Run KYC and KYB inside your own signup, so sellers verify without leaving your product. Stay compliant, cut the fraud that lands on your platform, and keep the conversion that bolted-on verification kills.
Free to start. No contract. We'll show you what your finance stack is costing you.
The problem
KYC that bounces sellers out of your flow costs you sign-ups
Every marketplace has to verify its sellers, and every option costs something. Stripe Connect offers Stripe-hosted, embedded or API onboarding, but the verification belongs to Stripe's account model and the payouts stay on Stripe's rails. Standalone KYB vendors verify the business, then leave you to wire the result into payouts yourself. Meanwhile the fraud that slips through lands on your platform as failed cards and chargebacks.
Seller onboarding
Northwind Labs LtdKYB
Approved
J. WhitfieldKYC
Approved
Atlas StudiosKYB
Under review
What Fynex runs
How seller onboarding runs on Fynex
Verify inside your product, approve in the background, keep control.
01
KYC and KYB inside your own flow
Sellers verify in your product, not bounced to a third-party page. You collect what you need; approvals happen in the background without breaking the signup.
02
Cut fraud before it reaches payouts
Real identity and business checks at onboarding stop the failed-card bombardment and fake sellers that otherwise land on your platform as chargebacks.
03
Stay compliant as you scale markets
KYB and KYC are the switch that turns each seller on — handled on our licence, so compliance keeps pace as you add sellers and countries.
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
!Verify without losing the seller
✕Other platformsHosted form, or an embedded component you integrate and keep current.
✓FynexFlows that fit sole traders and companies alike.
!Keep fraud off your books
✕Other platformsWeak checks; failed cards and chargebacks land on you.
✓FynexReal KYC/KYB stops bad actors at the door.
!Scale to new markets
✕Other platformsRe-solve compliance per country yourself.
✓FynexVerification handled on our FCA-authorised licence.
FAQ
Questions, answered
KYC (Know Your Customer) verifies an individual's identity; KYB (Know Your Business) confirms a company is legitimate and identifies who controls it. A marketplace onboarding sellers usually needs both — KYC on the person, KYB on the business. Fynex runs both, embedded inside your own signup flow.
KYC and KYB run inside your product, so sellers never leave your signup. You collect what you need in your own flow, checks are staged so a seller can start before every document lands, and approvals happen in the background. A verified seller is immediately set up for split payouts, with no second onboarding for the payout side.
Marketplaces usually choose between four kinds of provider. Platform-payments onboarding such as Stripe Connect (hosted, embedded or API). A payout layer with KYC/KYB built in, such as Fynex, where the verified seller is ready for split payouts. Standalone identity and KYB vendors such as Persona, Onfido, Sumsub or, for US businesses, Middesk. And your own build on a vendor's API. The deciding question is who carries the verification and who then pays the seller.
Stripe offers three options: Stripe-hosted onboarding (a Stripe-branded web form), embedded onboarding (a themeable component inside your application) and API onboarding (your own UI, which Stripe says to review at least every 6 months). The first two update automatically for new compliance requirements. The verified account then lives in Stripe's account model, and its payouts go over Stripe's rails.
Yes. Real identity and business checks at onboarding are what stop fake sellers and the failed-card bombardment that otherwise reaches your platform as chargebacks and negative balances. Because Fynex is the one holding funds and running KYB, that risk is handled at the door rather than after the money moves.
Yes. The flow fits sole traders and individual sellers as well as registered companies, so you're not forcing business-detail steps on a person who doesn't have them — a common failure point with off-the-shelf Connect onboarding.
Yes. Verification runs inside your own sign-up flow, and the onboarding section of the API reference documents the states a seller moves through, with verification patterns covering how to stage checks so a seller can start before every document lands.
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.
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