# Fynex

> Fynex puts AI agents on your money — they accept payments, split revenue, route every payout to the cheapest rail, and reconcile your books in real time. One AI-native finance platform, not a dozen tools.

Fynex is an AI-native financial operations platform: AI agents accept payments, split revenue, route every payout to the cheapest rail, invoice, and reconcile the books in real time. Each link below is that page's Markdown version, for machine reading.

Full text of every page in one file: https://fynex.ai/llms-full.txt

## Overview
- [Fynex — home](https://fynex.ai/index.md): Fynex puts AI agents on your money — they accept payments, split revenue, route every payout to the cheapest rail, and reconcile your books in real time. One AI-native finance platform, not a dozen tools.
- [About Fynex — The intelligence layer for finance, run by AI agents](https://fynex.ai/about/index.md): Other tools execute and stop. Fynex reasons across your whole money chain and runs on AI agents that act on the call, with your approval on every move. This is the intelligence layer for finance.

## Product
- [Invoicing & Collections](https://fynex.ai/features/invoicing/index.md): Fynex raises and sends your invoices automatically, reads every one with AI to catch errors, and gets you paid on a branded link in seconds. Recurring billing, multi-currency, tax and reconciliation — handled.
- [Payouts](https://fynex.ai/features/payouts/index.md): Pay sellers, contractors, crews and partners in any currency. Multi-party payouts routed to the lowest-cost rail — SEPA, SWIFT, local — on schedule or by rule.
- [Working Capital](https://fynex.ai/features/working-capital/index.md): Fynex tells you which bills to pay early to capture supplier discounts, which to safely delay, and shows the annualized return — always aware of your cash floor.
- [Cash](https://fynex.ai/features/cash/index.md): See your true cash position across every bank account, PSP and money in flight. A forward forecast from confirmed inflows and scheduled outflows, with cash-floor warnings.
- [Reconciliation](https://fynex.ai/features/reconciliation/index.md): Every payment and payout posts back to Xero or QuickBooks as a journal entry, scored for confidence. PSP deposits broken out, exceptions flagged.
- [Insights](https://fynex.ai/features/insights/index.md): Every other tool shows what you spent. Fynex proves what you saved: hours, FX, discounts and margin, auto-reported and tracked year to date.

## Who it's for
- [Payments & Payouts for Physical Businesses | Fynex](https://fynex.ai/physical-businesses/index.md): The money layer for physical businesses — property, construction and logistics. Collect payments, split them across owners and partners, pay your whole contractor network, and reconcile every payment to the job. Without becoming a payments company.
- [Marketplaces & Platforms](https://fynex.ai/marketplaces/index.md): Split every payment, onboard sellers with built-in KYC, and let Fynex carry the chargeback and tax risk as Merchant of Record. Launch without becoming a payments company.
- [Property Platforms](https://fynex.ai/property/index.md): The money layer for commercial property management platforms. Collect rent, split fees to owners, pay the contractor and vendor network in one run, and reconcile every invoice to every property — without becoming a payments company.
- [Construction](https://fynex.ai/construction/index.md): The money layer for construction platforms and contractors. Collect progress billings, pay subcontractors and suppliers with retention and lien waivers handled, reconcile to the job, and see true margin per project — without becoming a payments company.
- [Logistics & Freight](https://fynex.ai/logistics/index.md): The money layer for freight and logistics platforms. Collect from shippers, settle carriers in one run with quick-pay or factoring built in, handle fuel and accessorials, and reconcile every payment to the load — without becoming a payments company.
- [Healthcare staffing](https://fynex.ai/healthcare/index.md): The money layer for healthcare staffing platforms. Bill clinics and facilities, pay nurses, doctors and per-diem or locum clinicians on time, settle medical suppliers, and reconcile every payment to the placement — without becoming a payments company.
- [Distribution & wholesale](https://fynex.ai/distribution/index.md): The money layer for distributors and wholesalers. Pay the supplier network in one multi-party run, match invoices to purchase orders, and reconcile per order in any currency — without becoming a payments company or a generic spend tool.
- [Software Companies](https://fynex.ai/studios/index.md): Multi-currency accounts, auto-invoicing with reminders, scheduled contractor payouts, and live runway. Run your finance back office without anyone touching it.
- [Home Services](https://fynex.ai/home-services/index.md): See real profit by job, channel, and crew, then pay your crew, PM, and salesperson automatically. One connected money view, without stitching a dozen tools.
- [Digital Agencies](https://fynex.ai/agencies/index.md): Live margin per project, automated multi-currency freelancer payouts, and retainer billing on autopilot. Keep the margin you bill for, without the spreadsheet work.
- [Professional & Accounting](https://fynex.ai/professional/index.md): No-code payment links, books that reconcile themselves, automated renewals, and partner payouts. Live once compliance is switched on. No developers.

