Payability
Payability provides accelerated daily payouts and working capital to eCommerce marketplace sellers, advancing 80% of prior-day earnings daily via a proprietary API and ML-driven underwriting. The platform serves 10,000+ Amazon, Walmart, and Newegg sellers and offers a white-label funding product for marketplaces.
- Company typePrivate
- Founded2015
- HeadquartersNew York, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Payability does
Payability, Inc. is a privately held fintech founded in 2015 and headquartered in New York City that provides accelerated daily payouts and working-capital funding to eCommerce marketplace sellers, primarily on Amazon, Walmart, and Newegg. The company purchases receivables from suppliers and advances 80% of the previous day's marketplace payouts daily, eliminating the two-week-plus cash-flow gap imposed by standard marketplace settlement cycles. The core product suite comprises Daily Payouts/Instant Access, Instant Advance, the Payability Visa Prepaid Card (issued by Sutton Bank, powered by Marqeta, with 2% cash back), and Payability for Platforms — a white-label/embedded offering enabling marketplaces and software companies to integrate Payability's funding infrastructure under their own brand (exemplified by Newegg Capital).
The underlying technology is a proprietary Payability System and Payability API that transmits Electronic Earnings Data in real time from marketplaces to Payability Operations and Payability Commercial Factors, LLC (the factor entity), with Plaid handling bank-account authentication. Machine-learning models ingest millions of data points to produce real-time sales predictions and underwriting/risk assessments. The company holds Amazon-approved third-party software partner status and integrates with Walmart and Newegg; SOC 2 Type 1-aligned security controls and MFA underpin trust in handling seller banking credentials.
Payability's revenue model is transaction-based across three streams: Purchasing Commissions on purchased receivables (capped at 8%), daily advance fees for non-Free-Access tiers, and card interchange on the Seller Card. Go-to-market combines product-led self-serve onboarding (sub-30-minute account connection) with an inside-sales team and a 40+ partner ecosystem (Jungle Scout, ChannelAdvisor, PingPong, eComEngine, SellerApp, and others). Customer concentration is at the SMB long-tail level (10,000+ Amazon sellers served), with cumulative funding facilitated exceeding $5–6 billion since inception, $1 billion of which was provided in 2020 alone. Global payouts reach 180 countries in 38 currencies, and the company's corporate family includes Payability, Inc., Payability Operations, LLC, Payability Commercial Factors, LLC, and Payability, LLC.
Payability firmographics
Firmographics- Name
- Payability
- Legal name
- Payability, Inc.
- Website
- https://payability.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Payability provides accelerated daily payouts and working capital to eCommerce marketplace sellers, advancing 80% of prior-day earnings daily via a proprietary API and ML-driven underwriting. The platform serves 10,000+ Amazon, Walmart, and Newegg sellers and offers a white-label funding product for marketplaces.
- Ownership category
- akta.pro rank
Where Payability is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Payability business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Purchasing Commissions: PCF earns purchasing commissions upon purchasing receivables from suppliers. Commissions are calculated as a percentage of the purchase price or fixed dollar amounts based on daily/weekly/monthly earnings volume. Capped at maximum 8% of receivables value. Fees are earned immediately upon purchase of receivables.
- Daily Advance Fees: Daily fees charged for advancing marketplace sales to sellers. Each day advances 80% of previous day's payouts into seller accounts. Fees vary based on account health, sales history, and fulfillment method. Free Access product has 0% APR with no annual fees.
- Seller Card Cash Back: Payability Visa Seller Card offers 2% cash back on purchases, generating interchange revenue from card transactions
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Free Access (Daily Payouts) - 0% APR |
| Transaction based/ take rate | Pay-as-you-go | Purchasing Commission |
| Transaction based/ take rate | Pay-as-you-go | Seller Card - 2% Cash Back |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
Payability product offering
Product offeringCore offering
Payability purchases marketplace receivables from eCommerce sellers and advances 80% of the previous day's payouts daily, with the remaining 20% available once marketplace settlement is received. Sellers access their advanced earnings through the Payability Visa Prepaid Card (issued by Sutton Bank, powered by Marqeta) with 2% cash back, or via free same-day ACH, wire, and instant transfers to 180 countries. The service is targeted at Amazon, Walmart, and Newegg marketplace sellers who face cash flow gaps from multi-week payout cycles.
