Get paid faster — without hiring.
Pipworth matches incoming payments to your invoices in minutes, not hours — so your finance team stops doing detective work and your cash position stops lagging reality.
Works with Sage. Live in two weeks. No IT project.
Explain this match
Pipworth · Explain-this-match screen · in-development product UI
Cash arrives. The work begins.
Payments land in your bank account with bad references — or no reference at all. One transfer covers five invoices. A customer short-pays without explanation. Somebody on the finance team works through them line by line, matching incoming cash to open invoices, posting allocations, chasing what won't add up.
The numbers behind it are well-rehearsed: UK businesses are owed an estimated £26 billion in late payments at any time, and chasing it eats roughly 86 hours per business a year. The cost is not just the hours — it is the cash position that always lags reality, the credit control work that doesn't happen because the team is reconciling, and the month-end that drags on because the AR ledger isn't clean.
Four steps. No IT project.
Connect your bank and Sage.
Secure Open Banking on one side, read-only ledger access where it works on the other. Setup is a single afternoon — not a procurement cycle.
Pipworth reads the data.
Incoming payments from your bank feed. Open invoices, customers, and history from your ledger. No data leaves your environment that doesn't need to.
It matches them.
Exact references, combined invoices, partial payments, the patterns your customers actually use to settle. Every match comes with its reasoning.
You approve — or let it post.
Your choice, per the mode you set. Pipworth handles the routine; your team handles the judgement calls.
You decide how much to hand over.
Start cautious, scale as you trust it. The mode is your call — and you can change it whenever you want, per customer or across the ledger.
Pipworth proposes every match; your team approves each one. Nothing posts without an explicit nod.
Confident matches auto-apply. Anything below your threshold escalates to a human. Most teams settle here.
Pipworth runs end-to-end. Your team only handles genuine exceptions — the matches Pipworth doesn't trust itself to call.
Reasoning, not magic.
Pipworth is built for the FD's first instinct — to ask why. Every match comes with the evidence, the alternatives considered, and the trail an auditor can follow.
- Every match comes with its reasoning — the invoices considered, the evidence in their favour, the alternatives ruled out.
- Complete audit trail on every decision — export-ready for your auditors, retained as long as you need.
- Human-in-the-loop by default — nothing posts to your ledger that your rules haven't allowed.
- You set the confidence thresholds and escalation rules — not us. Tighten them when you want, loosen them when you trust it.
For the FD.
Lower DSO
A cash position that reflects reality, not last week.
Capacity back to the team
Hours freed up for credit control, customer conversations, and analysis.
Cleaner month-end
Cash applied through the period, not in a frantic week-one push.
Fewer keying errors
Misallocations and rework dropping as the work moves out of the spreadsheet.
Sits alongside what you already run.
Sage 200 and Sage Intacct today. Xero coming next.
Every major UK bank through regulated Open Banking. Single-afternoon connect.
No rip-and-replace. Pipworth slots in beside the systems your team uses today.
Built for finance from day one.
- Open Banking access is FCA-regulated; Pipworth never sees or stores your banking credentials.
- UK data residency. Your data stays where it should.
- GDPR-compliant by design.
- Read-only access to your ledger wherever the workflow allows it. Write-back only on approval, under rules you set.
- In progress: SOC 2 Type II and ISO 27001 — labelled as such until certified.
Priced to the work Pipworth does.
Simple monthly pricing tied to your payment volume — not per-user seat fees that punish you for involving the team. Book a demo and we'll size it to your ledger in the same call.
Book a demo for a quote →Questions FDs ask first.
Does it work with my version of Sage?
Sage 200 and Sage Intacct are supported today. We'll confirm your specific version on the demo call — the answer is almost always yes.
How long does setup take?
A single afternoon to connect the bank and the ledger. Two weeks to be live in your preferred mode, with rules tuned to your customers' actual payment patterns.
Is my financial data safe?
Open Banking is FCA-regulated and credential-less — Pipworth never sees your bank login. Ledger access is read-only wherever possible, write-back is gated by your rules, and your data stays in UK residency.
What happens when Pipworth isn't sure about a match?
It tells you so. The match goes to your team's inbox with the reasoning and the alternatives. In Hybrid mode this is the whole point: confident work runs automatically, uncertain work stays under human judgement.
Do I lose control of my ledger?
No. You set the confidence thresholds. You choose the mode. You decide what posts and what escalates. Pipworth is built around the rule that the finance team owns the ledger.
What size of business is this for?
Mid-market finance teams running Sage, applying somewhere between hundreds and tens of thousands of payments a month. If you're in that band and your AR ledger is hurting, the demo will be fast.
See Pipworth run on your own ledger.
No commitment. We'll show you matches on your real data in the first call. Tell us a bit about your finance team and we'll be in touch within one business day.
Pipworth.
Your cash, applied automatically. With the reasoning, the audit trail, and the control your finance team needs.
Book a demo →