## Marketplace building blocks
- [Split payments](https://fynex.ai/marketplaces/split-payments/index.md): Divide one customer payment across sellers, your platform fee and partners at the moment of sale. Rule-based split payments for marketplaces, in any currency or corridor — without becoming a payments company.
- [Escrow & held funds](https://fynex.ai/marketplaces/escrow/index.md): Hold a buyer's payment in escrow until the order or job is delivered and approved, then release it to the seller — with no 90-day cap. Escrow-style held funds for marketplaces and platforms, on an FCA-authorised EMI licence.
- [Delayed capture](https://fynex.ai/marketplaces/delayed-capture/index.md): Authorize a card at checkout and capture the payment later — when the order ships, the job is done, or the final amount is known. Delayed capture and authorization holds for marketplaces, without the short card-auth expiry.
- [Platform commission](https://fynex.ai/marketplaces/platform-commission/index.md): Collect your marketplace commission automatically at the moment of sale. Set your take rate once — a percentage, a flat fee or a tiered rule — and Fynex keeps your cut and routes the rest, with every fee traceable.
- [Seller onboarding & KYC](https://fynex.ai/marketplaces/seller-onboarding/index.md): Onboard and verify sellers with KYC and KYB built into your own signup flow — no third-party redirect, no silent rejections. Compliant marketplace seller onboarding that keeps conversion and cuts fraud.
- [Payout scheduling](https://fynex.ai/marketplaces/payout-scheduling/index.md): Pay sellers on a schedule, instantly, or by rule — mass multi-currency payouts across every rail, from SEPA and ACH to local methods. Automated marketplace payout scheduling, without the single-rail, US-first limits.
- [Marketplace wallets](https://fynex.ai/marketplaces/marketplace-wallets/index.md): Give every seller a wallet — a stored balance they can hold, receive splits into, and withdraw on demand — in multiple currencies on one ledger. Marketplace wallets and stored value, on an FCA-authorised EMI licence.
- [Balance management](https://fynex.ai/marketplaces/balance-management/index.md): Track every seller balance, split, reserve and payout on one ledger, reconciled to the transaction. Marketplace balance management and a payment ledger that keeps your books straight as money moves.
- [Contractor & field-service payouts](https://fynex.ai/property/field-service-payments/index.md): Pay your whole field-service and facilities network — cleaning, HVAC, maintenance, security and their suppliers — in one multi-party run, match every subcontractor invoice to the property, and see margin per job. The money layer for property operators.
- [Subcontractor payouts & retention](https://fynex.ai/construction/subcontractor-payouts/index.md): Pay subcontractors, equipment rental and suppliers in one multi-party run, hold and release retention by rule, and tie lien waivers to the payout that clears them — matched to the job. Contractor and subcontractor payment software for construction.
- [Carrier settlement & quick-pay](https://fynex.ai/logistics/carrier-settlement/index.md): Settle every carrier in one run with quick-pay and factoring built in, cover fuel and accessorials, and reconcile each payment to the load. Carrier settlement and freight billing for logistics platforms — pay carriers before the shipper pays.

