---
title: "Marketplace Balance Management & Ledger | Fynex"
description: "Track every seller balance, split, reserve and payout on one ledger, reconciled to the transaction. Marketplace balance management and a payment ledger that keeps your books straight as money moves."
url: "/uk/marketplaces/balance-management"
---

# Every balance, *on one ledger*

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.

*Marketplace building blocks.*

## 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.

## How balance management runs on Fynex

One source of truth for every unit of money on your platform.

1. **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.
2. **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.
3. **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.

## 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 (Stitched-together tools) | Fynex |
|---|---|---|
| Know what each seller holds | Piece it together across tools and spreadsheets. | One current balance per seller, always. |
| Reconcile as money moves | Month-end archaeology across systems. | Every movement reconciled to its order. |
| Track reserves and holds | A spreadsheet nobody trusts. | Held and reserved funds tracked as states. |
| Scale the books with volume | Reconciliation gets worse as you grow. | One ledger that holds at any volume. |

## Questions, answered

### What is a payment ledger, and why does a marketplace need one?

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.

### How does Fynex keep marketplace balances reconciled?

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.

### Can I see funds that are held or in reserve separately from available balances?

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.

## The rest of the marketplace money layer

Every building block below runs on the same platform. Start with one, or run the whole stack.

- **Split payments** — Divide one payment across sellers, your fee and partners — by rule, in real time.
- **Escrow & held funds** — Hold a buyer's payment until the work is delivered, then release it to the seller.
- **Delayed capture** — Authorize a card at checkout and capture the payment later, when you're ready.
- **Platform commission** — Take your cut automatically at settlement — set your take rate once and keep it.
- **Seller onboarding & KYC** — Verify sellers with built-in KYC and KYB, inside your own signup — without the drop-off.
- **Payout scheduling** — Pay sellers on schedule or by rule — mass, instant or timed, in any currency and rail.
- **Marketplace wallets** — Give each seller a stored balance to hold, top up and withdraw — per currency, one ledger.
- **Reconciliation** — The reconciliation engine that keeps every movement tied to your books.

## 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.

## One ledger for the whole platform. *Reconciled, always*

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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.



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