Track what each seller holds, what's split, what's reserved and what's paid out — on a single ledger that reconciles to every transaction. The books stay straight no matter how the money moves.
Free to start. No contract. We'll show you what your finance stack is costing you.
The problem
When money splits, holds and pays out, the ledger fragments
Splits in one tool, payouts in another, holds and reserves in a spreadsheet — and reconciliation becomes a month-end archaeology dig. As volume grows, no single view tells you what each seller actually holds, or ties every movement back to the order that caused it.
Ledger · reconciled
Balances held
£142,300
In reserve
£18,400
Paid out today
£31,720
Unreconciled
£0
What Fynex runs
How balance management runs on Fynex
One source of truth for every unit of money on your platform.
01
One ledger for every movement
Splits, holds, reserves, payouts and refunds all post to one ledger, so what each seller holds is always a single, current number — not a reconciliation guess.
02
Reconciled to the transaction
Every movement traces back to the order that caused it, so settlement matches your books to the penny and month-end stops being an archaeology dig.
03
Reserves and holds, tracked
Money held against refunds or in escrow is tracked as its own state, so you always know what's available versus what's committed.
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
!Know what each seller holds
✕Other platformsPiece it together across tools and spreadsheets.
✓FynexOne current balance per seller, always.
!Reconcile as money moves
✕Other platformsMonth-end archaeology across systems.
✓FynexEvery movement reconciled to its order.
!Track reserves and holds
✕Other platformsA spreadsheet nobody trusts.
✓FynexHeld and reserved funds tracked as states.
!Scale the books with volume
✕Other platformsReconciliation gets worse as you grow.
✓FynexOne ledger that holds at any volume.
FAQ
Questions, answered
A payment ledger is the single record of every movement of money on your platform — splits, holds, reserves, payouts and refunds — with each entry tied to the transaction that caused it. A marketplace needs one because money doesn't just flow buyer-to-seller: it's split, held and paid out, and without a unifying ledger those movements fragment across tools and reconciliation breaks.
Every movement — a split, a hold, a payout, a refund — posts to one ledger and traces back to its order, so settlement matches your books to the penny. What each seller holds is always a single current number rather than something you reconstruct at month-end.
Yes. Money held against refunds or in escrow is tracked as its own state on the ledger, so at any moment you can see what's available to a seller versus what's committed — across every currency, on one view.
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
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.
One ledger for the whole platform. Reconciled, always
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