UK law on automated decisions changed on 5 February 2026. What Articles 22A to 22D mean for AI chasing, the rule on client data, and where to put the approval gate.

Adfin team

9 min read

August 2026

Late payment

How to calculate statutory interest on a late invoice

The calculation step by step, with two worked examples, the 11.75% rate for the second half of 2026, and the four places the sum usually goes wrong.

Adfin team

6 min read

August 2026

Direct debit

Direct debit for UK businesses: a complete guide

How direct debit works in the UK: the Bacs three day cycle, mandates, advance notice, the Guarantee, what a SUN needs, costs and what goes wrong.

Adfin team

12 min read

August 2026

Taking payments

Taking payments in the UK: a complete guide

Card, direct debit, bank transfer, open banking and VRP compared on cost, settlement speed, payer protection and what each does to your on-time rate.

Adfin team

13 min read

August 2026

Credit control

Do clients pay faster with Apple Pay or Google Pay?

Apple Pay is paid on time 72.7% of the time against 65.1% for card. Compare methods inside one business's book and the gap falls under 1.5 percent. Why that matters.

Adfin team

7 min read

August 2026

Late payment

UK late payment rules: a complete guide

When a payment is legally late, what you can claim, the half-year rate that most articles get wrong, what each recovery step costs, and the status of the reforms as at August 2026.

Adfin team

9 min read

August 2026

Invoicing

Invoicing for UK businesses: a complete guide

What a UK invoice must legally include, and the four stages after sending that decide whether you actually get paid. With real UK payment data.

Adfin team

13 min read

August 2026

Taking payments

Is direct debit or card cheaper for a UK business?

Direct debit fees cap at about £4 from £380 upwards; card fees keep rising. The arithmetic at every invoice size, using published 2026 prices.

Adfin team

7 min read

August 2026

Credit control

Credit control: a complete guide

What credit control is, what late payment costs, and the five decisions that determine whether you get paid. With UK payment data on method, invoice size and automatic collection.

Adfin team

9 min read

August 2026

AI in finance

AI for credit control: a complete guide

What AI does at each stage of a receivables process, what the independent evidence supports, and where UK data protection law now stands after Articles 22A to 22D.

Adfin team

14 min read

August 2026

Credit control

Chasing invoices: the complete process

The nine stages of chasing an invoice, from agreeing terms to writing off a bad debt, with UK payment data on due dates, delivery speed and how late payment concentrates.

Adfin team

14 min read

August 2026

AI in finance

Can AI chase invoices for you?

Yes for drafting, timing, channel and escalation. No for judgement and the difficult conversation. What the independent evidence supports, and where to put the approval gate.

Adfin team

7 min read

August 2026