--- title: "Split Payments for Marketplaces | Fynex" description: "Divide one customer payment across sellers, your platform fee and partners at the moment of sale. Rule-based split payments for marketplaces, in any currency or corridor — without becoming a payments company." url: "/uk/marketplaces/split-payments" --- # Split payments across *every party*, at the moment of sale One customer pays once. Fynex divides it between the seller, your platform fee and any partners in real time — by standing rule or per transaction, in any currency. *Marketplace building blocks.* ## Stripe Connect won't split the way your marketplace needs Connect's splits are rigid and US-first, the processor holds the funds, and anything with more than one recipient means separate charges and transfers you stitch together yourself. So you end up batch-calculating payouts, reconciling by hand, and carrying the reserve risk when one review freezes every seller's money at once. ## How split payments run on Fynex Set the rule once. Every payment splits itself from then on. 1. **Split by standing rule or per transaction** — Set a split rule per seller, or pass the split with each payment. Your cut and each party's cut are worked out and routed at checkout — no batch jobs, no manual maths. 2. **Split across many parties at once** — One checkout can pay a seller, a sub-seller, an affiliate and your platform — any number of recipients, in any corridor, from a single customer payment. 3. **Every split traceable for your books** — Each share is logged against the order, so settlement matches your ledger and reconciliation stays clean. ## 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 (Stripe Connect / Adyen) | Fynex | |---|---|---| | Split one payment across many parties | Separate charges and transfers you wire together yourself. | Rule-based splits to every party in real time, any corridor. | | Split in the seller's own currency | US-first, single-rail; cross-border gets held for review. | Multi-currency splits and payouts worldwide. | | Who holds the funds mid-split | The processor does — one review freezes every seller at once. | We hold funds on our FCA-authorised EMI licence. | | Keep the books reconciled | Batch-calculate and match payouts by hand. | Every share logged against the order automatically. | ## Questions, answered ### What are split payments, and how do they work in a marketplace? A split payment 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. ### How is this different from Stripe Connect's split payments? Stripe Connect handles a split as separate charges and transfers you orchestrate yourself, skews US-first, and holds the funds — so a single review can freeze every connected seller at once. Fynex splits to every party in real time in any corridor, holds funds on our own FCA-authorised EMI licence, and can act as Merchant of Record. Run it beside Connect or replace it when you outgrow it. ### Can I split a payment across more than two recipients? Yes. A single customer payment can be split across any number of recipients — seller, sub-seller, affiliate, partner and your platform — in one transaction, each in their own currency, with every share traceable against the order. ### What is revenue sharing, and how does Fynex handle profit splits? Revenue sharing is when income from a sale is divided between the parties who helped earn it. 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, every split traceable for your books. ## The rest of the marketplace money layer Every building block below runs on the same platform. Start with one, or run the whole stack. - **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. - **Payouts** — Pay every party across every rail, in their own currency. ## 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. ## Split every payment. *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