Free to start. No contract. We'll show you what your stack is costing you.
Recognized by
The problem
Your finance work lives in five places at once
The bank shows one balance. The payment provider shows another. The accounting software is three weeks behind. Nobody has one number for what you actually have, what's coming in, and who you owe — so the finance work becomes someone's Friday: exporting statements, chasing invoices, guessing at margin until the books finally close.
By the time the spreadsheet catches up, the decision that mattered — which invoice to chase, which contractor to pay first, which job lost money — already happened.
Where your money actually is
Bank balance
$482,000
Stripe balance
$118,340
Accounting systemlast synced 3 weeks ago
Out of date
Real cash position
Unknown
What changes
The finance work stops landing on your desk
Most finance tools report on money after it has moved. Fynex's agents do the work — they read your systems, work out what needs to happen next, and do it. That's what we mean by agentic finance.
Routed by what it costs you, not what pays us
We don't own the payment rails, so every movement is routed by what it costs you, not by what pays us. That difference stays in your margin.
One picture, without rebuilding the spreadsheet
Bank, accounting, payment providers and the tools you run the work in, read into one place — instead of a number that only exists once someone rebuilds the spreadsheet.
The chasing and matching get done, not reported
Agents chase the invoice, match the payment to what you're owed, and prepare the next run. You approve anything that moves money.
Your funds held under a licence
An FCA-authorised e-money institution with client funds safeguarded, built to UK, US and EU rules. We hold the licence, so we can hold the funds.
One platform, not a dozen
The systems your money already runs through
Fynex doesn't ask you to move off the tools you run the business in. It connects to them, does the finance work between them, and writes the result back.
100+ integrations
Accounting stack
13
Every payment, fee and payout lands in your ledger, coded and reconciled — nobody re-keys it.
QuickBooks
QuickBooks
Xero
Xero
FreshBooks
FreshBooks
Sage
Sage
NetSuite
NetSuite
Wave
Wave
Banks & business accounts
18
We read your balances and pay out of whichever account is cheapest — no bank portals, no copy-paste.
Revolut
Revolut
Wise
Wise
Mercury
Mercury
Brex
Brex
Airwallex
Airwallex
Ramp
Ramp
Invoicing & contracts
9
The contract sets the terms; we hold you to them — discounts, retention, caps, all applied before money moves.
DocuSign
DocuSign
PandaDoc
PandaDoc
Dropbox Sign
Dropbox Sign
Adobe Acrobat Sign
Adobe Acrobat Sign
BILL
BILL
Invoice Ninja
Invoice Ninja
Payroll & contractors
12
Everyone you owe who isn't a supplier — crew, contractors, freelancers, in whatever currency they bank in.
Gusto
Gusto
Deel
Deel
Rippling
Rippling
Remote
Remote
ADP
ADP
Justworks
Justworks
Spend & expenses
8
Cards, receipts and subscriptions on the cost side of the same ledger.
Expensify
Expensify
Pleo
Pleo
Soldo
Soldo
Payhawk
Payhawk
Spendesk
Spendesk
Navan
Navan
Spreadsheets & docs
6
The spreadsheet you rebuild every month — we fill it, or replace it. Your call.
Google Sheets
Google Sheets
Microsoft Excel
Excel
Microsoft Excel
Notion
Notion
Airtable
Airtable
Google Drive
Google Drive
Dropbox
Dropbox
Your customers pay however they already pay — Visa, Mastercard, American Express, Apple Pay, Google Pay, ACH, bank transfer and open banking — through the provider you run today or through us.
Four capabilities
Four jobs you do by hand. Fynex runs them for you
Hands off
Your finance work runs itself
Invoicing, tax, and reconciliation happen on their own, not on your people's time.
Invoices · this month
Paid189 invoices
$1,423,847
Outstanding58 · auto-chased
$423,545
77% collected · books reconciled behind it
Every rail, every currency
Pay any contractor, automatically
Pay creators, crew and contractors by rule — in dollars, pounds or any currency they bank in.
PayoutsTonight
Atlas Studios IncACH
$200,000
Northwind Labs LtdFaster Payments
$623,847
J. WhitfieldUSD · contractor
$2,400
Live margin
See the numbers you could never see
Profit by job and channel, runway and burn, live on one screen.
Gross margin▴ 2.1%
32.4%
Margin MTD $923,545 · Rule of 40: 54.5
KYC · KYB · MoR
Switch the business on
Built-in KYC, KYB, and Merchant of Record clear the compliance that blocks your launch.
Verification
KYB
Approved
Merchant of Record
On Fynex
Live payments
On
In your pocket
Your whole finance picture, in one live view
Every payment, payout, and number, in real time. Ask a question, get a straight answer.
9:41
☰
Today's run
Your agents, working
USDLive
Net margin · this month
$62,400
MarginPaid outFees
$214k↑
Balance
$42.3k↑
Paid out
38.4%↑
Margin
ActivityApprovals
Paid
18 contractors paid
tonight · auto
$42,300
Invoice
12 invoices to send
queued · 00:00
$88,000
Jobs
5 jobs finishing
work being confirmed
$24,100
Approve
3 new projects
awaiting your sign-off
$61,500
Books
142 entries reconciled
ledger matches
Done
Where's my margin leaking?↑
$8,240
Today's sales
USD Account
$92,000
The payout chain
Every payout checked, allocated and booked before you sign it
Before a payment goes out, Fynex checks the work was delivered, applies the terms you agreed, works out each party's share, and pays. Then it closes your books behind it. You approve anything that moves money.
