Fynex pricing follows the money: a percentage on each card payment, set by where the card was issued, and a percentage on each payout. There are no per-seat charges, no setup fee and no integration fees.
PaymentsMost popular
For businesses taking card payments — priced by where the card was issued.
What's included
- Cards issued outside the US and Europe — 3.2%
- Apple Pay and Google Pay — 1.3%
- Premium, business and corporate cards — 1.8% on top
- $0.20 per authorization, declined ones included
- Refunds $0.50 · chargebacks $35
- Your takings paid out on T+3, $1 per settlement
- Every payment reconciled into your accounting system
- No setup or platform fee — $10 monthly minimum
Payouts
For platforms and operators paying sellers, contractors and suppliers from one balance.
What's included
- Split payouts with per-payee terms, changed from the dashboard
- A balance per seller, per currency
- Payouts on ACH in the US and Faster Payments in the UK
- One approval, many recipients, one run
- Every payout reconciled into your accounting system
- Every integration — bank, accounting, job tracker — free
- Unlimited users and approval rules — free
Enterprise
For businesses whose volume, rails or regulatory position need their own terms.
Everything in Payments and Payouts, plus
- Volume rates on card payments and payouts
- Merchant of Record — we carry the chargeback and tax exposure
- Corridors and payout rails opened for your markets
- A committed uptime and settlement SLA
- A named person on your account, not a queue
- Custom agent workflows built to your contracts
Prices in USD, excluding taxes. Card scheme fees and interchange may be passed through at cost.
What else a payment can cost you,
stated before you sign
The per-item fees, at the size they will appear on your statement.
Each authorization
Charged per attempt, declined ones included — on top of the card rate.
Each refund
Per refund sent back to your customer's card.
Each chargeback
Per dispute a customer raises with the bank that issued their card.
Each settlement to your account
Your takings land on T+3.
The same price, three different jobs
The model does not change by segment; what the agents are asked to run does.
Split payouts, configured not coded
Per-payee terms in a versioned rule, changed from the dashboard instead of a release.
A balance per seller, per currency
Available, held and pending kept apart on one ledger.
Merchant of Record, if you want it
We carry the chargeback and tax exposure on our own licence.
B2B supplier payments, run for you
Invoices matched to contracts and jobs, then paid on the terms you agreed.
The cheapest rail for each payout
ACH in the US, Faster Payments in the UK, chosen from the payee's account.
Reconciliation that closes itself
Bank, invoices and contracts matched into your accounting system continuously.
Margin visible per client, per month
What each engagement actually earned once pass-throughs and fees are counted.
Contractors paid on one run
One approval, many recipients, in the currency each of them registered.
The next action, not a report
Agents surface the decision — who to pay, when, through what — with the arithmetic attached.
A platform taking $250,000 a month
2,500 orders worth $250,000, all on US-issued cards, cost 1.4% — $3,500 — plus $0.20 for each authorization: $500. Sending $240,000 back out to sellers costs 0.5% — $1,200 — plus the $100 payouts plan. Around 22 settlements at $1 each add $22. That is $5,322 all in, with every payment reconciled and every seller paid on the terms you set.