## Blog
- [Fynex Blog](https://fynex.ai/blog/index.md): Notes on agentic finance, embedded payments and running the money chain.
- [Fintech with real support: why 'talk to a human' is a feature](https://fynex.ai/blog/fintech-with-real-support/index.md): When a platform holds your money, support quality is risk management. Why 'talk to a human' beats chatbots at the worst moment, and how to test it before you sign.
- [Paying your partner network across borders, without the corridor grind](https://fynex.ai/blog/partner-payouts-across-borders/index.md): Cross-border partner payouts for professional firms: referral fees and partner shares paid on schedule over local rails, reconciled and documented — not corridor by corridor.
- [Why your invoices never match your POs (and sane tolerance rules)](https://fynex.ai/blog/invoices-never-match-pos/index.md): Service POs, penny mismatches and part-billing: why 3-way matching breaks on services, and the tolerance rules that stop blocking honest invoices.
- [QuickBooks Desktop is going away — what to actually do](https://fynex.ai/blog/quickbooks-desktop-going-away/index.md): QuickBooks Desktop stop-sell, May-31 sunsets and 2026 price rises explained: what still works, what breaks, and the real options for trades and service firms.
- [The duplicate PO problem: catching five-figure mistakes automatically](https://fynex.ai/blog/duplicate-po-problem/index.md): Duplicate POs, double-paid invoices, an extra zero on an order — why manual purchasing leaks five figures, and the anomaly checks that catch it in seconds.
- [Instant means irrevocable: fraud controls for real-time payouts](https://fynex.ai/blog/instant-means-irrevocable/index.md): RTP, FedNow and push-to-card payouts can't be recalled. The fraud controls a marketplace needs before turning on instant: verify first, limit velocity, stage trust.
- [How much cash will I have in three weeks? A working forecast](https://fynex.ai/blog/how-much-cash-in-three-weeks/index.md): A cash flow forecast for project businesses: build it from confirmed invoices and scheduled payments, not hopes — and know your breach date before it arrives.
- [Raise and chase the monthly retainers — without the awkward emails](https://fynex.ai/blog/retainer-billing-on-autopilot/index.md): Retainer billing on autopilot: invoices that raise themselves on the 1st, collections that escalate politely, and reconciliation nobody does by hand.
- [Know your margin before the job ends: job costing that sticks](https://fynex.ai/blog/job-costing-without-enterprise-software/index.md): Job costing without enterprise software: tag every cost to its job at capture, include the payouts and fees QuickBooks misses, and read margin while you can act.
- [Holding client revenue in three currencies without losing on FX](https://fynex.ai/blog/multi-currency-accounts-software-companies/index.md): Multi-currency accounts for software companies: hold USD, EUR and GBP as they arrive, pay costs from matching balances, and convert deliberately — not per payment.
- [Hidden fees on vendor invoices: how to audit without spreadsheets](https://fynex.ai/blog/hidden-fees-vendor-invoices/index.md): Calibration fees, data charges, unit-price drift — how to audit vendor invoices for hidden fees without keeping a custom spreadsheet per vendor.
- [What is push-to-card — and what to call it in a contract](https://fynex.ai/blog/what-is-push-to-card/index.md): Push-to-card explained: how Visa Direct and Mastercard Send deliver payouts to a debit card in minutes, what it costs, and the contract language to use.
- [Invoice factoring is eating your profit — what to do instead](https://fynex.ai/blog/invoice-factoring-alternatives/index.md): Factoring fees compound into a permanent tax on margin. The alternatives: fix the payment schedule, automate collections, and finance gaps selectively.
- [Processor froze your funds mid-project: why large invoices trip it](https://fynex.ai/blog/processor-froze-funds-mid-project/index.md): Stripe or PayPal froze your funds mid-project? Why large invoices trip risk engines, what happens during the review, and how to build so it can't reach payroll.
- [How to stop chasing payments: the deposits and late-fee playbook](https://fynex.ai/blog/how-to-stop-chasing-payments/index.md): Always chasing payments? The trades playbook that ends it: deposits, stage payments tied to the job, payment on the spot, and late fees with teeth.
- [Anyone else spend Fridays matching payments to invoices?](https://fynex.ai/blog/reconcile-payments-to-xero/index.md): Reconciling client payments to Xero by hand — short refs, part-payments, bulk remittances. Why matching eats Fridays and how to make it stop for good.
- [What's your provider's fallback rail? Ask before buying instant](https://fynex.ai/blog/instant-payout-fallback-rail/index.md): Instant payouts fail routinely — bank not on RTP, limits, cut-offs. The fallback rail decides what your workers actually experience. Here's what to ask.
- [How do you pay your contractor bench across borders?](https://fynex.ai/blog/pay-your-contractor-bench/index.md): Paying international contractors as a dev shop: what monthly payouts really cost across FX and fees, and how to run the whole bench on one schedule.
- [Is it worth taking card payments for professional services?](https://fynex.ai/blog/card-payments-for-professional-services/index.md): Card payments for accountants, consultancies and law firms: when the 1.5–3% fee buys you weeks of cash flow, and when bank transfer or direct debit wins.
- [Receipt hell: an expense system for people who'd rather work](https://fynex.ai/blog/receipt-hell-expense-system/index.md): Drowning in receipts? A working small-business expense system is one habit and three rules: capture at the moment of purchase, auto-categorise, review monthly.
- [What a $45k invoice really costs to process](https://fynex.ai/blog/what-a-45k-invoice-costs-to-process/index.md): A 1% bank-payment fee turns a $45,000 invoice into a $450 charge. Why percentage pricing punishes invoice businesses, and what to demand instead.
- [Bank blocked your customer's payment? The builder's fix](https://fynex.ai/blog/bank-blocked-customer-payment/index.md): Banks decline £10k stage payments to trades as 'suspected fraud' — even in branch, with ID. Why it happens and how to stop it.
- [Net 30 but paid in 90: what to do when clients pay late](https://fynex.ai/blog/net-30-but-paid-in-90/index.md): Clients paying net-30 invoices in 90 days? The playbook: terms that prevent it, a chasing cadence that works, and UK/US late-payment rights you already have.
- [Stripe Connect payouts for home services: what works, what hurts](https://fynex.ai/blog/stripe-connect-payouts-home-services/index.md): Stripe Connect handles home services payouts well — until pro onboarding, payout timing and large-job holds start costing you. What to know before you build.
- [How to bill deposits and stage payments (when Stripe can't)](https://fynex.ai/blog/deposits-and-stage-payments/index.md): Deposit, milestones, final balance: how project businesses should bill, why checkout tools fight the pattern, and a schedule that protects cash.
- [Payment platforms for freelancers who can't afford a freeze](https://fynex.ai/blog/freelance-payment-platforms-freezes/index.md): Freelancer income looks like fraud to risk models: irregular, growing, cross-border. How to pick payment platforms — and structure — so a hold never hits rent.
- [Fynex for agencies: keep the margin on every project](https://fynex.ai/blog/fynex-for-agencies/index.md): What Fynex does for a digital, creative or media agency: live margin per project, multi-currency freelancer payouts and retainer billing on autopilot.
- [How nested accounts work: one real account, many balances](https://fynex.ai/blog/how-nested-accounts-work/index.md): Nested accounts explained: one safeguarded master account with sub-accounts on top — how the ledger works, who uses them, and the questions to ask.
- [Brex agentic finance: the honest pros and cons](https://fynex.ai/blog/brex-agentic-finance-pros-and-cons/index.md): Brex's AI agents auto-approve expenses, audit compliance and code your GL. What's real, what's marketing, and what agentic finance means for your business.
- [Bluevine vs Fynex: High-Yield US Checking vs Agentic Finance](https://fynex.ai/blog/fynex-vs-bluevine/index.md): Bluevine vs Fynex compared. Bluevine is US small-business checking with high APY and a credit line. Fynex is the agentic layer that runs your money chain.
- [Instant payouts: same-day ACH vs RTP vs FedNow vs push-to-card](https://fynex.ai/blog/instant-payouts-isnt-one-thing/index.md): "Instant payout" is a label on four very different US rails. The rail decides cost, cut-offs, weekends — and whether money can come back.
- [Loop vs Airwallex vs Fynex: which cross-border stack fits?](https://fynex.ai/blog/loop-vs-airwallex-vs-fynex/index.md): Loop vs Airwallex vs Fynex compared: Canadian multi-currency banking, global payments infrastructure, and the agentic layer that runs the money chain.
- [Where is your business losing money? A six-point checklist](https://fynex.ai/blog/where-is-your-business-losing-money/index.md): Businesses rarely lose money in one place — they leak it in six quiet ones. A checklist for losses your P&L will never show.
- [7 reasons fintechs freeze business accounts — and how to avoid each](https://fynex.ai/blog/7-reasons-fintechs-freeze-accounts/index.md): Frozen accounts almost never come out of nowhere. Here are the seven triggers that lock a fintech account, why each fires, and how to stay off the wire.
- [What to do if a fintech freezes your business funds](https://fynex.ai/blog/fintech-froze-my-funds-what-to-do/index.md): Frozen by your payment platform? A calm, step-by-step playbook to free your money fast — and how to set up so a hold can never take down payroll again.
- [Stripe vs Fynex: Agentic Finance vs the Payments API](https://fynex.ai/blog/fynex-vs-stripe/index.md): Stripe vs Fynex: Stripe is the payments API you build on; Fynex is the agentic finance layer that runs your whole money chain, unconflicted across rails.
- [The two-account rule: never keep all your money in one fintech](https://fynex.ai/blog/the-two-account-rule/index.md): The best protection against frozen funds is structural: split money across a fast fintech and a chartered bank. Here is how the two-account rule works.
- [Where your money actually sits: a simple guide to fintech safeguarding](https://fynex.ai/blog/where-your-money-sits/index.md): Is your fintech a bank? Is your money insured if it fails? A jargon-free explainer on safeguarding, partner banks, and who really holds your business cash.
- [Adyen vs Fynex: Enterprise Payments vs Agentic Finance](https://fynex.ai/blog/fynex-vs-adyen/index.md): Adyen vs Fynex compared: enterprise acquiring on Adyen's own rails versus an unconflicted, AI-native finance layer that runs your whole money chain.
- [Ramp vs Fynex: Spend Management vs Running the Whole Money Chain](https://fynex.ai/blog/fynex-vs-ramp/index.md): Ramp vs Fynex compared honestly. Ramp owns US spend management and corporate cards; Fynex runs the whole money chain — in and out, cross-border, agentic.
- [Brex vs Fynex: Corporate Cards vs Agentic Finance Ops](https://fynex.ai/blog/fynex-vs-brex/index.md): Brex vs Fynex compared: corporate cards and spend control versus an agentic finance layer that runs the whole money chain. A clear Brex alternative guide.
- [Mercury vs Fynex: Business Banking vs the Intelligence Layer on Your Money](https://fynex.ai/blog/fynex-vs-mercury/index.md): Mercury vs Fynex compared. Mercury is modern US business banking and cards. Fynex is the agentic finance layer that runs invoicing, payouts and reconciliation.
- [Wise vs Fynex: Multi-Currency Transfers vs Agentic Payouts](https://fynex.ai/blog/fynex-vs-wise/index.md): Wise vs Fynex compared. Wise moves currency cheaply on its own rail; Fynex is the agentic finance layer that runs your whole money chain across rails.
- [What we'll write about here](https://fynex.ai/blog/welcome-to-the-fynex-blog/index.md): Why Fynex is starting a blog, and the one thing every post will be about: the money chain, and keeping more of it in your business.
- [Airwallex vs Fynex: Global Payments Infrastructure vs Agentic Finance](https://fynex.ai/blog/fynex-vs-airwallex/index.md): Airwallex vs Fynex compared. Airwallex gives you global accounts, FX and payouts; Fynex is the agentic finance layer that reasons and runs your money chain.
- [Modern Treasury vs Fynex: Build Your Payment Ops, or Have Them Run for You](https://fynex.ai/blog/fynex-vs-modern-treasury/index.md): Modern Treasury vs Fynex compared: developer-built payment operations and ledgers versus an agentic finance layer that runs multi-rail money movement for you.
- [Rapyd vs Fynex: A Global Network vs Unconflicted Multi-Rail Finance](https://fynex.ai/blog/fynex-vs-rapyd/index.md): Rapyd vs Fynex: Rapyd is a global payments network for worldwide pay-in and payout; Fynex is the agentic finance layer that routes the cheapest compliant rail.
- [Tipalti vs Fynex: AP Automation vs Agentic Invoicing and Payouts](https://fynex.ai/blog/fynex-vs-tipalti/index.md): Tipalti vs Fynex: Tipalti automates accounts payable and global payouts; Fynex runs the whole money chain — invoicing, payouts, cash — agentic and unconflicted.