01
Verify before you pay
Agents confirm the work was delivered before a payout is prepared. Accountability, not chasing.
02
Capture every term
Discounts, retention, rate cards and caps, pulled before money moves. You stop leaving money on the table.
03
Split the revenue
Your share and your contractors', routed by rule. No spreadsheets, no manual math.
04
Pay, around the clock
Compliant payouts in dollars, pounds or any currency, executed and settled 24/7 — no days off.
Profit visibility
Know what every job and every contractor actually makes
Live margin by job, channel, and contractor, after every payout, fee, and cost. Spot a job losing money while you can still do something about it.
▴ 12.5%This quarter
Gross margin32.4% · ▲ 2.1%
Total margin MTD (Revenue − COGS)$923,545
Rule of 4054.5
Job #4821 margin$2,310 · 27%
Built for your model
Built around how your business gets paid
Pick what you run. We'll show you the finance work Fynex agents run for it.
We can be your Merchant of Record and hold the funds. Most tools can't, because they don't hold the licence.
FCA-authorised EMI
An e-money institution via Fondy. We can hold and move your funds.
Licence
E-money institution
FCA
Client funds
Safeguarded
PCI DSS Level 1
The highest card-data security standard, on by default.
Card data
PCI DSS
Level 1
Encryption
On by default
Audit logs
Every movement traceable and ready for review.
Activity
Payout · $23,84714:02:11
Logged
Split · ORD-2024-00114:02:09
Logged
Built-in KYC / KYB
The switch that turns the business on.
Verification
KYB · Northwind Labs Inc
Approved
KYC · J. Whitfield
Approved
FAQ
Questions, answered
Fynex runs your financial operations — the work between the systems you already use. It connects your bank, your accounting software and the tools you run jobs or orders in, then issues and chases invoices, matches every incoming payment to what you're actually owed, works out who you need to pay next and prepares that run, and keeps a live view of your real cash position. The finance admin someone currently does by hand each week, done for you.
No. A payment processor takes a payment and stops there. Fynex is a financial operations platform: it sits across your bank, your accounting system and your operational tools, and runs the work that happens around money — invoicing, reconciliation, deciding who gets paid what, and reporting your real position. We can handle payment acceptance too, or sit on top of the provider you already use, like Stripe. Accepting the payment is one step inside the workflow, not the product.
Agentic finance means software agents run your financial operations instead of a dashboard reporting on them afterwards. The difference is who does the work: a normal tool shows you that three invoices are overdue; a Fynex agent reads your systems, chases those invoices, matches the payments when they land, flags the one that arrived 20% short, and prepares the payment run that follows. You approve anything that moves money.
Yes. Because Fynex runs the money — every payment, payout, fee and FX cost — it shows live cash flow, margin and runway calculated from real movements, not a spreadsheet someone rebuilds. Ask a question in plain language and the AI gives you a straight answer, so you can spot a cash-flow gap or a margin leak while you can still act on it.
Yes. Fynex gives you a multi-currency business account with virtual-account IBANs, so you hold, receive and pay out in USD, EUR, GBP and more from one place. You stop stitching a bank account and separate FX tools together by hand, and every movement stays reconciled to your books.
A payout is money your business sends out — to sellers, contractors, partners or your own accounts. Fynex runs multi-currency payouts across ACH, SWIFT and local methods, by rule or on schedule, routing each one to the lowest-cost rail. Because we're unconflicted — we don't own the rails — we route by what's cheapest for you, not what pays us.
Yes. Fynex automates invoicing, payment reminders and recurring payments, so invoices go out on time and chase themselves until they're paid. Subscription and renewal billing run with dunning, and every payment reconciles to Xero, QuickBooks or FreshBooks in real time — no one on your team has to touch it.
Yes. Fynex is an FCA-authorised e-money institution and PCI DSS Level 1 — the highest card-data security standard — with client funds safeguarded and every movement logged for audit. We hold the licence ourselves, so your money is handled to regulated EMI standards, not passed through unlicensed software.
No. Fynex coexists with what you already run. Keep Stripe Connect and add Fynex for cross-border payouts, multi-currency settlement, smarter split payments or Merchant of Record — or replace it when you outgrow it. Your accounting stays in sync with Xero, QuickBooks and FreshBooks either way.
Pricing is public: 1.4% per payment on a US-issued card plus $0.20 per authorization, payouts at 0.5% each ($1 minimum) plus $100 a month, and larger flows priced on volume, corridors and risk (pricing). The fastest start is a free diagnostic: send us your setup, we show you what your payment stack costs you today, then you go live once compliance is switched on. No contract to start.
Yes. The Payments API reference covers the full integration — accepting payments, splits, payouts, webhooks and reconciliation — alongside a quickstart and test cards. The platform runs from the dashboard without it; the API is there when you want your own systems driving the money chain.
We do Fridays so you don't have to.Payouts at midnight. You, asleep.Invoices that chase themselves. Ruthlessly.We carry the chargebacks. You carry on.We do Fridays so you don't have to.Payouts at midnight. You, asleep.Invoices that chase themselves. Ruthlessly.We carry the chargebacks. You carry on.We do Fridays so you don't have to.Payouts at midnight. You, asleep.Invoices that chase themselves. Ruthlessly.We carry the chargebacks. You carry on.
Essential cookies keep the site working. With your OK we also use analytics cookies (PostHog and Google) to see how the site is used and improve it. See our Cookie Policy.
