Hold the buyer's money until the work is done
Take payment at checkout, hold it while the order ships or the job gets approved, then release it to the seller. Escrow-style protection for both sides — without the 90-day limits that break on Stripe Connect.
Holding funds until delivery shouldn't mean gluing three tools together
A service or goods marketplace needs to hold a buyer's money until the work is approved — but Escrow.com forces an offsite checkout, Stripe Connect can't hold funds past 90 days, and card authorizations expire in a week. So you either take the fraud risk of paying sellers early, or you build a reserve ledger by hand.
How held funds run on Fynex
Take the money now, move it only when the conditions are met.
Take payment, hold the funds
The buyer pays at checkout and the money is held safely on our licence — not on your balance sheet, not stuck in a card authorization that expires.
Release on your condition
Release when the order ships, the job is approved, or a milestone is hit — in full or in part — by rule or with one call. No arbitrary 90-day ceiling.
Refund cleanly if it falls through
If the work isn't delivered, refund the buyer from the held balance — no clawback from a seller who's already been paid.
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 →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 →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.