Snapshot
Continue to About ↓- What it does
- Adfin is a UK payments and automated credit-control platform for businesses that invoice other businesses.
More detail
- It collects payments via direct debit, card, pay-by-bank, and bank transfer, and can automatically chase late invoices while reconciling payments back into Xero or QuickBooks.
- Best for
- UK small and growing businesses that invoice regularly — agencies, consultancies, recruiters, accountants, MSPs, property managers, and field service firms — especially those already on Xero or QuickBooks who want one place to collect payments and automate chasing.
- Pricing
- Transaction-fee model with no monthly subscription or minimum: sign-up and essential credit control are free (fair-use policy applies), and standard payments cost 20p + 1% (percentage capped at £4 for direct debit and bank transfers).
More detail
- Optional enhanced AI credit control costs 0.3% per paid invoice a
- Main limitation
- Businesses that need to invoice in non-GBP currencies, pay suppliers, take in-person card payments, or use accounting software other than Xero or QuickBooks
More detail
- Adfin is also not a source of invoice finance or cash advances.
- Record
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- Structured profile ↗
About
- Adfin is a UK payments and automated credit-control platform for businesses that invoice other businesses.
- It collects payments via direct debit, card, pay-by-bank, and bank transfer, and can automatically chase late invoices while reconciling payments back into Xero or QuickBooks.
What it helps with
- Late invoice payment ties up cash, with the UK average commonly reported as far worse than Adfin's own customer base.
- Manual chasing of overdue invoices consumes staff time and risks damaging customer relationships.
- Running separate tools for card, direct debit, and bank transfer creates reconciliation gaps and extra cost.
- Matching incoming payments back to invoices in accounting software is slow and error-prone when done by hand.
- Small finance teams cannot keep up with outbound reminders at the moments customers typically pay.
- Failed payments require manual retries across multiple channels to recover.
Capabilities
A practical view of what is available and where limitations apply.
| Offering | Available | Detail |
|---|---|---|
| Payment methods | Yes | Direct debit (Bacs), cards including Apple Pay and Google Pay, pay-by-bank/open banking, bank transfers, and card over the phone. |
| Automated credit control | Yes | Essential tier provides unlimited automated chasing over email, WhatsApp, and SMS with debtor reporting and customer statements at no charge. |
| AI chasing agents | Limited | Optional enhanced tier (0.3% per paid invoice, only when used) optimises timing, channel, and tone per customer; requires opt-in. |
| Accounting integrations | Limited | Real-time sync is limited to Xero and QuickBooks; other practice tools sync invoices but payments may need manual updating. |
| Multi-currency invoicing | No | Adfin only takes payments in pounds; direct debit and pay-by-bank are UK-only. |
| Supplier or bill payments | No | Adfin is focused on getting paid, not on paying suppliers or bills. |
| In-person card reader | No | Card-over-the-phone is supported but there is no POS card reader for face-to-face retail. |
| Invoice finance or cash advances | No | No factoring, invoice finance, or cash advances are offered. |
| API and MCP server | Yes | APIs and an MCP server are available for building internal tools; Adfin states it was the first payments company in Europe to launch an MCP server. |
| Security controls | Yes | ISO 27001 certified, PCI-compliant via regulated partners, data hosted in Europe, and no customer data passed to public AI models. |
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Evidence
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- Verification
- Scribble researched these facts from the linked public sources.
- The owner has not manually confirmed every field.
- Last reviewed
- Primary source
- adfin.com
Technical profile details
Record ID
eac92721-0caf-4190-9dd8-4a3b1d0afa16Canonical URLhttps://profiles.scribble.network/listing/adfin-eac92721