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AI-powered cash flow forecasting and financial management for small businesses, freelancers, and startups.
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About Payability
Payability helps Amazon and Walmart sellers get fast access to their marketplace earnings. Instead of waiting 14 days for payouts, you can receive your sales revenue daily—so you can reinvest, restock inventory, and grow your business faster.
What it does
Payability integrates directly with Amazon Seller Central and Walmart seller accounts. It offers two main products: Instant Daily Payouts (get yesterday's sales deposited each business day) and Capital Advance (a lump sum repaid as a percentage of daily sales). Approval is based on your sales history, not your credit score.
Who it is for
This tool is ideal for Amazon FBA sellers and e-commerce businesses struggling with cash flow due to marketplace payment holds. It's also suitable for new sellers with consistent sales but limited credit history. It is not for businesses outside Amazon or Walmart marketplaces.
Use cases
An Amazon seller waiting 14 days for a $10,000 payout can use Payability to access that money daily, using it to restock best-selling products or launch new inventory. A growing seller can take a Capital Advance to fund a large purchase order without taking on debt.
Key features
- Instant Daily Payouts — Get yesterday's Amazon or Walmart sales deposited to your bank account every business day.
- Capital Advance — Receive a lump sum based on future sales, repaid as a percentage of daily revenue.
- No Credit Check — Underwriting uses your sales history, not personal credit.
- Flat Fee Pricing — Pay a fixed fee per payout or advance; no interest accrual.
- Amazon Seller Central Sync — Automatic real-time data connection.
- Flexible Repayment — Capital advances are repaid through a small daily sales cut, not fixed payments.
- Payability Visa Card — Access your daily earnings instantly for spending the same day.
Payability Pricing
Payability pricing: Free to start · fees vary by product. Billing model: Custom.
Instant Daily Payouts
Free to start. Fees are deducted per payout based on your sales volume. No credit check required.
Capital Advance
Receive a lump sum (up to $5M for established sellers). Fees are a flat percentage of the advance amount; repaid from daily sales. No interest.
Talk to a specialist for exact fees. Optional fees may apply for bank transfers.
Frequently asked questions
Is Payability free to use?
Payability is free to start, but fees vary by product. The daily payout program includes daily fees. Optional fees may apply for services like transferring funds to your bank account.
How does Payability work?
Connect your Amazon or Walmart seller account to Payability. They review your sales history (no credit check), then you can receive daily payouts or a capital advance. Funding is via direct deposit or the Payability Visa Card.
Who is Payability best for?
Payability is best for Amazon FBA and Walmart sellers who need faster access to their earnings for restocking inventory or growth. It's also suitable for new sellers with limited credit history but consistent sales.
What are Payability alternatives?
Alternatives include Amazon Lending, Shopify Capital, and other merchant cash advance services. Payability stands out because it offers daily payouts with no credit check and no interest—just flat fees.
What is Payability's Capital Advance?
The Capital Advance gives you a lump sum based on your future sales, repaid as a percentage of daily revenue. No fixed monthly payments. Advances up to $5M are available for established sellers.
Is Payability a loan?
No. Payability's daily payout program gives you access to your own sales revenue faster. The Capital Advance is not a loan—it's a purchase of future receivables with a flat fee, no interest or compounding.
