---
description: Discover the benefits and disadvantages of PennyFlow.  Learn the software price, see the description, and read the most helpful reviews for UK business users. 
image: https://gdm-localsites-assets-gfprod.imgix.net/images/capterra/og_logo-e5a8c001ed0bd1bb922639230fcea71a.png?auto=format%2Cenhance%2Ccompress
title: PennyFlow Pricing, Cost & Reviews - Capterra UK 2026
---

Breadcrumb: [Home](/) > [Financial Services Software](/directory/31123/financial-services/software) > [PennyFlow](/software/1108416/PennyFlow)

# PennyFlow

Canonical: https://www.capterra.co.uk/software/1108416/PennyFlow

> PennyFlow is accounts receivable software that automates invoice chasing and payment collection for UK businesses using Xero.
> 
> Verdict: Rated \*\*\*\* by 0 users. Top-rated for **Overall Quality**.

-----

## Overview

### Who Uses PennyFlow?

UK SMEs \& Accountants who would like help with their credit control. PennyFlow can run AR end to end. Penny can help them chase overdue/late invoices. Connect your Xero and she starts chasing.

## About the vendor

- **Company**: PennyFlow

## Commercial Context

- **Starting Price**: £0.00
- **Pricing model**: Flat Rate (Free version available) (Free Trial)
- **Target Audience**: 11–50, 51–200, 201–500, 501–1,000, 1,001–5,000, 5,001–10,000, 10,000+
- **Deployment & Platforms**: Cloud, SaaS, Web-based, Mac (Desktop), Windows (Desktop), Linux (Desktop), Windows (On-Premise), Linux (On-Premise), Chromebook (Desktop), Android (Mobile), iPhone (Mobile), iPad (Mobile)
- **Supported Languages**: English
- **Available Countries**: United Kingdom

## Features

- Billing & Invoicing
- Financial Analysis
- Financial Management
- For Financial Institutions
- Forecasting
- Performance Management
- Reporting/Analytics
- Risk Management
- Transaction Monitoring

## Integrations (1 total)

- Xero

## Support Options

- Email/Help Desk
- FAQs/Forum
- Knowledge Base
- Phone Support
- 24/7 (Live rep)
- Chat

## Category

- [Financial Services Software](https://www.capterra.co.uk/directory/31123/financial-services/software)

## Related Categories

- [Financial Services Software](https://www.capterra.co.uk/directory/31123/financial-services/software)
- [Agentic AI](https://www.capterra.co.uk/directory/34631/agentic-ai/software)
- [Debt Collection Software](https://www.capterra.co.uk/directory/30234/debt-collection/software)

## Alternatives

1. [PayPal](https://www.capterra.co.uk/software/179251/paypal) — 4.6/5 (26661 reviews)
2. [Acuity Scheduling](https://www.capterra.co.uk/software/128285/acuity-scheduling) — 4.8/5 (5767 reviews)
3. [Google Pay](https://www.capterra.co.uk/software/212826/google-pay) — 4.6/5 (926 reviews)
4. [Sage Intacct](https://www.capterra.co.uk/software/76/intacct) — 4.3/5 (716 reviews)
5. [SAP S/4HANA Cloud](https://www.capterra.co.uk/software/152293/sap-s-4hana) — 4.3/5 (358 reviews)

## Links

- [View on Capterra](https://www.capterra.co.uk/software/1108416/PennyFlow)

## This page is available in the following languages

| Locale | URL |
| en | <https://www.capterra.com/p/10053008/PennyFlow/> |
| en-AE | <https://www.capterra.ae/software/1108416/PennyFlow> |
| en-AU | <https://www.capterra.com.au/software/1108416/PennyFlow> |
| en-CA | <https://www.capterra.ca/software/1108416/PennyFlow> |
| en-GB | <https://www.capterra.co.uk/software/1108416/PennyFlow> |
| en-IE | <https://www.capterra.ie/software/1108416/PennyFlow> |
| en-IL | <https://www.capterra.co.il/software/1108416/PennyFlow> |
| en-IN | <https://www.capterra.in/software/1108416/PennyFlow> |
| en-NZ | <https://www.capterra.co.nz/software/1108416/PennyFlow> |
| en-SG | <https://www.capterra.com.sg/software/1108416/PennyFlow> |
| en-ZA | <https://www.capterra.co.za/software/1108416/PennyFlow> |

