A failed payment can look small on a transaction screen. For the business waiting on the money, the effects can spread fast. Revenue gets delayed, staff spend more time fixing problems and customers can lose confidence in the payment experience.
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“The Payment Guarantee Gap: Why Adoption Lags Despite Perceived Value,” a PYMNTS Intelligence report produced in collaboration with Plaid, examines why payment guarantees draw strong interest but still see limited adoption. The report is based on a survey of 150 senior payment and finance executives across seven industries. It examines how firms view payment guarantees, the benefits they expect and what is stopping more companies from using them today.
The data points to a clear gap between interest and action. Two-thirds of firms have either evaluated or used a payment guarantee, but only 13% use one today. At the same time, 95% expect at least some positive impact from using them, and none of the executives surveyed expect a negative impact.
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For payments leaders, finance teams, risk executives and companies handling large payment volumes, the report offers a closer look at where payment guarantees may fit into broader payment protection strategies.
Download the report to see where the adoption gap is widest, which firms are moving first and where payment guarantees could deliver the clearest business value.
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