Agentic finance for digital studios & agencies

Protect the margin on every project

Know what every project really made, and pay every freelancer on time.

Get in touch

Free to start. No contract. We'll show you what your finance stack is costing you.

What's our margin on this project?

Noah Bennett

Founder & CEO

Pay every freelancer, in every currency.

Ines Costa

Studio Lead

Raise and chase the monthly retainers.

Leah Gold

Finance Manager

Where do fees eat our margin?

Adam Pryce

Managing Director

What's our margin on this project?

Noah Bennett

Founder & CEO

Pay every freelancer, in every currency.

Ines Costa

Studio Lead

Raise and chase the monthly retainers.

Leah Gold

Finance Manager

Where do fees eat our margin?

Adam Pryce

Managing Director

The problem

You only find out a project lost money after it ships

Freelancer payouts cross currencies, and FX takes a cut each time. Fees sit across providers, so nobody sees the full cost. Retainers get reconciled by hand at month-end. The margin leaks quietly, project by project, while your team is busy delivering.

Meanwhile the work keeps moving: new retainers, new freelancers, new currencies. Every project closes before you know what it earned, and the client who drains the team looks exactly like the one who pays for it.

Project margin

Project #218Brand refresh

26%

Project #219Web build

Retainers due

17 · auto

Go deeper

Every way an agency bills, with its own guide

Retainers, rebilled contractors and the margin between them — each with its own guide.

Retainer billing

Retainers that invoice, collect and roll over on their own — with overage, set-up fees and milestones on the same contract.

Explore →

Rebilling contractors

Rebill contractors and pass-through costs to clients with your margin separated on receipt — then pay each contractor.

Explore →

What Fynex runs

The work between the brief and the books

Margin, freelancer pay, retainers and the money view — the finance work of running an agency, run for you.

While the work runs

Margin on every project, while it runs

See what every project and every client makes, after fees and FX, while the work is still running.

Project #218

Billed

£24,000

Freelancer payouts

£15,400

Margin

£6,200 · 26%

No manual FX

Freelancers paid in their own currency

Pay every freelancer in their own currency, on schedule, with no manual FX.

Payouts

GBPUSDEUR

J. WhitfieldFaster Payments · Fri

£2,400

S. BrennanACH · Fri

£1,850

On autopilot

Retainers that bill themselves

Retainers raise, chase, and reconcile themselves, every month.

Retainers · May

Collected17 retainers

£40,800

Outstanding3 · auto-chased

£7,200

85% collected

One screen

One money view

Every payout, fee, and retainer in one place, in real time.

Settlement currency

GBP

46%

USD

42%

EUR

Other

Docs & API

Drive the whole client money cycle
from your own systems

Your account managers spend more of the week collecting retainers and splitting partner fees than on client work, and every overseas payment costs more than it should.

Server-to-server

Retainers that charge themselves

The first payment opts into merchant-initiated repeats, and each month references that transaction.

POST /payments-api/v1/initialize-payment
{ "subscription": { "enabled": true,
    "allowSubsequentMerchant
      Initiated": true } }

Server-to-server reference →

Splits

Route a partner's share at settlement

A referral cut or a partner studio's share divided when the money lands, not invoiced back a month later.

POST /payments-api/v1/checkout
{ "orderData": { "payeeDistribution":
  [ { "payeeId": 101,
      "amount": 1500.00 } ] } }

Splits reference →

Payouts

Pay freelancers in their own currency

One call per contractor; the rail follows the currency and the account they registered.

POST /payments-api/v1/payees/101/payouts
{ "payoutMethodId": 501,
  "amount": "2400.00" }

Payouts reference →

Virtual accounts

One pay-in account per client

Each client transfers into their own issued IBAN, so what arrived and from whom is never a guess.

GET /payments-api/v1/payees
→ { "payees": [{ "id": 101, "legalEntityId": 77, "displayName": "Primary Payee", "role": "Contractor", "merchantId": "merchant-1", "status": "Active", "isActive": true, "createdAt": "2026-04-07T10:00:00Z", "updatedAt": "2026-04-07T10:00:00Z" }], "total": 1, "limit": 20, "offset": 0 }

Virtual accounts reference →

How we compare

Where the margin leaks, and where it doesn't

What the Stripe-plus-accounting-plus-spreadsheets stack costs a project, and what Fynex does instead.

The problem

Other platforms

Recommended

!Protect project margin

✕Other platformsNo project-level margin view.

✓FynexMargin per project, after FX and fees.

!Pay freelancers across currencies

✕Other platformsSeveral payout tools and manual FX — and overseas payouts get flagged, delayed, or held.

✓FynexMulti-currency freelancer payouts, scheduled.

!Bill & reconcile retainers

✕Other platformsA recurring tool, reconciled by hand.

✓FynexRetainer billing with auto-reconciliation.

!Control fees across providers

✕Other platformsFees spread across providers, with surprise minimums and FX spreads buried in the rate.

✓FynexOne stack, one clear fee view.

!See profit per client

✕Other platformsPieced together after the fact.

✓FynexProfit per client, live.

Show, don't tell

Margin on every project, automatically

Fynex tracks fees, FX and payouts per project, so you see real profit per client without a spreadsheet.

▴ 12.5%This quarter

Project #218 billed£24,000

Freelancer payouts£15,400

Project margin£6,200 · 26%

Retainers due17 · auto

Everything you get

The rest of the job, also handled

Beyond the headline jobs, every account gets the whole platform behind it.

Renewal automation

Retainers raised, chased and renewed for you.

Reconciliation to your books

Xero, QuickBooks and FreshBooks, auto-matched.