-----

## Structured Data

<script type="application/ld+json">
  {"@context":"https://schema.org","@graph":[{"name":"Capterra UK","address":{"@type":"PostalAddress","addressLocality":"Egham","addressRegion":"ENG","postalCode":"TW20 9AH","streetAddress":"Tamesis, The Glanty, Staines-upon-Thames Egham TW20 9AH United Kingdom"},"description":"Capterra UK helps millions of people find the best business software. With software reviews, ratings, infographics, and the most comprehensive list of business software.","email":"info@capterra.co.uk","url":"https://www.capterra.co.uk/","logo":"https://dm-localsites-assets-prod.imgix.net/images/capterra/logo-a9b3b18653bd44e574e5108c22ab4d3c.svg","@id":"https://www.capterra.co.uk/#organization","@type":"Organization","parentOrganization":"G2.com, Inc.","sameAs":["https://twitter.com/Capterra","https://www.facebook.com/Capterra/","https://www.linkedin.com/company/capterra/","https://www.youtube.com/channel/UCEt7vQSPiPlPAblHdhJAqnA"]},{"name":"PennyFlow","description":"PennyFlow is accounts receivable software that automates invoice chasing and payment collection using AI. Integrating with Xero, it manages overdue invoices end-to-end, eliminating manual follow-ups. Live synchronization ensures invoice data stays current without manual imports. The software analyzes customer payment behavior to tailor communication, adjusting tone and timing for each debtor. PennyFlow generates personalized email and SMS reminders reflecting the business's voice, negotiates payments, and places voice calls to unresponsive customers. Payment terms and overrides are customizable, while compliance features address UK late-payment legislation and statutory interest. Dashboards track metrics like days sales outstanding and collection rates. Operating in Sandbox, Co-pilot, or Autopilot modes, PennyFlow offers flexible automation, maintains GDPR compliance, uses AES-256 encryption, and connects via Xero-certified integrations.","image":"https://gdm-catalog-fmapi-prod.imgix.net/ProductScreenshot/80a2c307-6324-4545-93c7-07b4b4ddfe12.jpeg","url":"https://www.capterra.co.uk/software/1108416/PennyFlow","@id":"https://www.capterra.co.uk/software/1108416/PennyFlow#software","@type":"SoftwareApplication","publisher":{"@id":"https://www.capterra.co.uk/#organization"},"applicationCategory":"BusinessApplication","offers":{"price":"0","@type":"Offer","priceCurrency":"GBP"},"operatingSystem":"Cloud, Apple, Windows, Linux, Windows on premise, Linux on premise, Chrome, Android, Platform ios, Platform ipad"},{"@id":"https://www.capterra.co.uk/software/1108416/PennyFlow#faqs","@type":"FAQPage","mainEntity":[{"name":"What is PennyFlow?","@type":"Question","acceptedAnswer":{"text":"PennyFlow is accounts receivable software that automates invoice chasing and payment collection using AI. Integrating with Xero, it manages overdue invoices end-to-end, eliminating manual follow-ups. Live synchronization ensures invoice data stays current without manual imports. The software analyzes customer payment behavior to tailor communication, adjusting tone and timing for each debtor. PennyFlow generates personalized email and SMS reminders reflecting the business's voice, negotiates payments, and places voice calls to unresponsive customers. Payment terms and overrides are customizable, while compliance features address UK late-payment legislation and statutory interest. Dashboards track metrics like days sales outstanding and collection rates. Operating in Sandbox, Co-pilot, or Autopilot modes, PennyFlow offers flexible automation, maintains GDPR compliance, uses AES-256 encryption, and connects via Xero-certified integrations.","@type":"Answer"}},{"name":"Who Uses PennyFlow?","@type":"Question","acceptedAnswer":{"text":"UK SMEs & Accountants who would like help with their credit control. PennyFlow can run AR end to end. Penny can help them chase overdue/late invoices. Connect your Xero and she starts chasing.","@type":"Answer"}}]},{"@id":"https://www.capterra.co.uk/software/1108416/PennyFlow#breadcrumblist","@type":"BreadcrumbList","itemListElement":[{"name":"Home","position":1,"item":"/","@type":"ListItem"},{"name":"Financial Services Software","position":2,"item":"/directory/31123/financial-services/software","@type":"ListItem"},{"name":"PennyFlow","position":3,"item":"/software/1108416/PennyFlow","@type":"ListItem"}]}]}
</script>