Payability is a great resource for new, cash-strapped sellers. It is easy to setup and use. The next day access to funds really makes it easier to pay for expenses and purchase new inventory. It would be better if the minimum monthly fee was lower for new sellers that make less revenue. As a new seller, the minimum motnhly fee of $250 significantly impacts my monthly revenue. I think it should be a fixed rate fee regardless of monthly sales. The customer service is excellent. I highly recommend Payability.