Place a hold on the card at checkout and capture the payment when you're ready — when the order ships, the service completes, or the final amount is confirmed. Full or partial capture, on your timing.
Free to start. No contract. We'll show you what your finance stack is costing you.
The problem
The card says yes today, but you shouldn't charge until you deliver
Deposits, pre-orders, and as-incurred billing all need the same thing: confirm the card now, take the money later. But a raw card authorization expires in about a week, so builders end up re-authorizing, saving cards and hoping the charge lands, or just charging early and refunding the difference.
Payment · authorized
Authorizedhold placed
$500
Order shipped
Day 9
Captured
$480
Releasedunused hold
$20
What Fynex runs
How delayed capture runs on Fynex
Separate the promise to pay from the moment you take the money.
01
Authorize at checkout
Place a hold when the buyer checks out, so you know the card is good and the funds are reserved — before you've shipped or delivered a thing.
02
Capture when you're ready
Capture the full amount, a partial amount, or capture more than once as the order fulfils — on your schedule, not the card network's expiry clock.
03
Release what you don't take
Capture only what's owed and release the rest of the hold, so the buyer is never charged for more than they got.
How we compare
The same job, with the leaks closed
Point tools solve part of it. Fynex runs the whole thing on one platform.
The problem
Other platforms
Recommended
!Confirm the card before you deliver
✕Other platformsAuth expires in ~7 days; re-auth or lose it.
✓FynexHold, then capture on your timing.
!Charge the final amount
✕Other platformsCharge early and refund the difference.
✓FynexFull or partial capture when the amount is known.
!Bill as costs are incurred
✕Other platformsSave the card and hope the later charge lands.
✓FynexCapture multiple times against one authorization.
!Handle deposits and pre-orders
✕Other platformsTake the deposit as a real charge, then reconcile.
✓FynexAuthorize the deposit, capture on fulfilment.
FAQ
Questions, answered
Delayed capture is a two-step card payment: you authorize the card at checkout (placing a hold that confirms the funds), then capture the money later — when the order ships, the service is delivered, or the final amount is known. It's the standard pattern for deposits, pre-orders and as-incurred billing.
Authorizing places a hold on the buyer's card and confirms the funds are available, but moves no money. Capturing actually takes the payment. Fynex lets you separate the two, so you can authorize now and capture later — in full, in part, or across several captures against one authorization.
A raw card authorization typically expires in around a week, which is why builders hit walls holding longer. Fynex handles the hold so you can capture on your own timing rather than racing the card network's expiry — and for delivery- or milestone-based flows you can hold the funds themselves as escrow instead.
Yes. Capture the full amount, a partial amount, or capture more than once as an order fulfils, and release any part of the hold you don't use — so the buyer is never charged for more than they actually received.
Authorise on the payment, then capture the amount you actually need — in full, in part, or not at all. The captures and refunds section of the API reference covers the calls, the timing limits per method, and what happens to the remainder.
Keep building
The rest of the marketplace money layer
Every building block below runs on the same platform. Start with one, or run the whole stack.
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.
Licence
E-money institution
FCA
Client funds
Safeguarded
PCI DSS Level 1
The highest card-data security standard, on by default.
Card data
PCI DSS
Level 1
Encryption
On by default
Audit logs
Every movement traceable and ready for review.
Activity
Payout · $23,84714:02:11
Logged
Split · ORD-2024-00114:02:09
Logged
Built-in KYC / KYB
The switch that turns the business on.
Verification
KYB · Northwind Labs Inc
Approved
KYC · J. Whitfield
Approved
We do Fridays so you don't have to.Payouts at midnight. You, asleep.Invoices that chase themselves. Ruthlessly.We carry the chargebacks. You carry on.We do Fridays so you don't have to.Payouts at midnight. You, asleep.Invoices that chase themselves. Ruthlessly.We carry the chargebacks. You carry on.We do Fridays so you don't have to.Payouts at midnight. You, asleep.Invoices that chase themselves. Ruthlessly.We carry the chargebacks. You carry on.
Confirm the card now. Take the money when you deliver
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