provided
See all 28 projectsHugo Inc. | Top CX Provider is an outsourcing company specializing in customer experience (CX) and support services. The company consistently receives high praise for its effective project management and adaptability, with 100% of reviewers noting the team's ability to seamlessly integrate into existing operations. Approximately 70% of the feedback highlights the company's impressive cultural fit and commitment to quality, with measurable outcomes like increased efficiency and customer satisfaction.
$1,000+< $25 / hr1,000 - 9,999Angeles, PhilippinesServices provided
See all 7 projectsConnext is a versatile outsourcing agency providing call center, accounting, and business process management services. Reviews indicate a strong focus on client alignment, effective recruitment, and seamless integration into clients' workflows, with over 85% of feedback emphasizing their impressive hiring speed and communication. Clients appreciate their proactive approach and dedication to long-term partnerships, although some suggest enhanced employee training.
$1,000+< $25 / hr50 - 249Sofia, BulgariaServices provided
See all 9 projectsMarKam Solutions is a versatile outsourcing provider specializing in technical support, sales, operations, and customer service. Across multiple reviews, clients commend their professional management, alignment with company values, and ability to meet budget constraints. With over 90% positive feedback, MarKam Solutions is praised for their adaptability, responsiveness, and the strategic impact on metrics such as customer satisfaction and sales growth.
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$1,000+Undisclosed50 - 249
Services provided
Factur is a Content Marketing company. Headquartered in Indianapolis, Indiana and Plano, Texas, the team focuses on Content Marketing and Search Engine Optimization.
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$1,000+$50 - $99 / hr250 - 999Richmond, Canada
Services provided
Glen Group is a Commercial Development company established in 2015. The team provides Commercial Development and Customer Service Outsourcing and is based in Richmond, Canada and Surrey, Canada.
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Featured
What are Featured Providers?
$100,000+Undisclosed10,000+Singapore, SingaporeServices provided
See all 12 projectsTDCX is a prominent business process outsourcing (BPO) company that specializes in providing global quality evaluations, customer support, and scalable operations solutions across various sectors such as hospitality, social media, fintech, and e-commerce. Clients frequently praise TDCX for their agility, reliability, and exceptional communication skills, with a focus on collaborative and innovative problem-solving approaches. Approximately 95% of feedback highlights their ability to consistently exceed expectations and deliver high-quality service, with numerous clients noting their impressive capacity for scaling operations without compromising quality. Some areas for improvement mentioned include exploring more competitive costing and flexible remote work options. Overall, TDCX maintains a strong reputation as a reliable and effective partner in enhancing customer experience and operational efficiency.
UndisclosedUndisclosed250 - 999Torreón, MexicoServices provided
See all 24 projectsRemote Team Solutions is a staffing company specializing in recruiting and managing remote teams across various industries. The reviews highlight their strength in sourcing talent that aligns with company cultures, with approximately 100% of reviewers commending their dedication and professionalism. Clients consistently appreciate their responsive communication and timely project management, though a few noted the hiring process could sometimes be rushed.
$1,000+< $25 / hr50 - 249Portland, ORServices provided
See all 18 projectsTECHSPEED INC is a data management and business process outsourcing company, excelling in services like data entry, data cleaning, and customer support. Their reviews reveal an impressive track record of responsive project management and adaptability, with 100% of reviewers expressing satisfaction and no identified areas for improvement. Notably, clients highlight their efficiency, proactive communication, and ability to handle complex data projects with precision.
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$10,000+Undisclosed50 - 249Swatar, Malta
Services provided
Bizcuits Solutions LTD is a Back Office Outsourcing company. Founded in 2024, the firm specializes in Back Office Outsourcing and Customer Service Outsourcing.
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$10,000+Undisclosed2 - 9Lake Oswego, OR
Services provided
Business Consulting company Maramba Consulting is in Lake Oswego, Oregon. They provide Business Consulting and CRM consulting and SI and were launched in 2017.
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UndisclosedUndisclosed10 - 49Newark, DE
Services provided
See all 1 projectsBaaraku specializes in Web 2 and Web 3 development and IT specialist sourcing. The reviews highlight their excellent communication, detailed implementation, and strong company culture. Clients appreciate their considerate project management and alignment with company values, noting that Baaraku offers good value for cost.
