Authorize now, capture later
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.
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.
How delayed capture runs on Fynex
Separate the promise to pay from the moment you take the money.
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.
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.
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.
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 →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 →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.