--- title: "Commercial Property Management Payments & Payouts | Fynex" description: "The money layer for commercial property management platforms. Collect rent, split fees to owners, pay the contractor and vendor network in one run, and reconcile every invoice to every property — without becoming a payments company." url: "/property" --- # The money layer for *property management platforms* Collect rent, split fees to owners and your platform, pay the whole contractor and vendor network in one run, and reconcile every invoice to every property — without becoming a payments company. *For property management platforms.* ## Property runs on money moving between dozens of parties — and your software doesn't move it A commercial property platform orchestrates an ecosystem, not a building: rent in from tenants, the owner's share out, your management fee, and payouts to cleaning, HVAC, maintenance and security contractors and their suppliers. AppFolio and Yardi hold the ledger, but they don't split the payment, pay the network or carry the risk — so you stitch a processor, a payouts tool, an AP tool and a reconciliation spreadsheet together by hand. ## Every building block of the property money layer Rent collection, contractor payouts, reconciliation and more — each with its own guide. - **Contractor & field-service payouts** — Pay every cleaning, HVAC, maintenance and security contractor in one run — and match every invoice. ## The jobs, handled The work you do by hand today. Fynex runs it for you. 1. **Collect rent, split at source** — Take rent by card, wallet or bank, then route the owner's share, your management fee and any reserve the moment it lands — no month-end disbursement run by hand. 2. **Pay the contractor network in one run** — Cleaning, HVAC, maintenance, security and their suppliers — paid in one multi-party run, on your schedule or by rule, across every rail. The operator layer, paid like one payroll. 3. **Reconcile every invoice to its property** — Each rent split, supplier invoice and contractor payout is logged against the property it belongs to, so settlement matches your ledger and the month-end close stops being a hunt. 4. **See margin and cash across the portfolio** — Margin per property and a rolling cash forecast across every unit, owner and contractor — the numbers that normally live in three tools and a spreadsheet, in one place as the money moves. ## The finance work that's eating your week Other tools solve part of it. Fynex solves all of it, on one platform. | The problem | Other platforms (AppFolio / Yardi + Stripe) | Fynex | |---|---|---| | Collect rent and split it at source | The PMS records the charge; a separate processor takes the card, then you disburse to owners by hand. | Collect rent online and split the owner's share, your fee and any reserve in one movement. | | Pay the whole contractor & vendor network | A payouts tool per rail, plus manual AP for supplier invoices — reconciled later, if at all. | One payout run to cleaning, HVAC, maintenance and security — multi-party, any rail. | | Reconcile invoices to properties | Export, match in a spreadsheet, chase the ones that don't tie out. | Every invoice and payout logged against its property automatically. | | Carry the payment & tax risk | Risk and compliance stay on the platform, with no Merchant of Record. | We're Merchant of Record on our FCA-authorised EMI. | | See margin and cash across the portfolio | The numbers live in three tools and a month-end close. | Margin per property and cash forecast across the portfolio, in real time. | ## See where the rent goes One tenant pays rent once. Fynex splits it between the owner, your management fee and the maintenance reserve, in real time. Tenant pays $8,600: | Party | Amount | | |---|---|---| | Owner | $6,708 | disbursed | | Your platform | $1,032 | management fee | | Reserve | $860 | maintenance | ## The full finance stack, in one place Beyond the headline jobs, every page ships with the whole platform behind it. - **Collect rent online** — No-code payment links or card, wallet and bank rent collection — no developer. - **Virtual IBANs per property** — Give each property or owner a dedicated pay-in account. - **Multi-currency wallets** — Hold and move a balance per currency, in one ledger. - **Invoice reconciliation** — Supplier and contractor invoices matched to the property automatically. - **Portfolio cash forecast** — A rolling cash-flow forecast across every unit and contract. - **PMS & API** — Connect the property system you run, with signed webhooks and one API. ## Connects to the stack you already run Cards and wallets in, payouts out, your accounting and tools in sync. Integrates with: Revolut, Wise, Mercury, Bank of America, Apple Pay, Google Pay, Visa, Mastercard. ## 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. ## 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. ## Questions, answered ### What does Fynex do for a commercial property management platform? Fynex is the money layer underneath your property platform. It collects rent, splits the owner's share, your management fee and any reserve in one movement, pays your cleaning, HVAC, maintenance and security contractors in a single multi-party run, and reconciles every invoice and payout back to the property it belongs to. Your property management software keeps the ledger; Fynex moves and splits the money, and carries the risk as Merchant of Record. ### How does property management payment processing work with Fynex? Tenants pay rent by card, wallet or bank through a no-code payment link or your own checkout. The moment rent lands, Fynex routes the owner's disbursement, your fee and any maintenance reserve by rule — so you collect rent online and split it at source instead of running a month-end disbursement by hand. Every split is logged against the unit for reconciliation. ### Can Fynex pay our contractors and suppliers? Yes. Cleaning, HVAC, maintenance, security and their suppliers are paid in one multi-party payout run, on your schedule or by rule, across every rail. Vendor and subcontractor payouts, invoice matching and margin per job are the same money layer — which is exactly what lets you expand from the platform to the operators working on it. ### Does Fynex replace AppFolio or Yardi? No — Fynex owns the financial spine (rent collection, splits, payouts, reconciliation and cash forecasting) and connects to the property system you already run. AppFolio, Yardi or your PMS keep the property and lease records; Fynex adds the money movement and the risk cover they don't. ### Does this work for co-living, build-to-rent, flex-office and short-term-rental operators? Yes. Co-living operators, build-to-rent portfolios, flex-office and coworking, and short-term-rental management companies all run the same fragmented money flows — many owners or members, many contractors, recurring billing and multi-party payouts. Fynex runs that layer for each of them; the mechanics are the same, only the labels change. ### Can Fynex be the Merchant of Record for our platform? Yes. On our FCA-authorised EMI licence, Fynex acts as Merchant of Record — the payment and cross-border tax risk sits with us instead of your platform, so you move money across the ecosystem without becoming a payments company or a tax entity in every market. ### Does the same money layer work beyond property? It does. The same land-on-the-platform, expand-to-the-operators motion runs for construction management platforms and their subcontractors, freight and logistics platforms and their carriers, and facilities-management operators — any ecosystem where one platform orchestrates a network of contractors and suppliers. Property is where we start. ### How fast can we launch, and what does it cost? You can test the full flow — rent collection, splits, multi-party payouts and reconciliation — in a sandbox before going live. Pricing is agreed per case, including performance-share models, so terms fit your portfolio and markets. Start with a free diagnostic of what your current rent-and-payouts stack is costing you. ## Run the property platform. *We'll run the money underneath it* --- 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. © 2026 Fynex