The PennyFlow Partner Program is open — earn recurring revenue for every client you refer. Become a partner →
For accountants & bookkeepers

Your clients get paid faster. You get paid every month.

Refer PennyFlow to the clients on your books and earn up to 20% recurring commission on everything they spend — while Penny chases, calls and collects their late invoices for them. You look like the hero. You get paid for it.

Become a partner
Recurring, not one-off One dashboard, all clients Clients start free
Your partner earningsPremium · 20%
£7,200/yr
recurring, from 25 clients on your book
From subscriptions£5,760
From voice & recovery£1,440
Your 20% share£7,200 / yr
That’s £600 a month, paid to you — and it grows with every client you add.
The difference

Other partner clubs save your clients a fee.
PennyFlow pays you.

Most credit-control referral schemes just discount a payment fee your clients pay. PennyFlow is built to reward you — with recurring commission, one dashboard across your whole book, and a product your clients actually rave about.

Typical referral club
e.g. a payment-fee rebate scheme
You earn nothing — the perk is a fee discount passed to your client
Reminders by email/SMS only — no voice agent
Value depends on your clients switching payment rails
No single view of your clients’ cashflow
PennyFlow Partners
the credit-controller your clients thank you for
You earn up to 20% recurring on everything your clients spend
Penny phones & negotiates with late payers — not just reminders
Clients start on a free tier — no barrier to rolling it out
One dashboard across all clients — attribution baked in
Commission tiers

The more clients you bring, the more you earn.

Every tier is recurring — paid to you monthly on everything your referred clients spend. Move up automatically as your active clients grow.

Referrer
1–9 active clients
15%
recurring commission
Recurring commission on every client
Monthly commission payouts
Referral link & attribution
Where most partners land
Partner
10–24 active clients
18%
recurring commission
Everything in Referrer, plus…
Multi-client partner dashboard
Co-branded client materials
Premium Partner
25+ active clients
20%
recurring commission
Everything in Partner, plus…
Dedicated partner manager
Co-marketing & white-glove onboarding

Commission is paid on referred clients’ subscription, voice and recovery fees. Illustrative — full terms are set out in your Partner Agreement at sign-up.

Earnings calculator

See what your book could be worth.

Clients you refer25
Active clients on a paid PennyFlow plan.
Average spend per client£120/mo
Subscription + voice + recovery fees, per client.
Your tier: Premium Partner · 20% recurring
Your recurring commission
£7,200/yr
£600 a month — paid to you monthly
Premium partner at 20%
How it works

Live in a day. Earning from month one.

1

Join, free

Sign up as a partner and get your referral link and partner dashboard — set up in minutes, no cost to join.

2

Refer your clients

They connect Xero and start on the free reminders tier — zero cost, zero risk, so it’s an easy yes.

3

They upgrade

When they switch on Penny’s agent — negotiation, voice, pay-links — to recover more, faster.

4

You earn — monthly

You get your recurring share of everything they spend, paid every month, tracked to the penny.

Why your clients say yes

The one thing reminders can’t do: pick up the phone.

Email and SMS are table stakes. What makes clients rave — and makes you the hero who found it — is that Penny actually calls their late payers, and talks them into paying.

An AI voice agent that negotiates

Penny announces she’s an AI, verifies who she’s speaking to, and agrees a date or a plan — recovering cash reminders never touch.

You look brilliant

Your clients get out of the overdraft and stop making awkward chasing calls — and they know you brought it to them.

Safe & compliant

Calls are recorded and disclosed, run in business hours, and honour opt-outs. Money never flows through us — it goes straight to your client.

● Live call · INV-2041 · Bright Co
PennyHi, this is Penny, an AI assistant calling on behalf of Orchard Joinery. This call is recorded — can I check I’m speaking with the right person?
Bright CoYes, that’s me.
PennyThanks. Invoice 2041 is 34 days overdue — could we agree a date to settle it?
Bright CoCan we split it over three months?
PennyI can propose £1,067 a month for three months for your owner to approve. I’ll send it across now.
Your partner toolkit

Everything you need to run it across your book.

One partner dashboard

See every client’s AR health, live cases and what Penny recovered — across all their orgs, in one place.

Attribution baked in

Every client you refer is credited to you automatically — no codes to chase, no missed commission.

No barrier for clients

Every client starts on the free reminders tier — an easy yes to roll out, and you earn when they upgrade.

Co-branded materials

Client-ready explainers and emails with your firm alongside PennyFlow — roll it out looking sharp.

Monthly payouts

Commission paid every month, with a clear statement of exactly which clients earned what.

White-glove onboarding

Premium partners get hands-on help migrating a whole client book — we do the heavy lifting.

Questions

Partner FAQ

How is my commission paid?
It’s recurring and paid to you monthly, on your referred clients’ subscription, voice and recovery fees. The full commission terms are set out in your Partner Agreement when you join.
What does it cost my client to start?
Nothing. Clients begin on the free reminders tier. You earn when they choose to upgrade to Penny’s agent, voice and pay-links — there’s no pressure and no lock-in.
How do I move up a tier?
Automatically, by active client count: 1–9 = 15%, 10–24 = 18%, 25+ = 20%. As your referred clients grow, your rate steps up.
How and when am I paid?
Monthly, with a statement showing which clients earned what. Commission is calculated on your clients’ subscription, voice and recovery fees.
What counts as a referred client?
A business you introduce that’s new to PennyFlow and signs up through your referral link (or names you at registration), then starts a paid plan. Attribution is tracked automatically — no codes to chase.
Do you hold my clients’ money?
No. Payments go straight to your client’s own account — PennyFlow never sits in the money flow. Penny recovers the cash; your client receives it directly.

Become a PennyFlow partner.

Earn recurring revenue while your clients get paid faster. Leave your email and we’ll set you up.

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Commission rates are illustrative and are set out in your Partner Agreement at sign-up. Xero is a trademark of Xero Limited.