--- title: "Marketplace & Platform Payments | Fynex" description: "Split every payment, onboard sellers with built-in KYC, and let Fynex carry the chargeback and tax risk as Merchant of Record. Launch without becoming a payments company." url: "/uk/marketplaces" --- # 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. *For marketplaces & platforms.* ## 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 building block of the marketplace money layer Split payments, escrow, onboarding, payouts and more — each with its own guide. - **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. - **Balance management** — One ledger for every balance, split, hold and payout — reconciled to the transaction. ## The jobs, handled The work you do by hand today. Fynex runs it for you. 1. **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. 2. **Onboard sellers with built-in KYC and KYB** — Verify every seller inside your own flow, without breaking the signup. 3. **We carry the risk as Merchant of Record** — Chargebacks and cross-border tax sit with us, so they don't sit with you. 4. **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. | The problem | Other platforms (Stripe Connect / Adyen) | Fynex | |---|---|---| | Split a payment across many parties | Rigid, US-first splits — and the processor holds the funds, so one review freezes every seller's money at once. | Rule-based splits to every party, in real time, any corridor. | | Onboard sellers with KYC, keep conversion | Bolted-on KYB with opaque, automated rejections — friction and silent declines cost you sign-ups. | Embedded KYC inside your own sign-up flow. | | Carry the chargeback & tax risk | Risk stays with you, with no Merchant of Record — and reserves can lock a slice of revenue for months. | We're Merchant of Record on our FCA-authorised EMI. | | Pay sellers in any country & currency | Payouts skew US and single-rail, and large or unusual ones get held for review. | Multi-currency payouts worldwide. | | A missing method blocks a market | Each new method is a new integration. | Cards, wallets, SEPA, BLIK, Open Banking and IBANs, built in. | ## See where the money goes One customer pays once. Fynex splits it between the seller, your platform and you, in real time. Customer pays £100: | Party | Amount | | |---|---|---| | Seller | £80 | paid out | | Your platform | £15 | your fee | | Fynex | £5 | on results | ## 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. Integrates with: Revolut, Wise, Mercury, Brex, Airwallex, Ramp, Bluevine, Bank of America, American Express, BLIK, Apple Pay, Google Pay, Visa, Mastercard. ## 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. ## Questions, answered ### What are split payments, and how do they work in a marketplace? A [split payment](/docs/split-payments/how-do-split-payments-work/) automatically divides one customer payment between multiple parties — your sellers, your platform fee, and any partners — at the moment of sale. Fynex executes rule-based splits in real time across any currency or corridor, so you never batch-calculate payouts or move money by hand. Set a standing split rule per seller, or split per transaction. ### What is revenue sharing, and how does Fynex handle profit splits? Revenue sharing (or profit sharing) is when income from a sale is divided between the parties who helped earn it — a marketplace and its sellers, creators or partners. Fynex turns your revenue-share model into rules and routes each party's share automatically at settlement, in any currency. No spreadsheets, no manual maths, and every split is traceable for your books. ### What is KYB, and how does Fynex verify sellers? [KYB (Know Your Business)](/docs/getting-started/what-documents-do-i-need-to-verify-my-business/) is the check that confirms a seller is a legitimate business before they can take payments — the company equivalent of KYC. Fynex runs KYB and KYC embedded inside your own sign-up flow, so sellers verify without leaving your product and you stay compliant. It's the switch that turns each seller on. ### Can Fynex be the Merchant of Record for my marketplace? Yes. On our FCA-authorised EMI licence, Fynex acts as Merchant of Record — we carry the chargeback and cross-border tax liability, and we're the merchant on record for each transaction. That risk sits with us instead of your platform, so you launch without becoming a payments company or a tax entity in every market. ### How do you onboard sellers without hurting conversion? KYC and KYB run embedded inside your own sign-up flow, so sellers verify in your product instead of being bounced to a third party. You collect what you need, approvals happen in the background, and you stay compliant without the drop-off that bolted-on verification causes. ### Can I pay sellers in any country and currency? Yes. Fynex sends multi-currency, multi-party payouts across every rail — SEPA, SWIFT, local methods like BLIK — on your schedule or by rule. Sellers are paid in their own currency, and a missing local method no longer blocks a new market. ### Do I have to become a payments company, or replace Stripe Connect? Neither. Fynex is the payments layer underneath your marketplace, so you don't build a payments company or hold the licences yourself. Run it next to Stripe Connect when you need cross-border payouts, multi-currency settlement, real split logic or a Merchant of Record — or replace Connect when you outgrow it. ### How fast can we launch, and what does it cost? You can test the full flow — split payments, multi-party routing and refunds — in a sandbox before going live, then switch on once KYB is complete. Pricing is agreed per case, including performance-share models, so terms fit your volumes and markets. Start with a free diagnostic of your current setup. ## Launch the marketplace. *We'll run the money underneath it* --- 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. © 2026 Fynex