PM+M is a leading accountancy and advisory firm based in the North West of England. With a long-standing reputation for client care and innovation, PM+M is known for delivering high-quality advisory, cloud accounting and compliance services to a wide range of SMEs. We spoke to Luke Irving, part of the Cloud Accounting team to get a better understanding in how they enroll new tech to clients.

The Challenge: Manual payments cost time and confidence

While many clients had successfully adopted cloud accounting tools like Xero, a significant number still handled supplier payments manually and in those cases often keying payment information directly into their online banking systems. This method was both time-consuming and introduced unnecessary risks such as human error, security concerns and inefficiencies in reconciliation.

“That’s usually when we see an opportunity. If we’re aware they’re doing manual payments, we’ll explain they could be saving themselves time.”

After early experience with other platforms, PM+M transitioned to Mimo – a move driven by the need for a more versatile solution.

The Mimo Solution: A smarter way to offer payments as a service

PM+M began working with Mimo as part of its ongoing initiative to offer Payments as a Service. Due to the variety of needs for different clients, PM+M sets great value in making sure each client feels confident during the onboarding process.

An onboarding process designed to be seamless:

1. PM+M begins with workflow scoping sessions and personalised recommendations.
   
   

2. Live demos help clients understand how the tool works in practice.
   
   

3. Mimo is introduced with clear approval workflows – allowing clients to retain final payment authority.

The user-friendly interface and time-saving features also meant that even hesitant or tech-averse clients could gain confidence quickly.

The impact and path forward

Since introducing Mimo as a tool for offering Payments as a Service, PM+M has seen improvements on both sides of the engagement:

For Clients:

• Faster, safer supplier payments

• Reduced admin burden and fewer manual errors

• Clear approval workflows to retain control

For the Firm:

• Reduced internal admin time

• Streamlined review processes

• An opportunity to deepen advisory relationships

“We’re working to improve how we do things internally, so clients still get the same level of service but without us having to pass big cost increases onto them.”

A blueprint for a successful rollout 

PM+M’s approach provides a repeatable blueprint for firms looking to roll out PaaS in a scalable, client-friendly way:

• Start with observation: Identify where clients are wasting time or at risk

• Lead the conversation: Don’t wait for clients to ask – show them what’s possible

• Use demos to build trust: Let the software speak for itself

• Keep clients in control: Structured workflows help overcome resistance

• Focus on internal value too: Make it efficient for your own team to deliver

Payments might not be the flashiest service in a firm’s offering – but when delivered with the right approach, they can be a source of efficiency, security and long-term client value.