## Knowledge Base
- [Fynex Knowledge Base](https://fynex.ai/docs/index.md): Answers for using Fynex — verification, taking payments, splits, payouts, and troubleshooting.

### Getting started
- [How do I create a Fynex account?](https://fynex.ai/docs/getting-started/how-do-i-create-a-fynex-account/index.md): Sign up with your email or Google, verify your email, tell us about your business, then verify it to go live.
- [How long does business verification take?](https://fynex.ai/docs/getting-started/how-long-does-business-verification-take/index.md): The submission takes a few minutes. Review usually takes 1–2 business days, and we notify you when it's done.
- [I'm not receiving my verification code — what do I do?](https://fynex.ai/docs/getting-started/im-not-receiving-my-verification-code/index.md): Check your spam folder and that you used the right email, wait a moment, then request a new code. Codes expire and are single-use.
- [What documents do I need to verify my business?](https://fynex.ai/docs/getting-started/what-documents-do-i-need-to-verify-my-business/index.md): You provide company registration details, upload business documents, and verify the people who own or control the business. The exact list depends on your business type and country.
- [Why was my verification rejected — and what can I do?](https://fynex.ai/docs/getting-started/why-was-my-verification-rejected/index.md): Most rejections can be fixed and resubmitted — a Try again button appears when you can retry. Fix the flagged issue (usually a document photo or a detail mismatch) and submit again.
- [How do I switch from test to live?](https://fynex.ai/docs/getting-started/how-do-i-switch-from-test-to-live/index.md): Live payments switch on once your business verification is approved. If you've been approved but still can't take a live payment, it's usually a setup step — here's what to check.
- [How do I test payments before going live?](https://fynex.ai/docs/getting-started/how-do-i-test-payments-before-going-live/index.md): Use test mode to run a full payment with test card details — including split payments and refunds — and see exactly what your customer sees, without moving real money.
- [What can I do while verification is pending?](https://fynex.ai/docs/getting-started/what-can-i-do-while-verification-is-pending/index.md): Plenty. In test mode you can build payment links, set up split rules, and run test payments — so you're fully set up the moment you're approved. Only live payments wait for verification.

