For distributors & wholesalers

Every supplier paid, every invoice matched to its order

Pay the supplier network in one multi-party run, match every invoice to its purchase order, and reconcile per order — in any currency, without becoming a payments company.

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Free to start. No contract. We'll show you what your finance stack is costing you.
The problem

A supplier network to pay, and every invoice matched by hand

A distributor sits between suppliers, warehouses and retailers, with money moving in every direction: paying dozens of suppliers, matching each invoice to a purchase order, and often paying overseas in another currency. Your ERP holds the orders and stock, but it doesn't move the money, run the supplier payouts or match the invoice to the PO — so you run payments through a bank portal, three-way-match by hand, and reconcile per order at month-end.

A distribution platform is the orchestrator; the suppliers, warehouses and retailers underneath it each need the same thing — paid on time, matched to the order, and cash they can plan around. Land the network, then serve the suppliers trading through it.

Supplier run · this week
Suppliers paid38 vendors
£612,400
Cross-border
£184,200
Invoices matched to PO
100%
Unreconciled orders
0
How an order settles

See where the money goes

A retailer pays for an order. Fynex pays the suppliers, matches the invoices to the PO, and keeps your margin, in real time.

CustomerOrder of £52,000Suppliers£42,000paid outYour platfo…£9,000marginFynex£1,000on results
Run your own numbersYour amounts, your terms — worked out in a few seconds.
What Fynex runs

The supplier network, paid and matched

Supplier runs, the three-way match, cross-border and the per-order tie-out — run for you, every week.

Multi-party

Pay the supplier network in one run

Every supplier paid in a single multi-party run, across every rail, on your terms — not a transfer per vendor through a bank portal.

Supplier payouts
Northwind Supply LtdFaster Payments · net-30
£42,800
Meridian Goods LtdFaster Payments · net-30
£31,600
Delta Imports GmbHSEPA · net-45
€28,400
Three-way match

Match every invoice to its PO

Purchase order, goods received and invoice matched automatically, so a payment only goes out when the order ties out — no three-way-matching by hand.

PO-4471 · matched
Purchase order
£42,800
Goods received
Confirmed
Invoice
Matched
Every corridor

Pay suppliers in any currency

Domestic and overseas suppliers paid in their own currency over the cheapest compliant rail — SEPA, SWIFT and local methods — instead of manual FX and held cross-border payments.

Cross-border
GBPEURUSD
Delta Imports · SEPA
€28,400
Kwan Trading · SWIFT
$17,200
Books tie out

Reconcile per order, see margin

Every supplier payment posts against the order it paid for, so what each order cost — and made — ties out automatically, with margin per order and per supplier in real time.

Gross margin per order▴ +1.2pt
19.6%
38 suppliers · rolling 30-day cash positive
How we compare

The ERP records it. Fynex pays it

What the ERP plus a bank portal leaves to your AP team, and what Fynex does with it.

The problem
Other platforms
Recommended
!Pay the whole supplier network
A transfer per supplier through a bank portal.
One multi-party run pays every supplier, any rail.
!Match invoices to purchase orders
Three-way-matched by hand, reconciled late.
Every invoice matched to its PO automatically.
!Pay suppliers overseas
Manual FX; cross-border payments held or delayed.
Multi-currency supplier payouts worldwide.
!Carry the payment & tax risk
Risk and compliance stay on the platform, no Merchant of Record.
We're Merchant of Record on our FCA-authorised EMI.
!Reconcile per order
Matched to orders in a month-end spreadsheet.
Every payment tied to the order automatically.
Pay all 38 suppliers in one run tonight.
Carl Jensen
Carl Jensen
Head of Operations
Match this invoice to its purchase order.
Ines Costa
Ines Costa
Controller
Pay the German supplier in euros, no FX desk.
Paolo Greco
Paolo Greco
Finance Lead
What's our margin on this order?
Lena Voss
Lena Voss
Founder
Pay all 38 suppliers in one run tonight.
Carl Jensen
Carl Jensen
Head of Operations
Match this invoice to its purchase order.
Ines Costa
Ines Costa
Controller
Pay the German supplier in euros, no FX desk.
Paolo Greco
Paolo Greco
Finance Lead
What's our margin on this order?
Lena Voss
Lena Voss
Founder
Everything you get

What else comes with it

Beyond the headline jobs, every account gets the whole platform behind it.

Multi-party supplier payouts

Pay the whole supplier network in one run, any rail.

Invoice-to-PO matching

Three-way match, so payments only go out when orders tie out.

Multi-currency payouts

Pay overseas suppliers in their own currency, no manual FX.

Margin per order

Real-time gross margin per order and per supplier.

