Adfin

Adfin is a London-based fintech that combines payment collection and AI-powered credit control so businesses get paid faster. Its developer platform exposes invoicing, payments and credit-control APIs — create and activate invoices, issue payment requests with hosted payment pages, set up direct-debit mandates, and reconcile payments — plus signed webhooks for real-time invoice, mandate and payment events. Authentication is OAuth 2.0 (client-credentials for platforms, authorization-code for biller authorization), with an official Node.js SDK and a first-party MCP server for agent-driven invoicing. Adfin is a portfolio company of Index Ventures.

Adfin is listed with 1 API on the APIs.io network. Tagged areas include Company, Fintech, Payments, Invoicing, and Credit Control.

The Adfin catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Adfin’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, changelog, pricing, and 21 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

54.8/100 strong ▲ 7.9 Agent 39/100 agent ready Front door AI 4/6 moderate saas Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

AccessSelf serve

1 API 1 MCP Servers

Company Fintech Payments InvoicingCredit ControlDirect Debit Billing Accounts Receivable United Kingdom

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 54.8/100 · strong

Contract Quality 8.3 / 21

Developer Ergonomics 12.1 / 17

Access Clarity 14.3 / 17

Operational Transparency 3.2 / 11

Contract Governance 1.9 / 10

Discoverability 5.5 / 9

Regulatory Posture 4.4 / 15

Agent readiness — 39/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Show this score on your site.

It updates itself when the score changes. Paste this where you link to your API docs:

<a href="https://apis.io/providers/adfin/"><img src="https://apis.io/badge/adfin/card.svg" alt="Adfin on APIs.io — Kin Score by API Evangelist"></a>

Other styles, a README pill and a shields.io endpoint are on the badge page.

Raise your score.

Agent readiness — checks not met, largest first (exact, from this profile):

Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too

6 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 39.0 — up to +15.3 composite points
Contract Governance scores 18.2 — up to +9.8 composite points
Operational Transparency scores 28.9 — up to +9.2 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/adfin/apis.yml: open an issue on github.com/api-evangelist/adfin to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Adfin API

Invoicing, payments and credit-control API — customers, invoices, payment requests, direct-debit mandates, payments and signed webhooks.

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Adfin MCP Server

Local (stdio) MCP server; 3 tools listed.

MCP SERVER

Pricing Plans 2

Published pricing tiers and plan structures.

Adfin Plans Pricing

11 plans

PLANS

Adfin Price Estimates

0 plans

PLANS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Adfin Finops

FINOPS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Adfin Webhooks

ASYNCAPI

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Adfin Authentication

oauth2 · 3 schemes

SECURITY

Adfin Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

MCPServer

MCPServer

LLMsTxt

LLMsTxt

WellKnown

WellKnown

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

Webhooks

DataModel

Conformance

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

SDKs

SDKs

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

ChangeLog

ChangeLog

Commercial 4

Pricing, plans, and the legal terms of use

Plans

Pricing

TermsOfService

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: adfin
name: Adfin
description: Adfin is a London-based fintech that combines payment collection and AI-powered credit control so businesses
  get paid faster. Its developer platform exposes invoicing, payments and credit-control APIs — create and activate invoices,
  issue payment requests with hosted payment pages, set up direct-debit mandates, and reconcile payments — plus signed webhooks
  for real-time invoice, mandate and payment events. Authentication is OAuth 2.0 (client-credentials for platforms, authorization-code
  for biller authorization), with an official Node.js SDK and a first-party MCP server for agent-driven invoicing. Adfin is
  a portfolio company of Index Ventures.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://assets.adfin.com/frontend-resources/favicon/web-app-manifest-512x512.png
url: https://raw.githubusercontent.com/api-evangelist/adfin/refs/heads/main/apis.yml
x-type: company
x-source: index-ventures-portfolio
x-tier: profiled
x-tier-reason: enrichment-pipeline
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-17'
x-docs-platform: redocly
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-09-17
tags:
- Company
- Fintech
- Payments
- Invoicing
- Credit Control
- Direct Debit
- Billing
- Accounts Receivable
- United Kingdom
apis:
- name: Adfin API
  description: Invoicing, payments and credit-control API — customers, invoices, payment requests, direct-debit mandates,
    payments and signed webhooks.
  humanURL: https://developer.adfin.com/docs/welcome
  baseURL: https://api.adfin.com
  properties:
  - type: Documentation
    url: https://developer.adfin.com/docs/welcome
  - type: APIReference
    url: https://developer.adfin.com/reference/welcome-1
  - type: GettingStarted
    url: https://developer.adfin.com/products/direct-integration/guides/get-started/1_get-access
  - type: Authentication
    url: authentication/adfin-authentication.yml
  - type: Webhooks
    url: asyncapi/adfin-webhooks.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Plans
  url: plans/adfin-plans-pricing.yml
- type: Website
  url: https://adfin.com
- type: DeveloperPortal
  url: https://developer.adfin.com/
- type: Documentation
  url: https://developer.adfin.com/docs/welcome
- type: APIReference
  url: https://developer.adfin.com/reference/welcome-1
- type: GettingStarted
  url: https://developer.adfin.com/products/direct-integration/guides/get-started/1_get-access
- type: Support
  url: https://support.adfin.com/en/
- type: Blog
  url: https://adfin.com/blog
- type: ChangeLog
  url: https://developer.adfin.com/changelog
- type: GitHubOrganization
  url: https://github.com/Adfin-Engineering
- type: Pricing
  url: https://adfin.com/pricing
- type: SignUp
  url: https://console.adfin.com/auth/signup
- type: Login
  url: https://console.adfin.com/auth/login
- type: TermsOfService
  url: https://adfin.com/terms-of-service
- type: PrivacyPolicy
  url: https://adfin.com/privacy-policy
- type: Authentication
  url: authentication/adfin-authentication.yml
- type: Conventions
  url: conventions/adfin-conventions.yml
- type: Idempotency
  url: conventions/adfin-conventions.yml
- type: Webhooks
  url: asyncapi/adfin-webhooks.yml
- type: Packages
  url: packages/adfin-packages.yml
- type: SDKs
  url: packages/adfin-packages.yml
- type: MCPServer
  url: mcp/adfin-mcp.yml
- type: LLMsTxt
  url: llms/adfin-llms.txt
- type: WellKnown
  url: well-known/adfin-well-known.yml
- type: Sandbox
  url: sandbox/adfin-sandbox.yml
- type: DataModel
  url: data-model/adfin-data-model.yml
- type: Conformance
  url: conformance/adfin-conformance.yml
- type: DomainSecurity
  url: security/adfin-domain-security.yml

Adfin API — frequently asked questions

Does Adfin have an API?

Yes. APIs.io lists 1 API from Adfin, including Adfin API.

How do I authenticate with the Adfin API?

Adfin documents its authentication (oauth2 · 3 schemes). The details are profiled on APIs.io as Adfin Authentication.

How much does the Adfin API cost?

APIs.io lists 11 pricing plans for Adfin, with each plan's price, limits and inclusions under Pricing Plans on this page.

Does Adfin have an MCP server?

Yes. APIs.io lists 1 MCP server for Adfin: Local (stdio) MCP server; 3 tools listed.

Is the Adfin API ready for AI agents?

Adfin has a Kin Score of 54.8 out of 100 (strong) and an Agent Readiness score of 39.1 (agent-ready), scored by API Evangelist on 2026-10-31.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/adfin"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/adfin/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/adfin/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.