One commission fits nobody
Your best seller and your newest seller are not the same deal. Fynex holds a split rule per seller — percentages and flat fees together, in the order you choose, with floors and ceilings that hold — and shows you the exact outcome before a single payment lands.
Your commission logic lives in a spreadsheet, and it shouldn't
Platforms outgrow a single commission rate almost immediately. One seller negotiated a better cut. Another is on an introductory rate for ninety days. A third has a flat listing fee on top of the percentage. The moment the terms stop being uniform, the money stops matching the rule — so someone rebuilds the arithmetic by hand in a sheet, every settlement, and hopes nobody checks.
The failure is quiet and expensive. A percentage gets applied to the gross instead of what actually settled, and the platform pays out money the payment never brought in. Two rules end up live at once after a mid-month change. A refund lands and nobody can say whose share it came out of. None of this shows up as an error — it shows up as a slow leak, and as sellers who don't trust your numbers.
How split payments runs on Fynex
Three steps from setup to settled — then it runs itself.
- 1
Write the rule once, per seller
Add a line for every party who gets paid: a percentage, a flat amount, or both on the same payment. Give each line a priority, a floor and a ceiling. Address payees by the IDs you already use in your own system — no second set of identifiers to reconcile.
- 2
Preview it before you trust it
Run any amount through the rule and see exactly what each party receives — gross, fee and net, line by line, plus the remainder to the penny. The preview isn't a model of the engine. It is the engine, running the same code and the same rounding the money runs on.
- 3
Activate, and it holds
Activating a rule atomically retires the previous one, so two versions can never be live at the same time. Every change bumps a version and carries its own effective date, which means a settlement can always be traced back to the exact terms that produced it.
The four things one commission rate can't do
Not a rate field. A rules object that survives contact with real commercial arrangements.
Percentages and flat fees on the same payment
A line can be a percentage, a fixed amount, or a mix across the rule — an 82% seller share, a 12% commission and a flat listing fee, all resolved against one payment. Percentages are held in basis points, so a 2.75% cut is exactly 2.75%, not a float that drifts.
Priorities, floors and ceilings per line
Every line carries its own order, a minimum it can't fall below and a maximum it can't exceed. That's how a fixed platform fee stays whole on a small order while a percentage share flexes around it.
You decide what happens when the math doesn't fit
If the lines add up to more than the payment, the outcome isn't a surprise — you chose it in advance. Fail the split outright. Fill lines in priority order until the money runs out. Shrink only the percentage lines and leave flat fees intact. Or scale everything down proportionally.
Allocated on what actually settled
Shares are calculated against the net settled amount, after processing costs — so a split can never promise money the payment didn't bring in. The most common way platforms quietly overpay is closed off by construction.
Where a payment actually goes
One order, resolved against a live rule — and every figure is what the engine returns from a preview, before the money moves.
The intelligence behind every split
The rule decides who is owed what. The layer underneath watches what it costs you to get the money there, and what the numbers say about the sellers on the other side of the split.
The same job, with the leaks closed
Point tools solve part of it. Fynex runs the whole thing on one platform.
What else comes with it
Beyond the headline job, every account gets the whole platform behind it.
Shares that follow the order
For baskets with several sellers, a rule can take its shares from the payment's own distribution — the same rule splits differently on every order.
The remainder always lands
Rounding leftovers go to your main wallet or a dedicated remainder wallet. The destination is re-checked when the money moves, not just when the rule was written.
Your IDs, not ours
Payees are addressable by the identifiers your platform already uses, so nothing has to be mapped back and forth to read a settlement.
Every version, dated
When a seller asks why last quarter looked different, the terms that produced it are still on file — you're not reconstructing intent from a changelog.
Allocate, then move
A split lands money in each party's wallet; paying it to a bank account is a separate step — so you can hold, net off or batch before anything leaves.
Payee verification built in
Every payee is verified before their first payout, so a split can't allocate into an account that can't legally receive it.
Rules over the API
Create, preview and activate split rules programmatically — or run the whole thing from the dashboard without writing code.
Settlement statements
Per-seller statements you can hand over, generated from the same allocations the money followed.
The stack a split touches
Money arrives, the rule allocates it, and the result is written back to the system you keep your books in — so a split shows up in your accounting the same way it shows up in your wallets.
Accounting stack
13Every payment, fee and payout lands in your ledger, coded and reconciled — nobody re-keys it.
Banks & business accounts
18We read your balances and pay out of whichever account is cheapest — no bank portals, no copy-paste.
Stores & marketplaces
7Where your revenue actually arrives — orders, fees and refunds pulled in per channel.
Site & app builders
9Whatever you built the business on — payments, invoicing and payouts wire into it without a dev project.
CRM & sales
7The deal, the customer and the terms — pulled in so invoicing starts itself.
Payment acceptance
10Keep the checkout you already run. We take it from the moment the money lands.
Your customers pay however they already pay — Visa, Mastercard, American Express, Apple Pay, Google Pay, SEPA, bank transfer and open banking — through the provider you run today or through us.
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.