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Getting paid, made simple.

Guides, data and news on late payment, credit control and getting Australian businesses paid faster.

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Penny, an AI credit controller in a PennyFlow t-shirt, chasing overdue invoices by phone, email and text, with paid invoices and a calendar of green ticks
Getting started
How Penny works: your AI credit controller, explained
What Penny actually does, how you set her up, and how you stay in control the whole way.
6 min read · 21 July 2026
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Latest
A business owner broadcasting automated messages that bounce back unanswered
Guides
Your accounting software doesn't have a cash-flow problem. It has a conversation problem.
You added the reminders, the late fees, the automated statements, and the same names still sit in your overdue column. The unpaid ones are not waiting for another notification. They are waiting for a conversation.
6 min read · 17 Jul 2026
A cautious business owner deciding how much control to give an AI over her money
Guides
Copilot vs Autopilot: how much control should you give AI over your money?
AI can now chase and even negotiate your invoices. The real question is not what it can do, but how much you should let it, and why the middle seat is the right one to start in.
7 min read · 17 Jul 2026
A business owner watching their customers' payments diverted through a third party that skims a cut
Guides
'Free' credit control isn't free: the price of letting someone else hold your money
A tool that chases your invoices for free sounds like an easy yes. Then you notice the free part is paid for somewhere, usually by routing your customers' payments through the provider and taking a slice of each one.
6 min read · 17 Jul 2026
A business owner stuck on one silent overdue invoice that ignores every message
Guides
The last mile of getting paid is a phone call
Software has made 80% of getting paid effortless. The invoices that ruin your month are the other 20%, the silent ones, and the last mile to collecting them is the one step almost no tool will take for you.
6 min read · 17 Jul 2026
A business owner printing identical chase letters with only the name changed
Guides
'Personalized' isn't personal: what a merge field can't do
Every chasing tool promises personalized reminders. Look closely and personalized usually means the customer's name pasted into the same message everyone else gets. Real personalization is a different thing.
5 min read · 17 Jul 2026
A frustrated business owner whose chase emails are being ignored
Guides
Reminder, email, or call: which invoice recovery method actually works?
Reminders, emails and calls each recover invoices, but not the same ones. Here is when each channel wins, and why the invoice itself should decide which one you use.
6 min read · 17 Jul 2026
A small business owner at a desk at night, surrounded by sticky-note reminders, awkwardly typing a chaser email
Guides
Why chasing invoices manually is quietly killing your cash flow
Doing your chasing by hand feels free. Forgotten follow-ups, awkward emails and inconsistency are the hidden tax, and it comes straight out of your cash flow.
6 min read · 16 Jul 2026

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