Changelog

Generate a Cash MOT to see how a business is performing. We’ll show you key insights like average debtor days, the percentage of invoices paid late, and what you could gain from automated chasing.

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Run a Cash MOT from our website or directly in the console, then easily share it with your clients to start a conversation about how they could improve their cash flow.

We’ve improved how personalised messages work in Adfin.

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You can now customise the message at each step, save messages to reuse across other steps or customer agents, and generate a detailed preview of exactly what will be sent throughout a sequence.

You can now use Adfin’s payment reminders without accepting payments through Adfin.

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If you only want to use credit control, you can skip payment verification and get started even faster. You can always enable payments later.

Card on file is now live in Adfin. Save a customer's card once, then charge it automatically, without asking them to pay or to enter their details again.

You turn card on file on when you're setting up your customer agents.

You can now set the minimum partial payment a customer can make as a percentage of the outstanding amount, as well as a fixed amount.

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Enable partial payments and set your minimum in your collection agent settings.

It’s now easier to migrate your direct debit mandates to Adfin. Request a migration directly from the console and track its progress from start to finish.

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We’ve also improved how incoming mandates are reviewed and matched to customers in your accounting software, making the migration process faster and smoother.

You can now take a single card payment over the phone for multiple outstanding invoices and payment requests.

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When you select a customer, you’ll be able to choose which items they want to pay, then complete the payment using the card details they provide.

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Your customers can now pay multiple outstanding invoices and payment requests directly from their customer statement.

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When they receive a statement, they can choose which items they’d like to pay and make one payment for the selected total.

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Sometimes a customer may ask you to cancel their direct debit mandate while a payment is already being collected.

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If the collection has already started, it cannot be cancelled. You can now queue the mandate to be cancelled automatically once the payment collection is complete.

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If the payment fails, we won’t retry the collection. We’ll simply cancel the mandate.

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👉 To do this, select the customer, open More options in the side tray, and click Cancel mandate.

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Customer agents let you manage how payments are collected for different groups of customers.

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Each agent brings together the rules for when to send reminders, how to communicate with customers, which payment options to offer, and what actions to take to help you get paid.

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If your an existing Adfin user, customer agents replace and upgrade existing workflows. Your current setup has been migrated automatically, so there is no  change to how you collect or manage payment collections.

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As part of this launch, we’re also introducing support for late fees, giving teams more flexibility to apply charges to overdue invoices where needed.

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You’ll see customer agents in your Adfin account as part of our staged rollout.

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👉 You can view your customer agents here

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Most reminder sequences treat every customer the same: the same timing, the same channel, and the same follow-up.

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Customer agents with optimised reminders change that. You set the approach for each customer group, including the channels, persistence, and actions the agent can take. The agent then works out the best way to encourage each customer to pay.

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New customers start on a standard reminder sequence. Over time, the sequence adapts based on payment data, using the timing, channel, and cadence most likely to get invoices paid.

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This means:

• Faster payments with less manual work
• More personalised payment reminders for your clients
• Smarter chasing that improves as more payment data comes in

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👉 Turn on client optimised chasing for an agent here

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Businesses have had the legal right to charge statutory interest and fixed compensation on overdue invoices since 1998. But for many teams, the calculation and admin have made it hard to justify the effort.

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You can now apply late payment fees automatically with Adfin.

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When enabled for a customer agent, Adfin can apply statutory interest and fixed compensation once an invoice passes your chosen grace period. The payment link updates as interest accrues, and a separate invoice is created in your accounting software.

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You stay in control:

• Enable late payment fees for specific customer agents
• Set a grace period before fees are applied
• Waive fees where needed

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With late payment reform gaining momentum in the UK, this gives your team an easier way to apply fees consistently and reduce the admin involved in overdue collections.

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Good to know: fixed compensation is routed to Adfin. Statutory interest accrues to you.

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👉 Turn on late payment fees for an agent here

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You can now take card payments over the phone and link them to the right invoice automatically. If the invoice isn’t in Adfin yet, create a payment request and sync it to your accounting software.

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Phone payments support surcharging and partial payments. Find it under Upgrade features in Settings. We review your account before turning it on, so contact support if you don’t see it.

You can now preview exactly how an adaptive template will look for a specific customer while you create or edit it.

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Open Adaptive templates in Settings, select a template and click Preview.

Customers paying by bank transfer now see your business name as the account holder, so it’s clear who they’re paying.

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We match each payment to the right invoice automatically, so there’s nothing to reconcile.

The new Overview dashboard shows how Adfin is getting you paid, how your late payments compare with similar businesses, and how customers perform by payment method.

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Its inbox brings your tasks, recommendations and notifications into one place, and you can assign tasks to team members. Find Overview in the side menu.

You can now add Adfin bank transfer details to your invoice PDFs, and we’ll match bank transfer payments to the right invoice automatically.

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You can also apply Xero tracking categories to individual line items and update recurring invoice prices in one go.

The new Schedules dashboard gives you one place to view, manage and edit your recurring invoices and payments, with the next charge date and end date for each.

