For distributors & wholesalers

The money layer for distribution & wholesale

Pay the supplier network in one multi-party run, match every invoice to its purchase order, and reconcile per order — in any currency, without becoming a payments company.

Get in touch
Free to start. No contract. We'll show you what your finance stack is costing you.
Pay all 38 suppliers in one run tonight.
Carl Jensen
Carl Jensen
Head of Operations
Match this invoice to its purchase order.
Ines Costa
Ines Costa
Controller
Pay the German supplier in euros, no FX desk.
Paolo Greco
Paolo Greco
Finance Lead
What's our margin on this order?
Lena Voss
Lena Voss
Founder
Pay all 38 suppliers in one run tonight.
Carl Jensen
Carl Jensen
Head of Operations
Match this invoice to its purchase order.
Ines Costa
Ines Costa
Controller
Pay the German supplier in euros, no FX desk.
Paolo Greco
Paolo Greco
Finance Lead
What's our margin on this order?
Lena Voss
Lena Voss
Founder
The problem

A supplier network to pay, and every invoice matched by hand

A distributor sits between suppliers, warehouses and retailers, with money moving in every direction: paying dozens of suppliers, matching each invoice to a purchase order, and often paying overseas in another currency. Your ERP holds the orders and stock, but it doesn't move the money, run the supplier payouts or match the invoice to the PO — so you run payments through a bank portal, three-way-match by hand, and reconcile per order at month-end.

A distribution platform is the orchestrator; the suppliers, warehouses and retailers underneath it each need the same thing — paid on time, matched to the order, and cash they can plan around. Land the network, then serve the suppliers trading through it.

Supplier run · this week
Suppliers paid38 vendors
$612,400
Cross-border
$184,200
Invoices matched to PO
100%
Unreconciled orders
0
What Fynex runs

The jobs, handled

The work you do by hand today. Fynex runs it for you.

Multi-party

Pay the supplier network in one run

Every supplier paid in a single multi-party run, across every rail, on your terms — not a transfer per vendor through a bank portal.

Supplier payouts
Northwind Supply IncACH · net-30
$42,800
Meridian Goods IncACH · net-30
$31,600
Delta Imports GmbHSEPA · net-45
€28,400
Three-way match

Match every invoice to its PO

Purchase order, goods received and invoice matched automatically, so a payment only goes out when the order ties out — no three-way-matching by hand.

PO-4471 · matched
Purchase order
$42,800
Goods received
Confirmed
Invoice
Matched
Every corridor

Pay suppliers in any currency

Domestic and overseas suppliers paid in their own currency over the cheapest compliant rail — SEPA, SWIFT and local methods — instead of manual FX and held cross-border payments.

Cross-border
USDEURGBP
Delta Imports · SEPA
€28,400
Kwan Trading · SWIFT
$17,200
Books tie out

Reconcile per order, see margin

Every supplier payment posts against the order it paid for, so what each order cost — and made — ties out automatically, with margin per order and per supplier in real time.

Gross margin per order▴ +1.2pt
19.6%
38 suppliers · rolling 30-day cash positive
How we compare

The finance work that's eating your week

Other tools solve part of it. Fynex solves all of it, on one platform.

The problem
Other platforms
!Pay the whole supplier network
A transfer per supplier through a bank portal.
One multi-party run pays every supplier, any rail.
!Match invoices to purchase orders
Three-way-matched by hand, reconciled late.
Every invoice matched to its PO automatically.
!Pay suppliers overseas
Manual FX; cross-border payments held or delayed.
Multi-currency supplier payouts worldwide.
!Carry the payment & tax risk
Risk and compliance stay on the platform, no Merchant of Record.
We're Merchant of Record on our FCA-authorised EMI.
!Reconcile per order
Matched to orders in a month-end spreadsheet.
Every payment tied to the order automatically.
How an order settles

See where the money goes

A retailer pays for an order. Fynex pays the suppliers, matches the invoices to the PO, and keeps your margin, in real time.

CustomerOrder of $52,000Suppliers$42,000paid outYour platform$9,000marginFynex$1,000on results
Everything you get

The full finance stack, in one place

Beyond the headline jobs, every page ships with the whole platform behind it.

Multi-party supplier payouts

Pay the whole supplier network in one run, any rail.

Invoice-to-PO matching

Three-way match, so payments only go out when orders tie out.

Multi-currency payouts

Pay overseas suppliers in their own currency, no manual FX.

Margin per order

Real-time gross margin per order and per supplier.

Multi-currency wallets

Hold and move a balance per currency, in one ledger.

ERP & API

Connect the ERP you run, with signed webhooks and one API.

One platform, not a dozen

Connects to the stack you already run

Cards and wallets in, payouts out, your accounting and tools in sync.

Revolut
Revolut
Wise
Wise
Mercury
Mercury
Bank of America
Bank of America
Apple Pay
Google Pay
Visa
Mastercard

Find what you're leaking, for free

Send us your setup. We run a free diagnostic and show you what your payment stack costs you today.

One recent diagnostic found €2M in hidden fees across 10 processors for a proptech client.
Get in touch
Compliance, handled

The trust layer most software can't offer

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 is the money layer underneath your distribution business. It pays the supplier network in one multi-party run, matches every invoice to its purchase order, pays overseas suppliers in their own currency, and reconciles per order. Your ERP keeps the orders and stock; Fynex moves the money and carries the risk as Merchant of Record — without becoming a generic spend-management tool.
Fynex runs the three-way match — purchase order, goods received and invoice — automatically, so a supplier payment only goes out when the order ties out. You stop matching invoices to POs by hand and stop chasing the ones that don't reconcile.
Yes. Domestic and overseas suppliers are paid in their own currency over the cheapest compliant rail — SEPA, SWIFT and local methods — so cross-border payments stop getting held for review and you stop running manual FX.
Those are horizontal AP and card tools. Fynex is the money layer for a distribution network specifically: multi-party supplier payouts tied to purchase orders and reconciled per order, with the platform as Merchant of Record. It runs the order-to-payment flow of the business, not just expense cards and bill pay.
No — it sits underneath it. Your ERP keeps orders, inventory and suppliers; Fynex owns the money movement it doesn't do — supplier payouts, invoice-to-PO matching, multi-currency and reconciliation — and connects back to the ERP you already run.
Yes. On our FCA-authorised EMI licence, Fynex acts as Merchant of Record — the payment and cross-border tax risk sits with us instead of your platform, so you move money across suppliers and retailers without holding licences yourself.
You can test the full flow — supplier payouts, invoice-to-PO matching, multi-currency and reconciliation — in a sandbox before going live. Pricing is agreed per case, including performance-share models, so terms fit your order volumes and corridors. Start with a free diagnostic of what your current supplier-payment setup is costing you.
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.

Run the network. We'll run the money underneath it

Get in touch
Spreadsheets, retired with honors.Month-end close, minus the month-end.FX fees, caught red-handed.Fewer tools. Fewer tabs. Fewer tears.Your CFO's favorite coworker never takes lunch.Spreadsheets, retired with honors.Month-end close, minus the month-end.FX fees, caught red-handed.Fewer tools. Fewer tabs. Fewer tears.Your CFO's favorite coworker never takes lunch.Spreadsheets, retired with honors.Month-end close, minus the month-end.FX fees, caught red-handed.Fewer tools. Fewer tabs. Fewer tears.Your CFO's favorite coworker never takes lunch.
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