PayabilityReviews of payability.com

It's very evident Payability cares about its customers, excellent company all around.

The up front money has helped my business grow tremendously.

I have recommended to other seller

Excellent! Loving it!

Have had a great experience with Payability. Has helped our new business grow. Would recommend to anyone.

Having our cash available the next day has helped us not only to increase our sales by being in a better negotiating position at the time of the purchase but it has helped us taking advantage of “closeout” sales, “last minute” deals and “volume discounts”

Best thing I ever did for my business was sign up for Payability. I highly recommend signing up!!!!!!!!!

I cannot in good faith recommend Payability to any Amazon seller (esp new sellers). Registering for Payability and getting approval was simple, and easy. I had no initial problems with disbursements until Amazon suspended my account for a false buyer claim of an inauthentic item. After submitted an appeal to Amazon along with invoices, Amazon was slow to reinstate my account. After a few weeks, Amazon finally reinstated my account. Afterward, I received a notice from Amazon stating that Payability had placed a UCC lien against my account 3 days after suspension and no disbursements would be made from Amazon until the lien holder removed the lien. That means NO transfers from my account until Payability says they are satisfied. When I contacted the lien holder that Payability assigned, they failed to respond to me for several days. When I contacted Payability they listed an amount that was 1k less than what the lien holder wanted from me. The lien holder provided the Notice of Assignment, which states that I owe the original amount that the lien holder requested. The only way to dispute this amount they claim I owe is to contact a lawyer and hire an accountant to personally review my history with Payability. Meanwhile, the lien remains, which means I can no longer receive payments from Amazon. One of the mistakes I made was obtaining their "Instant Advance" loan. Payability will not remove the lien on my account until the full remaining balance is paid back. This money was used to purchase inventory. The only solace I have right now is that I didn't take out a 25k or 50k loan. My business has been crippled by this lien because I failed to properly do my research about Payability and now I am paying dearly for it. This is one of the worst business decisions I have ever made. Payability now refers me to their lien holder, yet the lien holder won't respond to my calls or emails. Keep in mind, that if you are new to Amazon, there is a good chance you will eventually be suspended. Whether that is due to a mistake you made or false claims against your products. It's bound to happen, but only having to worry about a review from Amazon is better than worrying about a lien against the funds in your account. When you sign up for Payability, you are giving them access to your account. Please do your research! Update 11/9: I was finally able to have the lien removed from my account one month after Amazon reinstated my seller account. One of the girls from their customer service department was able to request the lien be removed early since my payment was in transit to Payability. Unfortunately, like so many things in life, everything comes at a cost. Payability then deducted more money from the payment they received from Amazon. I had already believed that there was a balance discrepancy of around 4k. I am now left with 100 dollars that Payability said is owed to me. THEY CAN KEEP IT! I do not want anything further to do with this company. Also, the company would not provide me with the bank account number that was on Amazon account, until they were repaid. This made it impossible to repay my loan with Amazon, which continued to collect interest and may have jeopardized any future offers from Amazon Lending. Interest also continued to occur on my Instant Avance Loan I had with Payability. The blance I owed increased by around 500.00 dollars in less than 15 days. Again, I can't stress this enough! DO YOUR RESEARCH. Make sure you have an accountant in place to protect you and the money you work hard for. Follow-up to their reply: I'm sorry, but there is no point in emailing your company. I've been emailing back and forth with support@payability for over two months now and the balance issue was never resolved. There was no one to talk to "one-on-one" about the balance discrepancy. I've dealt with 3 separate Customer Service Reps. My association with your company came at a high price, and ultimately, I lost a lot of money.