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Payability Review

Payability
Our score: 8.6 User satisfaction: 95%

What is Payability?

Payability is a New York-based financing firm offering cash flow solutions for eCommerce sellers. They are able to create fast and simple financial solutions that help sellers address cash flow gaps and erratic amounts of working capital.

Payability offers an expertly engineered application that lets Amazon sellers get next-day access to their Amazon earnings, so they won’t need to wait weeks for their cash. Fully scalable and easy-to-use, this solution allows businesses to replenish their inventory faster, avoid stockouts, and stay longer in the Buy Box.

They service a wide range of businesses, from Amazon sellers doing $2000/month to over $1 million/month. A reduced pricing is available for sellers doing $50,000 or more a month in gross sales not $100,000+. 

Overview of Payability Benefits

Payability is a modern-day financing solution that enables quick access to earnings for eCommerce sellers on Amazon and other online marketplaces. Great for small firms and large corporations alike, this program will help you get a steady cash flow to fund your business more efficiently. Among the benefits you can reap by using this application are:

Speedy Transactions

Payability transfers your earnings via Same- Day ACH or Wire. This means you can skip the 14-day payment delays and get access to your earnings on a daily basis. Through this, you can pay suppliers faster and even get discounts from wholesale purchases, helping you lower costs and increase margins.

For your peace of mind, Payability has a fast approval process that is based on your Amazon account health rather than credit. This sets it apart from term loans and financing options that require plenty of documents and a lengthy verification process.

Scalable Cash Flow

Taking advantage of big opportunities and keeping your inventory fully stocked at all times can be difficult if you have erratic income. This is why Payability lets you get hold of your earnings daily to help you scale your cash flow. They gives you access to your income in real-time, helping you get a consistent financing source that scales at the speed of your business. With faster access to cash, you can make investments as opportunities arrive and buy inventory at optimal times.

Risk-Free Financing

Filing for traditional loans and relying on credit cards can be risky. These can easily bury you in debt if your business is unable to make enough money to pay for the expenditures. By using Payability with your eCommerce business, you will be able to fund your business using your own money instead of someone else’s.

Continuous Growth

Having products on-hand at all times can significantly speed up your lead times and keep you in the Buy Box. However, with Amazon’s 14-day delays on payouts, it can be difficult to keep your inventory full. To make sure that you always have enough money to fund your business, Payability makes your income more predictable by making your earnings available for use every day.  

Overview of Payability Features

  • Daily Online Payments
  • Direct Fund Transfers to Bank
  • Payability Mastercard
  • Quick Access to Cash
  • Account Health Review

What Problems Will Payability Solve?

Scaling Your Business Quickly

Small to medium sized sellers with limited access to financing need daily cash flow on an ongoing basis to keep inventory in stock, avoid stockouts and scale their businesses faster than they would with bi-weekly payments.

Taking Advantage of Big Opportunities

Sellers use Payability to get the fast cash they need take advantage of seasonality or other big opportunities such as Prime Day, Q4 or a chance to stock up on lots of inventory at a low cost. It’s faster, simpler and free from the risk involved with other financing solutions such as term loans and credit cards.

Shortening Lead Times

Wholesale and private label sellers who order large amounts of inventory from China use daily cash flow to shorten lead times and cut deals with suppliers. When you only have one or two products, getting paid every two weeks or so might work. But, once you start adding more and more products, you find yourself having to pay different people at different times.

With daily payments sellers always have the cash they need to purchase inventory when they need it. If they need to wait another week or two to get paid and purchase inventory, they could lose their spot in the line and have to wait even longer to get new inventory which could result in a stockout or missing out on a seasonal opportunity such as Q4 altogether.

Having cash gives sellers bargaining power. By volunteering to pay suppliers right away, sellers are able to cut deals with their suppliers for free shipping, 10% off, etc.

Payability Position In Our Categories

Knowing that businesses have unique business-related demands, it is practical that they avoid picking an all-encompassing, ”best” business application. Still, it would be futile to try to stumble on such an app even among sought-after software systems. The clever thing to do is to narrow down the different key factors which demand scrutiny including key features, price terms, skill competence of staff members, organizational size, etc. Thereafter, you must do your product research systematically. Read some Payability evaluations and explore the other software programs in your list in detail. Such comprehensive product research guarantee you take out unfit software solutions and subscribe to the system which meets all the aspects you require company requires to achieve growth.

Position of Payability in our main categories:

TOP 100

Payability is one of the top 100 eCommerce Software products

If you are considering Payability it could also be a good idea to investigate other subcategories of eCommerce Software listed in our base of SaaS software reviews.

Since each enterprise has unique business wants, it is advisable for them to refrain from searching for a one-size-fits-all ideal software application. Needless to say, it would be pointless to try to find such a platform even among market-leading software applications. The intelligent thing to do would be to jot down the various vital aspects that need consideration such as key features, budget, skill levels of employees, company size etc. Then, you should do your groundwork thoroughly. Read some Payability eCommerce Software reviews and check out each of the other solutions in your shortlist in detail. Such exhaustive homework can make sure you reject ill-fitting systems and choose the app that presents all the aspects you need for business success.

How Much Does Payability Cost?

Payability Pricing Plans:

Free Trial

Payability

Flat fee of 2% from your Amazon sales

Payability does not offer any pricing plans. Instead, they charge a flat fee of 2% from your Amazon sales. It is not assessed as an interest rate and there are no origination fees or application fees. They will simply advance 80% of your Amazon payout every day, with their fee already deducted, and the remaining 20% will be given on the typical Amazon payout schedule.

However, they require that you sell at least $2000 monthly and have over 90 days of selling history on Amazon before you apply.

For large enterprises earning over $100,000 a month, Payability offers special rates that are available by-quote.

User Satisfaction

Positive Social Media Mentions 36
Negative Social Media Mentions 1

We realize that when you make a decision to buy eCommerce Software it’s important not only to see how experts evaluate it in their reviews, but also to find out if the real people and companies that buy it are actually satisfied with the product. That’s why we’ve created our behavior-based Customer Satisfaction Algorithm™ that gathers customer reviews, comments and Payability reviews across a wide range of social media sites. The data is then presented in an easy to digest form showing how many people had positive and negative experience with Payability. With that information at hand you should be equipped to make an informed buying decision that you won’t regret.

Video

Technical details

Devices Supported

  • Windows
  • Mac
  • Web-based

Deployment

  • Cloud Hosted

Language Support

  • English

Pricing Model

  • Quote-based

Customer Types

  • Small Business
  • Large Enterprises
  • Medium Business

What Support Does This Vendor Offer?

  • email
  • phone
  • live support
  • training
  • tickets

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What are Payability pricing details?

Payability Pricing Plans:

Free Trial

Payability

Flat fee of 2% from your Amazon sales

Payability does not offer any pricing plans. Instead, they charge a flat fee of 2% from your Amazon sales. It is not assessed as an interest rate and there are no origination fees or application fees. They will simply advance 80% of your Amazon payout every day, with their fee already deducted, and the remaining 20% will be given on the typical Amazon payout schedule.

However, they require that you sell at least $2000 monthly and have over 90 days of selling history on Amazon before you apply.

For large enterprises earning over $100,000 a month, Payability offers special rates that are available by-quote.

What integrations are available for Payability?

  • Amazon.com
  • Tophatter
  • Shopify
  • Walmart
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Reviewed By Louie Andre
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