### Accepting payments
- [How do I add a payment link to my website or send it as a QR code?](https://fynex.ai/docs/accepting-payments/how-do-i-add-a-payment-link-to-my-website-or-send-it-as-a-qr-code/index.md): Every payment link comes with an embed snippet and a QR code. Paste the snippet into your site, or share the QR code to take payment in person or in print.
- [How do I create and send a payment link?](https://fynex.ai/docs/accepting-payments/how-do-i-create-and-send-a-payment-link/index.md): Create a payment link in the dashboard, set the amount and currency, and share it by email or as a link. Your customer pays on a hosted page — no code required.
- [Which payment methods and currencies can my customers use?](https://fynex.ai/docs/accepting-payments/which-payment-methods-and-currencies-can-my-customers-use/index.md): Cards with 3-D Secure, Apple Pay and Google Pay, plus popular local methods across Europe. Charge in GBP, USD, EUR and other European currencies depending on your account.
- [Why did my customer's payment fail?](https://fynex.ai/docs/accepting-payments/why-did-my-customers-payment-fail/index.md): Most failed payments are the customer's bank declining the card, a 3-D Secure check that wasn't completed, or an expired checkout. Here's what each means and what to try.
- [How do free trials work?](https://fynex.ai/docs/accepting-payments/how-do-free-trials-work/index.md): Add a free trial of up to 90 days to a subscription. The customer saves a card upfront, gets a reminder before it ends, and is charged when the trial finishes — or the subscription auto-cancels.
- [How do I charge a returning customer without re-entering card details?](https://fynex.ai/docs/accepting-payments/how-do-i-charge-a-returning-customer-without-re-entering-card-details/index.md): When a customer saves their card, you can charge it again later without them re-entering anything — for repeat orders or subscriptions. Saved-card charging needs the right processing setup, which support enables.
- [How do I customize the checkout page?](https://fynex.ai/docs/accepting-payments/how-do-i-customize-the-checkout-page/index.md): Build a checkout design in the dashboard, then activate it so your payment pages carry your branding. You can create several designs, clone one to start a new version, and switch the active one.
- [How do I refund a payment — fully or partially?](https://fynex.ai/docs/accepting-payments/how-do-i-refund-a-payment-fully-or-partially/index.md): Open the payment and issue a full or partial refund. Refunds go back to the original card in the original currency, and can take a short while because they process after the payment settles.
- [How do promo codes work — and why was one declined?](https://fynex.ai/docs/accepting-payments/how-do-promo-codes-work-and-why-was-one-declined/index.md): Create promo codes to discount a payment or subscription. A code is declined when it's expired, out of uses, below the minimum order, wrong currency, first-time-only, or already used by that customer.
- [How do subscriptions and recurring billing work?](https://fynex.ai/docs/accepting-payments/how-do-subscriptions-and-recurring-billing-work/index.md): Set up a subscription to charge a customer automatically — monthly, or as annual instalments over 12 months. Failed charges are retried, and each charge is recorded against the customer.
- [What's the maximum amount for a single payment?](https://fynex.ai/docs/accepting-payments/whats-the-maximum-amount-for-a-single-payment/index.md): A single payment can be up to 50,000 in its currency. For larger totals, split the amount across payments or take a deposit plus a balance.
- [What is a virtual IBAN and how do customers pay by bank transfer?](https://fynex.ai/docs/accepting-payments/what-is-a-virtual-iban-and-how-do-customers-pay-by-bank-transfer/index.md): A virtual IBAN is a dedicated bank account number you can give a customer so they pay you by transfer, with no card. Fynex matches the incoming transfer to you automatically.
- [Why is a payment marked "compliance review"?](https://fynex.ai/docs/accepting-payments/why-is-a-payment-marked-compliance-review/index.md): A routine automated check paused the payment before it completed. Most clear on their own. There's nothing to change on your side; contact support if one stays in review.

### Split payments
- [How do I add a payee — and what verification do they need?](https://fynex.ai/docs/split-payments/how-do-i-add-a-payee-and-what-verification-do-they-need/index.md): Add a payee in the Payees section and give them a role. Each payee is verified individually before their first payout — the same kind of check your own business went through.
- [How do split payments work?](https://fynex.ai/docs/split-payments/how-do-split-payments-work/index.md): One incoming payment is divided automatically between the parties you choose — seller, platform, and Fynex — using a rule you set once. Splits can be percentages, fixed amounts, or a mix.
- [How do I create a split rule?](https://fynex.ai/docs/split-payments/how-do-i-create-a-split-rule/index.md): Create a split rule in the Split rules section, choose the payees and how much each gets, and activate it. You can preview a split before it goes live, schedule it, and clone an existing rule.
- [What are wallets and how does money move between them?](https://fynex.ai/docs/split-payments/what-are-wallets-and-how-does-money-move-between-them/index.md): A wallet is a balance inside Fynex, held per currency. Payments and splits move money into wallets; payouts move it out to a real bank account. Every movement is recorded, so balances always reconcile.
- [What happens when a split doesn't add up?](https://fynex.ai/docs/split-payments/what-happens-when-a-split-doesnt-add-up/index.md): You decide in advance. If the shares would total more than the payment, Fynex can cap by priority, scale everyone down, or fail the split. Any leftover goes to your main or a remainder wallet.
- [How do I preview a split before going live?](https://fynex.ai/docs/split-payments/how-do-i-preview-a-split-before-going-live/index.md): Use the preview on a split rule to see exactly how a sample payment would divide, and run a test payment in test mode to watch a real split happen — before any real money is involved.
- [How do my sellers withdraw their money?](https://fynex.ai/docs/split-payments/how-do-my-sellers-withdraw-their-money/index.md): Each payee has their own wallet that fills from splits. Once they've added and verified a bank account, their balance can be paid out to it — on your schedule or on request.

