Destination charge

A destination charge is a Stripe Connect model where the platform creates the charge on the buyer but the funds route straight through to a single connected seller’s account, with the platform’s fee skimmed off the top.

How it works

• The platform owns the charge, so it’s the merchant on the transaction.
• The money is directed to one destination account as part of the same charge.
• The platform’s cut — its take rate — is deducted automatically, and the seller receives the rest.

The trade-off against separate charges and transfers: it’s simpler, but the money lands on one seller, so it fits a single-seller sale rather than a payment owed to several parties at once.

Why it matters

A destination charge is clean when a sale has exactly one seller and one platform fee. The moment a payment owes two sellers, a referral partner and your commission, the single-destination model runs out of road and you’re back to bolting on extra transfers to divide the money.

How Fynex does it

Fynex is built for the multi-party case from the start — one incoming payment split across many recipients in a single run, each in their own currency, by rule or per transaction. That’s the gap it fills against a single-destination Stripe Connect charge. See split payments for platforms.