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 - 249Portland, ORServices provided
See all 18 projectsTECHSPEED INC is a data management and business process outsourcing company specializing in data cleaning, entry, and analysis. The reviews reveal a consistent theme of high satisfaction, with 100% praising their project management, adaptability, and responsiveness, while no areas for improvement were noted. They are commended for their ability to efficiently handle large-scale data tasks and maintain excellent communication, offering great value for cost.
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$5,000+$150 - $199 / hr2 - 9Dublin, Ireland
Services provided
Springboard IQ is a Dublin, Ireland-based Business Consulting company. The team provides Business Consulting and Sales Outsourcing.
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$10,000+$25 - $49 / hr10 - 49Chennai, India
Services provided
Pi-Systems, an IT staff augmentation company, offers IT staff augmentation and Low/No Code Development. The company is based in Chennai, India.
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Featured
What are Featured Providers?
$5,000+< $25 / hr1,000 - 9,999Cebu City, PhilippinesServices provided
Select VoiceCom is a customer service and sales outsourcing company praised for its ability to enhance client operations through effective team staffing and management. Across reviews, 100% highlight their exemplary project management and communication, often going above expectations. Approximately 85% of reviews mention their cultural alignment and responsiveness, while results include increased sales, customer satisfaction, and overall efficiency.
$1,000+Undisclosed250 - 999Brooklyn, NYServices provided
See all 68 projectsTop Customer Service is a company specializing in customer support and content writing services. Across various businesses, from digital marketing to auto detailing and construction, they received overwhelmingly positive feedback, with over 90% of clients praising their professionalism, effective communication, and ability to enhance customer interaction. Notably, 80% of reviewers highlighted their responsiveness and brand representation, underlining their commitment to client satisfaction and operational improvement.
$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+< $25 / hr250 - 999
Services provided
See all 1 projectsWHAT WE DO: Cordatus Resource Group helps mid-market companies scale operations, reduce costs, and overcome labor shortages by providing customized Business Process Outsourcing (BPO) and automation
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UndisclosedUndisclosed250 - 999Cairo, Egypt
Services provided
Leader Investment Group - LIG is a midsize IT strategy consulting company. Established in 2009, the team provides IT strategy consulting and BI & big data consulting & SI.
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UndisclosedUndisclosed250 - 999Sydney, Australia
Services provided
Launched in 2008, optiBPO is a Business Consulting company. The firm provides Business Consulting and Other Marketing.
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$1,000+Undisclosed250 - 999Calgary, Canada
Services provided
Konica Minolta Business Solutions Canada is a Calgary, Canada-based cloud consulting & SI company. They specialize in cloud consulting & SI and IT managed services and were launched in 2003.
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$5,000+$50 - $99 / hr250 - 999
Services provided
Atomic North is a Noida, India-based IT managed services company. Established in 2010, the team provides IT managed services and Application Management & Support.
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Featured
What are Featured Providers?
$100,000+Undisclosed10,000+Singapore, SingaporeServices provided
See all 12 projectsTDCX is a business process outsourcing company specializing in customer service, technical support, and risk assessment across diverse industries, primarily in the APAC region. The company receives consistently positive feedback, with reviews highlighting their scalability, efficient communication, and proactive problem-solving capabilities. Clients appreciate their ability to adapt quickly to changes and deliver high-quality outcomes, with approximately 90% of feedback being positive.
UndisclosedUndisclosed250 - 999Torreón, MexicoServices provided
See all 23 projectsRemote Team Solutions is a staffing and recruitment agency focused on providing high-quality remote team members across various sectors. With consistently positive feedback, 100% of reviewers highlight the company's professionalism, culture fit, and value for cost. Clients praise their responsiveness, trustworthiness, and ability to exceed expectations, with many emphasizing successful outcomes and long-term partnerships.
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UndisclosedUndisclosed250 - 999Basel, Switzerland
Services provided
Business Consulting company FRISTA was founded in 2016. Based in Basel, Switzerland and Warszawa, Poland, the team focuses on Business Consulting and Fractional CFO Services.
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$1,000+Undisclosed250 - 999Makati City, Philippines
Services provided
Yempo Solutions, a Finance & Accounting Outsourcing (FAO) company, was launched in 2014. The agency provides Finance & Accounting Outsourcing (FAO) and IT managed services, and is midsize.
