The complete money layer for marketplaces
The money operations under your marketplace, run for you instead of built by your engineers. Set fee and commission logic per seller, onboard sellers with built-in KYC, and let Fynex carry the chargeback and tax risk as Merchant of Record — then change how the money splits from the dashboard, without a release.
You shouldn't have to become a payments company to launch
Most platform payment products are built around one commission model, so anything your marketplace does differently — a different rate per seller, a tiered take rate, a partner cut on top — ends up as fee logic your engineers write and maintain. Then KYC bounces sellers out of your signup, chargebacks and cross-border tax land on you, and the local method your market actually uses, like BLIK, isn't there.
Every workaround adds a vendor: one for KYC, one for payouts, one for tax. Each new market doubles the stitching — and the fee logic hardens into code, so changing your commercial model later means a release rather than a setting.
Every building block of the marketplace money layer
Split payments, escrow, onboarding, payouts and more — each with its own guide.
Divide one payment across sellers, your fee and partners — by rule, in real time.
Explore →Hold a buyer's payment until the work is delivered, then release it to the seller.
Explore →Authorize a card at checkout and capture the payment later, when you're ready.
Explore →Take your cut automatically at settlement — set your take rate once and keep it.
Explore →Verify sellers with built-in KYC and KYB, inside your own signup — without the drop-off.
Explore →Pay sellers on schedule or by rule — mass, instant or timed, in any currency and rail.
Explore →Give each seller a stored balance to hold, top up and withdraw — per currency, one ledger.
Explore →One ledger for every balance, split, hold and payout — reconciled to the transaction.
Explore →The money operations under a marketplace
Splits, seller onboarding, risk and payouts — the four jobs your engineers would otherwise build and maintain.
Split every payment by rule — your rules, per seller
Your cut and each seller's cut, worked out and routed at the moment of sale. Different rates for different sellers, tiers by volume, a partner cut on top — set as rules rather than written into your codebase, so changing them later is a setting, not a release.
Onboard sellers with built-in KYC and KYB
Verify every seller inside your own flow, without breaking the signup.
We carry the risk as Merchant of Record
Chargebacks and cross-border tax sit with us, so they don't sit with you.
Pay sellers anywhere
Multi-currency wallets and payouts across every rail, including local methods like SEPA and BLIK.
Build it on a PSP, or run it on Fynex
What each job costs you to own on Stripe Connect or Adyen, and what it is on Fynex.
See where the money goes
One customer pays once. Fynex splits it between the seller, your platform and you, in real time.
What else comes with it
Beyond the headline jobs, every account gets the whole platform behind it.
Fee logic you can edit
Rates per seller, tiers and partner cuts, changed from the dashboard rather than shipped in a release.
Virtual pay-in IBANs
Give customers a dedicated IBAN to pay in without a card.
Multi-currency wallets
Hold and move a balance per currency, in one ledger.
No-code payment links
Send a link or embed checkout in minutes.
Captures & refunds
Manual or partial capture, full or partial refunds — including refunding one party's share of a split.
Webhooks & API
Embed Fynex with signed webhooks and one API.
Connects to the tools your money moves through
Your bank, your accounting system and the tools you run the work in. Fynex reads them, does the finance work between them, and writes the result back.
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.
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.
PCI DSS Level 1
The highest card-data security standard, on by default.
Audit logs
Every movement traceable and ready for review.
Built-in KYC / KYB
The switch that turns the business on.