Interactive calculator
1 Wallets
2 Rebates
3 Results
4 Maximise
5 Next steps
Wallets by Sonovate
What is a rebate? Earn rebates for retaining money in Sonovate overnight, either by keeping your margin in or deferring worker payments.

Funding should do more than just move fast. It should work harder for your business too.

Wallets enable more control over how money moves through your business, with rebates and deferred pay built in. More control, higher margins and more flexibility, without adding operational headaches.

Quick opportunity estimate

£1,000,000
£
14.0%
Business type
Agencies like yours, maximising rebate behaviour, could earn up to
£0
per year in rebates.
Are you still working hard for your funding? Wallets are designed to help funding work smarter, not just move faster.
Estimated margin £0
Per month £0
Wallet hold used 28 days
Early adopters of Wallets have already accrued thousands of pounds through rebates.

What are rebates?

Rebates come from money staying in Sonovate overnight. Wallets create two practical ways to do that: keeping margin in for longer and deferring worker or supplier payments where that timing is commercially appropriate.

Withdrawing margin

This is about how long retained margin stays in your Sonovate Wallet before you withdraw it. The longer it stays there, the more rebate potential it can create.

When margin lands in your Wallet, it can keep earning rebate while it stays there. Withdraw it only when the money is actually needed.

Margin kept in Wallet 18 days

Larger bills often fall later in the month, so margin may be able to stay put longer than teams first expect.

Deferring payments

This is the time between Sonovate funding an invoice and the worker being paid. That agreed gap is what creates worker deferral.

The longer the agreed gap between funding and worker payment, the more eligible funds can remain deferred overnight.

Worker payment deferral 14 days

This is not about paying late. It is about paying in line with agreed terms, rather than paying early out of habit.

Worker deferral is the time between Sonovate funding an invoice and the worker being paid. For example, if funding is released today and the worker is paid 14 days later, that creates a 14 day deferral.

This does not mean paying workers late. It means agreeing payment terms upfront and then paying workers in line with those terms, rather than earlier than necessary. You create worker deferral by setting a payment structure that leaves a sensible gap between funding and payout.

Tips to maximise it:

  • Agree payment terms at the start
  • Use clear, standard pay dates
  • Avoid ad hoc early payments
  • Keep approvals and payroll running on time
  • Review where workers are being paid faster than needed

The longer eligible funds remain in that agreed gap, the more rebate opportunity there may be.

For more on Wallets, see the official Sonovate page: Introducing Wallets from Sonovate.

This is what timing could be worth

Based on the assumptions you selected, this shows the indicative value of smarter payment and withdrawal timing. It is designed to make the commercial impact clear, not replace a tailored funding review.

Projected annual rebate opportunity
£0
Estimated monthly value: £0
Indicative figure These estimates are for illustration only. Actual rebate outcomes may differ based on real-world funding behaviour, payment timing, account setup and currency. These examples are shown in GBP; rebates accrue at a lower rate on other currencies.
Margin comparison
Estimated margin without rebates Estimated margin minus a 2.5% funding fee on total invoice amount, before any rebate value is added back.
£0
Estimated margin with current rebate Your current rebate assumptions add value straight back into margin.
£0
If you maximise rebate behaviour
£0

What could deferring more deliver?

These controls update the result instantly.

Worker deferral

Funding to worker payment 14 days

Wallet deferral

Margin retained in Wallet 18 days
How to maximise rebates

Treat timing as a commercial lever

The agencies that get the most value usually do not reinvent their model. They become more deliberate about when money moves.

1. Extend worker payment deferral where possible

Create a longer gap between funding and worker or supplier payment, where that timing is commercially appropriate and contractually agreed. Look for sensible deferral when onboarding, avoid defaulting to the fastest possible cycle, and focus on roles where timing is predictable.

2. Delay margin withdrawals until the money is needed

Do not pull money out just because it has arrived. Pull it out because you need it. Leave margin in the Wallet until payroll, rent or VAT is due, make partial withdrawals where possible, and avoid sweeping everything out by habit.

3. Build rebate thinking into everyday cash management

Negotiate sensible payment deferrals at onboarding, pay on agreed terms rather than early by default, keep retained margin in the Wallet longer, and move money for a real business reason, not reactively.

Bottom line: create more eligible deferral where you can, keep margin in the Wallet for longer, and only move money when there is a genuine business reason to move it. The more eligible funds remain deferred overnight, the more rebate potential you create.
Next steps

See Wallets in practice or speak to the team

If the rebate potential looks interesting, the next move is either a quick walkthrough of how Wallets work or a conversation about how they could fit your setup.

Product walkthrough

Watch the Supademo

See how Wallets supports account withdrawals and day-to-day funding workflows, then use that as a starting point for a more detailed discussion.

Talk to Sonovate

Request a conversation

Leave your details and the team can talk through rebate potential, operational fit and how Wallets could work for your funding setup.

Loading form…