Run the marketplace. Not a payments company
Take one payment, pay every seller their share, hold funds until the order's done.
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 money job a marketplace has to run
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 four jobs your engineers would otherwise build
Splits, seller onboarding, risk and payouts — each one something you switch on, not a sprint you schedule.
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 split 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.
The chargeback and tax risk isn't yours
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 ACH and BLIK.
Build it into your platform,
not around it
Building splits and payouts on a PSP is a quarter of engineering you never get back, and you own the maintenance forever afterwards.
Divide a payment before it lands
Each party's share is a line in a versioned rule — the seller, your fee, a partner cut — resolved at settlement.
GET /payments-api/v1/payments
/ORDER-100106/split-decisions
→ { "decisions": [{ "id": "decision-1", "paymentId": "ORDER-100106", "ruleId": 7, "ruleVersion": 3, "inputs": { "ruleId": 7, "ruleVersion": 3, "allocationMode": "absolute", "amountBase": "net_settled", "grossAmountMinor": 10000, "lines": [{ "payeeId": 101, "priority": 1, "isEnabled": true }] }, "rulesApplied": [], "rulesSkipped": [], "outcome": { "shares": [{ "payeeId": 101, "rawShareMinor": 8000, "shareAmountMinor": 8000, "feeAmountMinor": 0, "netAmountMinor": 8000 }], "totalFeeMinor": 0, "grossAmountMinor": 10000, "remainderMinor": 2000, "overAllocated": false }, "evaluatedAt": "2026-09-02T12:34:56Z" }] }Give every seller a balance
One balance per seller per currency, with available, held and pending kept apart on the same ledger.
POST /payments-api/v1/wallets
{ "payeeId": 101, "currency": "EUR" }Refund a share, not the whole order
A partial refund reverses against the payment it came from, so nobody is left with a balance to chase.
POST /payments-api/v1/payments
/ORDER-100106/refund
{ "amount": 25.00 }Pay every seller on the right rail
SEPA, Faster Payments or cross-border, chosen from the payout currency and the account the payee registered.
POST /payments-api/v1/payouts
{ "walletId": 15,
"payoutMethodId": 501,
"currencyCode": "GBP",
"amount": "420.00" }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.
The rest of the job, also handled
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.
Your bank, your books and the tools you run the work in, kept in agreement
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, ACH, 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.
Your money, held under a licence, not a promise
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.