Most finance stacks are a relay race: a tool to invoice, a tool to pay, a bank, a spreadsheet to make them agree. Fynex runs the whole chain in one place — money in, allocated, out, and reconciled — so the handoffs between steps stop being your job.
Free to start. No contract. We'll show you what your finance stack is costing you.
The problem
The work isn't in the steps. It's in the gaps between them
Every finance tool solves one step well and then hands you a gap. The invoicing tool doesn't know what settled. The bank doesn't know which job a payment belongs to. The accounting system finds out weeks later, from whoever typed it in. Each tool looks efficient on its own, and the work quietly moves into the space between them.
That space is where the week goes — matching payments to invoices, rebuilding commission splits in a sheet, chasing which supplier was paid on what rail and what it cost. None of it appears as a line item anywhere. It just gets absorbed by somebody, every month, forever.
One payment, three systems
Invoice #1042invoicing tool
Sent
Bank creditno reference attached
$2,380
Accounting entrywaiting on the export
Missing
Matched by
A person, on Friday
How the platform works
The path money takes
Four stages, one ledger. Each hands off to the next without you in the middle.
1
Money in
Invoices are raised and sent from your billing rules, on a branded payment link or straight to your customer's bank. Every one is read before it goes out, so errors are caught before a customer sees them.
2
Allocated
The moment a payment settles, a rule decides who is owed what — your commission, the seller's share, a partner fee — and lands each share in its own wallet. What gets allocated is what actually arrived, after costs.
3
Money out
Payouts and supplier bills run on a schedule you set, routed by cost, held back when a threshold needs a human. Approvals happen once, on a batch, not invoice by invoice.
4
Reconciled and reported
Every movement is matched to its invoice, job and contract, then written back to your accounting system — so the books are current and you can answer where the money went without opening a spreadsheet.
The modules
What's in the platform
Each one works on its own. They compound when they run on the same ledger.
Underneath the modules is the layer that reads what's happening and acts on it: what a payment really cost you once the FX margin and interchange are unpicked, which supplier terms are worth taking early, which invoice looks wrong before it's sent, where a fee has drifted from what was contracted.
It's the difference between software that records finance and software that runs it. The [intelligence layer](/about/) is described in full on its own page.
Reading the movement
True cost · order #4471FX + interchange unpicked
2.9%
Supplier ratevs what was contracted
+18%
Early-pay discount2/10 net 30
Worth taking
Invoice #1043amount looks wrong
Held
Compliance, handled
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.
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
One platform, not a dozen
Connects to the stack you already run
Your bank, your accounting system and the tools you run the work in. Fynex reads them, does the finance work between them, and writes the result back.
100+ integrations
Accounting stack
13
Every payment, fee and payout lands in your ledger, coded and reconciled — nobody re-keys it.
QuickBooks
QuickBooks
Xero
Xero
FreshBooks
FreshBooks
Sage
Sage
NetSuite
NetSuite
Wave
Wave
Banks & business accounts
18
We read your balances and pay out of whichever account is cheapest — no bank portals, no copy-paste.
Revolut
Revolut
Wise
Wise
Mercury
Mercury
Brex
Brex
Airwallex
Airwallex
Ramp
Ramp
Invoicing & contracts
9
The contract sets the terms; we hold you to them — discounts, retention, caps, all applied before money moves.
DocuSign
DocuSign
PandaDoc
PandaDoc
Dropbox Sign
Dropbox Sign
Adobe Acrobat Sign
Adobe Acrobat Sign
BILL
BILL
Invoice Ninja
Invoice Ninja
Payroll & contractors
12
Everyone you owe who isn't a supplier — crew, contractors, freelancers, in whatever currency they bank in.
Gusto
Gusto
Deel
Deel
Rippling
Rippling
Remote
Remote
ADP
ADP
Justworks
Justworks
Spend & expenses
8
Cards, receipts and subscriptions on the cost side of the same ledger.
Expensify
Expensify
Pleo
Pleo
Soldo
Soldo
Payhawk
Payhawk
Spendesk
Spendesk
Navan
Navan
Spreadsheets & docs
6
The spreadsheet you rebuild every month — we fill it, or replace it. Your call.
Google Sheets
Google Sheets
Microsoft Excel
Excel
Microsoft Excel
Notion
Notion
Airtable
Airtable
Google Drive
Google Drive
Dropbox
Dropbox
Your customers pay however they already pay — Visa, Mastercard, American Express, Apple Pay, Google Pay, SEPA, bank transfer and open banking — through the provider you run today or through us.
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.
One recent diagnostic found €2M in hidden fees across 10 processors for a proptech client.
No. Fynex is where your finance operations run. Money does move through it — payments in, splits, payouts — but the reason to use it is what happens around the money: the invoice raised without you, the payment matched to the right job, the supplier paid on the right rail, the books updated. A processor moves money and stops there.
No. Each module works on its own and they compound when combined — invoicing gets sharper when reconciliation is watching the same ledger, and payouts get cheaper when the cost intelligence has your real fee data. Most platforms start with the one job that hurts most and widen from there.
No, and it isn't trying to. Your accounting system is the book of record; Fynex is the layer that does the work between your bank, your invoices and that book, then writes the result back. QuickBooks stays where it is.
Your rules: who gets paid what and in what order, when invoices go out, which cost thresholds need a human, what your cash floor is. The routine execution against those rules is the part Fynex takes over.
Point tools each solve one step and hand you the gaps between them — the reconciliation, the re-keying, the chasing. Those gaps are where the work actually is. Running the steps on one platform means the handoffs stop being your job.
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.
The whole money chain.One platform, one ledger, no handoffs
Essential cookies keep the site working. With your OK we also use analytics cookies (PostHog and Google) to see how the site is used and improve it. See our Cookie Policy.
