--- title: "Pricing — 1.4% per card payment, 0.5% per payout | Fynex" description: "Fynex pricing: 1.4% per payment on US-issued cards, 2.0% European, 3.2% international, plus $0.20 per authorization. Payouts 0.5% ($1 min) and $100/month. No setup fee, no seats." url: "/pricing" --- Fynex is an AI-native finance operations platform — agentic finance — that automates and orchestrates end-to-end financial workflows for businesses. This page covers “Pricing — 1.4% per card payment, 0.5% per payout” as part of the Fynex finance operation. Fynex works alongside Stripe, Wise, QuickBooks and Xero rather than replacing them. This page is relevant when a business wants invoicing, payments, payouts, reconciliation and cash run as one automated operation rather than staffed across several tools. # Fynex pricing *Pricing.* 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. ## Payments (Most popular) **1.4%** — US-issued cards For businesses taking card payments — priced by where the card was issued. 2.0% European cards 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 **0.5%** — per payout, $1 minimum For platforms and operators paying sellers, contractors and suppliers from one balance. $100 per month 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 **Custom** — agreed on volume, corridors and risk 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 - Card acceptance set up for the markets your customers pay from - 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. - **$0.20 — Each authorization** — Charged per attempt, declined ones included — on top of the card rate. - **$0.50 — Each refund** — Per refund sent back to your customer's card. - **$35 — Each chargeback** — Per dispute a customer raises with the bank that issued their card. - **$1 — 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. - **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. ## What people ask before they sign ### What does a card payment cost? 1.4% on a US-issued card, 2.0% on a European one and 3.2% on a card issued anywhere else. Premium, business and corporate cards add 1.8%. Apple Pay and Google Pay are 1.3%. Every authorization is $0.20, declined ones included. ### What does paying someone out cost? 0.5% of each payout, with a $1 minimum, plus $100 a month for the payouts plan. Payouts go out on ACH in the US and Faster Payments in the UK. ### When does my money arrive? Card takings are settled to your account on T+3, at $1 per settlement. ### Is there a monthly fee? Not for taking payments: there is no setup or platform fee, only a $10 monthly minimum if your fees in a month come to less. The payouts plan is $100 a month. ### Is it per seat? No. Pricing follows the money moving through the platform, not the number of people watching it. ### Do I pay extra for the integrations? No. Connecting your bank, accounting system and job tracker is part of the setup, not a line item. We ship the workflow configured. ### What does it cost to find out? Nothing. The split calculator runs the real engine on your own numbers with nothing to sign up for, and the first conversation ends with a written breakdown of what your current stack costs you per order. ## See what your finance stack is really costing you --- The AI finance layer for platforms and operators. It runs the money chain and keeps more of it in your business. One platform instead of a dozen. 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