Penny is an AI credit controller for US businesses. She reads each customer and sends the right message at exactly the right moment. Connect Xero™ and she works every unpaid invoice, end to end. No templates, no chasing, no awkward calls for you.
AI voice calling is live in the United Kingdom and Australia. We are not offering it in the US yet, because US rules on automated and AI voice calls are strict and we would rather get that right than ship it early.
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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.
See the true state of your money the moment you log in, what Penny is doing right now, and the few things that actually need you.
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.
Decide the payment terms, the late fees, the chase cadence, and exactly how far Penny can go before she checks with you. She works inside your limits every time, so your chasing stays consistent and on your terms.
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 | ✓ | ✓ Penny agent |
| Negotiates replies & payment plans | ✗ | ✗ | ✓ | ✓ Penny agent |
| Phone calls that chase | ✗ | auto-dial | ✓ | on the roadmap |
| 24/7 · never forgets · never awkward | ✓ | ✓ | ✗ | ✓ |
| Typical cost / month | $99–$799 | $259–$1,169 | $1,200–3,200 | Free–$1,399+ 1% recovered |
| 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.
Competitor figures are their own published US prices, checked 30 July 2026. Paidnice Pro ($99–$799 by invoice volume; Essentials $69) and Chaser (Compact $259 to Complete $1,169). Both bill extras on top: Paidnice adds per-SMS and $29/mo per extra entity; on Chaser, phone-call follow-ups are a separate “Care” service from $447/mo. On PennyFlow, reminders are free, with a small fee only on what Penny recovers.
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 ($99–$1199) and adds the AI agent that reads replies and negotiates. On top: a 1% commission on the overdue Penny recovers (1.5% on Scale), billed monthly, so you pay more only when she gets you paid.
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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.