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Filter, sort and save views as you would on any Adfin dashboard. Find Schedules in the side menu.

You can now add tracking categories to invoice line items to track revenue by office, department or team, and set a default option for each customer.

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Filter by tracking category in the Payments and Credit control dashboards. If you use Xero, you can sync your existing tracking categories. Find it in your invoice settings.

You can now set up offices in Adfin to group customers and users, and track revenue and credit control across your business. Each office can have its own email and business address on invoice PDFs.

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Link a tracking category option to an office and it’s preselected on new invoices and synced to Xero. Find offices in your account settings.

You can now turn off the payment confirmation emails your customers receive for direct debit payments.

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Manage this in your Auto Collect workflow settings.

You can now update a product’s price once and apply it to new recurring invoices only, or to all existing ones.

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Update prices in the Product Catalogue in Settings.

You can now stop payment reminders going to a customer’s primary contact, so they only reach the right people, like their finance team.

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Manage this in the customer side tray, under contact person details.

You can now choose whether existing On Demand payments move to Auto Collect automatically when a customer signs a direct debit mandate, or whether only new invoices are collected by direct debit.

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Find this setting in your Auto Collect workflows.

If a customer’s direct debit mandate is cancelled by mistake, you can now reinstate it in one click, without your customer re-entering their bank details.

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We’ll email you and add a task to your dashboard, and any unpaid payments are scheduled for collection once the mandate is reinstated.

Adaptive templates now work in statement workflows, and Adfin automatically categorises the templates you create so it’s easy to pick the right one.

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You can also add your signature to make messages more personal. Choose where adaptive templates are used in your workflow settings.

You can now take payments from anyone with a reusable payment link. Set a fixed amount or let the customer choose, with an optional maximum.

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Find it under Payments in the sidebar.

You can now add a surcharge to business card payments, so your customer covers the cost of card acceptance and you receive the full invoice amount. Under UK law only business cards can be surcharged, and we detect them automatically.

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Turn on surcharging for your account or for individual customers in your payment settings. Apple Pay and Google Pay are turned off while surcharging is on.

Adfin is now available as a payment method in Xero, so Adfin payment links are added to your Xero invoices automatically.

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Reconnect Adfin to Xero from your dashboard to turn this on.

Adfin now flags potential duplicate customers and prompts you to review them. We’ve also made merging quicker and clearer.

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Select Review duplicates in the side menu when the prompt appears.

You can now archive customers with payment history. Archived customers keep all their records, stop new invoices being imported and can be reactivated at any time. Customers without any paid invoices can be deleted.

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Open a customer and choose to delete or archive them from the side tray.

You can now add your own email signature, including links and images, to Autopilot emails.

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Edit your signature under Connected emails in your Autopilot settings.

You can now send customer statements from Adfin, so customers can see what they owe and pay outstanding invoices in one place.

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Choose when statements are sent, and add rules so they only go out above a certain balance or number of days overdue. Set this up in your workflow settings.

You can now sync payments without an invoice to Xero as prepayments, choose the account they’re coded to and set the VAT.

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Manage this in your Xero configuration in Settings.

You can now set how each customer pays by default, with Auto Collect or On Demand, and whether they’re collected invoice by invoice or through statements. You can also turn off Auto Collect for customers who haven’t agreed to direct debit.

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Set rules for your whole account, update customers in bulk, or adjust a single customer’s workflows in your workflow settings.

You can now give each team member an Admin, Member or Viewer role. Admins have full access, Members can manage customers, payments and invoices but not settings, and Viewers have view-only access.

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You can also deactivate or remove users at any time from the Team section of your company settings.

You can now share a single payment portal link that lets any customer find and pay their invoice using their name and invoice number.

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Payments are applied to the right invoice automatically. You’ll find the link in your invoice and payment request views.

You can now share one reusable link that lets any customer set up a direct debit mandate with you. Add it to proposal templates, your website or your email signature.

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We’ll email you each time it’s used, and match the mandate to an existing customer or create a new one. Find it under Links in the sidebar.

You can now turn on multi-factor authentication for your Adfin account. Once it’s on, every user will be asked to set up an authentication method the next time they sign in.

You can now add Days Sales Outstanding (DSO) and days overdue columns to your dashboards, for individual payment requests or for each customer.

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At customer level, DSO is averaged across all their payments and days overdue shows their most overdue unpaid invoice. Add the columns using the cog icon and save the view as your default.

You can now use Autopilot with Auto Collect to send mandate requests from your own email address, using your adaptive templates.

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Turn this on in your Auto Collect workflow settings.

You can now let customers make partial payments when paying On Demand, and set a minimum amount to stay in control.

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Find this option in your payment settings.

Our new credit control dashboards let you group by status or action required, sort and filter by any field, choose your columns and save your favourite views.

Autopilot is now available to all Adfin users. Connect your own email address and create adaptive reminder templates, and Autopilot tailors each message to the customer, adds the right payment or mandate link and sends it from your email.

