The complete money layer for marketplaces
Split every payment, onboard sellers with built-in KYC, and let Fynex carry the chargeback and tax risk as Merchant of Record. Launch in days, in any market.
You shouldn't have to become a payments company to launch
Stripe Connect won't split the way your marketplace needs. KYC drops sellers in the middle of signup. Chargebacks and cross-border tax land on you. And the payment method your market actually uses, like BLIK, often isn't there. So launch slips, and the risk piles up on your side of the table.
Every workaround adds a vendor: one for KYC, one for payouts, one for tax. Each new market doubles the stitching, and the risk compounds quietly — until a chargeback wave or a tax letter makes it loud.
Every building block of the marketplace money layer
Split payments, escrow, onboarding, payouts and more — each with its own guide.
Divide one payment across sellers, your fee and partners — by rule, in real time.
Explore →Hold a buyer's payment until the work is delivered, then release it to the seller.
Explore →Authorize a card at checkout and capture the payment later, when you're ready.
Explore →Take your cut automatically at settlement — set your take rate once and keep it.
Explore →Verify sellers with built-in KYC and KYB, inside your own signup — without the drop-off.
Explore →Pay sellers on schedule or by rule — mass, instant or timed, in any currency and rail.
Explore →Give each seller a stored balance to hold, top up and withdraw — per currency, one ledger.
Explore →One ledger for every balance, split, hold and payout — reconciled to the transaction.
Explore →The jobs, handled
The work you do by hand today. Fynex runs it for you.
Split every payment by rule
Your cut and each seller's cut, worked out and routed at the moment of sale. No batch jobs, no manual maths.
Onboard sellers with built-in KYC and KYB
Verify every seller inside your own flow, without breaking the signup.
We carry the risk as Merchant of Record
Chargebacks and cross-border tax sit with us, so they don't sit with you.
Pay sellers anywhere
Multi-currency wallets and payouts across every rail, including local methods like SEPA and BLIK.
The finance work that's eating your week
Other tools solve part of it. Fynex solves all of it, on one platform.
See where the money goes
One customer pays once. Fynex splits it between the seller, your platform and you, in real time.
The full finance stack, in one place
Beyond the headline jobs, every page ships with the whole platform behind it.
Virtual pay-in IBANs
Give customers a dedicated IBAN to pay in without a card.
Multi-currency wallets
Hold and move a balance per currency, in one ledger.
Apple Pay & Google Pay
One-tap wallet checkout, built in.
No-code payment links
Send a link or embed checkout in minutes.
Captures & refunds
Manual or partial capture, full or partial refunds.
Webhooks & API
Embed Fynex 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.
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.
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.