{"id":3662755,"date":"2026-04-20T04:00:26","date_gmt":"2026-04-20T08:00:26","guid":{"rendered":"https:\/\/www.pymnts.com\/?p=3662755"},"modified":"2026-04-20T21:28:56","modified_gmt":"2026-04-21T01:28:56","slug":"43percent-smbs-would-pay-to-make-purchases-in-installments","status":"publish","type":"post","link":"https:\/\/www.pymnts.com\/smbs\/2026\/43percent-smbs-would-pay-to-make-purchases-in-installments\/","title":{"rendered":"43% of SMBs Would Pay to Make Purchases in Installments"},"content":{"rendered":"<p>Small businesses aren\u2019t just shopping for new ways to pay. They\u2019re looking for tools that give them greater control over timing, visibility and day-to-day cash flow. That is the more interesting takeaway in \u201c<a href=\"https:\/\/www.pymnts.com\/study\/ready-for-change-smbs-digital-payments\/\">Ready for Change: Why Nearly Half of SMBs Want to Ditch Cash and Checks<\/a>,\u201d which makes clear that the real opportunity in SMB finance isn\u2019t simply replacing old habits but solving practical operating problems.<\/p><div\r\n\tid=\"article-paywall-overlay\"\r\n\tclass=\"d-none\"\r\n>\r\n\t<div id=\"article-paywall-content\" class=\"my-4\">\r\n\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2699550-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"2699550\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/wp-json\/wp\/v2\/posts\/3662755#wpcf7-f2699550-o1\" method=\"post\" class=\"wpcf7-form init pymnts-article-paywall-form\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input 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\/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"YourCountry\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control border-secondary\" id=\"inputCountry\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Country*\" value=\"\" type=\"text\" name=\"YourCountry\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t<input class=\"wpcf7-form-control wpcf7-hidden\" id=\"inputEmailHidden\" value=\"\" type=\"hidden\" name=\"yourName\" \/>\n\t\t\t<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"email\" \/>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"newsLetterChoice\"><span class=\"wpcf7-form-control wpcf7-checkbox me-1\" id=\"checkNewsletter\"><span class=\"wpcf7-list-item first last\"><input type=\"checkbox\" name=\"newsLetterChoice[]\" value=\"yes\" checked=\"checked\" \/><span class=\"wpcf7-list-item-label\">yes<\/span><\/span><\/span><\/span><span class=\"small\">Subscribe to our daily newsletter, PYMNTS Today.<\/span>\n\t\t\t\t<\/p>\n\t\t\t\t<p class=\"small lh-base\" style=\"font-size:.9rem;\">By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our <a class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/privacy-policy\/\">Privacy Policy<\/a> and <a class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/terms-conditions\/\">Terms and Conditions<\/a>.\n\t\t\t\t<\/p>\n\t\t\t\t<p><input id='hiddenPath' type='hidden' name='path' value='' \/><input type='hidden' name='userDeviceId' id='userDeviceId' \/><input type='hidden' name='pageTitle' id='pageTitle' \/>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div id='formButtonRow' class='container mt-1 px-0'>\n\t\t\t\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner btn btn-dark text-uppercase py-2 px-5 small\" id=\"theSubmitButton\" type=\"submit\" value=\"Submit\" \/>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><input type=\"hidden\" name=\"post_id\" value=\"3662755\" \/><input type=\"hidden\" name=\"source\" value=\"https:\/\/www.pymnts.com\/smbs\/2026\/43percent-smbs-would-pay-to-make-purchases-in-installments\/\" \/><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"37\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\r\n\t<\/div>\r\n<\/div>\r\n<div id=\"article-paywall-hidden-content\">\r\n\t\n<p>The PYMNTS Intelligence report, produced with <a href=\"https:\/\/www.mastercard.com\/us\/en.html\">Mastercard<\/a>, is based on a survey of 412 U.S. small- to medium-sized business (SMB) owners, founders, vice presidents and executive directors.<\/p>\n<p>While the headline finding centers on reducing reliance on cash and checks, the broader message is that SMBs are asking for financial products that fit how they actually run their businesses. That includes smoother cash-flow management, better dispute protections, flexible repayment options and a blend of digital service with human support when needed.<\/p>\n<p>Rather than framing SMBs as reluctant to modernize, the data help form a more constructive picture. Many businesses appear ready to adopt new tools when those tools address immediate needs such as paying suppliers quickly, covering expenses before cash comes in and keeping a clearer handle on spending. In that sense, the report is less about payment preference than about operational confidence.