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UndisclosedUndisclosed250 - 999
Services provided
Established in 2015, Solutions Ireland is a Business Consulting company. Their services include Business Consulting and Call Center Services.
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UndisclosedUndisclosedFreelancer
Services provided
ApexBridge Outsourcing offers specialized services in managing accounts receivables and payables, with a focus on enhancing financial transaction accuracy and regulatory compliance. Their reviews highlight a team of highly skilled professionals who deliver timely solutions and innovative strategies to optimize business processes, earning praise for their effective communication and seamless integration with client operations. ApexBridge Outsourcing is noted for its strong work ethic and valuable resources.
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UndisclosedUndisclosedFreelancerMjølkeråen, Norway
Services provided
Small social media marketing firm Novabyte media, is in Mjølkeråen, Norway. The team provides Social Media Marketing and Conversion Optimization.
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$1,000+$100 - $149 / hrFreelancerWien, Austria
Services provided
Mint Waters GmbH, a Business Consulting company, is headquartered in Wien, Austria. They provide Business Consulting and Sales Outsourcing.
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Undisclosed$50 - $99 / hrFreelancerPlainfield, IN
Services provided
CallPilot Automation, a call center service, focus on Call Center Services and AI Agents. They were launched in 2025.
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$5,000+$25 - $49 / hrFreelancer
Services provided
Nag Genie is an answering service company. Headquartered in Maplewood, New Jersey, the firm focuses on Call Center Services and Back Office Outsourcing.
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$1,000+$25 - $49 / hrFreelancerSasni, India
Services provided
Established in 2026, Velmora is an answering service company. The team focuses on Call Center Services and AI Agents.
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UndisclosedUndisclosed2 - 9Virginia Beach, VA
Services provided
A. Bruce Williams & Associates is a small Virginia Beach, Virginia-based Advertising company. Their services include Advertising and Marketing Strategy.
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$1,000+< $25 / hrFreelancer
Services provided
Located in Edappadi, India, BeProFreelanceServices is a small social media marketing firm. The team provides Social Media Marketing and Email Marketing.
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$1,000+< $25 / hrFreelancer
Services provided
The Best Design is a branding firm. The firm is in Higueruela, Spain. Their services include Branding and Email Marketing.
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Undisclosed$25 - $49 / hr2 - 9Addis Ababa, Ethiopia
Services provided
See all 1 projectsChainlinx Technologies specializes in ERP development and web solutions, as evidenced by their work for a coffee import and export company in Ethiopia. Their reviews highlight exceptional project management, timely delivery, and strong communication skills. Clients consistently commend their professionalism, responsiveness, and ability to tailor solutions to specific business needs, emphasizing Chainlinx Technologies' expertise in delivering high-quality, scalable systems.
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$10,000+$50 - $99 / hr2 - 9Pamiers, France
Services provided
See all 1 projectsSoftDeveloper specializes in website design and redevelopment, offering modern and efficient solutions tailored to clients' needs. Reviews highlight the company's professional developers and the value for money, noting that while there was a slight project delay, the final results were impressive and met client expectations with added improvements.
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$1,000+$50 - $99 / hr2 - 9
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Wow Search Digital Marketing Services is a SEO agency. The agency is in Milton Keynes, England. Their team offers Search Engine Optimization and Web Design.
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$1,000+$100 - $149 / hr2 - 9
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TREVORS | CONSULTING is a small St. Louis, Missouri-based Advertising company. The team offers Advertising and Branding.
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$1,000+< $25 / hr2 - 9San Fernando, Philippines
Services provided
The Outer Solutions is a Commercial Property Management company founded in 2015. The company offers Commercial Property Management and Back Office Outsourcing.
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Undisclosed$25 - $49 / hr2 - 9Mumbai, India
Services provided
Accounting company Signatax Solutions was established in 2020. The small team specializes in Accounting and Finance & Accounting Outsourcing (FAO).
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$1,000+$50 - $99 / hr2 - 9Chișinău, Moldova
Services provided
Accounting company Zelda was founded in 2016. Headquartered in Chișinău, Moldova and Brașov, Romania, the team offers Accounting and HR Consulting.
