Take payment at checkout, hold it while the order ships or the job gets approved, then release it to the seller. Escrow-style protection for both sides, held on a licence rather than a payout timer.
Free to start. No contract. We'll show you what your finance stack is costing you.
The problem
Holding funds until delivery shouldn't mean gluing three tools together
A service or goods marketplace needs to hold a buyer's money until the work is approved — but Escrow.com forces an offsite checkout, Stripe says outright that it doesn't provide escrow services (its manual payouts only delay a payout, within a country limit), and card authorizations expire in a week. So you either take the fraud risk of paying sellers early, or you build a reserve ledger by hand.
Order · held in escrow
Buyer paidheld
£1,200
Work delivered
Confirmed
Released to seller
£1,140
Platform fee kept
£60
What Fynex runs
How held funds run on Fynex
Take the money now, move it only when the conditions are met.
01
Take payment, hold the funds
The buyer pays at checkout and the money is held safely on our licence — not on your balance sheet, not stuck in a card authorization that expires.
02
Release on your condition
Release when the order ships, the job is approved, or a milestone is hit — in full or in part — by rule or with one call. No payout-timer ceiling to work around.
03
Refund cleanly if it falls through
If the work isn't delivered, refund the buyer from the held balance — no clawback from a seller who's already been paid.
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
!Hold funds until the work is approved
✕Other platformsConnect manual payouts delay a payout, not escrow (90-day UK limit); card auths expire in ~7 days.
✓FynexHold on your condition, with no fixed time cap.
!Keep the buyer on your site
✕Other platformsEscrow.com bounces them to an offsite checkout.
✓FynexEscrow-style hold inside your own flow.
!Who carries the funds while held
✕Other platformsSits on your balance sheet or the processor's.
✓FynexSafeguarded on our FCA-authorised EMI licence.
!Refund if it falls through
✕Other platformsClaw back money from a seller already paid.
✓FynexRefund straight from the held balance.
FAQ
Questions, answered
Yes. Fynex holds a buyer's payment after checkout and releases it to the seller only when your condition is met — the order ships, the job is approved, or a milestone is reached. Funds are safeguarded on our FCA-authorised EMI licence while held, so neither side carries the risk, and there's no arbitrary time cap on how long you can hold.
Stripe states that it doesn't provide escrow services or support escrow accounts. Connect's manual payouts only delay a seller's payout, within a limit set by the seller's country (90 days for UK accounts), and a card authorization hold expires in about a week. Because Fynex holds the money safeguarded on its own e-money licence, you release it on your condition, not a timer, then pay out.
On your trigger. Release when the order is delivered, the buyer approves the work, or a milestone completes — in full or in part, by rule or with a single API call. You define what 'done' means for your marketplace.
Because the money is still held rather than already paid out, you refund the buyer directly from the held balance — no chasing a seller who's already been paid, and no negative-balance clawback on your platform.
Yes. Funds sit in a wallet until the release condition is met, and both sides are documented — wallets for where the money rests and captures and refunds for holding and releasing the payment itself — in the Payments API reference.
Keep building
The rest of the marketplace money layer
Every building block below runs on the same platform. Start with one, or run the whole stack.
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.
Protect both sides. Hold the money until the work is done
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