What the application does

Payability advances cash against marketplace receivables. A supplier (a seller on Amazon, Walmart, Target and similar marketplaces) is onboarded, underwritten, priced, funded and then paid on a recurring schedule while Payability recovers its advances from the marketplace remittances. Internal Admin is the console for every one of those steps.

The supplier lifecycle

   acquire            onboard              underwrite            fund
 ┌──────────┐      ┌────────────┐       ┌────────────┐      ┌──────────────┐
 │ referral │─────►│ KYC docs,  │──────►│ initial /  │─────►│ advance offer│
 │ or CRM   │      │ marketplace│       │ daily UW,  │      │ priced and   │
 │ deal     │      │ linking,   │       │ background │      │ approved     │
 └──────────┘      │ contracts  │       │ reports,   │      └──────┬───────┘
                   └────────────┘       │ UCC filing │             │
                                        └────────────┘             ▼
                                                            ┌──────────────┐
   wind down            operate                             │ payments run │
 ┌──────────────┐   ┌──────────────────────┐                │ on schedule  │
 │ suspend,     │◄──│ fees, reserves,      │◄───────────────│ in batches   │
 │ cancel, lock,│   │ statements, cards,   │                └──────────────┘
 │ write off,   │   │ receivables, health, │
 │ delete       │   │ balance approval     │
 └──────────────┘   └──────────────────────┘

Each stage maps onto a tab of the supplier workspace and onto a documentation page:

Stage What staff do Documentation

Acquire

Track the deal in CRM, log notes/tasks/emails against the supplier, generate a referral link.

CRM, Suppliers

Onboard

Walk an onboarding template, collect and verify KYC documents, link marketplace accounts, capture owners and business details, sign contracts, set up 2FA and SMS numbers.

Onboarding and KYC

Underwrite

Run initial and daily underwriting, pull background/bank/ML reports, record UCC filings, and approve or decline.

Underwriting, UW tracker

Price and fund

Build a progressive-pricing advance offer, set risk rating, periods and fees, compute net delivery and repayment reserve, approve or re-offer.

Advances and offers

Operate

Configure payment methods and deposit accounts, adjust purchase/payment fees and reserves, review marketplace statements, issue and manage cards, add receivables, chargebacks and write-offs, watch account health.

Payments, Fees and reserves, Cards

Pay out

Create, review and release fund-transfer batches; approve balances before money moves.

Processes and batches, Balance approval

Wind down

Suspend, cancel, lock, hide, write off or delete an account, or run a win-back.

Lifecycle actions

Capability areas

The left-hand navigation groups the application into these areas. The mapping between menu item, route and implementation is in the route catalogue.

Your tasks / Group tasks

Task counters and the CRM task list — the staff work queue. See CRM tools and tasks.

Search

Global supplier search backed by the internal API’s Elasticsearch-style search3 endpoint, with an older search2 path still present. See Search overlay.

Actions

Cross-cutting money and data operations available from anywhere: load earnings, load remittance, add chargeback, add bad-debt recovery, add receivable, add write-off, add default contract, edit marketplace statement, add or zero a marketplace payment, adjust the Payability fee, add a fund-transfer request. See Lifecycle actions and transactions.

Marketplaces

The catalogue of marketplaces and payment gateways Payability integrates with. See Marketplaces.

UW Tracker

A cross-supplier underwriting queue, gated by the UNDERWRITING_TRACKER flag. See Underwriting tracker.

Reports

Internal reports (SQL views exposed with column configuration), external reports (Plaid, bank categorisation, ML predictions) and the waiting-suppliers report. See Reports.

Payments

Fund-transfer batches and balance approval. See Processes and Balance approval.

Emails

The outbound email log and preview, shared with the CRM email components. See Emails and messaging.

Manage

Back-office configuration: bulk actions, event rules (v1 and v2), users, permission groups, the raw event stream, onboarding templates, email settings, global settings, fee settings, contracts and month-end close. See Manage.

DEV Admin

Developer-only tooling — runtime feature-flag switching and QA helpers, gated on the DEV permission. See DEV Admin.

Who uses it

Access is shaped by permission code rather than by job title, but in practice:

Group Typical permissions and reach

Underwriting

UNDERWRITING; full supplier workspace including underwriting tabs, advances and offer pricing.

Restricted underwriting

REST_UW_ACCESS; a deliberately narrow slice — most modules and most supplier tabs are hidden. Access by this group is additionally logged as a KYC guardrail event.

Advance auditors

ADVANCE_AUDITORS; read-oriented access to advance data with the rest of the app filtered out; supplier detail loading skips funding, balance and contract calls entirely.

Finance / treasury

FINANCE, INT_PMT_ADMIN, INT_PMT_REVIEW, MANAGE_PMT, MANAGE_BAD_DEBT; payments, batches, balance approval, background reports.

Customer service / sales / marketing

CUST_SERVICE, Sales, MARKETING; CRM, supplier general data, emails.

Administrators

INT_SUPER_USER, INT_PERMS_ADM, INT_GLOBAL_SETTINGS, INT_EMAIL_SETTINGS, INT_RULES_UPDATE, INT_REP_ADMIN; the Manage area.

Developers

DEV, dev_support; DEV Admin plus everything else.

The authoritative list is the permission catalogue; the enforcement mechanics are in authorisation.