PayabilityReviews of payability.com

I waited until our account was fully paid, closed, and Payability’s UCC termination was officially recorded before writing this review. I was the person who signed the agreement for our company. We joined because our Amazon business was generating sales and Payability marketed faster access to those earnings for a percentage fee. That led us to expect a simple cycle: Amazon owes us money from completed sales, Payability advances part of it, Amazon settles, Payability recovers the advance plus its fee, we receive the remainder, and the transaction closes. That is not how we experienced the mechanics. Payability operates through a rolling receivables structure. Amazon payments reconcile previous advances while newer sales can generate additional receivables and advances. Instead of each Amazon settlement bringing everything cleanly back to zero, the relationship can keep rolling forward. We called it the hamster wheel. After a settlement reduced the outstanding position, the easiest way to restore cash flow was another advance. But that advance also created the next obligation. The money felt immediate; the obligation behind it kept moving into the future. My husband comes from a casino-business background and has spent years working with percentages, payouts, margins, reconciliations and cash flow. Numbers were not the problem. The problem was obtaining all the information necessary to understand what the numbers actually represented. We read the agreement and explanatory material, and we asked questions repeatedly. Key pieces became clear only over time: how the reserve related to the Marketplace Balance, how advances were generated against receivables, how Amazon settlements applied to previous advances, how newer sales affected what became available, and what this meant when trying to exit. Once we had all the pieces, the numbers reconciled. I am not alleging that money disappeared or that their arithmetic was fraudulent. My criticism is that we should not have needed to reverse-engineer the product after signing to understand its complete economic effect. The math wasn’t difficult. Getting the complete picture was. Had we been shown one complete Amazon settlement cycle before signing — balance, advance, reserve, fees, Amazon payment, seller proceeds, new sales and exact ending obligation — we would have understood immediately. And we would not have signed up. Getting out was also frustrating. By the end, we simply wanted the account at ZERO. Our final reconciliation showed $23,077.25 Cash Out, $1,260.31 in fees, $18,419.24 in Marketplace Payments Received, and $5,918.32 remaining. Amazon then sent $4,869.45, leaving an exact final payoff of $1,048.87, which we wired. While working toward payoff, we watched the fee figure increase by another $33.75. After everything required to reach zero, it felt like being milked to the last drop. I will give Payability credit for the end. Once the final payoff was received, they did what they said: closed our account early, stopped the advances, disconnected the Amazon integration and provided the UCC termination. The UCC3 termination was recorded in Florida’s public registry. So I am not claiming they refused to close our account or terminate their UCC. They did both. If you are an Amazon seller considering Payability, ask them to show you the entire cycle in dollars before you sign: what happens at settlement, what rolls forward, and exactly what you would owe if you wanted the relationship completely finished that day. Had Payability explained these mechanics clearly from Day 1, we would not have entered the agreement. It was not just us: both ChatGPT and Claude analyzed the numbers, and neither could fully reconcile the system until Payability supplied explanations piece by piece. Our account is paid in full, closed, and the UCC terminated. We would not use Payability again.

Ryan never showed up for our phone call. I'm glad though, because it gave me a chance to read a little more about how hard it is to cancel your account because there's no one to get a hold of. Seems to be true, even when you're a prospective customer, you can't get anyone on the phone - you have to request contact through their website contact us form. I also read more about customer experiences with Payability's true costs overall and I don't think that's something I'm interested in.