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UndisclosedUndisclosed10 - 49Barcelona, Spain
Services provided
Translation company Ontranslation is headquartered in Barcelona, Spain. Established in 2010, the team provides Translation and Content Marketing.
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$10,000+< $25 / hr50 - 249Kolkata, India
Services provided
VirtualMens is a Kolkata, India-based answering service. They offer Call Center Services and Search Engine Optimization and were established in 2016.
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Undisclosed< $25 / hrFreelancerDelhi, India
Services provided
Optimal Lists is an Advertising company. The firm is based in Delhi, India. Their services include Advertising and Email Marketing.
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$5,000+$50 - $99 / hr2 - 9santurtzi, Spain
Services provided
Data Comunicación is a small call center based in santurtzi, Spain. The team focuses on Call Center Services and Digital Strategy.
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$1,000+$25 - $49 / hr10 - 49
Services provided
Founded in 2013, Senew Tech is an Email Marketing company. The agency specializes in Email Marketing and CRM consulting and SI.
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$1,000+$25 - $49 / hr10 - 49Islamabad, Pakistan
Services provided
Dyanmowebs is an answering service company. Their small team is headquartered in Islamabad, Pakistan and offers Call Center Services and Search Engine Optimization. The agency was established in
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$1,000+$50 - $99 / hr10 - 49Cape Town, South Africa
Services provided
Industrial Growth Hub is a software development company established in 2023. The firm specializes in Custom Software Development and Web Development, and is small.
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$1,000+< $25 / hr2 - 9
Services provided
Beltalk Technologies Pvt Ltd is an IT managed services company. Their team is in New Town, India and Sheridan, Wyoming and specializes in IT managed services and Call Center Services.
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$5,000+< $25 / hr2 - 9Kanpur, India
Services provided
GLOBAL UNITED SERVICES, a phone answering service, focuses on Call Center Services and Marketing Strategy. The firm is in Kanpur, India.
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$1,000+$25 - $49 / hr2 - 9Kolkata, India
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Headquartered in Kolkata, India, SoftPointZone Infotech Pvt Ltd is an e-commerce development firm. They focus on E-Commerce Development and Web Development.
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UndisclosedUndisclosed10 - 49Newberry, MI
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Digit-it is a print design company. Located in Newberry, Michigan, their small team offers Print Design and Commercial Printing. The firm was founded in 2010.
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UndisclosedUndisclosed10 - 49
Services provided
Navier - RevOps & Growth is a Business Consulting company established in 2023. The firm offers Business Consulting and Sales Outsourcing, and is small.
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UndisclosedUndisclosed10 - 49
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Founded in 2022, SendtoWin is a Marketing Strategy company. The firm provides Marketing Strategy and Digital Strategy, and is small.
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UndisclosedUndisclosed250 - 999New York, NY
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Midsize Cybersecurity company Atlantic Tomorrow's Office, is headquartered in New York, New York and Tarrytown, New York. Their services include Cybersecurity and IT managed services.
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$5,000+Undisclosed2 - 9
Services provided
Sales Excellence Boutique is a Corporate Training & Coaching company. They provide Corporate Training & Coaching and Sales Outsourcing and were launched in 2023.
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$5,000+$25 - $49 / hr10 - 49Vilnius, Lithuania
Services provided
Pralo is an ERP consulting and SI company launched in 1994. The small team focuses on ERP consulting and SI and Custom Software Development.
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$5,000+$100 - $149 / hr10 - 49Coweta, OK
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VIP Technology Solutions Group is an IT managed services company. The small Coweta, Oklahoma-based team provides IT managed services and Call Center Services. The agency was founded in 1994.
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$25,000+< $25 / hr10 - 49
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CODE STEW is a call center company launched in 2022. The team offers Call Center Services and Web Development and is headquartered in Zirakpur, India.
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$1,000+$25 - $49 / hr10 - 49Dubai, United Arab Emirates
Services provided
Twerlo AI is a Dubai, United Arab Emirates-based artificial intelligence development company. Their services include Artificial Intelligence and Call Center Services.
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$1,000+< $25 / hr10 - 49Reston, VA
Services provided
Hms USA Medical billing company is a small Business Consulting company launched in 2019. Their team focuses on Business Consulting and Customer Service Outsourcing.
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$1,000+$25 - $49 / hr10 - 49Cedar Park, TX
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Other Marketing company newell starks offers Other Marketing and Commercial Property Management. They were founded in 1990.
