We are building a simple, efficient, cloud-based payments management platform.

Our mission is to end the pain & high costs associated with unwarranted card declines based on new, AI-powered fraud prevention tools rejecting legitimate activity.

Who We Are

We're a team of financial services engineers, with software at our core working to empower our media buying, affiliate marketing, and dropshipping partners to confidently and accurately pay their vendors without any of the burden of navigating declines, managing transaction reconciliation, or researching unexpected charges.

Our People

Meet the leadership team

Tony Ferguson
CEO - Founder

Tony is a fourth-generation entrepreneur with over 25 years of experience in finance, software, and payments. He is passionate about building innovative products and solutions that make it easier and more efficient for people to pay and be paid. Prior to Penny, Tony founded EML Payments (ASX: EML; est. 2001), a technology business with more than $80B in annual transaction volume that redefined the notion of prepaid cards.

Craig Waterhouse

Craig is a technical project manager and information security specialist with over 20 years of experience leading and managing complex IT projects, including PCI compliance. He is an expert in cloud infrastructure, information security, standards alignment, and regulatory compliance who is passionate about removing the burdens associated with payments today - from errant declines to painful reconciliation.