Product overview
Payability is a FinTech platform providing flexible funding solutions exclusively for eCommerce and marketplace sellers. The core offering consists of Daily Payouts (Instant Access) — an accelerated daily payout program that advances 80% of previous day's marketplace earnings daily — combined with the Seller Card (a Visa prepaid card offering 2% cash back with no annual fees). Together, these products enable sellers to access their Amazon and Walmart earnings immediately rather than waiting weeks. For marketplace platforms and software companies, Payability for Platforms provides white-label funding infrastructure, exemplified by the Newegg Capital partnership.
Differentiator
Problem solved
Functional benefit
Products and services
- Daily Payouts (Instant Access) Accelerated daily payout program that advances 80% of the previous day's marketplace payouts into sellers' Payability accounts every day, with the remaining 20% available once marketplace settlement is received. Free Access tier offers 0% APR with no annual fees. Targets Amazon, Walmart, and Newegg marketplace sellers facing multi-week payout delays.
- Payability Seller Card (Visa Prepaid) Payability Visa Prepaid Card that lets sellers spend their advanced daily earnings immediately. Issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc., and powered by Marqeta. Offers 2% cash back on all purchases with no annual fees.
- Instant Advance Same-day funding option providing immediate access to marketplace earnings for qualified sellers without credit checks.
- Payability for Platforms White-label and embedded funding solution that enables marketplaces, shopping carts, software companies, and fintech companies to provide Payability's receivables financing to their own sellers. Includes machine learning models for real-time sales prediction and underwriting/risk assessment.
- Newegg Capital White-label working capital solution for Newegg marketplace sellers, powered by Payability's technology and delivered within Newegg's platform. Provides tech-enabled seller financing as a live example of the Payability for Platforms offering.
Quantifiable outcome
- 80% of previous day's marketplace payouts available daily
- +3 more outcomes
Companies that use Payability
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles2 records
Payability technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature4 records
Payability partnerships and signals
Strategic signalPartnerships
18 partnerships are on record, tiered core and minor.
- NeweggcoreNewegg Capital partnership launched November 2020 - tech-enabled working capital solution for Newegg marketplace sellers. Payability's technology embedded to provide funding offers within Newegg's user experience.
- LendiominorPartnership with Lendio marketplace for small business loans. Cross-referral relationship for small business financing needs.
- Jungle ScoutminorAmazon seller intelligence and insights provider. Joint marketing to Amazon sellers offering Payability funding alongside Jungle Scout tools.
- Carbon6minorAll-in-one Amazon growth platform with data-powered software for profitability and revenue.
- SellerAppminorML-powered Amazon platform with PRO plan. Code PAYABILITY for 1 month free.
- ZonGuruminorAmazon seller tools designed for business owners.
- GETIDAminorAmazon FBA audit and reimbursement recovery service. First $400 in reimbursements free.
- PingPongminorCross-border payments provider processing $90 billion+ for eCommerce merchants. Serves 750,000+ online sellers.
- OFXminorInternational money transfer service with better exchange rates than banks.
- ForcegetminorFreight transportation from China to FBA fulfillment centers with reduced landed costs.
- Alibaba.comminorWorld's largest wholesale marketplace. $700 off membership plus $250 in marketing credits.
- DeliverrminorUltra-fast fulfillment service enabling 2-day and next-day delivery badges.
- SellozominorAmazon PPC automation with 25% off first month for Payability customers.
- MoreCommerceminorAccess to top-selling platforms and millions of shoppers.
- eShipperminorEnd-to-end shipping with 21 years experience. Up to 70% savings on shipping.
- EasyshipminorCloud-based shipping platform serving 100,000+ clients. $25 shipping credit with code NCGRKB.
- MyFBAPrepminorNationwide 3PL and prep center network with 50+ warehouses and 1M+ sq ft.
- CahootminorPeer-to-peer fulfillment network with 1- and 2-day shipping for eCommerce merchants.