### Payouts
- [How do I add a bank account for payouts?](https://fynex.ai/docs/payouts/how-do-i-add-a-bank-account-for-payouts/index.md): Add a payout account with its IBAN in the dashboard. Every new bank destination is reviewed once before its first use, as a security check against fraud.
- [Why did my payout fail?](https://fynex.ai/docs/payouts/why-did-my-payout-fail/index.md): A failed payout means the money didn't leave and is back in your balance. The usual causes are the bank rejecting it, a funding issue, or not enough available balance. Here's each one.
- [Why is my new payout account "pending approval"?](https://fynex.ai/docs/payouts/why-is-my-new-payout-account-pending-approval/index.md): Every new payout bank account is reviewed once before its first use, to make sure money only goes to accounts you genuinely added. It's a one-time check per account.
- [Why is my payout pending or on hold?](https://fynex.ai/docs/payouts/why-is-my-payout-pending-or-on-hold/index.md): A payout can be waiting for three different reasons — approval by a teammate, a compliance review, or normal bank processing. Here's how to tell which one, and what to do.
- [When will the money reach my bank account?](https://fynex.ai/docs/payouts/when-will-the-money-reach-my-bank-account/index.md): Once a payout is approved and sent, it moves to processing and then completes when the bank has the money. Timing depends on the rail and the receiving bank, so we don't quote a fixed arrival time.
- [Which currencies can I pay out in?](https://fynex.ai/docs/payouts/which-currencies-can-i-pay-out-in/index.md): Fynex pays out in EUR, GBP, and USD. EUR goes over SEPA; GBP and USD go cross-border. Every payout account needs an IBAN. You can still collect payments in more currencies than you can pay out in.
- [Why do I need 2FA or a passkey to approve a payout?](https://fynex.ai/docs/payouts/why-do-i-need-2fa-or-a-passkey-to-approve-a-payout/index.md): Approving a payout releases real money, so it needs a second factor — a 2FA code or a passkey. The approval is tied to that exact amount and destination, so it can't be altered afterward.
- [What is a settlement statement and how do I read it?](https://fynex.ai/docs/payouts/what-is-a-settlement-statement-and-how-do-i-read-it/index.md): A settlement statement summarises the payments settled over a period — gross taken, fees deducted, and net paid to you — per currency, with every payment listed. You can download it as a CSV.

### Troubleshooting
- [I got a chargeback — what happens now?](https://fynex.ai/docs/troubleshooting/i-got-a-chargeback-what-happens-now/index.md): A chargeback is a customer's bank reversing a card payment and asking you to justify it. You have a deadline to respond with evidence — miss it and the case is lost by default.
- [Why are my funds on hold?](https://fynex.ai/docs/troubleshooting/why-are-my-funds-on-hold/index.md): A hold is always tied to a specific, reviewable reason — a payment risk check, a compliance review, or a new bank account being verified. It's not an arbitrary freeze, and you can always find out where it stands.
- [A payment says "failed" — what do the error codes mean?](https://fynex.ai/docs/troubleshooting/a-payment-says-failed-what-do-the-error-codes-mean/index.md): A failed payment is grouped by where it failed — validation, risk, compliance, the customer's bank, or capture. Here's what each group means and who can fix it.
- [How do I respond to a dispute and what evidence helps?](https://fynex.ai/docs/troubleshooting/how-do-i-respond-to-a-dispute-and-what-evidence-helps/index.md): Open the dispute, read the reason the bank gave, and respond before the deadline with evidence the charge was valid — proof the customer authorised it and received what they paid for.
- [Why was my payment declined by 3-D Secure?](https://fynex.ai/docs/troubleshooting/why-was-my-payment-declined-by-3d-secure/index.md): 3-D Secure is the customer's bank asking them to confirm the payment — a code, a banking-app tap, or a fingerprint. If it's not completed, the payment is declined. The fix is to retry and finish the check.
- [Why does my refund show "pending"?](https://fynex.ai/docs/troubleshooting/why-does-my-refund-show-pending/index.md): A refund is pending while it processes. Refunds are handled after the original payment settles, so a refund issued soon after payment waits briefly. After it succeeds, the bank still takes a few days to show it.

### Account & team
- [How do I contact Fynex support?](https://fynex.ai/docs/account-and-team/how-do-i-contact-fynex-support/index.md): Open a support ticket from the Support section of your dashboard. Pick a category, describe the issue, attach screenshots if they help, and track replies in the same place.
- [How do I invite team members and set their permissions?](https://fynex.ai/docs/account-and-team/how-do-i-invite-team-members-and-set-their-permissions/index.md): Invite teammates from the Users section and give each one permissions for what they can see and do. Permissions are granular — for example, someone can view payouts without being able to create them.
- [How do I join my company's existing Fynex organization?](https://fynex.ai/docs/account-and-team/how-do-i-join-my-companys-existing-fynex-organization/index.md): Sign up with your work email. If it clearly matches an existing organization, you're added automatically; if it's a partial match, an admin approves your request.
- [How do I set up two-factor authentication or a passkey?](https://fynex.ai/docs/account-and-team/how-do-i-set-up-two-factor-authentication-or-a-passkey/index.md): Add a second factor in your profile settings — an authenticator app (TOTP) or a passkey. It protects sign-in and is required to approve payouts, since approving one releases real money.
- [Why can't I see certain pages in my dashboard?](https://fynex.ai/docs/account-and-team/why-cant-i-see-certain-pages-in-my-dashboard/index.md): The dashboard only shows the sections your permissions cover. If a page is missing, an admin on your account needs to grant you the matching permission.
- [How do agreements and e-signing work?](https://fynex.ai/docs/account-and-team/how-do-agreements-and-e-signing-work/index.md): Agreements are documents you sign electronically inside Fynex. You'll find them under Agreements, sign in a few clicks, and track each one's status from sent to completed.
- [How do I change my organization's details?](https://fynex.ai/docs/account-and-team/how-do-i-change-my-organizations-details/index.md): Edit your organization's details in Organization settings. Some changes — like your legal name, registration, or ownership — may trigger a re-check to keep your verification current.
- [Where is my money held and how is it protected?](https://fynex.ai/docs/account-and-team/where-is-my-money-held-and-how-is-it-protected/index.md): Fynex is an FCA-authorised e-money institution. Your funds are safeguarded — held separately from Fynex's own money in dedicated accounts — so they're protected and can't be used to run the business.

