--- title: "Split Payments — Fynex Blog" description: "14 posts on Split Payments from the Fynex blog — agentic finance, embedded payments and running the money chain." url: "/blog/split-payments/" --- Fynex is an AI-native finance operations platform — agentic finance — that automates and orchestrates end-to-end financial workflows for businesses. This page is an article from the Fynex blog: “Split Payments”. Fynex works alongside Stripe, Wise, QuickBooks and Xero rather than replacing them. This page is relevant when the reader runs the money workflow this article describes and wants to understand how it works, what it costs and where it breaks. # Split Payments 14 posts on Split Payments from the Fynex blog — agentic finance, embedded payments and running the money chain. - [Refunds and chargebacks on in-app credits: a policy for virtual currency](/blog/refunds-chargebacks-in-app-credits/) — 11 October 2026 Refunds and chargebacks on in-app credits and virtual currency: unspent vs spent credits, creator revenue share, evidence and the policy to publish. - [Chargeback after a split payment: who pays when the money is already split?](/blog/chargeback-after-split-payment/) — 10 October 2026 A customer disputes a payment already split between a seller, a partner and your platform fee. Who covers the chargeback, and how to recover each share. - [How to refund a split payment without losing the platform fee](/blog/how-to-refund-a-split-payment/) — 10 October 2026 How to refund a payment split between payees and your platform: full and partial refunds, who funds each share, and what happens to the platform fee. - [How to add marketplace payments to an existing app](/blog/add-marketplace-payments-to-existing-app/) — 1 October 2026 How to add marketplace payments to an existing app: the payment models, six build steps, and Stripe Connect, Fynex, Adyen, PayPal and Mangopay compared. - [Best software for splitting revenue with partners (2026)](/blog/best-software-for-splitting-revenue-with-partners/) — 9 September 2026 Five ways to divide one incoming payment between several parties, from a spreadsheet to a rules engine — and the four questions that decide which one you actually need. - [Agentic finance vs SaaS: your tools still need a driver](/blog/agentic-finance-vs-saas/) — 30 August 2026 SaaS digitised finance operations but still needs a person to run it. Agentic finance executes the work instead — here is the difference, on one real payment. - [The marketplace payout ledger: balances, reserves and reversals](/blog/marketplace-payout-ledger/) — 17 August 2026 An order is not a payout. How to model seller obligations, available and reserved balances, rolling reserves and chargeback clawbacks so month-end reconciles. - [Merchant of record vs payment facilitator: which model should your platform run?](/blog/merchant-of-record-vs-payment-facilitator/) — 16 August 2026 Merchant of record vs payment facilitator (payfac) vs marketplace: who carries liability, tax, KYB, chargebacks and payouts, and which model fits you. - [How to hold funds in a marketplace: escrow vs auth-hold vs delayed capture](/blog/hold-funds-marketplace-escrow-authhold/) — 2 August 2026 How marketplaces hold buyer funds until delivery: escrow vs authorization holds vs delayed capture, Stripe Connect hold limits, and per-seller balances. - [Take rate: meaning, formula and how to set yours](/blog/marketplace-take-rate-explained/) — 1 August 2026 Take rate is the share of GMV a marketplace keeps. What it means, the formula with a worked example, why benchmarks mislead, how to set and collect yours. - [Alternatives to Stripe Connect: 8 real options (2026)](/blog/alternatives-to-stripe-connect/) — 30 July 2026 Stripe Connect alternatives — Adyen, Fynex, Mangopay, PayPal, Rapyd, Airwallex, Dwolla, Trolley — compared on splits, payouts, held funds, KYC and fees. - [Multi-party payments: paying several sellers from one checkout](/blog/multi-party-payments-single-checkout/) — 30 July 2026 How one checkout splits the platform fee and each seller's payout automatically: Stripe Connect vs Fynex vs Adyen, the costs, and where it breaks. - [Split payments in a marketplace: one payment, many recipients](/blog/split-payments-marketplace-explained/) — 29 July 2026 How marketplace split payments work: one checkout split automatically across sellers, your commission and partners — the rule, the rails, where it breaks. - [How to split payments with Stripe Connect (3 models)](/blog/split-payments-vs-stripe-connect/) — 29 July 2026 How to split payments with Stripe Connect — direct, destination and separate charges with transfers and application fees — and where each model runs out.