Why Middle Market Firms Need an Automated Payment System

Running a middle market business often means juggling dozens of invoices, chasing late payments and wrestling with paper checks. It’s messy. Time-consuming. And it puts your cash flow at risk.

Enter the automated payment system. Think of it as a digital backbone for your accounts receivable:

No more manual data entry.
Instant visibility of outstanding invoices.
Direct integration with your accounting software.
Secure, paperless payments.

Sounds good. But which solution fits your needs? Let’s pit the market leader AvidXchange against Adfin’s paperless payment processing.

AvidXchange at a Glance

AvidXchange has built a solid reputation in accounts payable automation. Here’s what they do well:

Vendor Choice: Offers both e-payments and physical checks to suit diverse supplier preferences.
Integration: Connects with major accounting systems so onboarding feels familiar.
Process Automation: Automates invoice capture with OCR and maintains a real-time bill-pay list.

But there are downside notes to consider:

Complexity can slow small teams.
Pricing models often include monthly fees that aren’t fully transparent.
Dashboard views can feel scattered when handling multiple clients.
Primarily optimised for US mid-market—expansion to UK, Canada or Australia isn’t seamless.

Introducing Adfin’s Paperless Payment Processing

Adfin built its solution from the ground up for accountants, bookkeepers and growing businesses in the UK, Canada and Australia. Here’s why our automated payment system stands out:

Automated Invoice Management
– Generate, upload or sync invoices from Xero and QuickBooks.
– Automatic payment reminders, so you never miss a due date.
Smart Payment Solutions
– Offer card, bank transfer or Direct Debit with fallback methods.
– Pay-per-transaction pricing—no monthly fees, no hidden costs.
Credit Control Dashboard
– One single view for every client and transaction.
– Reconcile payments, track credit risk and automate follow-ups.

Put together, these products eliminate manual tasks and free up your finance team to focus on what matters—growth.

Side-by-Side Comparison

Feature	AvidXchange	Adfin
Market Focus	US mid-market	UK, Canada, Australia & beyond
Pricing	Subscription + per-transaction fees	Transparent pay-per-transaction
Integration	Core accounting only	Xero, QuickBooks and more via single dashboard
Dashboard	Separate AP & invoice views	Unified Credit Control Dashboard
Automation Level	AP-centric	End-to-end AR automation
Onboarding Complexity	Medium to high	Fast, intuitive and client-centric

The Adfin Advantage

Faster Setup: Onboard in days, not weeks.
Complete Visibility: Know exactly where each invoice sits.
Zero Surprise Fees: You only pay when you get paid.
Global-Ready: Tailored for multiple regions and currencies.

Real-World Example

Meet Sarah, an accountant in Manchester. She juggles invoices for ten clients across retail and manufacturing. Before Adfin, she spent hours chasing payments and reconciling spreadsheets. Now?

She logs into one dashboard.
She sees overdue invoices flagged in red.
A quick click sends a payment link or reminder.
Payments arrive in days, not weeks.

The result: happier clients, healthier cash flow and more time to advise on strategy.

Getting Started with Adfin

Switching to our automated payment system is simple:

Sign up at https://www.adfin.com
Connect your Xero or QuickBooks account.
Upload existing invoices or generate new ones.
Sit back and watch the automation work.

Need help? Our UK-based support team is on hand to guide you through every step.

Ready to upgrade from manual processes and legacy tools?
Switch to Adfin’s paperless payment processing today and see how our automated payment system transforms your cash flow.

Get started with Adfin