Resource Hub

Welcome to our Resource Center! Here, you'll find tools and insights to streamline your processes and enhance customer engagement.

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Guides

Switching and consolidation

Switching direct debit provider: what actually happens to your mandates

Both migration routes explained: bulk change with no customer re-signing, AUDDIS 0C and 0N mechanics, published quiet windows and what happens to failed transfers.

Adfin team
Adfin team
9 min read
9 October 2026
Taking payments

How much does GoCardless cost per transaction in the UK?

GoCardless charges 1% + 20p capped at £4 on Standard. Worked costs at every invoice value, where the cap bites, and what falls outside it. Read 18 August 2026.

Adfin team
Adfin team
8 min read
9 October 2026
Reconciliation

Why do GoCardless payouts not match your invoices?

A payout is a balance sweep, net of fees, with earlier refunds and failures deducted. GoCardless's own €20 to €4.40 example explains it. Read 19 August 2026.

Adfin team
Adfin team
11 min read
9 October 2026
Credit control

How to tell clients you are moving them to direct debit

What to say, when to send it and how to handle a client who says no, plus the Direct Debit Guarantee wording that answers most objections.

Adfin team
Adfin team
7 min read
9 October 2026
Direct debit

Can a small business take direct debit without its own Service User Number?

Yes. A small business can collect under its payment provider's SUN and start in a day or two, or apply for its own through a sponsoring bank over weeks or months.

Adfin team
Adfin team
7 min read
9 October 2026
Cash flow

The case for zero WIP and zero debtors in a practice

Why zero is the only lock-up target that needs no benchmark, where the zero-debtors language actually comes from, and the five limits of the argument.

Adfin team
Adfin team
12 min read
9 October 2026
Late payment

Why your biggest invoices are the ones still collected manually

Invoice value explains 0.23% of late payment variance. What it does predict is mandate coverage, which halves from 74.1% to 37.4% as invoices grow.

Adfin team
Adfin team
9 min read
9 October 2026
Accountancy practice

Practice software stack: what actually needs to integrate

The layers a practice runs, which integrations remove real work, and the practice management gap that no vendor page in our August 2026 pass answers.

Adfin team
Adfin team
11 min read
9 October 2026
Direct debit

Why UK direct debit and credit control are still separate products

Collecting by direct debit needs a bank's permission and chasing needs none, so the UK market sells them apart. What the split costs a business running both.

Adfin team
Adfin team
8 min read
9 October 2026
Credit control

Can you send an invoice and payment link by WhatsApp?

Yes, and for some customers it's the fastest route to payment. How it works, who it suits, and the rules worth respecting.

Adfin team
Adfin team
4 min read
8 October 2026
Direct debit

60% of failed direct debits still get paid: what the retry data shows

Retry data from Adfin: 60.1% of failed direct debits are still recovered, and a second attempt succeeds 46.9% of the time. Why early write-offs cost money.

Adfin team
Adfin team
8 min read
8 October 2026
Taking payments

Payment gateways and processors: what the difference means for you

Gateway, processor, acquirer and payment facilitator, and which one you actually contract with. Who holds your funds, who sets your rate, and who you call.

Adfin team
Adfin team
8 min read
8 October 2026

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Webinars

July 30, 2026

Why you should be charging late fees on overdue payments

July 28, 2026

AI Chasing: how it works and why it beats automated reminders

June 1, 2026

The Adfin Brew: Episode 3 - Practice first, Clients next.

May 26, 2026

The Adfin Brew: Episode 2 - The path to full credit control

May 8, 2026

The Adfin Brew: Episode 1 - Launching credit control as a service

Product Updates

September 16, 2026

Introducing Cash MOT: Run a full cash flow report in minutes

July 28, 2026

Introducing customer agents: AI credit control

June 11, 2026

How Adfin automates late payment fees