← Embedded Finance Index 2026

Payability

“Can Payability become the embedded working-capital and daily-payout infrastructure layer for eCommerce platforms, replacing the long settlement cycles imposed by major marketplaces?”

Founded2015
HQNew York, NY, USA
IndustryFintech / Lending
The story

Founded in 2015 as an accelerated-payout and working-capital provider for Amazon marketplace sellers, Payability built its model around purchasing receivables from sellers rather than traditional lending. Over time it expanded to Walmart and TikTok Shop sellers, launched a Visa prepaid card product backed by Sutton Bank, and introduced a B2B embedded platform ('Payability for Platforms') to let other marketplaces and software companies offer funding to their own sellers. The company has evolved from a direct-to-seller tool into a white-label embedded finance infrastructure provider for the broader eCommerce ecosystem.

Last 12 months
—
Product timeline
2015
Payability founded to provide accelerated daily payouts to marketplace sellers, initially focused on Amazon.· lending
2016
Launched Instant Access program offering daily payouts to eCommerce sellers, providing over $5 billion in growth capital.· lending
2022
Introduced Payability Advance Line, a revolving line of credit product for large sellers needing flexible capital.· lending
2022
Expanded platform to support Walmart sellers in addition to Amazon sellers.· pivot
2024
Expanded marketplace coverage to TikTok Shop sellers facing 15-30 day settlement delays.· lending
The stack
5 layers disclosed in Payability’s embedded-finance stack
Money movement
ACH
Banking / BaaS
in the full report
Card issuing
in the full report
Lending
in the full report
Sponsor bank
in the full report
Accounting gap: none
7 more providers across 4 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.