PayabilityReviews of payability.com

I love Payability, and it's so awesome to be able to get daily payments. If I request the payment to be made before 12:00 PM, I usually get the deposit in my bank account around 9:00 PM that same day. I didn't even know ACH could happen that fast. The service is fantastic. I always get fast responses from my account manager, Brent, and he's very knowledgeable about the entire process. Signup took a few days, and he was with me every step of the way. It's only been a week or so, but I can already see my business scaling to new heights because of the instant access to my funds. I've had my first $10k month this month! I love Payability.

I found it very frustrating selling on Amazon and only getting paid for those sales every two weeks. That was my biggest single obstacle in growing my business. Payability solves that problem. It was super easy to get started, and I haven't had any issues. Their staff is very helpful and professional. Yes there is a fee (obviously) but trust me, you need this.

Yes the costs are worth it. Yes the transition is seamless. Yes they have great customer service. Yes the deposits transfer same day you request. Yes Your business will Thank you.

When I was considering using Payability's services, I searched online for reviews so I thought I would share mine to help others make an informed decision. I gave the service a 5 star rating because in just 2 months, I've been able to grow my monthly sales from $1,500 to $6,800. I've done this previously without the help of Payability, however it took me a much longer period of time to see this kind of growth in my own. Life got in the way and I had to start over. Payability has helped me to greatly accelerate what I would have done eventually, and I am very grateful. I thought the fee was a little high for a smaller seller, but to be 100% honest, it hasn't been an issue at all and very soon I expect to be in the bracket where I only pay 1% instead of the flat rate fee. I had an issue with my account, one that I accept full responsibility for. It took some time to get it resolved. It was frustrating but as I said, it was my fault so I couldn't be too upset. And I was still able to withdraw payment a few times while it was being resolved. Overall I am extremely happy with the service....being able to get paid almost every day rather than every 2 weeks has been crucial to increasing my sales volume, and their customer service has been excellent. There is a chat feature, a support ticket feature, and I even spoke to Nina on the telephone. Keep up the great work guys!! Samantha

A great company to work with, great customer service

So far I've been using Payability service for a month now and I'm definitely enjoying my frequent cash flow that I'm able to request and deposit into my bank account daily vs every two weeks! It allows me the ability to make more purchases on items I source and sell. They also have excellent customer support as well, they are quick with answering all my questions in a timely manner. Check them out, they just might be the financial relief answer to your online business needs?

I'd like to share my experience as it may help you decide if you want to move forward. Unlike most Amazon stores, I keep very little inventory on hand. Instead, I list the inventory my supplier has on hand (over 24,000 items) via their inventory feed and as it sells daily, I am able to make purchase orders with my suppliers to be shipped to be the next day. I then ship the items out to the customers. This allows me to have almost no risk in buying inventory that won't sell. Because of my business model, and increased sales, my working capital was thinning. You know if for some fluke I then have 4 to 5 times the sales I did the previous payout, was causing me to dish out the money from my pocket and pay myself back. Payability allowed me to cash in the $$ I had already accumulated for a small fee. Yes, there is a reserve, but and a fee. The reserve is lifted once the disbursement is made. And with the fee, they offer options to earn 2% cash back. Overall this helped me stretch cash flow and grow my business at an even faster rate than it was growing before. The sales team is very nice and fast to answer questions.

I can't heap enough praise on Payability or the service they offer! We signed on like 6 weeks ago and last night my wife and I realized that neither one of us knew when our next Amazon payday was because for the last 6 weeks EVERY DAY has been payday! LOL! If you're an Amazon seller, you know what it's like only getting your sales money released to you twice a month. Payability puts an end to that! With Payability, you get access to 80% of your Amazon sales money right away and 20% on your usual Amazon 'payday'. The remaining 1% is paid to Payability as a one-time fee. The application process is a bit much to take in. If you're an untrusting person, you might be swayed by posts made by other people telling you to 'stay away'! I saw several posts dismissing Payability as a 'payday loan' or predatory lender of some sort. I'm assuming those are the same folks that scoff at everything or they just didn't even LOOK at the details. There is no 'lending' going on here. Here's how it works. Let's say 1. You do 1000 in sales on Amazon on Monday. 2. On tuesday morning, Payability logs into your Amazon account and downloads your sales. 80% of those monies are IMMEDIATELY available to you in your Payability account. The other 20% are held in reserve. You can initiate a transfer of the 800 available dollars right away. If you initiate that transfer by 3:30pm eastern, it will likely be in your bank by the NEXT DAY. The remaining 200 dollars of your sales for monday are placed into your 'reserve account' at Payability. 3. On Tuesday, you do 2000 dollars in sales on Amazon. So Wednesday morning (around 9am) Payability logs into your account, records your sales, places 1600 dollars into your 'available funds' account and another 400 dollars into your reserve account (which is now at 600 dollars). And so on, and so on, and so on. There are a few things that have to happen for this business model to work. You are going to have to create a user (a SUPER USER actually) for Payability in your Amazon account. You will need to give them FULL ACCESS to your Amazon account. They need this for several reasons. They need to be able to log in and see your sales numbers for one thing. How can they buy your receivables if they don't know how much you have in receivables? Also, you will need to set the bank account information at Amazon to reflect Payability's bank. Amazon will no longer be making payments to YOUR bank. Honestly, yeah, I was a little hesitant at first. But I took the plunge and I'm glad I did. It's a small company. Their support has been infinitely friendly and patient, and most importantly, when we crunched the numbers this week, they all seemed to be dead-on. The only difference was that we had access to our money the whole time. Well that, and the fact that our Amazon payday is now able to sneak up on us instead of us waiting for it!