Save 15+ hours every month. Collect client retainers on autopilot, sync Barclays, Monzo & Revolut bank feeds in real-time, and get MTD-ready VAT reports.
Reclaimed monthly from manual invoice chasing & reconciliation
Lower transaction fees via Direct Debit vs standard card processors
On-time monthly retainer collections on the 1st of every month
See how much your UK agency saves by switching from credit cards (Stripe) to GoCardless Direct Debit & AI Bookkeeping.
£328 saved every month
Saved per month on invoice chasing
Autonomous financial operations built to solve the exact bottlenecks of UK service businesses.
Set up GoCardless BACS Direct Debit once. Invoices are generated and money is pulled straight from client banks on the 1st of every month.
Direct FCA-regulated Open Banking feeds for Barclays, Monzo, Revolut, NatWest, HSBC, Starling, and Lloyds with zero CSV exports.
Real-time 20% Standard, 5% Reduced, and Zero-rated VAT tracking. Generate CPA-ready P&L statements with one click.
Replace 4 disconnected tools with 1 unified AI financial operating system.
Charge SEO, PPC, and development clients recurring retainers with automated Direct Debit collection.
Snap photos of contractor invoices, software subscriptions, and team expenses for instant 98% accurate categorization.
Bill overseas clients in USD or EUR through Wise Business pots with real-time exchange rate conversion.
See exact revenue, contractor costs, and net margin per client to know which agency retainers are most profitable.
Modern AI & Direct Debit automation vs. traditional manual accounting.
| Capability | Finviva UK | Legacy Tools (Xero / Stripe) |
|---|---|---|
| Client Retainer Automation | ✓ Native Direct Debit (Automated pull) | Manual email invoice & wait |
| UK Open Banking Feeds | ✓ Live TrueLayer OAuth (Instant) | Delayed feeds or paid add-ons |
| Transaction Fees on £5,000 Invoice | ✓ 1% capped at £4.00 max | £75.00 – £125.00 (Stripe 1.5–2.5%) |
| Multi-Company Profiles | ✓ Up to 12 entities included | Pay full subscription per company |
| AI Receipt Scanner | ✓ Built-in Vision AI | Requires third-party Hubdoc/Dext add-on |
Everything you need to know about setting up UK accounting, Open Banking, and Direct Debit retainers.
When you onboard a client, Finviva sends them an authorization link to set up a Direct Debit mandate via GoCardless. Every month on your billing date, Finviva automatically creates the invoice and pulls the retainer payment directly from the client’s bank account. You never have to chase payments again.
Finviva connects through TrueLayer to all major UK banks including Barclays, Monzo, Revolut, HSBC, NatWest, Lloyds, Santander, Starling Bank, Tide, and Halifax.
For a £3,000 monthly retainer, credit card processors like Stripe charge 1.5% to 2.5% (£45 to £75). GoCardless Direct Debit inside Finviva is capped at £4.00 max, saving you over £500 per client every year.
Yes. Finviva tracks standard 20%, reduced 5%, and zero-rated VAT across all client invoices and operating expenses, providing instant quarterly summaries ready for your UK accountant.
14-day free trial. Instant setup with Barclays, Monzo, Revolut & GoCardless. Cancel anytime.