### Developers
- [How do I verify Fynex webhook signatures?](https://fynex.ai/docs/developers/how-do-i-verify-fynex-webhook-signatures/index.md): Every webhook is signed. Recompute an HMAC-SHA256 of the timestamp and raw body with your signing secret, compare it to the X-Fynex-Signature header, and reject anything older than 5 minutes.
- [Which webhook events does Fynex send?](https://fynex.ai/docs/developers/which-webhook-events-does-fynex-send/index.md): Fynex sends events for payments, payment links, subscriptions, promo codes, and business verification. Each has the same envelope, is signed, and retries up to 3 times to allowlisted URLs.
- [How do idempotency keys work?](https://fynex.ai/docs/developers/how-do-idempotency-keys-work/index.md): Send a unique idempotency key with a request so a retry can't create a duplicate. Reusing a key returns the original result instead of acting twice — essential for payouts.
- [Payment statuses reference](https://fynex.ai/docs/developers/payment-statuses-reference/index.md): The statuses a payment moves through, from created to settled, plus the refund and failure states — with what each one means for your integration.
- [Payout statuses and failure codes reference](https://fynex.ai/docs/developers/payout-statuses-and-failure-codes-reference/index.md): The statuses a payout moves through, the approval state, and the failure codes you may receive — each with a customer-safe meaning.
- [How do I test subscriptions with the test clock?](https://fynex.ai/docs/developers/how-do-i-test-subscriptions-with-the-test-clock/index.md): A test clock lets you fast-forward time in test mode so you can see a subscription's renewals, trial ending, and dunning without waiting real days.
- [Payment Links API quickstart](https://fynex.ai/docs/developers/payment-links-api-quickstart/index.md): Create a payment link over the REST API, share the hosted URL, and receive a webhook when it's paid. Authenticate with your seller account token.

### Integrations
- [How do I accept payments on my Wix site?](https://fynex.ai/docs/integrations/how-do-i-accept-payments-on-my-wix-site/index.md): Connect Fynex to your Wix site to take payments through your Fynex account. Test it in sandbox first, then switch to live once you're verified and happy with the flow.
- [How do I connect my bank accounts?](https://fynex.ai/docs/integrations/how-do-i-connect-my-bank-accounts/index.md): Link your external bank accounts so Fynex can read their balances and transactions into your dashboard. Connecting is read-only — it lets Fynex see the accounts, not move money from them.
- [How does Fynex use my Monday.com data?](https://fynex.ai/docs/integrations/how-does-fynex-use-my-monday-com-data/index.md): Connect Monday.com and Fynex reads your boards to tie financial insights to your projects and jobs — so you can see money in the context of the work. It's read-only and sits alongside Monday, not replacing it.
- [How does the QuickBooks connection work — and what syncs?](https://fynex.ai/docs/integrations/how-does-the-quickbooks-connection-work-and-what-syncs/index.md): Connect QuickBooks and Fynex reads in your customers, suppliers, invoices, payments, and bills to power your dashboard. It's a one-way read — Fynex doesn't write changes back into QuickBooks.

## Legal
- [Privacy Policy](https://fynex.ai/legal/privacy-policy/index.md): How Fynex collects, uses, and protects your personal data when you use our website and services.
- [Terms and Conditions](https://fynex.ai/legal/terms/index.md): The terms that govern your use of the Fynex website and services.
- [Cookie Policy](https://fynex.ai/legal/cookie-policy/index.md): What cookies Fynex uses, why, and how you can control them — including analytics and scheduling tools.