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$50,000+$200 - $300 / hr2 - 9Houston, TX
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NextLevel Consulting is a small Houston, Texas-based Logistics & Supply Chain Consulting company. The team focuses on Logistics & Supply Chain Consulting and Business Consulting.
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$5,000+$25 - $49 / hr2 - 9Chennai, India
Services provided
Tri-Deck Technologies is a Dublin, Ireland-based website development firm. The team offers Web Development and Application Management & Support.
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UndisclosedUndisclosed2 - 9
Services provided
UDEXMEDIA (M) SDN. BHD. Is a Digital Strategy company. Their small team is based in PAGOH, Malaysia. Their services include Digital Strategy and Affiliate Marketing.
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$10,000+$25 - $49 / hr2 - 9
Services provided
QuickInsights is a data analytics company. The Mexico City, Mexico-based firm specializes in BI & big data consulting & SI and Web Development.
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$1,000+$25 - $49 / hr2 - 9Wrocław, Poland
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RSA Devs is a HR Consulting company. Founded in 2022, their team provides HR Consulting and IT staff augmentation.
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UndisclosedUndisclosed2 - 9Beograd, Serbia
Services provided
TrustVera, a Market Research company, is in Beograd, Serbia. Established in 2022, the team focuses on Market Research and Marketing Strategy.
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$25,000+$300+ / hr2 - 9Docklands, Australia
Services provided
Launch IT Systems is an ERP consulting and SI company. They were established in 2022 and provide ERP consulting and SI and IT managed services.
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$5,000+Undisclosed2 - 9New York, NY
Services provided
Headquartered in New York, New York, LatitudeBOX is a social media marketing agency. Established in 2020, the team provides Social Media Marketing and Content Marketing.
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$5,000+$100 - $149 / hr2 - 9
Services provided
Based in Mudanya, Türkiye, Processtailor is a Business Consulting company. The team offers Business Consulting and Architectural Design.
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$5,000+$200 - $300 / hr2 - 9Wailea-Makena, HI
Services provided
Stellarus Group is an IT strategy consulting company. The Wailea-Makena, Hawaii-based agency specializes in IT strategy consulting and BI & big data consulting & SI.
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$1,000+$150 - $199 / hr2 - 9Lancaster, TX
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Business Consulting company Know Know specializes in Business Consulting and Document Digitization & Management. They are in Lancaster, Texas.
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UndisclosedUndisclosed2 - 9
Services provided
Tanjil Digital studio is an Email Marketing company. They are based in Bhola, Bangladesh and Bhola, Bangladesh. Their team specializes in Email Marketing and Search Engine Optimization.
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$1,000+$25 - $49 / hr2 - 9Dehradun, India
Services provided
Small Digital Strategy company SolveGIG, is headquartered in Dehradun, India. Their services include Digital Strategy and Search Engine Optimization.
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$5,000+$100 - $149 / hr2 - 9
Services provided
MHT Digital is an Advertising company. Their team is located in London, England. The company offers Advertising and Marketing Strategy.
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$1,000+< $25 / hr2 - 9Kolkata, India
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Web design agency Webzive specializes in Web Design and Pay Per Click. They are located in Kolkata, India.
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$1,000+< $25 / hr2 - 9
Services provided
Established in 2018, aBetterX is a small Dhaka, Bangladesh-based Email Marketing company. Their services include Email Marketing and Social Media Marketing.
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$5,000+< $25 / hr2 - 9
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Market Research company Fisemarco Research was established in 2020. The team focuses on Market Research and Business Consulting and is headquartered in Tallinn, Estonia and London, England.
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UndisclosedUndisclosed2 - 9
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Woods Marketing is a branding firm. Their small team is headquartered in San Diego, California and specializes in Branding and Marketing Strategy. The company was founded in 2022.
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$1,000+$50 - $99 / hr2 - 9Guwahati, India
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Datazen Global is an Email Marketing company. Founded in 2018, the team offers Email Marketing and Direct Marketing. The agency is based in Guwahati, India and Bangalore, India.
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UndisclosedUndisclosed2 - 9
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Digi Mind Software & Lab Services is a social media marketing agency founded in 2001. The agency focuses on Social Media Marketing and Other Digital Marketing, and is small.
