Payability Reviews 

I’ve been a Payability customer for a few years. Having access to my Amazon payouts daily has helped my business grow. Recently, my card was compromised and they sent the new card by UPS right away, and refunded the charge within a few days. It’s nice to work with a company that does the right thing by its customers!!

I have obtained for loans through playability now I just absolutely love them easy process great to work with.

The best and fastest loan company I’ve ever heard of and the customer service was AMAZING

Good rates, with cash back it's possible to make the advance nearly free. Customer service is super fast and friendly, only positive experiences to date.

Payability is the best choice for Amazon sellers.
Payability is the only way for sellers to sell on Amazon effectively.
I couldn't imagine doing business on Amazon without payability giving me my money the next day so I can run my business efficiently.
If you are lucky enough to get Megan helping you, she gets things done.

Its great business for cash flow and help to grow up our investments…thanks

Payability works! And it’s easy!

Hi! I'm a 7-figure seller that just stopped working with Payability. Here's why:

They are hiding fees in the fine print. It's obvious once you get onto the platform... they quoted us 1% of revenue with a 10% reserve. If you have anything higher than this you're being ripped off - you can negotiate it down.

But here's the catch... their quotes are NOT accurate and they completely fail to disclose the additional fee I'm about to explain. This fee DOUBLES your "on paper" fee, and you'll never see it until you start working with them. Think you're going to be paying 1.5%? Plan for 3% in reality.

If you're reading this you know what Payability is, so I won't explain it. Basically their is a growing balance of "receivables" that they have purchased that are constantly in your account. For example say that at any given time they are "holding" $40,000 of your receivables. When they purchase these and pay you out they charge you their 1% fee for doing so (or whatever your rate is). Totally fair! But here's the catch.... the "loan period" ends every two weeks. And when the loan period ends your fees are RECALCULATED!

So if you have $10,000 in receivables "factored" (purchased by Payability and paid out to you) they charge you the 1%, then when that amount rolls over (all amounts ALWAYS end up rolling over) you are charged ANOTHER 1%. So you are paying DOUBLE the normal fee.

This additional fee is showed NOWHERE up front, on their site, or in anything besides the fine print of the paperwork. If you aren't looking for it you will never spot it, and that's the point. They're hiding half of the fee that they are charging you and it ends up adding up massively. If you're running a 20% profit margin like us 1% of revenue sounds ok for steady cash flow. But 2% of revenue? That's 10% of our total profit! Do you REALLY need to pay 10% of your total profit just to get money two weeks early? Absolutely not!

And if you want to get off the wheel you have to fork over a FULL MONTH of your revenue just to pay them back the factoring costs. In the long run we can say it is absolutely not worth it. Avoid factoring like it's the plague, and avoid this company especially - I bet in a few years we all read about their deceptive practices in a class action law suit.

If they respond saying this isn't true just think to yourself.... do they have an incentive to lie to you? Check the fine print of your contract for "rebalancing" or any synonyms of that word and you'll know I'm telling the truth.

Edit: By the way we called them out on this!! Their response? NO ONE at their company could explain what was going on. We had to go all the way up to the CFO to get an explanation of what was happening. They DO NOT want this information out there and their sales reps will 100% lie to you to get you to sign up. Don't trust anything they say - read the fine print!

Response to Payability:
Their response to this is hilarious - I wish Trustpilot let me reply. This is a BS workaround that they're using. Their system makes it so that this happens 100% of the time. They absolutely did not disclose this except in the fine print of the contract. I love how they blame it on our account and Amazon though. This company is a shark. They're basically payday loans for ecommerce. Come into this expecting your fees to be 2-3x what they quote and you will be fine. Do not believe a word they say, their PR department is paid to shove this under the rug and hide it from you. If you're going to work with them expect 2-3x fees and you're fine.

Payability works without a hitch to avoid Amazon's payout delays and facilitate efficient cash flow. Funds are transferred promptly. I've been using it for years without incident.

Great company, great people, great service! Great way to increase sales or inventory as small business. Customer service is great and was the same during Covid. I Love Payability!

So far so good! No scams, easy approval, and low weekly payback!

Their account executive that helped me onboard was super helpful. He lead me through some basic process and now I have access to my funds daily instead of waiting every two weeks!

I highly recommend them.

This company is second to none! Their level of professionalism is un-matched by many! I am a new customer and this process has been absolutely seamless!

What an incredible solution to a big problem for e-commerce Bravo Guys!!

Great company! Russ is the best ! Satisfied with cooperation

Very happy with the service and the fast turnaround times.
Highly recommend Payability for any fast-growing ecommerce business.

Payability fee structure is deceptive and fraudulent. After over 9 months of using the service for standard payments (if you research real reviews you will see the payments are not next day or instant), I discovered the actual fees were almost 6% of gross sales on. Many people think it's similar to a regular merchant where they take 2% off the net that is sent but it's actually gross plus hidden fees. The hidden fee structure works like this - Say you have $1000 in sales in 5 days, automatically you are charged 2% on that ($40), next you get 75% of the net sales of that $1000. So if you paid $400 total in shipping fees and amazon fees, you would get 75% of $600 ($450) but before that, Amazon reserve amount is taken into consideration so it is actually even less but here's where the trick is:
When Payability releases the 25% of their reserve from that period of sales you get charged another 2%, when amazon releases funds to Payability, you get charged another 2%, and finally when your reserves are released from amazon, you get charged another 2%.

During my time with them, I had $83,000 in gross sales, netted about $43,000 from Amazon, and Payability took over $4600. So the reality of payability is 5.6% of gross sales and, in my case, over 33% of all profits. Because remember, Amazon paid out $43000 but that hasn't factored in the Cost of Goods Sold.
Google Payability Fees to see their advertised fees and compare it to our case study at sitelead net
This is similar to a payday loan company and they have load of complaints with the BBB and everywhere else. They are just really good and reputation management (and hiding fees)

Edit 2/16/2021: Per Payability's website and listing on Google, their financial services are simple, fixed, and a flat fee. This is simply not true. Here is the exact text from their Google listing and website:

"Payability charges a simple, fixed flat fee typically between 1% and 2% of your gross sales. For example, if you are an Amazon Seller who qualifies for a custom fee of 2%, and your gross sales are $10,000 in a payment period, you will pay a $200 fee to receive daily, next day payouts."

There is no confusion. I have audited over 4,000 transactions from Amazon including everything from canceled orders and returns to charge backs and it doesn't even come close to what they charged me for. Since the entire time I have sold on Amazon, I have never even sold as much in Gross sales as they claimed. Stay far away from this company.

Also, I have not communicated my account information to Trust Pilot until after Payability's response so it's interesting how they would know the exact account this review is connected to.

Brandon Ellison did a great job very friendly explained with ease and was very happy with service and this service is better than PayPal thank you Payability for providing my bussiness capital.5 stars

Don’t let them lie to you they do go off your credit report

Fantastic quick team to help add some $$ to grow our business quickly!