Scale indicators7 records
Recent moves8 records
Expansion highlights7 records
Payability competitors and assessment
Company assessmentEmerging players
- BlueVine: Online small-business banking and financing platform including working capital advances. Less specialized than Payability in marketplace sellers specifically, but comparable in serving SMBs underserved by traditional banks with fast digital onboarding.
- Resolve (Affirm): B2B payments and net-terms financing platform for businesses, now part of Affirm. Partially comparable — both serve SMB cash-flow needs, though Resolve is more B2B-buyer focused while Payability targets marketplace sellers specifically.
Direct peers
- Onramp Funds: Revenue-based financing focused on e-commerce brands and agencies. Comparable in providing growth capital tied to online sales performance; serves a partially overlapping seller base with Payability.
- 8fig: AI-powered funding platform for e-commerce sellers providing flexible, continuous capital. Directly comparable in target customer and use case (Amazon/FBA seller cash flow), with similar revenue-share repayment structures.
- Clearco: Revenue-based financing and data analytics platform for e-commerce sellers. Comparable in offering capital against marketplace sales with a tech-led underwriting approach; Clearco is more diversified across geographies and platforms.
- Shopify Capital: Shopify's embedded financing product advancing funds to merchants based on store sales. Highly comparable to Payability — both provide marketplace/platform-native cash advances to e-commerce sellers using sales data for underwriting.
- Wayflyer: Revenue-based financing provider for e-commerce brands, offering advances against online sales. Directly comparable business model and target customer (DTC and marketplace sellers needing cash-flow acceleration).
- Parafin: Embedded capital platform for marketplaces and SaaS companies to offer working capital to their merchants. Highly comparable to Payability for Platforms — both white-label/embed financing for marketplace sellers via partner platforms.
Broad incumbents
- Amazon Lending: Amazon's own seller financing program offering short-term loans to marketplace sellers. Directly competitive with Payability's core Amazon-seller daily payouts product, but operates as a marketplace-integrated offering rather than an independent fintech.
- Kabbage (American Express): Small-business cash-flow platform acquired by American Express offering lines of credit to SMBs. Comparable in financing SMBs via digital onboarding, though broader in target customer than Payability's marketplace-seller focus.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Customer concentration
Payability social profiles
Digital presencePayability compliance and trust
Trust signalCompliance1 record
Payability financial estimates
Financial estimateRevenue estimate
Valuation estimate
Payability leadership team
Management profileNumber of profiles
Profiles4 records
Payability funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Payability M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Payability
What does Payability do?
Payability purchases marketplace receivables from eCommerce sellers and advances 80% of the previous day's payouts daily, with the remaining 20% available once marketplace settlement is received. Sellers access their advanced earnings through the Payability Visa Prepaid Card (issued by Sutton Bank, powered by Marqeta) with 2% cash back, or via free same-day ACH, wire, and instant transfers to 180 countries. The service is targeted at Amazon, Walmart, and Newegg marketplace sellers who face cash flow gaps from multi-week payout cycles.
Is Payability a public or private company?
Payability is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Payability founded?
Payability was founded in 2015. It employs 11 to 50 people.
Where is Payability based?
Payability is headquartered in New York, United States, in the North America region.
How does Payability make money?
Three revenue lines are on record. Purchasing Commissions are the primary driver. The others are daily Advance Fees and seller Card Cash Back.
Who are Payability's main competitors?
Emerging players on record are BlueVine and Resolve (Affirm). Direct peers are Onramp Funds, 8fig, Clearco, Shopify Capital, Wayflyer and Parafin. Broad incumbents are Amazon Lending and Kabbage (American Express).
Does Payability have an API?
Yes. Payability offers an API that enables electronic data transmission between marketplaces and Payability's system. The Payability API allows marketplaces to transmit Electronic Earnings Data (representing supplier liabilities) and Update Adjustments to Payability Operations, which then transmits this information to PCF. The API is used to facilitate the purchase of Purchased Receivables and settlement of payment obligations. It supports Electronic Transmission of payment information, contact data, and sales/earnings data between marketplace platforms, Payability Operations, and Payability Commercial Factors (PCF). Supplier login credentials are used to access marketplace accounts for monitoring and payment verification purposes. Developer documentation is at www.payability.com/supplier_terms.