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$1,000+< $25 / hr2 - 9Chennai, India
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Launched in 2018, Athee Tech Biz zone Pvt Ltd. Is a small Chennai, India-based Business Consulting company. Their team provides Business Consulting and Digital Strategy.
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$1,000+< $25 / hr2 - 9Bengaluru, India
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In Bengaluru, India and East Rochester, New York, Japan Grab Technologies is a social media marketing agency. They specialize in Social Media Marketing and UX/UI Design and were established in 2023.
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UndisclosedUndisclosed2 - 9Kingston, Canada
Services provided
Maple Leads is a web development company. The Kingston, Canada-based team offers Web Development and Advertising.
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$1,000+< $25 / hr2 - 9
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Primazones is a Market Research company. The West Palm Beach, Florida-based company specializes in Market Research and Pay Per Click.
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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.
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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.
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Compare Top 15 Business Processing Outsourcing (BPO) Companies & Services
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$1,000+< $25 / hr1,000 - 9,999Wilmington, DE
Ability to deliver
35.8/40.020/20 Reviews9.6/10 Clients & Experience6.2/10 Market PresenceService focus
75% Back Office Outsourcing25% Other -
$1,000+< $25 / hr250 - 999Portland, OR
Ability to deliver
35.4/40.019.2/20 Reviews10/10 Clients & Experience6.2/10 Market PresenceService focus
100% Back Office Outsourcing -
$1,000+< $25 / hr1,000 - 9,999Hollywood, FL
Ability to deliver
35.3/40.020/20 Reviews10/10 Clients & Experience5.3/10 Market PresenceService focus
75% Back Office Outsourcing25% Other -
$5,000+< $25 / hr1,000 - 9,999Kyiv, Ukraine
Ability to deliver
33.9/40.019.8/20 Reviews9/10 Clients & Experience5.2/10 Market PresenceService focus
100% Back Office Outsourcing -
$1,000+< $25 / hr1,000 - 9,999Gilbert, AZ
Ability to deliver
33.7/40.018/20 Reviews10/10 Clients & Experience5.7/10 Market PresenceService focus
60% Back Office Outsourcing40% Other -
$1,000+$25 - $49 / hr250 - 999Oakville, Canada
Ability to deliver
35.2/40.019.4/20 Reviews10/10 Clients & Experience5.9/10 Market PresenceService focus
80% Back Office Outsourcing20% Other -
$5,000+< $25 / hr50 - 249Cairo, Egypt
Ability to deliver
32.7/40.017.8/20 Reviews10/10 Clients & Experience4.9/10 Market PresenceService focus
100% Back Office Outsourcing -
$10,000+< $25 / hr250 - 999San Pablo City, Philippines
Ability to deliver
32.3/40.018.2/20 Reviews10/10 Clients & Experience4.1/10 Market PresenceService focus
90% Back Office Outsourcing10% Other -
$1,000+< $25 / hr1,000 - 9,999Angeles, Philippines
Ability to deliver
32.2/40.017/20 Reviews10/10 Clients & Experience5.2/10 Market PresenceService focus
50% Back Office Outsourcing50% Other -
$1,000+< $25 / hr50 - 249Berkeley, CA
Ability to deliver
32.1/40.017.2/20 Reviews9.2/10 Clients & Experience5.7/10 Market PresenceService focus
100% Back Office Outsourcing -
$5,000+< $25 / hr1,000 - 9,999Lexington, KY
Ability to deliver
32/40.016.8/20 Reviews10/10 Clients & Experience5.2/10 Market PresenceService focus
80% Back Office Outsourcing20% Other -
$1,000+< $25 / hr250 - 999Dnipro, Ukraine
Ability to deliver
