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. For invoicing directly in Adfin you can refer to our quick create guides.

To accept card payments or direct debits, you need to our verification process. Once approved, you can start accepting these payment methods. You can view which payment methods are enabled and manage the limits in your settings.

To connect Adfin with your accounting software, like Xero, please head to the Integrations area in Settings. You'll find the setup guides here.

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., Outstanding, Overdue, Paid) directly in the Adfin Payments view. 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 Credit control view on the left. Select the customer you want to set up for direct debit collection and click on ‘Send direct debit 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 “awaiting signature.” Once signed, it will update to “Active.” You can also bulk send direct debit mandates.

To set up direct debits in Adfin, the following conditions must be met:

If your customer's bank account does not meet these criteria, alternative methods such as one-time payments can be utilised.

As soon as Adfin is alerted to this, we update the status of the mandate to 'No mandate' on the Customer view. You can then send a new mandate as required via the Credit control view.

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. You can review the payout times for each payment method in this help guide.

Adfin provides various statuses like Draft, Outstanding, Overdue, 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 Payments view, select the invoice and click on “Mark as paid”.

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 2026.

American Express (Amex) can be enabled by request, please contact [email protected] if you would like to enable Amex on your account.

The default maximum amount that can be collected via Direct Debit with Adfin is £5,000. Collections exceeding this amount will still be imported from your accounting software, but they will remain in the 'Draft' status and not scheduled for direct debit collection. If you need to increase your direct debit collection limit, please contact [email protected].

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 must 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, you should only 'Approve' invoices in Xero, as Adfin will do the distribution. For any invoices approved pre Adfin-Xero link, and then updated post Adfin-Xero link to have one of your Adfin branding themes, they will appear automatically in Adfin.

If you have Automatic invoice migration enabled when your customer signs their Adfin direct debit mandate, we'll automatically update their repeating invoices to have your Adfin Auto Collect branding theme. This means future repeating invoices will be collected by Adfin.

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.

Adfin will automatically send payment reminders to your customers through customisable workflows until the invoice is fully paid.

You can review our billing procedure here.

Coming soon!

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