Multi-currency wallets

Hold and move a balance per currency, in one ledger.

ERP & API

Connect the ERP you run, with signed webhooks and one API.

Works with what you already run

Connects to the tools your money moves through

Your bank, your accounting system and the tools you run the work in. Fynex reads them, does the finance work between them, and writes the result back.

100+ integrations

Accounting stack

13

Every payment, fee and payout lands in your ledger, coded and reconciled — nobody re-keys it.

QuickBooks
Xero
FreshBooks
Sage
Sage
NetSuite
NetSuite
Wave
Wave

Banks & business accounts

18

We read your balances and pay out of whichever account is cheapest — no bank portals, no copy-paste.

Revolut
Revolut
Wise
Wise
Mercury
Mercury
Brex
Brex
Airwallex
Airwallex
Ramp
Ramp

Inventory & supply chain

9

Purchase orders, stock and landed cost — matched to the supplier invoice before it's paid.

Cin7
Cin7
Unleashed
Unleashed
Katana
Katana
Fishbowl
Fishbowl
Linnworks
Linnworks
ShipStation
ShipStation

Stores & marketplaces

7

Where your revenue actually arrives — orders, fees and refunds pulled in per channel.

Shopify
Shopify
WooCommerce
Wix
Wix
BigCommerce
BigCommerce
Adobe Commerce
Adobe Commerce
Squarespace
Squarespace

CRM & sales

7

The deal, the customer and the terms — pulled in so invoicing starts itself.

HubSpot
HubSpot
Salesforce
Salesforce
Pipedrive
Pipedrive
Zoho
Zoho CRM
Close
Close
Copper
Copper

Payment acceptance

10

Keep the checkout you already run. We take it from the moment the money lands.

Stripe
Stripe
PayPal
PayPal
Adyen
Adyen
Square
Square
Braintree
Braintree
Checkout.com
Checkout.com

Your customers pay however they already pay — Visa, Mastercard, American Express, Apple Pay, Google Pay, SEPA, bank transfer and open banking — through the provider you run today or through us.

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.
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Compliance, handled

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.

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
FAQ

Questions, answered

Fynex is the money layer underneath your distribution business. It pays the supplier network in one multi-party run, matches every invoice to its purchase order, pays overseas suppliers in their own currency, and reconciles per order. Your ERP keeps the orders and stock; Fynex moves the money and carries the risk as Merchant of Record — without becoming a generic spend-management tool.
Fynex runs the three-way match — purchase order, goods received and invoice — automatically, so a supplier payment only goes out when the order ties out. You stop matching invoices to POs by hand and stop chasing the ones that don't reconcile.
Yes. Domestic and overseas suppliers are paid in their own currency over the cheapest compliant rail — SEPA, SWIFT and local methods — so cross-border payments stop getting held for review and you stop running manual FX.
Those are horizontal AP and card tools. Fynex is the money layer for a distribution network specifically: multi-party supplier payouts tied to purchase orders and reconciled per order, with the platform as Merchant of Record. It runs the order-to-payment flow of the business, not just expense cards and bill pay.
No — it sits underneath it. Your ERP keeps orders, inventory and suppliers; Fynex owns the money movement it doesn't do — supplier payouts, invoice-to-PO matching, multi-currency and reconciliation — and connects back to the ERP you already run.
Yes. On our FCA-authorised EMI licence, Fynex acts as Merchant of Record — the payment and cross-border tax risk sits with us instead of your platform, so you move money across suppliers and retailers without holding licences yourself.
You can test the full flow — supplier payouts, invoice-to-PO matching, multi-currency and reconciliation — in a sandbox before going live. Pricing is agreed per case, including performance-share models, so terms fit your order volumes and corridors. Start with a free diagnostic of what your current supplier-payment setup is costing you.
Yes. A payment run can be raised from the system that already holds the purchase orders — the payouts section of the Payments API reference covers creating and tracking a run, and payees covers holding each supplier's verified bank details.
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.

Run the network. We'll run the money underneath it

Get in touch
Spreadsheets, retired with honours.Month-end close, minus the month-end.FX fees, caught red-handed.Fewer tools. Fewer tabs. Fewer tears.Your CFO's favourite coworker never takes lunch.Spreadsheets, retired with honours.Month-end close, minus the month-end.FX fees, caught red-handed.Fewer tools. Fewer tabs. Fewer tears.Your CFO's favourite coworker never takes lunch.Spreadsheets, retired with honours.Month-end close, minus the month-end.FX fees, caught red-handed.Fewer tools. Fewer tabs. Fewer tears.Your CFO's favourite coworker never takes lunch.
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