32/40.016.4/20 Reviews10/10 Clients & Experience5.6/10 Market PresenceService focus
100% Back Office Outsourcing -
Undisclosed< $25 / hr1,000 - 9,999Boise, ID
Ability to deliver
31.8/40.015.8/20 Reviews10/10 Clients & Experience6/10 Market PresenceService focus
80% Back Office Outsourcing20% Other -
UndisclosedUndisclosed1,000 - 9,999Los Angeles, CA
Ability to deliver
31.7/40.016.6/20 Reviews10/10 Clients & Experience5.1/10 Market PresenceService focus
100% Back Office Outsourcing -
$1,000+< $25 / hr250 - 999Doylestown, PA
Ability to deliver
31.5/40.017.4/20 Reviews8.7/10 Clients & Experience5.4/10 Market PresenceService focus
100% Back Office Outsourcing -
$1,000+$25 - $49 / hr250 - 999Orlando, FL
Ability to deliver
31.3/40.016.2/20 Reviews10/10 Clients & Experience5.1/10 Market PresenceService focus
90% Back Office Outsourcing10% Other -
$1,000+Undisclosed1,000 - 9,999Santa Monica, CA
Ability to deliver
31.3/40.015.8/20 Reviews10/10 Clients & Experience5.5/10 Market PresenceService focus
80% Back Office Outsourcing20% Other -
$1,000+< $25 / hr1,000 - 9,999Chicago, IL
Ability to deliver
31.2/40.016.6/20 Reviews9.4/10 Clients & Experience5.2/10 Market PresenceService focus
70% Back Office Outsourcing30% Other -
$1,000+< $25 / hr250 - 999Afton, WY
Ability to deliver
31.2/40.018.6/20 Reviews7.1/10 Clients & Experience5.5/10 Market PresenceService focus
90% Back Office Outsourcing10% Other -
$1,000+< $25 / hr250 - 999Amsterdam, Netherlands
Ability to deliver
31.1/40.016.2/20 Reviews10/10 Clients & Experience4.9/10 Market PresenceService focus
100% Back Office Outsourcing -
$5,000+$50 - $99 / hr250 - 999Calgary, Canada
Ability to deliver
31.1/40.016.4/20 Reviews9.8/10 Clients & Experience4.9/10 Market PresenceService focus
100% Back Office Outsourcing -
$25,000+Undisclosed1,000 - 9,999Sofia, Bulgaria
Ability to deliver
31/40.016.2/20 Reviews9.7/10 Clients & Experience5.2/10 Market PresenceService focus
75% Back Office Outsourcing25% Other -
$1,000+< $25 / hr50 - 249Chicago, IL
Ability to deliver
31/40.016.2/20 Reviews9.5/10 Clients & Experience5.3/10 Market PresenceService focus
100% Back Office Outsourcing -
$1,000+< $25 / hr1,000 - 9,999
Ability to deliver
30.9/40.017/20 Reviews10/10 Clients & Experience3.9/10 Market PresenceService focus
100% Back Office Outsourcing -
$1,000+< $25 / hr50 - 249Kyiv, Ukraine
Ability to deliver
32.8/40.017.8/20 Reviews10/10 Clients & Experience5/10 Market PresenceService focus
90% Back Office Outsourcing10% Other -
$5,000+< $25 / hr250 - 999Miami Beach, FL
Ability to deliver
30.8/40.016/20 Reviews9.6/10 Clients & Experience5.2/10 Market PresenceService focus
100% Back Office Outsourcing -
$5,000+$25 - $49 / hr50 - 249Austin, TX
Ability to deliver
30.7/40.017.2/20 Reviews10/10 Clients & Experience3.5/10 Market PresenceService focus
100% Back Office Outsourcing -
UndisclosedUndisclosed250 - 999
Ability to deliver
30.5/40.016.8/20 Reviews8.3/10 Clients & Experience5.3/10 Market PresenceService focus
80% Back Office Outsourcing20% Other -
$1,000+< $25 / hr250 - 999București, Romania
Ability to deliver
30.3/40.017/20 Reviews8.2/10 Clients & Experience5.1/10 Market PresenceService focus
85% Back Office Outsourcing15% Other -
$1,000+< $25 / hr1,000 - 9,999
Ability to deliver
30.1/40.016.2/20 Reviews9.6/10 Clients & Experience4.3/10 Market PresenceService focus
61% Back Office Outsourcing39% Other
Latest BPO Articles
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![How to Create a Corporate Training Budget [With Template] cover image](https://images-dev.clutch.co/clutch-static-staging/image/resize/715x400/s3fs-public/article/f8cb0a8fb8e36a14ff257e02ce8b9475.jpg)
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.