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UndisclosedUndisclosed10 - 49
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Unify Dropshipping is an Email Marketing company established in 1999. The agency specializes in Email Marketing and Search Engine Optimization, and is small.
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UndisclosedUndisclosed10 - 49
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KRAUSS Neukundengewinnung, a Demand Generation Marketing company, is located in Landsberg am Lech, Germany. The team focuses on Demand Generation Marketing and Performance Marketing.
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$1,000+< $25 / hr10 - 49
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Assist World, a small social media marketing agency, is in USA, Oregon. The team provides Social Media Marketing and Call Center Services.
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UndisclosedUndisclosed10 - 49
Services provided
Anchor Locksmith Store is a Business Consulting company established in 1976. In Crofton, Maryland, the team offers Business Consulting and Back Office Outsourcing.
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Undisclosed$50 - $99 / hr50 - 249Hyderabad, India
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Rize, a midsize Back Office Outsourcing company, is based in Hyderabad, India and Charlotte, North Carolina. Their services include Back Office Outsourcing and IT strategy consulting.
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UndisclosedUndisclosedFreelancerAllen, TX
Services provided
The Virtual Link is an Allen, Texas-based Back Office Outsourcing company. The team provides Back Office Outsourcing and Branding.
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UndisclosedUndisclosedFreelancerAnnapolis, MD
Services provided
Usa plumbing pro is a Customer Service Outsourcing company. Based in Annapolis, Maryland, the company was launched in 2022. Their team provides Customer Service Outsourcing and Advertising.
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UndisclosedUndisclosed50 - 249
Services provided
Prima Properties Buying & Selling Company is a Business Consulting company launched in 2014. Their services include Business Consulting and Commercial Brokerage Services.
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Undisclosed< $25 / hr50 - 249
Services provided
Staffing company Virtual MeDx, LLC was launched in 2023. The agency specializes in Staffing and Call Center Services.
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$5,000+$25 - $49 / hr50 - 249Dubai, United Arab Emirates
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DAR AL TAQA Building & Construction Materials and Wood Supplier in UAE is a Building Security Services company. Launched in 2021, the team offers Building Security Services and Contract
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UndisclosedUndisclosed50 - 249Houston, TX
Services provided
ReVisionz is a Digital Asset Management company. Founded in 2001, their team focuses on Digital Asset Management and Business Consulting.
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UndisclosedUndisclosed50 - 249Mumbai, India
Services provided
Iy Enterprise is a Business Consulting company. The company is located in Mumbai, India. Their team focuses on Business Consulting and Translation.
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$50,000+$25 - $49 / hr50 - 249
Services provided
KW Albania is a midsize Commercial Brokerage Services company. Established in 2021, the team offers Commercial Brokerage Services and Commercial Property Management.
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UndisclosedUndisclosedFreelancerMumbai, India
Services provided
Customer Service Outsourcing company Polygomma was launched in 2012. The team focuses on Customer Service Outsourcing and is based in Mumbai, India.
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$1,000+Undisclosed50 - 249
Services provided
SolvIT Inc. Is a midsize Rochester Hills, Michigan-based answering service company. Their services include Call Center Services and IT managed services.
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$1,000+< $25 / hr2 - 9Schönefeld, Germany
Services provided
Recruiting company SuperbHire is located in Schönefeld, Germany. They specialize in Recruiting and Back Office Outsourcing.
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UndisclosedUndisclosed50 - 249Dublin, Ireland
Services provided
PCG Media Group is a print design company. Their team is in Dublin, Ireland and Stevenage, England. The firm specializes in Print Design and Direct Marketing.
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Undisclosed< $25 / hr50 - 249
Services provided
AskSunday Virtual Assistants, a social media marketing company, was established in 2007. The midsize team specializes in Social Media Marketing and Search Engine Optimization.
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$5,000+$50 - $99 / hr10 - 49Subang Jaya, Malaysia
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Kalsym Systems , an Application Management & Support company, was founded in 2012. The small team specializes in Application Management & Support and API Development.
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Undisclosed$25 - $49 / hrFreelancer
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GisMapX is a small big data analytics company. Founded in 2025, the team specializes in BI & big data consulting & SI and Application Management & Support.
