Direct debit
Bacs direct debit for predictable monthly billing. Mandates set up in the customer flow; collection runs automatically.
Invoicing and payments · powered by Adfin
Send the invoice. Get paid automatically.
Issue invoices in seconds. Collect payment by direct debit and open banking — automatically, every time — through our partner Adfin. Every payment auto-reconciles against the invoice and the underlying ledger.
How it works
Four steps from sent to settled.
A modern accounting flow — minus the chasing, the bank-statement reconciliation and the “did you get my invoice?” emails.
- Step 1 · Issue
Build the invoice in seconds.
Pick a customer, add line items, set VAT. Recurring invoices, customer-specific schedules and multi-currency built in. Branded with your firm or business identity.
- Step 2 · Send
One link. One Pay button.
The invoice goes by email and (optionally) WhatsApp. Your customer sees a clean view with one prominent Pay button — direct debit, open-banking pay-by-bank or card.
- Step 3 · Collect
Adfin handles the collection.
Direct debit, open-banking variable recurring payments (VRPs) and instant pay-by-bank — collected by Adfin, a regulated UK payments provider, on the schedule the invoice sets.
- Step 4 · Reconcile
It posts to the books for you.
Payment received, invoice closed, bank line matched — all in real time. Your books are clean before the kettle’s boiled.
Payment methods
The collection method that fits each customer.
One invoice, multiple ways to pay. Each method routed through Adfin so reconciliation lands in the same place.
Pay-by-bank (open banking)
Customer pays from their bank account in two taps — no card fees, money lands the same day.
Variable recurring payments
Open-banking VRPs for variable subscription amounts — the new way to do consent-based collection without DD friction.
Card (where it fits)
Card-on-file via Adfin for the customers that need it. Auto- retry on failed payments, with bookkeeper notification.
Bank transfer
Pay-by-bank still doesn’t suit everyone. Manual bank transfers reconcile from the open banking feed automatically.
Failed payment handling
Auto-retry on a smart schedule. Dunning messages on the customer’s channel. Escalation flag for the bookkeeper.
For accountancy and bookkeeping firms
Stop being your clients’ receivables team.
- Every client on direct debitSet up the mandate at engagement, collected by Adfin every month.
- Late-payer viewSee which clients are overdue, why, and what the system has done about it.
- Pay your suppliers from the same placeBills queued, approved, paid via the same Adfin rails.
For businesses and finance teams
Get paid faster. With less chasing.
- Recurring invoices, automatedSubscriptions, retainers, rent — issued and collected on schedule.
- One Pay button, every methodDirect debit, pay-by-bank, card — customer picks what suits.
- Auto-reconciled bookkeepingPayment in, invoice closed, bank line matched, VAT updated.
Payments are too important to outsource to a no-name processor. SmartBooks routes every payment through Adfin — a regulated UK payments provider — so direct debit, open banking and card all land in your books with one reconciliation trail.— SmartBooks payments principle
Invoicing and payments
Send your next invoice. Get paid automatically.
Pilot cohorts are running through 2026. Join the waitlist or book a demo to see the full invoice-to-cash flow.
Running a firm? Book a 15-minute demo.