Multi-currency wallets

Hold and pay in every currency you bill.

No-code payment links

Invoice or collect with a link.

Splits

Distribute fees across partners and freelancers.

Saved cards

Bill repeat clients without re-entry.

Works with what you already run

Your bank, your books and the tools you run the work in, kept in agreement

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

Every payment, fee and payout lands in your ledger, coded and reconciled — nobody re-keys it.

QuickBooks

Xero

FreshBooks

Sage

NetSuite

Wave

Banks & business accounts

We read your balances and pay out of whichever account is cheapest — no bank portals, no copy-paste.

Revolut

Wise

Mercury

Brex

Airwallex

Ramp

Project & time tracking

Hours, retainers and delivery status — so a project's real margin shows up without a spreadsheet.

monday.com

Asana

Jira

ClickUp

Trello

Linear

Site & app builders

Whatever you built the business on — payments, invoicing and payouts wire into it without a dev project.

Webflow

Framer

Lovable

Bubble

Softr

Glide

CRM & sales

The deal, the customer and the terms — pulled in so invoicing starts itself.

HubSpot

Salesforce

Pipedrive

Zoho CRM

Copper

Payment acceptance

Keep the checkout you already run. We take it from the moment the money lands.

Stripe

PayPal

Adyen

Square

Braintree

Checkout.com

Your customers pay however they already pay — Visa, Mastercard, American Express, Apple Pay, Google Pay, Faster Payments, 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.

Get in touch

Compliance, handled

Your money, held under a licence, not a promise

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 Ltd

Approved

KYC · J. Whitfield

Approved

FAQ

Questions, answered

What is project profitability, and how does Fynex show margin per project?+

Project profitability is the real margin left on a project after every cost — freelancer payouts, payment fees and FX. Fynex tracks margin per project and per client in real time as the money moves, so you can see which work actually makes money while it's still running, not after it ships.

How do multi-currency freelancer payouts work?+

Fynex pays each freelancer in their own currency, on schedule or by rule, across Faster Payments, SWIFT and local rails. Payouts run automatically without you juggling FX or moving money corridor by corridor, and each one reconciles to your books behind it.

What is retainer billing, and can Fynex automate it?+

Retainer billing is recurring invoicing for an ongoing engagement — a fixed monthly fee. Fynex automates it end to end: retainers raise, chase and collect themselves with dunning, and reconcile to your accounting, so monthly billing stops being a manual job.

Can I see profit per client and per project in real time?+

Yes. Fynex shows margin by project and by client, after fees and FX, in real time. You can tell the client who pays for the team apart from the one who drains it — without piecing it together in a spreadsheet after the fact.

Does Fynex reconcile retainers and payments to my accounting?+

Yes. Every payment, payout and retainer auto-reconciles to Xero, QuickBooks or FreshBooks in real time, so your books stay accurate without manual matching at month-end.

Can I collect from clients with a payment link?+

Yes. Send a no-code payment link or embed checkout to collect from clients by card, Apple Pay or Google Pay — no developer — and the payment flows straight into your project margin view.

Do I have to replace my accounting or billing tools?+

No. Fynex runs the money and keeps your accounting in sync — add it for project margin, freelancer payouts and retainer billing, and keep the Xero, QuickBooks or FreshBooks setup your team already uses.

What is agentic finance, and what does it mean for an agency?+

Agentic finance is finance operations run by AI rather than by an account manager and a spreadsheet. For an agency that means margin per project stays live as costs land, freelancers are paid on schedule in their own currency, retainers bill and reconcile themselves, and you see a project going underwater while you can still act on it — not in the post-mortem.

How fast can we set up, and what does it cost?+

You can connect your accounting and start billing and paying out quickly. Pricing is public: card payments from 1.4%, payouts at 0.5% each, and larger flows priced on volume, corridors and risk (pricing). The fastest start is a free diagnostic of your current setup. No contract to start.

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.

Know your margin while the project runs, not after it ships

Get in touch

Spreadsheets, retired with honours.Month-end close, minus the month-end.FX fees, caught red-handed.Fewer tools. Fewer tabs. Fewer tears.Your CFO's favourite coworker never takes lunch.Spreadsheets, retired with honours.Month-end close, minus the month-end.FX fees, caught red-handed.Fewer tools. Fewer tabs. Fewer tears.Your CFO's favourite coworker never takes lunch.Spreadsheets, retired with honours.Month-end close, minus the month-end.FX fees, caught red-handed.Fewer tools. Fewer tabs. Fewer tears.Your CFO's favourite coworker never takes lunch.

Protect the margin on every project

You only find out a project lost money after it ships

Every way an agency bills, with its own guide

The work between the brief and the books

Margin on every project, while it runs

Freelancers paid in their own currency

Retainers that bill themselves

One money view

Drive the whole client money cyclefrom your own systems

Retainers that charge themselves

Route a partner's share at settlement

Pay freelancers in their own currency

One pay-in account per client

Where the margin leaks, and where it doesn't

Margin on every project, automatically

The rest of the job, also handled

Renewal automation

Reconciliation to your books

Multi-currency wallets

No-code payment links

Splits

Saved cards

Your bank, your books and the tools you run the work in, kept in agreement

Accounting stack

Banks & business accounts

Project & time tracking

Site & app builders

CRM & sales

Payment acceptance

Find what you're leaking, for free

Your money, held under a licence, not a promise

FCA-authorised EMI

PCI DSS Level 1

Audit logs

Built-in KYC / KYB

Questions, answered

Know your margin while the project runs, not after it ships

Drive the whole client money cycle
from your own systems