Penny is an AI credit controller for UK small businesses — your chasing tool and the person who runs it, in one. Connect your Xero and she works every unpaid invoice for you: the right message to each customer, and a real call to the ones who ignore everything else. One platform instead of software plus a hire — for less than the hire alone.
Penny works your late payers like your best credit controller would — only she never forgets, never feels awkward, and never sleeps.
One platform replaces your chasing software and the person you’d pay to run it.
Penny syncs live from Xero and puts the right action on every late invoice — a reminder, a text, a call, or a pause when something's disputed. You always see exactly where your money is.
Penny profiles every customer's payment behaviour — who's reliable, who's chronic, who's slipping — and adapts her tone and timing to each. The gentle nudge for the good ones, the firm follow-up for the rest.
From first reminder to agreed payment plan, Penny works each case herself — escalating, negotiating, pausing on disputes — and drops only the few that genuinely need you into one clear queue.
Collected, DSO, collection rate and cash-at-risk — the difference Penny makes to your numbers, in plain sight. Watch your days-to-pay fall month after month.
Most businesses pay for chasing software and someone to run it. Penny is both — the automation of a tool with the judgement of a credit controller, for less than the person alone.
| Paidnice | Chaser | VA / credit controller | PennyFlow | |
|---|---|---|---|---|
| Automated email & SMS reminders | ✓ | ✓ | manual | ✓ |
| Reads each customer & personalises | rules only | rules only | ✓ | ✓ AI agent |
| Negotiates replies & payment plans | — | — | ✓ | ✓ AI agent |
| Phone calls that chase | — | auto-dial | ✓ | ✓ AI Voice agent |
| 24/7 · never forgets · never awkward | ✓ | ✓ | — | ✓ |
| Typical cost / month | ~£78 | ~£199 | £800–2,000 | Free–£599 |
| What you’re really buying | a tool | a tool | a person | a tool + a person, in one |
Replace your chasing tool and the hours you’d pay someone — and get paid faster doing it.
Reminders are free, forever — unlimited. You pay for the part a person used to do: Penny negotiating replies and calling your late payers. And a small commission only on the money she actually gets in. Priced by your invoice volume — no bundles to count.
Reminders are free forever. Pro is priced by invoice volume (£49–£599) and adds the AI agent that negotiates and calls. On top: AI voice (£0.80/min) and a 1% commission on the overdue Penny recovers (1.5% on Scale), billed monthly — so you pay more only when she gets you paid.
Roll PennyFlow out across your client base, keep them out of the overdraft, and look like the hero — with attribution that credits you for every signup.
Join the waitlist and be first in when early access opens. No card, free to start.
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PennyFlow sends payment reminders as service messages relating to money you're owed, not marketing. Xero is a trademark of Xero Limited. Illustrative figures shown.
See Penny chase your real overdue invoices — connect Xero, watch her work, and walk away knowing exactly where your money is.