From £199 per month · Free trial🇬🇧
Payment reminder and receivables software for small and mid-sized firms with AI-written emails, debtor risk insights and payment prediction.
Adfin AI features, pricing and GDPR (October 2026)
UK receivables platform that collects card, bank and direct debit payments and has AI chase unpaid invoices from Xero or QuickBooks.
Usage-basedFree plan
from £0.20 usage-based
Pricing details
Essential Credit Control is free. Payments cost 20p plus 1% per successful payment, capped at £4 for direct debit and bank payments. Enhanced Credit Control with AI-timed reminders costs 0.3% per paid invoice. No monthly minimum and no minimum term (as of September 2026).
What is Adfin?
Adfin is a receivables and payments platform for small businesses and accounting firms in the UK. It syncs invoices from Xero or QuickBooks, collects payment by card, bank transfer or direct debit and uses AI to chase unpaid invoices.
The free Essential Credit Control tier tracks invoices, sends reminders by email, WhatsApp and SMS and produces debtor reports and customer statements. The Payments add-on collects direct debit, bank transfer and card payments, offers instalment plans and falls back to another method when a payment fails. Enhanced Credit Control adds AI-timed reminders and automatic late payment fees.
Adfin Financial Services Ltd is registered in London and reports more than 2,500 customers, from small firms to accountants and bookkeepers managing client payments. Card and open banking payments run through FCA-regulated partners such as Adyen and Tink. Besides Xero and QuickBooks, it connects to Engager.app, Socket and Soluto.
Adfin AI features and use cases
- Personalizes payment remindersAutopilot, released in October 2025, takes a business's existing chasing templates, adapts them to each customer and sends them automatically, optionally from the firm's own email domain. Credit controllers no longer write individual follow-ups for routine overdue invoices.
- Chooses timing and channel for remindersOptimised Reminders, released in June 2026, adjust when and through which channel reminders go out, based on how each customer has paid before. The sequence keeps adapting, so the finance team spends less effort testing reminder schedules by hand.
- Reviews cash flow for client meetingsThe Cash MOT Report, added in September 2026, uses AI to summarize average debtor days, the share of late payments and suggested improvements. Accountants can take it into client conversations about cash flow without building the analysis themselves.
What sets Adfin apart
- The credit control tier is free; fees apply only to collected payments or paid invoices, with no monthly minimum or contract term.
- Combines chasing and collection in one flow, with direct debit, open banking and card payments through FCA-regulated partners.
- States that it is hosted in Europe and works with several AI models so it does not depend on one provider.
Where Adfin is strongest
Adfin is based in London, charges its fees in pounds, is listed in the Xero UK App Store and benchmarks its customers against the average UK business.
Questions to ask before you buy Adfin
Adfin is built for UK businesses and charges in pounds, so companies elsewhere should confirm that their currency and payment methods are supported. Check how the two-way sync with Xero or QuickBooks handles invoice and contact data. The website mentions hosting in Europe but names no provider, certificate or data processing agreement as of September 2026, so request these and the subprocessor list before connecting customer data.
Using Adfin in the EU: GDPR and AI Act
- Data locationEU (according to the vendor). Hosting regions: EU.
- Data processing agreementNot published by the vendor: ask for one (Art. 28 GDPR).
- EU AI ActCheck whether the AI prepares decisions about people. If not, the high-risk rules usually do not apply. The high-risk obligations apply from December 2, 2027 (Digital Omnibus).
General information with sources, not legal advice.
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Questions about Adfin
What does Adfin cost?
Essential Credit Control is free with unlimited invoices and users. Payments cost 20p plus 1% per successful payment, capped at £4 for direct debit and bank payments, with higher rates for premium cards. Enhanced Credit Control costs 0.3% per paid invoice.
Which accounting systems does Adfin connect to?
Adfin syncs both ways with Xero and QuickBooks. According to the Xero listing it shares invoices, payments, bank transactions, contacts and tracking categories. Adfin also names Engager.app, Socket and Soluto as well as APIs and an MCP server.
How are payment details protected?
Adfin does not store payment credentials and relies on FCA-regulated partners such as Tink for open banking and Adyen for card payments. Its security page describes encryption of stored data and data in transit, real-time backups and data separation per merchant.
Adfin update historyno updates yet
No changes recorded for Adfin yet.
Changes the vendor made and confirmed user reports, each checked against the vendor's own pages. We review every tool monthly.
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