You can upload invoices manually by dragging and dropping them (one or multiple) into the platform or by importing them from your accounting software. Adfin’s AI will extract the relevant invoice details for your review before sending them to your customers. In our Invoicing Guide you can find more information.

To accept card payments or direct debits, you need to complete a KYB (Know Your Business) process. Once approved, you can start accepting these payment methods. You can enable this by going to Settings > Payments and completing the merchant onboarding process.

To connect Adfin with your accounting software, like Xero, please head to the Integrations area in Settings (refer to this guide).

After sending an invoice, your customer will receive an email with a “Review and Pay” button. They can choose from available payment methods such as card, bank transfer, or Apple/Google Pay.

You can track the invoice status (e.g., Sent, Seen, Paid) directly in the Adfin dashboard. Adfin will also automatically send payment reminders to your customers through customisable workflows until the invoice is fully paid.

If your customer has an active direct debit mandate, once you upload the invoice, you can schedule the payment collection for the due date.

Three days before the due date, the customer will receive an email with the invoice and a notification that payment will be collected from the account they provided.

Navigate to the Customers tab on the left. Select the customer you want to set up for direct debit collection and click on ‘Send Mandate.’ This will send an email to the customer where they will need to enter their bank account details and sign the mandate. Until the mandate is signed, the status will show as “pending signature.” Once signed, it will update to “Direct Debit is active.” You can sign up multiple customers at once using the tickboxes in the Customer view.

As soon as Adfin is alerted to this, we update the status of the mandate to failed on the Customer view. You can then send a new mandate as required, or send the invoice again using the one-time payment request flow.

If a direct debit payment fails due to insufficient funds, both you and your customer will be notified. We will automatically retry the collection the next working day. If it fails again, we will make one final attempt. If the payment continues to fail, a new link will be sent to the customer offering alternative payment methods such as credit cards, Apple Pay, or bank payment.

Payment settlement times depend on the method used. Pay by bank transfers typically settle within 2 hours, card payments settle 2 business days after the transaction, and direct debits settle 4 business days after the due date you set on the payment request. Direct debit settlement times are a scheme-wide limitation.

Adfin provides various statuses like Draft, Sent, Seen, and Paid, to help you track your invoices. Once an invoice is paid, the status is updated in both Adfin and your connected accounting software.

If you upload an invoice to Adfin and the customer paid that invoice not using Adfin, e.g by doing a manual bank transfer to your bank account, then you’ll need to manually mark it as paid in Adfin to stop reminders. Go to Invoice tab, select the invoice and click on “mark as paid”. Note: Adfin won’t charge a fee on those invoices paid outside Adfin.

Currently Adfin is available for companies and sole traders registered in the UK, and only accepts payments made in GBP.

If your customer pays using card linked to an account in a different currency, their bank will convert the payment into GBP for them. Your customer will pay a currency conversion fee to their bank, some banks will also apply an additional cross-border transaction fee.

Please note, we currently do not support direct debits or pay by bank payments from outside the UK.

We will be adding support for additional acceptance and settlement currencies in 2025.

Adfin only supports Visa & Mastercard cards, we do not accept Amex.

No, you can chose to either import all your customers or add certain customers to a group on Xero and chose to only import those. Once connected:

You can configure to either send all invoices to Adfin, or use Xero branding themes to filter which invoices come to Adfin. Branding themes can also be used to direct an invoice to one-time payment (cards and pay by bank) or direct debit.

Note that to avoid double sending invoices, we will not send any repeating invoices set to approve and send. You should instead set these to approved. For any invoices approved pre Adfin-Xero link (and not sent), and then updated post Adfin-Xero link, will appear automatically in Adfin.

If you want to send some repeating invoices from Xero and some from Adfin, you should use branding themes to filter which invoices Adfin sends.

Please note, to avoid double sending invoices we will not send any repeating invoice set to approve and send. Even when using branding templates, invoices must be set to “Approve” and not “Approve for sending”.

After sending an invoice, your customer will receive an email with a “Review and Pay” button. They can choose from available payment methods such as card, bank transfer, or Apple/Google Pay.

You can track the invoice status (e.g., Sent, Seen, Paid) directly in the Adfin dashboard. Adfin will also automatically send payment reminders to your customers through customisable workflows until the invoice is fully paid.

Adfin charges a fee based on successful payments. There are no subscription or minimum fees, and the platform offers transparent, fair pricing. You’ll receive an invoice for Adfin’s fees at the beginning of each month for the previous month’s payments. All transactions are settled to you gross of fees, making reconciliation much simpler.

Coming soon!

If you have overdue fees, you will be notified and steps will be taken to resolve the issue promptly.