How It Works

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Greater peace of mind 

  • We divide your annual estimated business expenses into a simple, predictable weekly instalment. 
  • To further improve your cashflow, the Service Fee is spread equally over each of your instalments over 12 months. 
  • The instalments we collect are stored in your Sinch Wallet and are used to pay the expenses you send us. 
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An interest-free Cashflow Buffer 

  • If there isn’t enough cash in your Sinch Wallet, use your interest-free Cashflow Buffer so the expense is paid in full and on time. 
  • There’s no interest charged when you use your Buffer to top up your expense payments. 
  • At the end of 12 months, any Buffer used is repaid so there is no negative balance in your Sinch Wallet 
  • There are no application, account, late or hidden fees 
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Intelligently saves you time

  • Proven to save up to 70% of your time spent managing expenses. 
  • Automated bill processing and payment 
  • Bill fraud checks 
  • Direct debiting your account for your instalment. 
  • We provide a monthly and quarterly reconciliation into Xero to save you time with bookkeeping. 
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Your plan is completely flexible  

  • You can choose to increase or decrease the amount of expenses you’re smoothing over 12 months at any time.  
  • We’ll keep you updated with a monthly report so you can see how your expenses are trending. 
  • If you miss an instalment, we can’t pay any expenses for you until the direct debit is successful. 
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We do have to pass on costs for 

  • $2 per bill if you’ve sent us a photo of a printed bill, instead of its original electronic format. 
  • Bank dishonour fees if the direct debit is rejected. 
  • Recovery fees if you are in default and owe us money. 
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