Daily working capital for eCommerce sellers

Tired of waiting for your marketplace payouts? Get paid out for your sales next day with Instant Access.

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Need more information? Email sales@payability.com or call (646) 494-8675 

Cash flow to grow your business

Marketplace sellers shouldn’t have to wait weeks for payouts. Take control of your cash flow by getting paid out next day for all of your eCommerce sales.

Fast and easy approval process

No credit check required. Apply online with your seller account and get funded same day.

Marketplace payments every day

Get your sales advanced every day, even on weekends and holidays. Stop waiting around to get paid.

Free same day transfers

Transfer money to your bank via Same Day ACH or wire, or do it instantly with Instant Transfer.

Up to 2% cash back

Get cash back on every purchase when you spend with the Payability Seller Card Visa

Rates & Qualifications

Rates

The Instant Access fee is a fixed flat fee typically between 1-2% of gross sales. Large sellers may qualify for lower fees.

Qualifications

To qualify for Instant Access, you must have at least 3 months of selling history and average monthly sales of $2,000.

How it works

Each day we advance 80% of your previous day’s sales into your Payability account. The remaining 20% is made available once the marketplace payout is received.

For example, Bob is an Amazon Seller and qualifies for a 1.5% fee for Payability Instant Access. He has sold $50,000 on Amazon this payment period, and paid $750 to receive daily, next day payouts. Each day, Payability advances 80% of Amazon’s payout, everyday. The remaining 20% of payout is paid to Bob once Payability receives funds from Amazon on their typical schedule. Meanwhile Bob was using his new-found daily cash flow to consistently reinvest in inventory and drive more sales.The Instant Access flat fee is not an interest rate, and there is no compounding interest. Because Payability is not a loan. Payability does not charge origination fees, annual fees or application fees like other loans or credit cards. In situations where Amazon continues to hold the payment balance to the next pay period, the same flat fee will apply to the new payment period.Are you selling over $100,000 per month? Contact sales@payability.com to see if you qualify for special rates.The Payability Loyalty Program rewards customers over time with increased advance rates and lower fees.

Applying for daily payouts is easy

Submit an application

We'll evaluate your business based on your marketplace sales history and account health. No credit checks or bank documents required.

Get approved fast

Get approved and funded in as fast as 1 business day.

Access your money

Once approved, you’ll be able to get funded that same day. From there, you can transfer funds to your bank account or spend them on the Payability Seller Card and get up to 2% back.

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Payability Customer Dashboard Tour

Payability is the leading platform for funding eCommerce sellers. In this video, we take a tour inside Bob’s Payability dashboard as he receives his Amazon earnings 14 days in advance, makes a free same-day transfer to his bank account, and reviews his Payability reports.

Earn up to 2% cash back when you spend your payout

Spend your advanced sales revenue on the Payability Seller Card and get cash back on every purchase.

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Frequently Asked Questions

Why should I use Payability
Instant Access?

Receiving your earnings daily boosts your cash flow and gives you more control of your business growth. With faster access to cash, you can make the investments you need to grow your business. Many of our customers use their daily payouts to buy more inventory, avoid stockouts and drive more sales.

What does Payability
Instant Access cost to use?

Payability charges a simple, fixed flat fee between 1% and 2% of your gross sales. For example, if you are an Amazon Seller who qualifies for a custom fee of 2%, and your gross sales are $10,000 in a payment period, you will pay a $200 fee to receive daily, next day payouts.

How soon will I have access to
my marketplace payout?

Get funded and receive access to your eCommerce payouts in less than 24 hours. Each morning, your prior day’s sales will be loaded in your Payability dashboard where they are available for you to spend on your Payability Seller Card immediately or transfer to your bank account.

What are the eligibility requirements?

In order to be eligible for Payability Instant Access, you need to be selling over $2,000 each month, have 90 days of sales history, and good performance metrics.

Can I use Instant Access if I'm outside of the U.S.?

Yes! If you have a registered business in your country, sell on Amazon.com and have a USD receiving account, then we can probably work with you. We recently teamed up with OFX to provide streamlined daily payouts & global money transfer solutions.

Get your marketplace payouts today

Stop waiting around to get paid out. Sign up for Instant Access and take control of your cash flow.

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