How to manage several Irish companies' payments from one login

You can run payments and credit control for several Irish companies from one login, as long as each company stays set up on its own. In Adfin, every company is a separate business with its own payout account in its own name, its own Xero or QuickBooks connection, its own customers and its own chasing rules, and you move between them from the business name at the top of the sidebar. You pay per payment, so adding a company doesn't add a licence.

In this article

The short version

• Each company keeps its own payout account in its own name, books and chasing rules.
• In Adfin you switch companies from the business name at the top of the sidebar.
• Actions apply only to the company you're working in at the time.
• There's no licence per company: pricing is 1% + 20c per successful payment.
• Practices can manage clients the same way, each as a separate business.

Why each company keeps its own payments set-up

You may well have ended up with more than one company without ever planning a group. Perhaps you have a holding company above two or three trading companies, a company for each building you own, or an Irish company your UK business opened to sell to Irish customers in euros. Each of those companies is registered separately, gets its own Tax Reference Number from Revenue, and invoices its own customers under its own name.

The money has to follow the same lines. A tenant's rent for one building shouldn't land in the company that owns the building next door, or your accountant has to unpick it with intercompany entries at the year end. A reminder about an unpaid invoice should likewise come from the company that raised it, once the payment has been checked against that company's books.

You'll probably find the admin harder than the principle. With a separate login for every company, you have to remember which password and which settings belong to which business, and a failed SEPA collection in one company can sit unnoticed while you're working in another.

How one login works across your companies

In Adfin, you can hold several businesses under a single login. The business you're working in is shown at the top of the sidebar, and you click its name to pick another from the list. You don't sign out and back in.

Anything you do applies only to the business you're in at the time. A payment link, an invoice, a change to chasing rules or a new team member belongs to that company and no other, so it's a good habit to glance at the name before you change anything.

Each company keeps its own:

• payout account, in the company's own name, so its money lands only in its own account
• connection to its own Xero or QuickBooks organisation, with payments taken through Adfin marked paid in that company's books automatically
• customers and SEPA direct debit mandates, plus card, Apple Pay, Google Pay, pay by bank and bank transfer to unique bank details for each customer
• chasing rules, so a property company can follow up tenants on a different timetable from a trading company's business customers
• team members, so you can add a bookkeeper only to the companies they look after

Payouts are gross, with Adfin's fees invoiced separately, so what lands in each company's account matches the invoices that company was paid.

Pricing is per successful payment, at 1% + 20c, with the 1% part capped at €2 on SEPA direct debit and bank transfer, so those payments cost no more than €2.20 up to €2,000. Card payments aren't capped. There's no monthly fee, set-up fee or contract, and no charge for each extra company.

The order to set up a group

Adding a company uses the same set-up and checks as your first one, so it helps to take them one at a time.

1. Start with the company that raises the most invoices. Get its bank account, Xero or QuickBooks connection and chasing rules working the way you want before you add anything else.
2. Add the next company from the same menu. Have its bank account in its own name ready, and connect it to its own Xero or QuickBooks organisation, not the parent's.
3. Use the chasing approach you settled on as a starting point, then change it where the customers differ. Tenants, trade customers and public bodies tend to respond to different timing and channels.
4. If any of the companies already collect SEPA direct debits through GoCardless, move them one at a time. Their customers keep their existing mandates.
5. Invite each person only to the companies they work on, and agree who owns the overdue list in each one.

If two of your companies share a customer, they'll hear from each of your companies separately about its own invoices, so you might want to line up the timing and tone across the group so it doesn't feel like two unrelated firms chasing the same person.

Adfin's collection agents can run each company's follow-up within the rules you approve for that company, adjusting timing, channel and tone customer by customer. That's part of Enhanced credit control, at 0.3% per paid invoice and only where an enhanced skill was used.

Practices running clients the same way

Accountancy practices can use the same set-up from the other side. A practice can add its clients as separate businesses under its own login, then set up and manage payments and credit control for each of them, switching from one client to the next without a separate password for every client.

Each client is still its own business. Its payout account is in the client's own name, its payments are marked paid in the client's own Xero or QuickBooks, and the client's customers are chased in the client's name. The practice does the work, while the money and the records stay with the client.

Common questions

Can I manage several Irish companies from one Adfin login? Yes, you can hold several businesses under one login and switch between them from the business name at the top of the sidebar. Each company stays a separate business with its own settings, customers and payout account.

Does each company need its own bank account? Yes, each business pays out to one account in its own name. Money a customer pays one of your companies only reaches that company's account.

Is there a charge for each extra company? No, there's no per-company licence and no monthly fee. Adfin charges per successful payment, at 1% + 20c, with the 1% part capped at €2 on SEPA direct debit and bank transfer.

Can each company connect to its own Xero or QuickBooks? Yes, each business connects to its own Xero or QuickBooks organisation, and payments taken through Adfin are marked paid in that company's books.

Do customers have to sign new SEPA mandates when a company moves from GoCardless? No, customers keep their existing SEPA mandates when a company moves its direct debits to Adfin from GoCardless.

Can an accountant manage clients' payments the same way? Yes, a practice can set up and manage clients as separate businesses under one login and run their credit control. Each client keeps its own payout account and accounting connection.

Sources

• Adfin Help Centre - Managing multiple businesses from one login (accurate as of November 2026) https://support.adfin.com/en/articles/15888939-managing-multiple-businesses-from-one-login
• Revenue - How to register for tax as a new company (accurate as of November 2026) https://revenue.ie/en/starting-a-business/registering-for-tax/how-to-register-for-tax-as-a-new-company.aspx
• European Payments Council - 2025 SEPA Direct Debit Core Rulebook, version 1.0 (accurate as of November 2026) https://europeanpaymentscouncil.eu/sites/default/files/kb/file/2024-11/EPC016-06%202025%20SDD%20Core%20Rulebook%20version%201.0.pdf