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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

Direct debit

Best direct debit providers for accountancies in 2026

Access PaySuite, Adfin, GoCardless and London & Zurich compared on published pricing for practices, plus Socket for the mandate at signature. Read 17 August 2026.

Adfin team
Adfin team
12 min read
29 September 2026
Late payment

How much interest can you charge on late payments in the UK?

Statutory interest is 8% over base rate, which is 11.75% for debts that went late in the second half of 2026. Plus why the rate is fixed for the half-year, and the £40 to £100 fixed sum.

Adfin team
Adfin team
6 min read
1 October 2026
Late payment

A client refuses to pay late payment interest

The entitlement doesn't depend on your client agreeing. What to say to each of the five refusals, when waiving it is the right call, and how to waive it in writing.

Adfin team
Adfin team
7 min read
3 October 2026
Late payment

The UK late payment reforms: what has been decided and what has not

As at August 2026 nothing is law. The Commercial Payments Bill is at Lords Report stage, the 60 day cap starts no earlier than 2027, and the 45 day proposal has been set aside.

Adfin team
Adfin team
8 min read
3 October 2026
Reconciliation

How to reconcile VAT when you get net payouts

HMRC's cash accounting notice puts output tax on the gross invoice, not the net payout, and the period on your provider's collection. Plus the unsettled VAT on the fee.

Adfin team
Adfin team
8 min read
5 October 2026
AI in finance

What finance teams get wrong about automating collections

Automating a chasing sequence multiplies whatever it already did. Frequency and the 1970 Act, ledger-wide findings against one client's record, prediction versus consistency.

Adfin team
Adfin team
10 min read
4 October 2026
Alternatives

Top 7 GoCardless alternatives in the UK for 2026

Adfin, London & Zurich, Access PaySuite, Stripe, Modulr, Bottomline and Kolleno compared on published pricing. Plus which 'alternatives' cannot collect direct debit.

Adfin team
Adfin team
14 min read
28 September 2026
Alternatives

Top 6 PayPal alternatives for UK invoicing (2026)

PayPal can't collect UK Bacs Direct Debit. Access PaySuite, Adfin, GoCardless, London & Zurich, Modulr and Stripe compared on published pricing, with access dates.

Adfin team
Adfin team
13 min read
29 September 2026
Late payment

How to apply late payment fees automatically

The contractual term comes first, because automating a charge you cannot enforce just sends it faster. Then the statutory route, the unsettled VAT position, and the setup.

Adfin team
Adfin team
8 min read
2 October 2026
Late payment

How long does a customer have to pay an invoice in the UK?

Agreed terms govern, and 30 days applies where nothing was agreed, counted from performance or notice of the amount. Plus the interest and compensation you can claim.

Adfin team
Adfin team
5 min read
30 September 2026
Reconciliation

What do you do when a client pays less than the invoice?

Record what arrived, keep the balance open, and check why it's short. Plus the VAT tax point on a part payment, and how to weigh chasing the rest against writing it off.

Adfin team
Adfin team
7 min read
6 October 2026
Credit control

The UK Getting Paid Report: how UK businesses pay and get paid

Original research on 482,913 UK invoices: 65.7% of customer-initiated payments arrive on time, the median late payment is 8 days, and 22.0% land on the due date.

Adfin team
Adfin team
17 min read
30 September 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