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Payments

Finly + Wise

Payments · Two-way sync · Live since 2025 · About 6 minutes to connect

What it does

Finly reads every Wise balance in every currency you hold, and books the conversion at the rate the transfer actually got. FX gain and loss lands on its own account as it happens, rather than as a plug at the end of the quarter.

What syncs

What moves, and which way.

Both directions, on every sync.Nothing here is a nightly batch —a record that changes at 14:02 is in the ledger before you look at it.

Wise → Finly

  • Balances in every currency held
  • Transfers in and out, with their reference
  • The FX rate applied to each conversion
  • Wise fees, posted to their own account
  • Card spend on Wise cards, per holder
  • Direct debits and standing orders

Finly → Wise

  • Ledger account codes, written back as metadata
  • Reconciliation status on every transfer
  • Entity tag, so a multi-entity group stays separate

Connected

What it looks like once it is on.

The Finly ledger view for a connected payments account: €1.84M settled this month, €41,900 of processing fees at 2.3% of gross, no unreconciled payouts, a twelve-week payout chart split between cards, gross and reimbursements, and three lines needing a human.

Every settlement, already split.

Gross, processing fees and refunds land as separate lines against the same Wise settlement, each on its own account.The bank line that arrives two days later matches without anyone touching it.

Before you start

What you need, and what it will not do.

You need a Wise account with owner or administrator access and a Finly plan that includes bank feeds, which means Core and above.One Wise account maps to one Finly entity, so a group running several entities connects each one separately —that separation is also what keeps the fee accounts apart at the close.Nothing is installed, and the key never leaves Finly.

Two things it deliberately will not do.It will not move money:Finly reads Wise and never initiates a payout, a refund or a transfer, so a bad sync cannot cost you anything.And it will not rewrite history —activity that settled before you connected stays exactly as it is unless you ask for the ninety-day backfill, which is a separate run and a reversible one.

Stripe

Payouts split into gross, fees and refunds.

PayPal

Payouts and fees, split the same way.

Square

Terminal takings, coded as they clear.

Mercury

Bank feed and card spend on one line.

Get started

Stop closing the month in arrears.

Book a 30-minute demo and we'll run your own last month through a sandbox, so you can see the close before you commit to anything.