SCAM ALERT – Overcharged, Ignored, and Now They’ve Placed a Lien on My Amazon Account 0 stars ☆☆☆☆☆ I am an accountant with a degree in accounting and 20+ years of experience — numbers are literally my profession. That is exactly why I caught Payability red-handed. In just two short months with this company, their records showed I had more sales than I had generated all year. Inflated numbers. Fabricated figures. Why? To justify overcharging me and taking money I never owed them. When I confronted them, they actually admitted there were discrepancies in my account — then had the nerve to blame it on a backend coding glitch “unique to my account.” Right. A glitch that just happened to result in me being overcharged. Numbers don’t lie. People do. I requested a reconciliation call four times. All four were canceled by Payability. Every excuse was more insulting than the last. I was then completely ignored for over a month — while my money was being held and my bills were piling up. I finally sent a formal cancellation letter detailing exactly what had happened. Interestingly, they waived the required 30-day notice without hesitation — because they knew they were in the wrong. Now, months later, they have placed a lien on my Amazon account for $1,700 — money my own records show they owe me. I have been calling, emailing, and leaving voicemails for three straight weeks. Complete silence. This company is not just poorly run — they are financially dangerous. They have made it impossible for me to pay my bills. The records they kept were so inaccurate and fraudulent that my child could have done a more honest job. Do NOT sign up with Payability. If they contact you — run. There are legitimate funding companies out there. This is not one of them. They will inflate your numbers, drain your account, and go silent when you try to fight back. I am actively pursuing every avenue available to resolve this — and I will not stop until this is made right. I want to be clear — I am not someone who writes bad reviews. This is long overdue and I have exhausted every private option available to me before coming here. And I’ll tell you exactly what’s going to happen next: someone from Payability — likely Megan or Nicole, the same two who have been ducking and dodging me for months — will respond to this review before they ever return a single one of my emails or voicemails. They’ll post something polished, flip the script, and try to protect whatever image they have left. Don’t believe it. It’s a performance. Don’t take my word for it — scroll through the other 1-star reviews right here on Trustpilot. You will find a disturbing and consistent pattern: inflated numbers, broken promises, ignored calls, and UCC liens placed on Amazon accounts even after accounts are fully settled. Another reviewer on this very page mentions Nicole by name — the same Nicole who has been dodging me. And Megan Nelson, Director of Customer Experience, somehow finds time to respond to public reviews yet cannot return my calls or emails after three weeks of attempts. This is not a series of isolated incidents. This is how they operate. Do a simple Google search on Payability. What you’ll find is alarming. They put on a good show… if you’re into fiction. Do not sign up with this company. If they call you, RUN.

FEES are way too high and they will keep calling and harassing you.

I paid off the advance in full, but two years later the UCC filing still hasn’t been removed. Keeping a satisfied UCC in place this long should be a crime.

I was cold called by a Payability sales rep trying to get our business. After some basic questions, it became apparent he was lying to me as he was trying to lead me to believe he was already working with our developers to get set up. Shame on Amazon for giving our info to Payability in the first place and shame on their sales team for their dishonest practices. I'm out.

Received a cold call from them on 3/21 at 1pm pacific. The guy lies and says he's calling from "Amazon Store". I said who? He THEN tells the truth and says he's calling from Payability. I immediately said remove my number. He continues to give his pitch. I repeated to remove my number. He still continues to ignore what I said. Then I got mean, and he retorts with "I'm sorry, it's just that usually businesses prefer to get paid earlier for free".... I said great, don't care, REMOVE MY NUMBER. FYI, this service is NOT free. This is a lie. If he would've just respected my wish to remove my number the FIRST time I asked I wouldn't be here writing this review. Might wanna rethink your strategy.

Horrible company have really bad customer service they do not Communicate or talk to you when things go off the rails they will not even give you a phone call I asked a legit over thirty times for a call sill As of this review have not received one I was respectful asking the first 10 Times i asked but the next 20 times I was not as respectful as you could tell I was very frustrated One of the payments was missed because let me quote a lady named Nicole said that she would make sure the money came into my account at 6:00 o'clock every day well that promise wasn't delivered so one of the transactions I had with payability taking their money bounced I don't blame Nicole it doesn't seem like they have a lot of people up there working to begin with which is probably why it didn't get done but since it didn't get done they wasn't able to take their money without it bouncing I could have added money in there from my personal savings account so they could have took their money on time but they never had the decency to give me a call so I never was able to correct it And I was very unsure of how to handle the situation because no one was communicating with me through a phone call which made me very leery about the whole situation considering they wouldn't just call me which is a little weird because I owe them around $85,000 you would think because I owe them that much they wouldn't drag their feet but they did and they will probably do the same to you And then they will put a lien against your account for almost two months and you will get no money from it do not use this it will really hurt your business for about 2 months When they mess up