"Really recommend Ryan"

Really recommend Ryan. I would not use this service without him. He's always happy to help when I'm in need.

"Ryan gives an amazing service!"

Ryan gives an amazing service
Agile & fast
Recommended 100%

"Excellent service!"

Excellent service!

"Ryan helped me through the whole…"

Ryan helped me through the whole process and has been absolutely legendary in dealing with any of my requests and questions. Its a great platform and has helped me hugely.

"Death By A Thousand Cuts"

After a little over a year, my time with this company has come to an end. I will be going into further detail but the short of it is, the juice is simply not worth the squeeze. Firstly, I would strongly recommend everyone to treat this company as a last resort option. They have a demand in this market and are successful for a reason but DO NOT use this company as a first choice when it comes to seeking working capital.

I started with Payability in January of 2022. Initially, the pitch seemed great, I was offered a discounted rate of approximately ~1.7% in fees for daily drafts. At the time, this seemed like a small price to pay to not have to wait for Amazon's Bi-weekly payout. Before Payability, I was able to account for my finances 100%, I knew all the logistics that would determine how much I would have available when Amazon paid out. Once I started working with Payability, I lost all confidence in knowing how much I was actually working with on any given day. To the credit of their customer service team, they tried to explain my daily balances to me but after a year of trying, I never once had a good grasp of understanding why my daily balances never seemed to add up with what I expected it to be. This made budgeting difficult since I couldn't confidently account for how much I would have available the next day or even after Amazon paid out.

It wasn't until my personal financial advisor asked me about the benefit of Payability that I started to question their services. He showed me that they had taken over $28,000+ in that first year. Again, credit to Payability, that number was easily viewable if you know where to look. It's not like they tried to hide the fee amount but I just couldn't understand how 1.7% totaled to $28,000+. Especially since this company is essentially only floating you money for 2 weeks at a time before being paid back ~70-80% of what you owe.

I experienced hardship during this past year due to a legal battle with another seller and had to resort to pulling shark loans essentially to survive. The 3 loans I took out combined for a total of $30,000 in just interest alone. That's fine, I understood the cost before signing the contract. What I wasn't expecting was for Payability to be essentially the same amount in fees as all 3 of those loans combined and that's what I am realizing with Payability. I won't outright call them a shark loan, I will leave that for you to decide after reading about my experience but it is not a good look that they end up charging you the equivalent of 3 shark loans. ~1.7% may sound nice but it really is death by 1000 cuts, there's a fee here, a fee there, a fee for this then a fee for that, and next thing you know, you've paid out almost $30k in a year if not more depending on your volume.

Lastly, their process for canceling their services all but confirmed my thoughts that they do not care about the success of your company, they really do only care about their bottom line. Without a single reason being given to me, they force you to stay on board with them for 30 days after canceling their service, during which you are still forced to be charged daily for their advance fee. If that's not bad enough, to make matters worse, they also take 100% of Amazon's payouts until they are completely paid off. Up until now they always took 80% and left you 20% but if you decide to cancel, be warned, they will draw 100%, and if you give them anything less they will put a lien on your Amazon account. So you can expect to not get paid from Amazon for at least 30 days while Payability takes their funds, so be prepared to have enough working capital in reserve to survive that time. The final straw was their approach to keep me on board once filing my cancelation notice. This company had the audacity to offer me a plan that would have saved me $21,000. That's actually what they said, it was essentially something like, "Hey before you go, we know you paid $28,000 in fees but if you stay we will offer you this service that basically makes Payability free as long as you don't transfer the funds to your bank account. Had you used this service when you started, you would have saved $21,000, so what you do think? Want to stay?" I really am not exaggerating, that was basically their offer in a nutshell. Now you offer this to me as I'm leaving? Makes you wonder if they would have ever offered that if I didn't cancel. I mean just the blatant disrespect for someone that has been with you for a year is appalling. This company was already bleeding me dry and for them to basically say, hey we know we've been gouging you with this bowie knife but if you stay we'll only use a pocket knife instead. How does that sound?

In conclusion, Payability can help if you're starting out but do not build your business model around them, it is not worth the stress.

Best of luck

"Great service from Payability"

Payability advance payments service was the model i was looking for. I have been a customer for over a year and i am happy and satisfied with the overall service.

"Excelente atención."

Excelente atención por parte del equipo, especialmente por Cristofer, una persona muy amable y abierta para aclarar dudas... Fue un placer conocerlos personalmente... Éxitos y bendiciones...

"I would advise you to avoid this…"

I would advise you to avoid this company. Our experience was very bad. We found their instant access service to be like a bad drug -- it feels good at first -- then it starts to feel bad and you can't really understand what's going on and why it costs so much -- and when you finally try to quit it hurts a lot. Do yourself a favor and find another way to survive a few weeks until you get your payout.
Edit: I was contacted by their management and received some encouraging responses and I now believe they really are trying to improve the service and communications. So perhaps it will get better in the future. There was huge gap between our expectations and what happened -- maybe they can improve that.

"Thank you Payability to make my life…"

Thank you Payability to make my life much more easy .

"Highly Recommended Service"

Payability is great to work with and has really helped me with my online selling business. It is so great to get the daily money payouts each day from Payability and it takes the stress out of waiting for payments to arrive every 2 weeks. Just read over your contract well and there should be no hidden surprises. Payability has been very quick and responsive by email to answer any questions I have had . Matthew Chick has been awesome and answered every question I have had. Highly recommend using Payability .