Payment failures drive businesses to focus on payment protection
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AI-assisted source synthesis · not an independent investigation.
On October 12, 2026, PYMNTS and Plaid released a joint report stating that more than two-thirds of businesses had experienced revenue loss or delays due to payment failures; the report also said that more than two-thirds of surveyed businesses had evaluated or used payment protection, but the actual usage rate currently stands at only 13%. The survey covered 150 executives across seven industries, and 95% expected payment protection to have a positive impact. Among businesses with relatively high real-time payment readiness, 72% expected to adopt or expand their use over the next two years, compared with 22% of businesses with the lowest readiness. On October 13, follow-up coverage further disclosed that 85% of large enterprises with annual revenue of at least $5 billion had evaluated or used payment guarantee services, compared with 47% of middle-market businesses; 74% cited integration complexity as a major obstacle, 73% believed their existing internal controls were sufficient, and 64% considered the cost too high relative to the expected benefits. Nearly half of the surveyed businesses planned to adopt or expand their use over the next 24 months.
AI-written from reports · updated 6 days ago
Timeline
Follow the reporting to see the different sides of the story.
- PYMNTSPYMNTS finds payment guarantee service adoption leads among large enterprises over mid-market companies
A report from PYMNTS and Plaid found that 85% of large enterprises with annual revenue of at least $5 billion are evaluating or using payment guarantee services, compared with 47% of mid-market companies. 74% of respondents cited integration complexity as a primary obstacle, 73% said existing internal controls are sufficient, and 64% said fees are too high relative to expected benefits. Nearly half of the companies surveyed plan to adopt or expand their use of payment guarantee services within the next 24 months.
- PYMNTSPYMNTS and Plaid report: More than two-thirds of businesses suffer or face delayed revenue when payments fail
A joint report by PYMNTS and Plaid shows that more than two-thirds of businesses have evaluated or used payment protection, but only 13% are currently using it. The survey covered 150 executives across seven industries; 95% expect payment protection to have a positive impact. Among businesses with high readiness for real-time payments, 72% expect to adopt or expand their use within two years, compared with 22% of those with the lowest readiness.
Heat over time
Current heat 3·Peak over the comparable range 10 (Oct 13 23:00)·Change over the comparable range in the last 24 hours -49%
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