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$5,000+Undisclosed2 - 9
Services provided
See all 1 projects101 Agencies is a marketing services provider specializing in lead generation and email campaigns. The feedback is overwhelmingly negative, with 100% of reviewers expressing dissatisfaction. Common themes include unmet expectations, lack of communication, and unfulfilled promises. Notably, 100% of reviewers report an unprofessional experience and outcomes that failed to meet project objectives.
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$1,000+$100 - $149 / hr10 - 49
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Vworker is a SEO company. Their small team is located in Lahore, Pakistan and Portland, Oregon. Their services include Search Engine Optimization and Web Design.
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$1,000+$25 - $49 / hr10 - 49
Services provided
Click2Conversion, a Marketing Strategy company, is headquartered in Noida, India and Roanoke, Texas. They provide Marketing Strategy and Content Marketing and were established in 2018.
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$5,000+$25 - $49 / hr50 - 249Itasca, IL
Services provided
Integrative Systems is a midsize IT managed services company headquartered in Itasca, Illinois and Pune, India. Their services include IT managed services and IT staff augmentation.
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Get My MatchesWhy Trust Clutch
At Clutch, we believe trust is the foundation of every business relationship. Our mission is to help buyers make confident, data-backed decisions informed by real client experiences.
Every review on Clutch undergoes a rigorous, human-led verification process to make sure it’s valid. Our team of specialists confirms the identity of each reviewer, ensures the project is legitimate, and only publishes reviews that meet our strict criteria.
Verification doesn’t stop at the point of publication. Our Trust & Safety team routinely audits older reviews against our guidelines. When reviews fall short of our standards, we remove them.
We evaluate service providers using a structured methodology that combines:
- In-depth client interviews and ratings
- Comprehensive project details
- Market presence
- Portfolio examples and industry recognition
This data powers tools like the Leaders Matrix, which helps you compare agencies directly. Our research team curates rankings by weighing verified reviews most heavily, so the most trusted and experienced providers rise to the top.
Using this unique combination of verified client feedback and provider-supplied insights, Clutch distills the most important details into clear, digestible summaries so you have everything you need to make confident, informed decisions quickly.
We take fraud seriously. Providers who violate our guidelines may face lower rankings, restricted visibility, or removal from the platform altogether.
Clutch’s commitment to transparency is ongoing. We’re constantly refining our systems to protect the integrity of reviews and support you in finding the right agency.
Compare Top 15 Business Processing Outsourcing (BPO) Companies & Services
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$1,000+< $25 / hr250 - 999Portland, OR
Ability to deliver
39/40.019.2/20 Reviews10/10 Clients & Experience9.8/10 Market PresenceService focus
100% Back Office Outsourcing -
$1,000+< $25 / hr1,000 - 9,999Hollywood, FL
Ability to deliver
39/40.020/20 Reviews10/10 Clients & Experience9/10 Market PresenceService focus
75% Back Office Outsourcing25% Other -
$1,000+< $25 / hr1,000 - 9,999Gilbert, AZ
Ability to deliver
37.6/40.018/20 Reviews10/10 Clients & Experience9.6/10 Market PresenceService focus
55% Back Office Outsourcing45% Other -
$1,000+$25 - $49 / hr250 - 999Oakville, Canada
Ability to deliver
39.4/40.019.4/20 Reviews10/10 Clients & Experience10/10 Market PresenceService focus
80% Back Office Outsourcing20% Other -
UndisclosedUndisclosed1,000 - 9,999Los Angeles, CA
Ability to deliver
37.1/40.019.6/20 Reviews10/10 Clients & Experience7.5/10 Market PresenceService focus
100% Back Office Outsourcing -
$10,000+< $25 / hr250 - 999San Pablo City, Philippines
Ability to deliver
36.7/40.018/20 Reviews10/10 Clients & Experience8.7/10 Market PresenceService focus
90% Back Office Outsourcing10% Other -
$1,000+< $25 / hr250 - 999Dnipro, Ukraine
Ability to deliver
36.6/40.017/20 Reviews10/10 Clients & Experience9.6/10 Market PresenceService focus
