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Payments

All payments. One platform.

Accept payments by direct debit, card, Apple Pay, Google Pay and bank transfer, reconciled in your accounting software automatically.

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How it works

Just get paid by direct debit

Recurring payments

Automatically collect payments by direct debit or card. If a direct debit fails, we retry free and can fall back to a card on file or send a payment link.

One-off payments

Send a payment link by WhatsApp, SMS or email. Customers pay in a tap: card, Apple Pay, Google Pay, or straight from their banking app.

Instant reconciliation

We bill our fees separately, so what lands in your bank matches the invoice exactly. Invoices are marked as paid in Xero or QuickBooks automatically.

Customers

Source: 65% of UK businesses are paid late (source: 2025 FreeAgent survey of 200k+ businesses) vs 9% for Adfin (source: all Adfin customers, for all time).

2,500+ of the most ambitious businesses getting paid than the UK average

Jumpstart

-73% average days late

Features

Additional features to get you paid faster.

Bundle invoices into one payment

Statements pull a customer's outstanding invoices together so they can settle them all at once.

Get customers onto direct debit

When a customer pays a one-off invoice, Adfin asks them to set up a direct debit for future ones.

Stop absorbing card fees

Surcharging passes business and international card fees to the customer. Turn it on for one customer or all of them.

Let customers pay on a schedule

Split an invoice into scheduled payments, or set a minimum and let customers pay in parts.

Connect your existing systems

Adfin is a certified Xero and QuickBooks app. Connect your other systems via our API.

Coming soon to Adfin

Risk score new clients

Connect Slack or Teams

Route approvals to whoever signs them off

Read and reply to emails in Adfin

Risk score new clients

Connect Slack or Teams

Route approvals to whoever signs them off

Read and reply to emails in Adfin

Risk score new clients

Connect Slack or Teams

Route approvals to whoever signs them off

Read and reply to emails in Adfin

Direct debit migration

Switching to Adfin is simple

Already collecting by direct debit? We've already migrated more than 200,000 mandates to Adfin, and your customers won't need to re-authorise anything.

01

Request a switch

Request a migration in the Adfin platform. Tell us your current provider and when you'd like to switch.

02

We arrange the transfer

We coordinate everything with your current provider. On the change date, your mandates transfer across, and your customers get one email confirming there's nothing for them to do.

03

Review & go live

Each mandate is matched to the right customer in your accounting software. Check the matches, resolve any exceptions, and start collecting.

CUSTOMER STORIES

Don't take our word for it

What’s been really helpful about Adfin is that you build a flow once, and it triggers automatic reminders and chasers, saving a huge amount of time, and more importantly mental headspace.
Working with Adfin feels like a dream scenario for a business owner - I've got a team of smart, dedicated people building software to solve my biggest business problems.
If you've got those niggles about late payments and fees, and the ability to get people onto direct debit, I wouldn't hesitate to switch.
You could have the best credit controller in the world, but they’re not going to log on at three o'clock in the afternoon on a Sunday and send a reminder email, even if they know that’s when they usually pay, but AI within Adfin will do that.
Adfin doesn't charge for retries, and it gives us the ability to collect all of our payments through the same platform: card payments, bank transfers and direct debits all in one place.
It's probably been the most effective method we've had for getting clients who didn't want to go on direct debit to sign up to more automated payments. Adfin's helped bring them onto a more automated payment method and change their mindset on paying.
I don't have to worry about trying to find what amount is owed - I just click send and I know that Adfin will sort out everything within that email - for me it was a huge game-changer.
We just send an email, here is your payment link, and clients love it. Whether it’s Apple Pay or credit card, they’ll just be double-clicking on their phone like they would with any other bill.
We had 20 years of direct debit mandate history to wash through as part of this... the support we got in that journey was fantastic.