## United Kingdom (en-GB)
- [Fynex — home (UK)](https://fynex.ai/uk/index.md): Fynex puts AI agents on your money — they accept payments, split revenue, route every payout to the cheapest rail, and reconcile your books in real time. One AI-native finance platform, not a dozen tools.
- [About Fynex — The intelligence layer for finance, run by AI agents (UK)](https://fynex.ai/uk/about/index.md): Other tools execute and stop. Fynex reasons across your whole money chain and runs on AI agents that act on the call, with your approval on every move. This is the intelligence layer for finance.
- [Payments & Payouts for Physical Businesses | Fynex (UK)](https://fynex.ai/uk/physical-businesses/index.md): The money layer for physical businesses — property, construction and logistics. Collect payments, split them across owners and partners, pay your whole contractor network, and reconcile every payment to the job. Without becoming a payments company.
- [Invoicing & Collections (UK)](https://fynex.ai/uk/features/invoicing/index.md): Fynex raises and sends your invoices automatically, reads every one with AI to catch errors, and gets you paid on a branded link in seconds. Recurring billing, multi-currency, VAT and reconciliation — handled.
- [Payouts (UK)](https://fynex.ai/uk/features/payouts/index.md): Pay sellers, contractors, crews and partners in any currency. Multi-party payouts routed to the lowest-cost rail — SEPA, SWIFT, local — on schedule or by rule.
- [Working Capital (UK)](https://fynex.ai/uk/features/working-capital/index.md): Fynex tells you which bills to pay early to capture supplier discounts, which to safely delay, and shows the annualised return — always aware of your cash floor.
- [Cash (UK)](https://fynex.ai/uk/features/cash/index.md): See your true cash position across every bank account, PSP and money in flight. A forward forecast from confirmed inflows and scheduled outflows, with cash-floor warnings.
- [Reconciliation (UK)](https://fynex.ai/uk/features/reconciliation/index.md): Every payment and payout posts back to Xero or QuickBooks as a journal entry, scored for confidence. PSP deposits broken out, exceptions flagged.
- [Insights (UK)](https://fynex.ai/uk/features/insights/index.md): Every other tool shows what you spent. Fynex proves what you saved: hours, FX, discounts and margin, auto-reported and tracked year to date.
- [Marketplaces & Platforms (UK)](https://fynex.ai/uk/marketplaces/index.md): Split every payment, onboard sellers with built-in KYC, and let Fynex carry the chargeback and tax risk as Merchant of Record. Launch without becoming a payments company.
- [Property Platforms (UK)](https://fynex.ai/uk/property/index.md): The money layer for commercial property management platforms. Collect rent, split fees to owners, pay the contractor and vendor network in one run, and reconcile every invoice to every property — without becoming a payments company.
- [Construction (UK)](https://fynex.ai/uk/construction/index.md): The money layer for construction platforms and contractors. Collect progress billings, pay subcontractors and suppliers with retention and lien waivers handled, reconcile to the job, and see true margin per project — without becoming a payments company.
- [Logistics & Freight (UK)](https://fynex.ai/uk/logistics/index.md): The money layer for freight and logistics platforms. Collect from shippers, settle carriers in one run with quick-pay or factoring built in, handle fuel and accessorials, and reconcile every payment to the load — without becoming a payments company.
- [Healthcare staffing (UK)](https://fynex.ai/uk/healthcare/index.md): The money layer for healthcare staffing platforms. Bill clinics and facilities, pay nurses, doctors and per-diem or locum clinicians on time, settle medical suppliers, and reconcile every payment to the placement — without becoming a payments company.
- [Distribution & wholesale (UK)](https://fynex.ai/uk/distribution/index.md): The money layer for distributors and wholesalers. Pay the supplier network in one multi-party run, match invoices to purchase orders, and reconcile per order in any currency — without becoming a payments company or a generic spend tool.
- [Software Companies (UK)](https://fynex.ai/uk/studios/index.md): Multi-currency accounts, auto-invoicing with reminders, scheduled contractor payouts, and live runway. Run your finance back office without anyone touching it.
- [Home Services (UK)](https://fynex.ai/uk/home-services/index.md): See real profit by job, channel, and crew, then pay your crew, PM, and salesperson automatically. One connected money view, without stitching a dozen tools.
- [Digital Agencies (UK)](https://fynex.ai/uk/agencies/index.md): Live margin per project, automated multi-currency freelancer payouts, and retainer billing on autopilot. Keep the margin you bill for, without the spreadsheet work.
- [Professional & Accounting (UK)](https://fynex.ai/uk/professional/index.md): No-code payment links, books that reconcile themselves, automated renewals, and partner payouts. Live once compliance is switched on. No developers.
- [Split payments (UK)](https://fynex.ai/uk/marketplaces/split-payments/index.md): Divide one customer payment across sellers, your platform fee and partners at the moment of sale. Rule-based split payments for marketplaces, in any currency or corridor — without becoming a payments company.
- [Escrow & held funds (UK)](https://fynex.ai/uk/marketplaces/escrow/index.md): Hold a buyer's payment in escrow until the order or job is delivered and approved, then release it to the seller — with no 90-day cap. Escrow-style held funds for marketplaces and platforms, on an FCA-authorised EMI licence.
- [Delayed capture (UK)](https://fynex.ai/uk/marketplaces/delayed-capture/index.md): Authorize a card at checkout and capture the payment later — when the order ships, the job is done, or the final amount is known. Delayed capture and authorization holds for marketplaces, without the short card-auth expiry.
- [Platform commission (UK)](https://fynex.ai/uk/marketplaces/platform-commission/index.md): Collect your marketplace commission automatically at the moment of sale. Set your take rate once — a percentage, a flat fee or a tiered rule — and Fynex keeps your cut and routes the rest, with every fee traceable.
- [Seller onboarding & KYC (UK)](https://fynex.ai/uk/marketplaces/seller-onboarding/index.md): Onboard and verify sellers with KYC and KYB built into your own signup flow — no third-party redirect, no silent rejections. Compliant marketplace seller onboarding that keeps conversion and cuts fraud.
- [Payout scheduling (UK)](https://fynex.ai/uk/marketplaces/payout-scheduling/index.md): Pay sellers on a schedule, instantly, or by rule — mass multi-currency payouts across every rail, from SEPA and ACH to local methods. Automated marketplace payout scheduling, without the single-rail, US-first limits.
- [Marketplace wallets (UK)](https://fynex.ai/uk/marketplaces/marketplace-wallets/index.md): Give every seller a wallet — a stored balance they can hold, receive splits into, and withdraw on demand — in multiple currencies on one ledger. Marketplace wallets and stored value, on an FCA-authorised EMI licence.
- [Balance management (UK)](https://fynex.ai/uk/marketplaces/balance-management/index.md): Track every seller balance, split, reserve and payout on one ledger, reconciled to the transaction. Marketplace balance management and a payment ledger that keeps your books straight as money moves.
- [Contractor & field-service payouts (UK)](https://fynex.ai/uk/property/field-service-payments/index.md): Pay your whole field-service and facilities network — cleaning, HVAC, maintenance, security and their suppliers — in one multi-party run, match every subcontractor invoice to the property, and see margin per job. The money layer for property operators.
- [Subcontractor payouts & retention (UK)](https://fynex.ai/uk/construction/subcontractor-payouts/index.md): Pay subcontractors, equipment rental and suppliers in one multi-party run, hold and release retention by rule, and tie lien waivers to the payout that clears them — matched to the job. Contractor and subcontractor payment software for construction.
- [Carrier settlement & quick-pay (UK)](https://fynex.ai/uk/logistics/carrier-settlement/index.md): Settle every carrier in one run with quick-pay and factoring built in, cover fuel and accessorials, and reconcile each payment to the load. Carrier settlement and freight billing for logistics platforms — pay carriers before the shipper pays.
- [Privacy Policy (UK)](https://fynex.ai/uk/legal/privacy-policy/index.md): How Fynex collects, uses, and protects your personal data when you use our website and services.
- [Terms and Conditions (UK)](https://fynex.ai/uk/legal/terms/index.md): The terms that govern your use of the Fynex website and services.
- [Cookie Policy (UK)](https://fynex.ai/uk/legal/cookie-policy/index.md): What cookies Fynex uses, why, and how you can control them — including analytics and scheduling tools.