Minh L.
Honestly
Honestly, if you either: ⁃ Have access to bank loans & credit cards, or ⁃ Sell low volume/low demand products or ⁃ Are not too cash-strapped Then you probably don’t need to use Payability. But I was a college student, neither a Resident nor Citizen of the US (so no credit cards & loans for me). I could potentially sell 100k+/month but apparently didn’t have a lot of cash on hand. Payability welcomed me with open arms. My initial rates were 3% (for international sellers), down to 2% once I did 100k+/mo, and then down to 1.25% with Loyalty Rewards. I would say every program they launched was spot-on! My account manager, Eric, was professional, friendly, understanding & respectful. They gave me a 2% Cash-Back-on-all-purchase Visa was also a godsend for me. The only downside I can think of is that my bookkeeper wasn’t fond of the reporting system. But in the end, it was worth it! I'm incredibly grateful that this service exists to help out sellers.