Every balance, on one ledger
Track what each seller holds, what's split, what's reserved and what's paid out — on a single ledger that reconciles to every transaction. The books stay straight no matter how the money moves.
When money splits, holds and pays out, the ledger fragments
Splits in one tool, payouts in another, holds and reserves in a spreadsheet — and reconciliation becomes a month-end archaeology dig. As volume grows, no single view tells you what each seller actually holds, or ties every movement back to the order that caused it.
How balance management runs on Fynex
One source of truth for every unit of money on your platform.
One ledger for every movement
Splits, holds, reserves, payouts and refunds all post to one ledger, so what each seller holds is always a single, current number — not a reconciliation guess.
Reconciled to the transaction
Every movement traces back to the order that caused it, so settlement matches your books to the penny and month-end stops being an archaeology dig.
Reserves and holds, tracked
Money held against refunds or in escrow is tracked as its own state, so you always know what's available versus what's committed.
The same job, with the leaks closed
Point tools solve part of it. Fynex runs the whole thing on one platform.
Questions, answered
The rest of the marketplace money layer
Every building block below runs on the same platform. Start with one, or run the whole stack.
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 →The reconciliation engine that keeps every movement tied to your books.
Explore →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.