<\/p>\n<ul>\n<li>Sixty-three percent of SMBs said business credit cards are the most suitable way to dispute a payment and get money back. Another 59% said cards are the best way to make a payment without having cash on hand at that moment. That points to a strong appetite for protection and flexibility, especially when cash flow is tight or a transaction goes wrong.<\/li>\n<li>Meanwhile, 46% said they would be willing to pay for a business credit card that lets them adjust payment windows based on when they have money. Another 43.3% said they would pay for the ability to make purchases in installments, and 42.9% would pay for longer payment windows. The pattern is clear. SMBs are placing a premium on tools that help them manage timing, not just spend.<\/li>\n<li>Among SMB leaders surveyed, 45.8% said they would pay for access to business experiences, while 33.1% said they would pay for digital tools. That suggests smaller companies do not see financial products as only transactional. They also value connections, support and tools that may help them grow, learn and operate more efficiently.<\/li>\n<\/ul>\n<p>The report also showed that channel preference matters almost as much as product design. Overall, 23% of SMBs prefer a self-serve digital application for a business card, while 18% prefer live chat and another 18% prefer a human phone representative.<\/p>\n<h2><strong>Looking for the Digital Path <\/strong><\/h2>\n<p>Cash-reliant firms are less likely to want a purely digital path, while businesses with no cash reliance are much more comfortable handling things online. That finding gives issuers and banks a practical roadmap. Digital convenience matters, but so does easy access to real people.<\/p><div id=\"pymnt-1839318087\" class=\"pymnt-content pymnt-entity-placement\" style=\"margin-top: 50px;\"><p style=\"text-align:center\">Advertisement: Scroll to Continue<\/p><script async type=\"text\/javascript\" id=\"dianomi_context_script\" src=\"https:\/\/www.dianomi.com\/js\/contextfeed.js\"><\/script> \r\n<div class=\"dianomi_context\" data-dianomi-context-id=\"4329\"><\/div><\/div>\n<p>There are other encouraging signals. Only\u00a017.6%\u00a0of SMBs said they saw no barriers to reducing cash usage, and the biggest obstacles were largely practical, such as cost and fees, business type and supplier surcharges. Those are product and service challenges, not dead ends. For providers that can lower friction, improve onboarding and deliver more cash-flow control, the report suggests a sizable opening to build stronger relationships with SMBs that are ready for something better.<\/p>\n<p><em>At PYMNTS Intelligence, we work with businesses to uncover insights that fuel intelligent, data-driven discussions on changing customer expectations, a more connected economy and the strategic shifts necessary to achieve outcomes. With rigorous research methodologies and unwavering commitment to objective\u00a0quality, we offer trusted data to grow your business. As our partner, you\u2019ll have access to our diverse team of PhDs, researchers, data analysts, number crunchers, subject matter veterans and editorial experts.<\/em><\/p>\n\r\n<\/div>\r\n<script>\r\n\twindow.pymntsAllowedArticleCount = 2;\r\n\twindow.pymntsPostID = 3662755;\r\n<\/script>","protected":false},"excerpt":{"rendered":"<p>Small businesses aren\u2019t just shopping for new ways to pay. They\u2019re looking for tools that give them greater control over timing, visibility and day-to-day cash flow. That is the more interesting takeaway in \u201cReady for Change: Why Nearly Half of SMBs Want to Ditch Cash and Checks,\u201d which makes clear that the real opportunity in [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3662845,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[12382],"tags":[4055,9617,19817,13328,53940,9206,67958,67601,133069],"class_list":["post-3662755","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-smbs","tag-b2b","tag-b2b-payments","tag-digital-transformation","tag-featured-news","tag-installment-payments","tag-news","tag-payments-intelligence","tag-pymnts-intelligence","tag-pymnts-news"],"acf":{"suggested_titles":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>43% of SMBs Would Pay to Make Installment Payments<\/title>\n<meta name=\"description\" content=\"New PYMNTS Intelligence data reveals a meaningful share of SMBs would pay a premium for installment-based payment options.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pymnts.com\/smbs\/2026\/43percent-smbs-would-pay-to-make-purchases-in-installments\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"43% of SMBs Would Pay to Make Purchases in Installments | PYMNTS.com\" \/>\n<meta property=\"og:description\" content=\"Small businesses aren\u2019t just shopping for new ways to pay. 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