MENU

FinancesOnline

GET LISTED
GET LISTED
SHOW ALLPOPULAR CATEGORIES

Price

fee-based

Logo of Payability
Logo of Payability

Payability REVIEW

eCommerce Software

No user reviews
USER SATISFACTION 95%
OUR SCORE 8.6

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

Position of Payability in our main categories:

50

Payability is one of the top 50 eCommerce Software products

50

Payability is one of the 50
eCommerce Software products


If you are considering Payability it might also be sensible to examine other subcategories of Best eCommerce Software listed in our database of SaaS software reviews.

Since each company has particular business wants, it is advisable for them to refrain from searching for a one-size-fits-all faultless software system. Needless to say, it would be useless to try to find such a platform even among popular software solutions. The clever thing to do would be to jot down the various essential elements that require consideration such as key features, budget, skill levels of staff members, company size etc. Then, you should do your research thoroughly. Read some Payability reviews and look into each of the other apps in your shortlist in detail. Such exhaustive groundwork can make certain you weed out ill-fitting applications and choose the app that offers all the features you need for business success.

How Much Does Payability Cost?

Payability Pricing Plans:

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

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.

POSITIVE SOCIAL MENTIONS

36

NEGATIVE SOCIAL MENTIONS

1

Video

Technical details

Devices Supported
  • Windows
  • Mac
  • Web-based
Language Support
  • English
Pricing Model
  • Quote-based
Customer Types
  • Small Business
  • Large Enterprises
  • Medium Business
Deployment
  • Cloud Hosted

What Support Does This Vendor Offer?

  • EMAIL
  • PHONE
  • LIVE SUPPORT
  • TRAINING
  • TICKETS

What are Payability pricing details?

Payability Pricing Plans:

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

User reviews


No reviews yet

0
0
0
0
0

Average Rating:

Write your own review of this product

Add a review

Thank you for submitting your review!

In order to ensure high-quality of our reviews we'll have to verify your email address. Please insert your email address below.

Thank you!

A verification email has been sent to the address you provided. Please click on the link in that email to finalize your review submission.

Page last modified

Share
Tweet
+1
Share