Marketplace wallet

A marketplace wallet is a stored balance the platform keeps for each seller — sales credit it, fees and refunds debit it, and the seller draws down or gets paid out from what’s sitting there rather than from each individual transaction.

How it works

• Every seller has a running balance that earnings land in as orders settle.
• Deductions — commission, refunds, a held reserve — come off the same balance.
• Payouts run from the wallet on a schedule or on demand, not one wire per sale.

Unlike paying a seller for every order, the wallet nets everything into one balance, so ten sales and two refunds become a single, clear figure.

Why it matters

Paying out per transaction is expensive and noisy — fees on every transfer, and no clean place to net a refund against future earnings. A wallet gives sellers a live view of what they’ve earned and gives the platform a natural place to park a reserve, apply fees, or hold funds until a condition clears.

How Fynex does it

Fynex gives each seller a stored balance, multi-currency, that credits as payments settle and pays out by rule or on schedule — with held funds kept separate when you need a reserve. See marketplace wallets and balance management.