About Payability
Payability is a financial software platform from Payability, Inc [designed to support businesses with cash flow management]. It provides access to funding, risk assessment, and payout solutions so businesses can maintain operational liquidity. With features tailored for e-commerce sellers, Payability allows users to receive daily payments on sales, manage their cash flow easily, and gain insights into their financial health. Through its advanced risk evaluation process, businesses can ensure they receive funding tailored to their needs. Key capabilities: daily payouts risk assessment cash flow management marketplace integration reporting dashboard Best for: e-commerce sellers that need to manage cash flow effectively.
Payability is a high-octane "cash flow hack" for serious e-commerce sellers. It effectively deletes the 14-day waiting period imposed by major platforms, allowing merchants to act like much larger companies by constantly reinvesting their capital. While the flat-fee model is more expensive than a traditional bank loan, its zero-credit-check policy and 24-hour funding speed make it an invaluable tool for merchants who value agility over low interest. If your business is scaling rapidly and your biggest bottleneck is "money stuck in Amazon," Payability is a top-tier solution.
Pros & Cons
- +Financial incentives for fast-growing businesses that repay early.
- +Allows sellers to turn over inventory faster
- +The fastest way to get cash from sales
- −Does not yet support every niche or emerging marketplace globally.
- −Requires consistent sales
Features
Key features
- Instant Access (Daily Payouts)
- Bridges the 14-day marketplace delay by paying sellers 80% of their previous day’s sales immediately (the remaining 20% is held for returns/chargebacks).
- Instant Advance (Capital Injection)
- Provides a lump-sum advance of up to $250,000 based on future receivables to help sellers fund large inventory orders or marketing campaigns.
- Payability Seller Visa Card
- A business card that provides 24/7/365 access to earnings, including weekends, with a 2% cash-back incentive on purchases.
- AI-Driven Underwriting
- Uses machine learning to analyze sales history and account health instead of traditional credit checks for approval.
- Multi-Channel Aggregation
- Consolidates sales data from multiple platforms (Amazon, Walmart, Shopify, eBay, Newegg) into one dashboard.
Additional features
- Automated Application
- A 10-minute digital setup requiring no paperwork or pitch decks.
- 24-Hour Approval
- Businesses can be funded within one business day of applying.
- No Credit Checks
- Approvals are based on business performance, not personal credit scores.
- Financing Dashboard
- Real-time visibility into available funds, pending payouts, and repayment status.
- Early Repayment Rebates
- Offers reduced fees for businesses that pay back advances ahead of schedule.
- Revenue Share Program
- Offers for platforms to embed Payability’s funding into their own user experience.
- Automatic Remittance
- Repayments are automatically deducted as a percentage of daily sales.
- Global Transfer Options
- Wire, ACH, or instant transfer to the Seller Card.
- Chargeback Management
- Tracks and manages the 20% hold-back for returns.
- Security & Compliance
- Bank-level encryption and secure API connections to marketplace accounts.
Pricing
Countries & Languages
Available in
Interface languages
Billing currencies
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About Payability
Payability is a financial software platform from Payability, Inc [designed to support businesses with cash flow management]. It provides access to funding, risk assessment, and payout solutions so businesses can maintain operational liquidity. With features tailored for e-commerce sellers, Payability allows users to receive daily payments on sales, manage their cash flow easily, and gain insights into their financial health. Through its advanced risk evaluation process, businesses can ensure they receive funding tailored to their needs. Key capabilities: daily payouts risk assessment cash flow management marketplace integration reporting dashboard Best for: e-commerce sellers that need to manage cash flow effectively.
Payability Details
Payability's In-App Market Place
Does Payability have an in-app market place?
Yes
How many Mini-Apps in the marketplace?
1
Mini Apps
N/A
Pricing Options
Accepted Payment Currencies
USD ($)
Pros & Cons
- Financial incentives for fast-growing businesses that repay early.
- Allows sellers to turn over inventory faster
- The fastest way to get cash from sales
- Does not yet support every niche or emerging marketplace globally.
- Requires consistent sales
Payability's Alternatives
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