“Can a small regional accountancy practice scale revenue and client retention by wrapping traditional bookkeeping and tax services in digital-first tools (Xero, GoCardless, Virtual CFO) targeted at South Wales and Bristol SMBs?”
TotalBooks is a UK-based digital accountancy and bookkeeping practice led by AAT-licensed accountant Buhir Rafiq, serving SMBs across South Wales and Bristol. It has evolved from a traditional bookkeeping firm into a 'digital accountancy and virtual finance director' offering, positioning itself around cloud accounting (Xero) and outsourced CFO services. The firm adopted GoCardless to tackle late payments — a common pain point for small accountancy practices — and uses Xero as its central cloud platform. The embedded finance footprint is minimal; the firm is a consumer of fintech tools rather than a distributor of embedded finance.
TotalBooks connects to bank accounts through Gocardless.
TotalBooks integrates with Xero.
The Embedded Finance Index 2026 maps 2 layers in TotalBooks's stack: Open banking (Gocardless); Accounting (Xero).
TotalBooks was founded by Buhir Rafiq (MAAT) and is headquartered in Cardiff, Wales, UK.
Get a read on where your own stack stands against TotalBooks and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.