Assessment
Payabli is used by software platforms that want to add card and ACH acceptance, vendor payouts, and payment operations to their product. It reports more than $6B of annualized payment volume and about 95 software customers covering tens of thousands of merchants, and its best use cases are embedded pay-in, pay-out, and payment ops for vertical SaaS. Prices are set by quote, and its main competitors are Spreedly, Rainforest, and Weavr.
Joseph Elias Phillips and William Corbera co-founded Payabli in Miami. Its net revenue was about $20M in 2025, up from $5M in 2024, and the Series B valued it at $305M. The company says it grew revenue several times over in 2025 while expanding into spend cards and AI tools for payment ops.
It fits a software company that wants PayFac-style economics without the full registration burden. It is a weaker fit for a buyer that needs a simple posted fee schedule before a sales call, and for a team that only needs a thin payment gateway.
Rating by criterion
We score each of the eight criteria out of 100.
Sector criteria
Use it when you need pay-in, pay-out, and payment ops in one stack. Payabli sells acceptance, payouts, and operations tools through one developer API.
Build against a single API. The company markets low-code and API paths for software platforms that want to own the payment experience.
Expect bank and processor partnerships behind the scenes. Payabli positions itself as the layer between your software and sponsor banks and processors.
Check its vertical partners. It names property management, healthcare, field services, utilities, and government software among the platforms it serves.
Vendor criteria
Expect a fast product pace. It reports multi-fold revenue growth and new spend-management and AI features after the Series B.
Plan a sales-led onboarding. Setup runs through Payabli’s team instead of a fully self-serve console for every product.
Ask for a written fee schedule. Public pages do not post a full price list.
Negotiate by volume and product mix. Platforms that bring large merchant books have more room on economics.
Against its peers
These are the other companies in payments and acquiring, with their ratings.
User comments
We read Payabli’s Series B announcement and Forbes company page to see what buyers value, and set them against the main limit a buyer meets.
- Upside
- Downside
Where customer reviews couldn't be found, our analysts attempted to give a voice to buyer sentiment, drawing on real information from review sites, forums and product documentation.
Based on: Payabli, Series B announcement; Forbes, Payabli.
Fact file
| Co-founders | Joseph Elias Phillips and William Corbera |
|---|---|
| Founded | 2020, Miami |
| Net revenue (2025) | About $20M |
| Annualized payment volume | More than $6B |
| Software customers | About 95 |
| Total raised | About $60M |
Competitive landscape
Embedded payments platforms a software company would compare with Payabli.
Payabli: 77
- Payabli77
- Spreedly79
- Lithic79
- Rainforest78
- Finix78
- Moov77
- Tilled74
- Weavr73
- Stripe ConnectNot reviewed
Finix became a payment processor in 2023 and sells acceptance, payouts, and merchant underwriting to platforms that may want to run their own PayFac program. Moov combines card acceptance, bank payouts, wallets, and ledgers in one stack for software companies. Tilled offers white-label PayFac-as-a-Service, holding the registration and risk so a software company can launch payments under its own brand.
Comparisons
Key leadership
Joseph Elias Phillips and William Corbera co-founded Payabli. Phillips was earlier head of sales at ServiceTitan.
How this review was created
This profile gives our own assessment of Payabli to companies selecting a Payments & acquiring provider. The Fintech Index receives nothing for featuring a firm, for sponsorship, or for advertising, and Payabli gave us no payment for the profile.
The rating equals the average of eight criteria, with every criterion running from 0 to 100. Four address buyer needs in this sector, and four address the company together with its commercial terms.
Ratings are our editorial judgment, made from public information: pricing and legal pages, product documentation, compliance disclosures, public reviews and filings. Fact-checking took place on November 5, 2026.
Source pages
- Payabli home page: https://www.payabli.com/ (As of November 5, 2026)
- Payabli, Series B announcement: https://www.payabli.com/news/payabli-lands-28m-series-b-to-accelerate-payments-infrastructure-for-software-companies/ (As of November 5, 2026)
- Payabli, about: https://www.payabli.com/about-us/ (As of November 5, 2026)
- Forbes, Payabli: https://www.forbes.com/companies/payabli/ (As of November 5, 2026)