Xero keeps the books, Adfin gets you paid.

A certified Xero app with two-way sync: approved invoices come in automatically, Adfin chases payment, and Xero updates the moment they're paid.

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How it works

Connect Xero

Connect Xero once, then choose what Adfin touches: use the branding themes and invoice templates you've already set up in Xero, pick which invoices come through, and import all your customers or just the contact groups you want.

Set the branding theme

Approve an invoice in Xero and Adfin sends it, with your Xero PDF attached. Auto Collect invoices are collected by direct debit, while On Demand invoices go out with a payment link. Anything unpaid is chased automatically.

Automatically reconciled

You're paid the full invoice amount, with the fee invoiced separately rather than taken off the top. Paid invoices are marked as paid in Xero, and each payout arrives with a matching transfer already recorded, so your bank rec lines up.

Built for the way Xero works.

Two-way sync

Invoices, customers and payments move in both directions.

Branding themes

The Xero templates you already use decide which invoices Adfin collects, and how.

Daily gross settlement

You're paid the full invoice amount. Adfin bills its fee separately, so nothing is netted off.

Adfin clearing account

A holding account Adfin creates in Xero. Payments land there, then transfer to your bank.

Payment link on your Xero PDF

Adfin is added as a payment service in Xero. Customers pay from the invoice itself.

Repeating invoices

Set the template once. Everything after it collects itself.

Every payment method

Card, Apple Pay, Google Pay, open banking, bank transfer, direct debit.

Invoice migration

Sign a mandate and that customer's open invoices move to direct debit on their own.

Mandate migration

Bring your existing direct debits across in one go, including from GoCardless.

Customers

Source: 65% of UK businesses are paid late (source: 2025 FreeAgent survey of 200k+ businesses) vs 9% for Adfin (source: all Adfin customers, for all time).

2,500+ of the most ambitious businesses getting paidthan the average UK business

Jumpstart

-73% average days late

A full, two-way sync

Invoices, contacts, payments, accounts, items, tracking categories, branding themes and bank transactions all sync both ways. Credit notes flow one way, from Xero, so applying one updates the amount due before the next reminder. Payout transfers flow the other way, from Adfin into Xero.

CUSTOMER STORIES

Don't take our word for it

"I don't have to worry about trying to find what amount is owed - I just click send and I know that Adfin will sort out everything within that email - for me it was a huge game-changer."

“Working with Adfin feels like a dream scenario for a business owner - I've got a team of smart, dedicated people building software to solve my biggest business problems.”

“What’s been really helpful about Adfin is that you build a flow once, and it triggers automatic reminders and chasers, saving a huge amount of time, and more importantly mental headspace.”

"If you've got those niggles about late payments and fees, and the ability to get people onto direct debit, I wouldn't hesitate to switch."

“Adfin doesn't charge for retries, and it gives us the ability to collect all of our payments through the same platform: card payments, bank transfers and direct debits all in one place.”

“We just send an email, here is your payment link, and clients love it. Whether it’s Apple Pay or credit card, they’ll just be double-clicking on their phone like they would with any other bill.”

“We had 20 years of direct debit mandate history to wash through as part of this... the support we got in that journey was fantastic.”