A small West Yorkshire practice becomes a referral channel for a two-year-old Leeds payments provider.

Independent Yorkshire accountancy business Pan Accounts has teamed up with Leeds-based payment solutions provider Total Payments after its founder used the firm's card machine herself. Financial terms were not disclosed and none were indicated in the source.

Pan Accounts is a small independent accountancy practice founded by licensed accountant Farhana Bham, supporting micro-entities and small businesses across West Yorkshire with day-to-day accounting support. No turnover or other financial figures are publicly available for the practice, and it does not maintain a dedicated public website.

Total Payments is a Birstall-headquartered payment solutions provider offering card terminals, EPOS systems and online payment gateways to small and medium-sized businesses across the UK. Launched in 2024, the company has not disclosed turnover or EBITDA figures.

Advisors: None mentioned.

The arrangement is a referral relationship rather than a commercial or equity deal: Pan Accounts recommends Total Payments' card terminal to clients after positive first-hand experience, with no financial or contractual detail disclosed beyond that endorsement.

It sits within a wider pattern of accountants acting as informal distribution channels for fintech providers, part of the broader embedded finance trend reshaping how SMEs access payments and banking tools. Established platforms already build this distribution formally, such as the Xero and Wise partnership letting small businesses send international payments without leaving their accounting software.

For Total Payments, the arrangement extends a growth strategy built on frequent partner announcements, following its recent tie-up with payment automation specialist Key IVR and its move into business banking referrals for SME clients.

For Pan Accounts, the tie-up is a low-cost way to add practical value for micro-entity clients without building payment infrastructure itself, reflecting how small practices increasingly position themselves as trusted advisers on tools beyond core compliance work.

The wider relevance for Ireland's accountancy market is limited. This is a single referral relationship between two small UK businesses rather than a structural or regulatory development, and it does not signal a broader shift in how Irish practices engage with payment technology partners.

Source: Yorkshire Evening Post / FinTechtris