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.
Pipworth explain-this-match screen, in-development product UI
Cash arrives. The work begins.
Payments land in your bank account with bad references, or none 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, and chasing what won’t add up.
UK businesses are owed an estimated £26 billion in late payments at any time, and chasing it takes roughly 86 hours per business a year. The hours are only part of the cost. The cash position lags reality, credit control gets pushed aside for reconciling, and month-end drags because the AR ledger isn’t clean.
How Pipworth works
Connect your bank and Sage
Secure Open Banking on one side, read-only ledger access where possible on the other. Setup takes an afternoon.
Pipworth reads the data
Incoming payments from your bank feed. Open invoices, customers, and history from your ledger.
It matches them
Exact references, combined invoices, partial payments, and the settlement patterns each customer has used before. Every match comes with its reasoning.
You approve, or let it post
Your choice, per the mode you set. Pipworth handles the routine and your team handles the judgement calls.
You decide how much to hand over
Start cautious and scale as you trust it. You can change the mode whenever you want, per customer or across the ledger.
Suggest
Pipworth proposes every match and your team approves each one. Full control.
Hybrid
Confident matches apply automatically. Anything below your threshold goes to a person. Most teams settle here.
Auto
Pipworth runs hands-free. Your team only handles genuine exceptions.
Why finance teams trust it
Every match comes with the evidence, the alternatives considered, and a trail an auditor can follow.
- Every match comes with its reasoning: the invoices considered, the evidence, and the alternatives ruled out.
- A complete audit trail on every decision, export-ready for your auditors.
- Human in the loop by default. Nothing posts without your rules allowing it.
- You set the confidence thresholds and escalation rules.
What you get
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.
A cleaner month-end
Cash applied through the period instead of in a week-one push.
Fewer keying errors
Fewer misallocations and less rework as the work moves out of the spreadsheet.
Integrations
- Ledger: Sage 200 and Sage Intacct today. Xero coming soon.
- Bank: every major UK bank through regulated Open Banking.
- Stack: Pipworth sits alongside the systems you already run.
Security and compliance
- Open Banking access is FCA-regulated. We never see or store your banking credentials.
- UK data residency.
- GDPR-compliant by design.
- Read-only access to your ledger wherever the workflow allows.
- In progress: SOC 2 and ISO 27001.
Pricing
Simple monthly pricing based on your payment volume. Book a demo and we’ll size it to your ledger in the same call.
Questions
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.
How long does setup take?
An afternoon to connect the bank and the ledger. Two weeks to be live in your chosen mode, with rules tuned to your customers’ payment patterns.
Is my financial data safe?
Open Banking is FCA-regulated and Pipworth never sees your bank login. Ledger access is read-only wherever possible, write-back follows your rules, and your data stays in the UK.
What happens when Pipworth isn’t sure about a match?
It tells you. The match goes to your team with the reasoning and the alternatives, and a person makes the call.
Do I lose control of my ledger?
You set the thresholds, choose the mode, and decide what posts and what escalates. The finance team owns the ledger.
What size of business is this for?
Mid-market finance teams on Sage, applying anywhere from hundreds to tens of thousands of payments a month.
See Pipworth run on your own ledger
No commitment. We’ll show you matches on your real data in the first call, and reply within one business day.