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Money & Insurance

Payability

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103 reviews

4.6103 reviews
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About Payability

Data updated
Website
www.payability.com
Category
Money & Insurance
Location
United States
Status
Unclaimed
Last 12 months
5 reviews
Replies to negative
70% (7/10)
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646-494-8675[email protected]www.payability.com

About this business

Payability provides fast, flexible funding to online sellers based on their marketplace sales history. We help businesses grow faster by providing the capital they need to buy larger inventory purchases, spend big on advertising, and operate their business. We also offer accelerated next-day payouts to sellers using marketplaces like Amazon that usually take weeks to pay sellers. So far, we've provided over $3 billion to eCommerce entrepreneurs. As we continue to grow as a company, we're focused on expanding to new marketplaces and offering a larger variety of flexible funding products.

Is Payability legit?

Payability (www.payability.com) has a 4.6 out of 5 rating on OK.one, based on 103 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 90% rating it 4 stars or higher; The business has replied to 70% of negative reviews; 5 of them were added in the last 12 months. Last updated 2026-09-01.

What people say

Adrian VignoloVenezuela · 4 reviews · Experienced 2024-10-15 ·

So many bad reviews and critics…

I am taking a course for Amazon Seller and have had the opportunity to hear many experiences about issues and solutions and noticed that many of the critics of users were related to their bad experiences with Payability because of hidden conditions and high fees. They all pointed that the fees were even charged directly from your Amazon account and sometimes the charge was even higher than what you were suppose to pay back. I hope nobody takes the risk with them.

Reply from Payability2024-10-23

Hi Adrian, Thank you for your feedback. We want to clarify that the experiences you mentioned do not reflect our practices. It’s important to note that you are not a Payability customer, and have never had an account with us, so we’d like to correct some misconceptions: No Hidden Fees: All of our fees and terms are fully transparent and clearly communicated from the start. There is a simple and completely optional transfer fee. That is the only fee we may charge. No Amazon Account Deductions: We never charge fees directly from Amazon accounts. All payments are processed through the Payability platform. If you have any questions or would like to learn more, feel free to reach out. We're always happy to help clarify. Megan Nelson Director Of Customer Experience [email protected]

A
AaronUnited States · 1 review · Experienced 2024-09-11 ·

Great Customer Service, Good Product Service

First of all, Chris was awesome to work with. Great customer service and very helpful. Our company previously used Payability when the fees were based on gross sales and had a negative experience with this. But it appears Payability has worked the kinks out with that. They now only take a fee on your net payout, and only when you take a payout. This is a huge improvement. We didn’t get the starting rate that we were hoping to get, but were told that with time we can review our account to get closer to our target fee. We’ll be happy to revise our review if we’re able to make progress by way of our fee for our payouts, but otherwise great experience. It seems like Payability has taken into account some of the previous problems related to the overall fee being taken out, and has worked to resolve that. Will make sure to update as we re-do our membership with Payability, but so far so good. And again, very happy with the customer service provided by Chris.

Drea RoseUnited States · 2 reviews · Experienced 2024-04-12 ·

They ask for intrusive information and…

They ask for intrusive information and string you along like they’re going to approve you, then at the very end tell you, no sorry you have to be 50% fba in order to use our services. Don’t you think that would be one of the first things they ask from you if it’s that much of a deal breaker? Thanks for wasting my time.

Reply from Payability2024-04-26

Hi Drea, We regret any inconvenience experienced during the application process. Our priority is to ensure a seamless experience by providing clear and transparent information. Please understand that we require your marketplace information to assess your eligibility for financing, as we do not conduct credit checks. This information allows us to accurately determine your suitability for our services. Eligibility may vary based on your fulfillment type, and we can only ascertain this upon reviewing your marketplace details. Should you have any further inquiries or concerns, please don't hesitate to contact me directly at [email protected]. Best, Megan Director of Customer Experience

L
Lee United States · 10 reviews · Experienced 2024-04-07 ·

I think most of the 5 star reviews here…

I think most of the 5 star reviews here are fake or incentivized. The only positive is that once you stop "working" with/for payability, you appreciate every penny you get directly from amazon AND learn to manage your finances on a normal bi-weekly schedule :) I gave it two stars because customer service was nice and worked quickly, but there were way too many stressful issues and the fees are not worth it in the end. They should integrate themselves more into amazon's portal and lower the fees because it's all automated.

Reply from Payability2024-04-16

Hi Lee, Thank you for taking the time to share your feedback with us. I'm sorry to hear about the challenges you've experienced and appreciate your honest insights. We're always striving to improve our services, and your feedback helps us understand areas where we can enhance the customer experience. While we aim to provide valuable solutions to our clients, we understand that our services may not be the best fit for everyone. I'm glad to hear that you found our customer service team helpful and responsive. We're committed to providing excellent support to all our clients, and I'm pleased to hear that we met your expectations in this regard. I was unable to find any active account for you but would love the opportunity to speak with you and make things right! You can contact me directly at [email protected] and I will personally work to make sure you leave with a better experience. Talk soon! Megan Director of Customer Experience

Neil CharlesUnited States · 1 review · Experienced 2024-02-18 ·

Saved my Business Now I can Scale

I wanted to keep my business running without waiting for a payment from amazon. I got connected with Ryan. He took care of me. We did a scheduled zoom call and everything was handled and all questions were answered. I got funded within that day once everything was checked out. I will recommend Payability anytime.

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