Your customer is set up on direct debit and you want to give them the option to pay on demand as well. Perhaps they want to clear an instalment early, or settle an invoice by card before the collection date. You can do both in tandem.
Every payment in Adfin already has a payment link, including each instalment of a plan. On Auto Collect the emails we send do not carry that link, because the money is due to come out automatically. If you would like to offer both together, you need to share the link with your customer yourself.
Where to find the payment link on an invoice
Go to the Payments view and open the payment you want your customer to pay.
In the top right of the panel that opens, click the link icon.
Adfin confirms with "Link copied successfully." Paste it into an email, a text or a WhatsApp message.
Instalment plans: open the instalment, not the plan
An instalment plan is one invoice made up of several payments, and each of those payments has its own link. The plan as a whole does not have one, so opening the invoice and looking in the top right will not give you what you need.
To get to a single instalment:
Open the invoice from the Payments view.
Go to the Instalment plan tab
Click the payment request number of the instalment you want.
Click the link icon in the top right of that panel.
Send that link and your customer pays that one instalment. Repeat for any other instalment they want to settle early.
What your customer sees
On Auto Collect, the emails your customer receives are collection notices rather than requests to pay. They get the invoice or the plan when you send it, then an Upcoming direct debit payment notice ahead of each collection, telling them the amount and the date. Those emails have no pay now button.
The link you share manually takes customers to the same payment page you would use for an On Demand payment. Your customer can pay by card, Apple Pay, Google Pay or pay by bank, whichever methods you have switched on.
What happens to the direct debit
If your customer pays the full amount before the payment is Submitted, the direct debit is not collected. The payment is marked as paid and the collection does not go out.
Status when they pay | What happens |
Scheduled | Paid in full, so the direct debit is not collected. The payment moves to paid. |
Submitted | The instruction is already with your customer's bank, so the collection goes out as planned. The manual link stops accepting payment at this point, so there is no risk of your customer paying twice. |
If they pay part of it
Whatever your customer pays comes off the balance. A part payment reduces what is outstanding and the payment stays open for the rest, so if the direct debit then goes out on its scheduled date it collects the balance still due rather than the original amount.
When to switch the payment instead
Sharing the link keeps the direct debit in place as a backstop, which is what you want when your customer is paying early as a one-off.
If your customer wants to pay this one by card instead of by direct debit, switch the payment to On Demand. Adfin then emails them the invoice with the payment link attached, and there is no direct debit to collect. See Change how an invoice is collected: On Demand and Auto Collect.