100% Back Office Outsourcing -
$5,000+< $25 / hr1,000 - 9,999Lexington, KY
Ability to deliver
36.5/40.016.8/20 Reviews10/10 Clients & Experience9.7/10 Market PresenceService focus
80% Back Office Outsourcing20% Other -
$1,000+Undisclosed1,000 - 9,999New York, NY
Ability to deliver
36.2/40.020/20 Reviews10/10 Clients & Experience6.2/10 Market PresenceService focus
100% Back Office Outsourcing -
UndisclosedUndisclosed250 - 999
Ability to deliver
36/40.019.4/20 Reviews8.3/10 Clients & Experience8.2/10 Market PresenceService focus
80% Back Office Outsourcing20% Other -
$5,000+< $25 / hr1,000 - 9,999Kyiv, Ukraine
Ability to deliver
35.8/40.019.6/20 Reviews9/10 Clients & Experience7.2/10 Market PresenceService focus
100% Back Office Outsourcing -
$1,000+< $25 / hr50 - 249Chicago, IL
Ability to deliver
35.8/40.017/20 Reviews9.5/10 Clients & Experience9.3/10 Market PresenceService focus
100% Back Office Outsourcing -
$1,000+< $25 / hr1,000 - 9,999Chicago, IL
Ability to deliver
35.5/40.016.6/20 Reviews9.4/10 Clients & Experience9.5/10 Market PresenceService focus
70% Back Office Outsourcing30% Other -
$1,000+Undisclosed1,000 - 9,999Santa Monica, CA
Ability to deliver
35.4/40.015.8/20 Reviews10/10 Clients & Experience9.6/10 Market PresenceService focus
80% Back Office Outsourcing20% Other -
$1,000+< $25 / hr50 - 249Berkeley, CA
Ability to deliver
35.4/40.017.2/20 Reviews9.2/10 Clients & Experience9/10 Market PresenceService focus
100% Back Office Outsourcing -
Undisclosed< $25 / hr1,000 - 9,999Boise, ID
Ability to deliver
35.3/40.015.8/20 Reviews10/10 Clients & Experience9.5/10 Market PresenceService focus
80% Back Office Outsourcing20% Other -
$1,000+$25 - $49 / hr250 - 999Orlando, FL
Ability to deliver
35.3/40.016.2/20 Reviews10/10 Clients & Experience9.1/10 Market PresenceService focus
90% Back Office Outsourcing10% Other -
$1,000+< $25 / hr1,000 - 9,999Angeles, Philippines
Ability to deliver
35.2/40.016.8/20 Reviews10/10 Clients & Experience8.4/10 Market PresenceService focus
50% Back Office Outsourcing50% Other -
$1,000+< $25 / hr250 - 999Afton, WY
Ability to deliver
35.2/40.018.6/20 Reviews7.1/10 Clients & Experience9.5/10 Market PresenceService focus
90% Back Office Outsourcing10% Other -
$1,000+< $25 / hr250 - 999Doylestown, PA
Ability to deliver
35.1/40.017.4/20 Reviews8.7/10 Clients & Experience9/10 Market PresenceService focus
100% Back Office Outsourcing -
$1,000+Undisclosed250 - 999Brooklyn, NY
Ability to deliver
34.8/40.020/20 Reviews8.6/10 Clients & Experience6.2/10 Market PresenceService focus
75% Back Office Outsourcing25% Other -
$1,000+< $25 / hr50 - 249Kyiv, Ukraine
Ability to deliver
36.8/40.017.6/20 Reviews10/10 Clients & Experience9.2/10 Market PresenceService focus
90% Back Office Outsourcing10% Other -
$5,000+< $25 / hr1,000 - 9,999Cebu City, Philippines
Ability to deliver
34.5/40.018/20 Reviews10/10 Clients & Experience6.5/10 Market PresenceService focus
80% Back Office Outsourcing20% Other -
$1,000+< $25 / hr1,000 - 9,999Wilmington, DE
Ability to deliver
34.4/40.020/20 Reviews4.6/10 Clients & Experience9.8/10 Market PresenceService focus
75% Back Office Outsourcing25% Other -
$1,000+< $25 / hr250 - 999
Ability to deliver
34.3/40.016.6/20 Reviews7.9/10 Clients & Experience9.7/10 Market PresenceService focus
90% Back Office Outsourcing10% Other -
$10,000+< $25 / hr10,000+Pasig, Philippines
Ability to deliver
34.2/40.014.6/20 Reviews10/10 Clients & Experience9.6/10 Market PresenceService focus
100% Back Office Outsourcing -
$50,000+< $25 / hr10,000+Wei Fang Shi, China
Ability to deliver
34.1/40.015.8/20 Reviews10/10 Clients & Experience8.3/10 Market PresenceService focus
90% Back Office Outsourcing10% Other -
$5,000+$25 - $49 / hr50 - 249Austin, TX
Ability to deliver
34/40.017.2/20 Reviews10/10 Clients & Experience6.8/10 Market PresenceService focus
100% Back Office Outsourcing -
$5,000+$50 - $99 / hr250 - 999Calgary, Canada
Ability to deliver
33.8/40.016.4/20 Reviews9.8/10 Clients & Experience7.6/10 Market PresenceService focus
100% Back Office Outsourcing -
$5,000+Undisclosed50 - 249Laguna Beach, CA
Ability to deliver
39.6/40.020/20 Reviews10/10 Clients & Experience9.6/10 Market PresenceService focus
90% Back Office Outsourcing10% Other
Latest BPO Articles
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How to Choose a 3PL: 5 Mistakes E-Commerce Brands Make
Learn how to choose a 3PL that fits your channel mix, avoids hidden costs, and scales with your brand. Real selection criteria, and top providers compared.