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Send reminders from a customer’s activity tab or add them to your On Demand workflows. Head to Get Started in your Adfin account to turn on Autopilot.

All your account settings are now in one place, with a clearer layout and a search bar to find what you need. Open Settings in the sidebar.

We’ve removed the Signed status, so direct debit mandates now move straight from Awaiting signature to Active.

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When a mandate becomes Active, we automatically schedule that customer’s payments for collection by direct debit.

You can now choose how payments without an invoice sync to Xero, as Receive Money transactions or as overpayments, and choose the account they’re coded to, including a liability account.

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Manage this in your Xero configuration in Settings.

God Mode gives you a single login across all your Adfin accounts. Switch between accounts or create new ones from the account dropdown at the top of the sidebar.

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You can set up an account for a client in seconds, then invite them to book an onboarding call, making it easier to run credit control as a service.

You can now set up recurring invoices in Adfin that send automatically on the schedule you choose, ideal for subscriptions and retainers.

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Recurring invoices can also sync to Xero or QuickBooks.

Autopilot uses AI to take your existing chasing templates, adapt them to each situation and send them automatically.

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You can also connect your own email domain, so reminders come from your email address.

Invoices you create in Adfin, through the invoice tool or invoice capture, now sync to QuickBooks automatically when you send them.

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We’ll mark them as paid in QuickBooks when the payment comes through.

You can now add custom statuses to any at-risk activity and filter by them to manage your credit control process.

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Adfin moves invoices and payments to confirmed automatically once they’re paid.

You can now offer instalment plans to customers who are struggling to pay. Choose the number of instalments, edit individual amounts or take a larger deposit upfront, and Adfin sends the reminders and reconciles each payment.

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Instalment plans work with On Demand and Auto Collect, for new invoices and ones you’ve already sent.

You can now accept bank transfers through Adfin. We show your client bank details on the payment page, detect the payment when it arrives and update your records, so chasing stops as soon as you’re paid.

New activities now flag when something needs your attention, like an invoice or payment request that isn’t being chased or a message that failed to deliver.

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You’ll find them in the activities column of the Accept payments table.

Auto Collect + gives customers who haven’t signed their direct debit mandate the option to pay On Demand instead. Choose how long after sending the invoice to offer this, or offer it straight away.

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We’ll notify your customer and add the extra payment methods to their payment page. Turn it on in your workflow settings.

On Demand + lets you take an upfront card payment, then invite your customer to sign a direct debit mandate for future payments.

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Turn it on in your workflow settings and choose which customers it’s offered to.

You can now choose to import all your customers from Xero or QuickBooks, or only specific contact groups if you use Xero. You can also choose whether new customers sync automatically.

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Customers linked to an Adfin invoice are always imported, so your invoicing isn’t affected.

We’ve refreshed the direct debit mandate page to put your brand front and centre and make it easier for your clients to complete.

You can now add, remove and reorder columns in your tables, and filter your data more flexibly.

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Save sets of filters as views so your team can get back to them quickly.

You can now unmark invoices and payment requests as paid. Open the invoice or payment request and click Unmark as paid in the side tray.

You can now show your business name on your clients’ bank statements when they set up a direct debit mandate and make payments, so payments are easier to recognise and reconcile.

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Look out for the banner in your Adfin console to turn this on.

Adfin now syncs overpayments, prepayments and credits from Xero and QuickBooks, and adjusts the amount due straight away so your customer always pays the right amount.

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Collection amounts also update when you delete a credit note or change the amount applied to an invoice.

You can now move your existing direct debit mandates from another provider to Adfin. Your clients don’t need to sign new mandates and your collections won’t be interrupted.

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We manage the process and paperwork, and move any recurring invoices over on the change date. Contact us to get started.

The Adfin console has a new look. It’s built on our new design system, so it’s cleaner and more consistent across every page.

When a customer signs a direct debit mandate with Adfin, we’ll now automatically update their invoices in Xero or QuickBooks to use Adfin for payment, including repeating invoices.

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Turn on invoice migration in your settings. We’ll email you and tag the customer each time one is migrated.

You can now collect recurring payments from your customers weekly, monthly or yearly, or split an amount into a set number of instalments.

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Create a payment link and turn on Recurring to set the frequency, start date and optional end date. Recurring payments work with both On Demand and Auto Collect.

After you upload invoices, you’ll now see a review screen where you can check and edit the details before sending.

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Update customer information and change amounts, due dates and invoice numbers, all in one place.

You can now upload invoices as CSV or Excel files in any format, as well as PDFs and images. When you upload a CSV, Adfin creates the invoice PDFs for you.

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Upload up to 200 invoices at a time, using one file type per batch, and review the extracted details before sending.

You can now download data from the accept payments, manage customers and view transactions dashboards as a CSV.

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Select the rows you want, or select nothing to export everything, then click Download CSV in the top right corner.

Direct debit payments are now paid out to you two working days sooner, for all payments submitted from 8 July 2025.

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Payments are debited from your customer two working days after we submit them, and paid out to you two working days after that.