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Contracts · this monthBilling run
Northwind Studios LtdRetainer + usage · renewed
£4,200
Acme · annualCard failed → retried, recovered
£12,000
Riverside & CoMilestone 2 of 4 · invoiced
£8,500
The problem
Every contract you sign is a billing job someone has to remember
A retainer, a usage fee, a setup charge and two milestones rarely fit one subscriptions tool, so the agreement gets split across the tool, a spreadsheet and somebody's calendar. Renewals slip, an upgrade in the middle of a month is prorated by hand, and a card that fails on the first quietly turns a customer who meant to stay into one who's gone.
Late payment costs UK businesses almost £11bn a year and about 86 hours each spent chasing it (London Economics for the Small Business Commissioner, 2025). The Small Business Protections Bill now before Parliament writes statutory interest into every commercial contract — which only helps if the invoice went out on the day it was due.
Renewals · 1st of the monthWithout it
Due
214
Card declinedfirst attempt
21
Chased by handby the 10th
9
How it works
From a signed contract to money in the bank
Three steps from setup to settled — then it runs itself.
1
Put the whole agreement on one contract
Recurring fee, usage, set-up charges, milestones and credit sit on one versioned contract per customer. An amendment adds a version and never overwrites the last one, so every invoice traces to the terms it was billed on.
2
Let the calendar do the billing
Daily to annual, or any custom cadence. Trials convert or cancel on the day, upgrades prorate by the day, the full period or from the next one, and each period's invoice is issued exactly once.
3
Failed payments come back on their own
A saved card is retried, the subscription moves to past due and back to active the moment it's paid, and the customer is reminded on schedule — or pays by Faster Payments, with the invoice number as the reference.
What comes off your plate
Every contract billed the way you sold it
The four places recurring revenue leaks, and what happens to each.
Subscriptions
Renewals that bill themselves
Trials, pauses, notice periods, auto-renew and plan changes run on the contract's own calendar. Nobody raises the renewal invoice, and nobody forgets to.
Subscription · Northwind
Planmonthly
£4,200
Upgrade on the 12thprorated by day
£1,780
Next invoice1 Nov
Scheduled
Hybrid contracts
Every way you charge, on one agreement
A monthly retainer, usage above an allowance, a one-off set-up fee and milestone payments bill from the same contract, each on its own schedule, on invoices that read the way the deal was sold.
Contract · Riverside & Co · v3
Retainermonthly
£6,000
Milestone 2on sign-off
£8,500
Set-up feeone-off · paid
£1,500
Retries & recovery
A declined card that doesn't cost you the customer
The charge is retried, the customer is told, and the subscription recovers the moment the money lands — every state visible to you, and to your product through a webhook.
Acme · annual renewal
Attempt 1insufficient funds
Declined
Attempt 2retried
Paid
Statuspast due → active
Recovered
Margin first
Your margin is yours before anyone else is paid
When the client pays the monthly invoice, your margin separates on receipt into your own wallet. Contractors are paid after, each against their own statement — so the cash you see is cash you can spend. How it works for agencies: rebilling contractors.
Client invoice · paid
Received
£14,328.90
Your margin · 22%to your wallet
£2,583.90
3 contractorspaid after
£11,745.00
Show, don't tell
One retainer, from invoice to payout
A client is invoiced for three contractors' work plus your 22%. The moment they pay, your margin is in your wallet; the contractors are paid after, each against their own statement.
Contractors' work£11,745.00
Your margin · 22%£2,583.90
Client invoice · paid£14,328.90
Contractor statements3 · paid after
The intelligence layer
What it catches before a renewal goes wrong
Fynex watches every contract against its own calendar and the work actually delivered, so the trial that's about to lapse, the renewal that will fail and the invoice that no longer matches the job surface before the customer notices.
Warns you before a trial ends and before a saved card expires
Drafts the invoice from the work actually delivered, and holds it for your approval
Flags the customer whose usage has outgrown their plan
Spots the contract billing less than its terms say it should
Traces every invoice to the payment and the payouts it funded
How we compare
The same job, with the leaks closed
Point tools solve part of it. Fynex runs the whole thing on one platform.
The problem
Other platforms
Recommended
!Bill a retainer plus usage plus milestones
✕Other platformsSplit across a subscriptions tool and a spreadsheet.
✓FynexOne versioned contract, every charge on its own schedule.
!Prorate a mid-month upgrade
✕Other platformsWorked out by hand, or a credit note later.
✓FynexBy the day, the full period or from the next one — your choice.
!Recover a failed payment
✕Other platformsA failed-payment email, then a manual chase.
✓FynexRetried, reminded and recovered, with every state as an event.
!Pay contractors from the client's money
✕Other platformsWait for the payment, then pay everyone out by hand.
✓FynexYour margin separates on receipt; contractors are paid against their own statements.
Everything you get
The rest of the job, also handled
Beyond the headline job, every account gets the whole platform behind it.
Test clock
Run a year of renewals in the sandbox in a minute.
Trials that convert or cancel
On the date you set, with or without a card up front.
Pause and resume
Stop billing for a while without losing the contract.
Contract versions
Every amendment a new version; nothing edited in place.
Ten subscription states, from started to expired, as events.
One platform, not a dozen
Your contracts, your books and your bank, kept in agreement
Your CRM and the tools you deliver the work in, invoices out, every payment booked back into your accounting system.
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, 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.
Contract billing invoices a customer from the agreement you signed rather than from a single plan — recurring billing plus everything else the deal includes. With Fynex, one versioned contract per customer can carry a recurring fee, usage, one-off charges, milestones and credit; the billing run issues whatever each line owes, on its own schedule, exactly once per period.
Each subscription carries its proration policy: by the day, charge the full period, or apply the change from the next period. A mid-period plan change is bound onto the next recurring invoice, so the customer sees one clear document rather than a stray adjustment.
The saved card is retried automatically, the subscription moves to past due, and the customer is reminded on schedule (dunning — the playbook is in how to stop chasing payments). The moment the invoice is paid the subscription recovers to active. Every change — renewed, past due, recovered, paused, cancelled — is available to your product as a signed webhook.
Yes. They sit on one contract, each with its own schedule: the retainer monthly, usage at period close, a milestone when it's signed off, a set-up fee once. Invoices read the way the deal was sold, and every one traces back to the contract version it was billed on. For agencies, see retainer billing and how to bill deposits and stage payments.
By card on the invoice's payment link — saved for the next cycle if they choose — or by Faster Payments, with the invoice number as the payment reference so it matches itself on arrival. Your payment terms and your statutory late-payment wording go on every invoice, and every payment is booked back into Xero or QuickBooks. The escalation that follows: late-payment letters that work.
Yes. The Billing API creates subscriptions on a contract and pauses, resumes, cancels, ends trials and changes plans, with a test clock to run renewals in the sandbox. Most teams set contracts up from the dashboard; the API is there when your own system should drive billing.
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.
Contracts that bill themselves. Margin that lands first
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