We only get paid if you get paid.
No monthly fees, no minimums: We only charge for sucessful payments and enhanced credit control.
Essential credit control
Issue, manage and chase your invoices
Automated, unlimited chasing over email, WhatsApp and SMS
Full real-time accounting software integrations
Debtor reporting, credit control management and customer statements
Free
Fair use policy applies
Payments
All the payment methods you need, with smart fallbacks so you never miss a payment
Optional
20p + 1%
Standard payment fee
% fee capped at £4 for direct debit and bank payments
Enhanced credit control
Get paid circa 40% faster with advanced, AI-powered features to automate credit control
Optional
0.3%
per paid invoice, only when used
Supplementary fees
Supplementary fees
Most payments are covered by our standard pricing above. In some cases, there are additional costs where processing is more expensive.
Premium cards
Business Visa and Mastercard, Amex, and/or EEA issued cards
20p + 2.00%
Super premium cards
Non-EEA issued cards, fleet, and/or super premium commercial Visa and Mastercard
20p + 3.00%
Card payments taken over the phone
+0.5% (all card types)
Chargebacks
£15 per case
Use your business name (instead of Adfin’s)
£36 / month (Adfin Custom)
High value direct debits require additional handling and carry increased risk, so an additional 0.30% charge will be applied on all amounts above £2,000
If a late fee is paid, you receive the interest and Adfin receives the fixed compensation amount
COMPARE Fees
Pricing calculator
Using another direct debit or card provider? See how much you can save by switching
Your volumes
Your pricing with existing provider(s)
| % transaction fee | £ transaction fee | Fee cap (£) | % of your volume | |
|---|---|---|---|---|
| Card payments | N/A | |||
| Direct debit payments |
Your results
Direct debit: £0.00
Features
Features
Build your own integration via API
Build your own integration via MCP
Interact with Adfin in your own tools, for example Slack or Teams
Coming Q4 26
Xero
QuickBooks
Engager.app
Socket
Sodium
Actionstep
+0.5%
Halo
Invoice sync supported. Payments must be updated manually
Netsuite
Coming soon
Sage50
Coming soon
Other software integrations
We have an extensive roadmap: talk to us!
Create invoices in bulk from CSVs, image files, PDFs
Full invoice data sync with Xero/QuickBooks (status, payments, credit notes)
Raise invoices in Adfin, one-off or recurring
Use your logo
Use your primary and secondary brand colours
Connect your Gmail/Outlook and send emails from your own domain
Enhanced
Use your name on the statement
Multi-channel chasing (SMS, email, WhatsApp)
Send comms from Adfin or your email
with Enhanced credit control
Unlimited reminders and chasers
AI agents that optimise chasing for each customer
with Enhanced credit control
Automatic late fees
with Enhanced credit control
Best-in-class reconciliation back to Xero and Quickbooks and other integrated software
Detailed activity log by customer
Read and reply to emails in Adfin
Coming soon
Route approvals to different stakeholders
Coming soon
Risk score new clients
Coming soon
Escalated chasers from alternative sends
Coming soon
Connect Slack/Teams
Coming soon
Export data via CSV
Highly customisable dashboards
Aged debtors reporting
Single view of your tasks and key data
Bacs direct debit
Card on file (for recurring payments)
Card (incl. Apple Pay and Google Pay)
Open banking payments (Pay by Bank)
Bank transfer (Faster Payments), reconciled automatically
Card payments over the phone
ACH payments
Coming soon
In person, via the Adfin app
Coming soon
Chasing stops the moment a client pays
Free retries if a direct debit fails
Fallback to another payment method if direct debit fails (incl. card on file)
Automatic direct debit mandate migration from other providers
Split payments into instalment plans
Send customers statements to bulk pay invoices
Allow customers to make partial payments
Business card surcharging
Spending cap for card payments
Payment requests without an invoice
Turn payment methods on/off per customer
Embeddable payment portal for your website
Fraud and security scanning on all payments
Daily settlement to your bank account*
Gross settlement (with Adfin fees invoiced to you separately)
Advance payment on your invoices from within Adfin
Coming soon via our partner
ISO-27001 certified
PCI compliant payments with our regulated partners
Fully GDPR compliant with the Adfin platform hosted in Europe
In Europe
Full user access management with admin controls
Users
Unlimited
Payments
Unlimited
Monthly minimum
None
Minimum contract length
None
* Same day for open banking payments, T+2 for bank transfers and cards, and T+3 for direct debit