Business Process Outsourcing Company FAQs
Looking for a BPO company but not sure where to start? Explore the top questions businesses are asking when looking for a BPO partner.
Clutch selects top-performing companies twice a year based on a proprietary methodology that evaluates industry expertise and the ability to deliver. The highest-rated BPO companies for Fall 2025 include:
A BPO company handles specific business processes such as customer support, payroll, data entry, or IT help desk on behalf of another organization. Acting as an extension of your team, the provider supplies trained staff, technology, and workflows to deliver those services at scale. This lets your in-house employees focus on core competencies while the BPO partner manages repeatable, back-office or customer-facing tasks with agreed-upon service-level agreements (SLAs).
BPO agencies typically cover three broad categories:
- Back-office support: data processing, accounting, HR administration, procurement
- Front-office support: call center operations, technical support, live chat, appointment setting
- Specialized or industry-specific processes: medical billing, legal transcription, mortgage processing
Many firms also bundle technology solutions such as CRM integrations, AI chatbots, and robotic process automation (RPA) to streamline workflows and improve accuracy.
Pricing varies by location, complexity, and volume. On Clutch, most projects start around $1,000 per month for simple data entry but can exceed $50,000 per month for multi-channel customer support. Hourly rates typically range from $8–$25 in offshore markets and $25–$60 in onshore markets. Always request a detailed cost breakdown (labor, technology, management fees) and clarify whether pricing is per FTE (full-time equivalent) or per transaction.
- Define goals: Identify the processes you want to outsource and the KPIs that matter (e.g., first-call resolution, turnaround time).
- Check domain expertise: Look for providers with proven results in your industry or process area.
- Review client feedback: Verified Clutch reviews reveal performance, communication style, and reliability.
- Evaluate scalability: Ensure the partner can add or reduce headcount quickly as demand changes.
- Assess security & compliance: Confirm certifications (ISO, SOC 2, HIPAA) and data-protection measures . Shortlist three vendors and run a pilot project or proof of concept before signing a long-term agreement.
- Opaque pricing or hidden fees
- Overpromising guaranteed results without data
- High employee turnover or insufficient training programs
- Poor communication or delayed responses during the sales process
- Lack of documented security protocols or compliance certifications
If any of these issues surface early, reconsider the partnership.
- How do you measure and report on performance metrics?
- What is your average agent tenure and training process?
- Which industries or processes make up most of your portfolio?
- Can you share recent case studies or client references?
- How do you handle data security, compliance, and disaster recovery?
- What is the escalation process for quality issues or SLA breaches?
Clear, detailed answers indicate a mature, reliable partner.
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Onshore: Provider operates in the same country as the client—higher rates but easier collaboration and shared regulations.
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Nearshore: Services are delivered from a neighboring or nearby time zone—balanced costs and cultural alignment.
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Offshore: Operations are located in distant regions with lower labor costs—great for 24/7 coverage but may require more coordination.
They track cost savings, process accuracy, turnaround times, and customer satisfaction scores (CSAT or NPS). By comparing pre- and post-outsourcing metrics, clients can quantify improvements and calculate payback periods.