{"id":3686191,"date":"2026-04-29T04:00:46","date_gmt":"2026-04-29T08:00:46","guid":{"rendered":"https:\/\/www.pymnts.com\/?p=3686191"},"modified":"2026-04-28T21:21:59","modified_gmt":"2026-04-29T01:21:59","slug":"new-data-shines-light-on-the-1-35t-race-to-move-money-faster","status":"publish","type":"post","link":"https:\/\/www.pymnts.com\/news\/faster-payments\/2026\/new-data-shines-light-on-the-1-35t-race-to-move-money-faster\/","title":{"rendered":"New Data Shines Light on the $1.35T Race to Move Money Faster"},"content":{"rendered":"<p>\u201c<a href=\"https:\/\/www.pymnts.com\/study\/the-power-of-now-moving-money-at-the-speed-of-life\/\" target=\"_blank\" rel=\"noopener\"><strong>The Power of Now: Moving Money at the Speed of Life<\/strong><\/a>,\u201d a collaboration between <strong>PYMNTS Intelligence<\/strong> and <a href=\"https:\/\/usa.visa.com\/products\/visa-direct.html\" target=\"_blank\" rel=\"noopener\"><strong>Visa Direct<\/strong><\/a>, examines why payout speed has evolved into a business issue. Across healthcare, insurance and investment platforms, many organizations still depend on checks, ACH and other slower payment rails to send money to consumers. That creates a mismatch between how fast people need their funds and how quickly companies can deliver them. Real-time payouts can solve this.<\/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\/3686191#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 type=\"hidden\" name=\"_wpcf7\" value=\"2699550\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2699550-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"free-articles-prompt-intro\">\n\t<h2 class=\"mb-2\">Get the Full Story\n\t<\/h2>\n\t<p class=\"mb-4\">Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content \u2014 no additional logins required.\n\t<\/p>\n\t<div id='registrationContainer' class='container px-0'>\n\t\t<div class=\"row\">\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=\"firstName\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control border-secondary\" id=\"firstName\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"First Name*\" value=\"\" type=\"text\" name=\"firstName\" \/><\/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=\"lastName\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control border-secondary\" id=\"lastName\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Last Name*\" value=\"\" type=\"text\" name=\"lastName\" \/><\/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=\"YourTitle\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control border-secondary\" id=\"inputTitle\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Title*\" value=\"\" type=\"text\" name=\"YourTitle\" \/><\/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=\"YourCompany\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control border-secondary\" id=\"inputCompany\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Company*\" value=\"\" type=\"text\" name=\"YourCompany\" \/><\/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=\"YourEmail\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email form-control border-secondary\" id=\"inputEmail\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email*\" value=\"\" type=\"email\" name=\"YourEmail\" \/><\/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\" 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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=\"3686191\" \/><input type=\"hidden\" name=\"source\" value=\"https:\/\/www.pymnts.com\/news\/faster-payments\/2026\/new-data-shines-light-on-the-1-35t-race-to-move-money-faster\/\" \/><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=\"113\"\/><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 report finds that firms see a major opportunity to shift more payouts to real time. Today, roughly 5% to 12% of consumer payouts across these sectors are received in real time. Within three years, firms want that share to rise sharply, creating a $1.35 trillion opportunity to move more money within minutes. The stakes are substantial. Slow payouts can lead to financial stress for recipients, more service calls, disputes, compliance concerns and extra administrative work for senders.<\/p>\n<p>The report also shows that real-time payouts are about more than speed. They can give recipients more choice and certainty. They can help businesses reduce exceptions, improve visibility and strengthen trust. The challenge is that adoption is still slowed by fraud concerns, system costs, compliance needs and the difficulty of verifying recipient information. That means the future of payouts will depend on both faster rails and stronger controls.<\/p>\n<div class=\"my-5\"><style>\n  .free-download-sec {\n    width: 100%;\n    font-family: \"Roboto\", sans-serif;\n  }\n\n  .free-download-sec .inner {\n    background: rgb(35, 36, 150);\n    background: linear-gradient(129deg, rgba(35, 36, 150, 1) 0%, rgba(14, 14, 49, 1) 87%);\n    padding: 20px;\n    border-radius: 10px;\n    \/* max-height: 210px; *\/\n  }\n  h2.report-title {\n    font-size: 1.6rem;\n    font-weight: 600;\n    color: #fff;\n  }\n  h2.report-title span {\n    display: block;\n    font-weight: 400;\n  }\n  .free-download-sec .form-control {\n    line-height: 2.2;\n  }\n  .free-download-sec .form-control::placeholder {\n    color: #000;\n  }\n\n  .free-download-sec .form-control::-ms-input-placeholder {\n    color: #000;\n  }\n\n  .free-download-sec p {\n    font-size: 14px;\n    font-style: italic;\n    color: #000;\n  }\n\n  .free-download-sec a {\n    text-decoration: 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aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/wp-json\/wp\/v2\/posts\/3686191#wpcf7-f3686238-o2\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"3686238\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f3686238-o2\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div>\n\t<p><label><span class=\"wpcf7-form-control-wrap\" data-name=\"firstName\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" 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class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Country*\" value=\"\" type=\"text\" name=\"YourCountry\" \/><\/span><\/label>\n\t<\/p>\n<\/div>\n<div>\n\t<p><label><span class=\"wpcf7-form-control-wrap\" data-name=\"YourCompany\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Company*\" value=\"\" type=\"text\" name=\"YourCompany\" \/><\/span><\/label>\n\t<\/p>\n<\/div>\n<div>\n\t<p><label><span class=\"wpcf7-form-control-wrap\" data-name=\"YourTitle\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Title*\" value=\"\" type=\"text\" name=\"YourTitle\" \/><\/span><\/label>\n\t<\/p>\n<\/div>\n<p class=\"small text-secondary lh-sm\"><em><span class=\"wpcf7-form-control-wrap\" 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You can unsubscribe at any time. For more information on how Visa collects, uses, and protects your personal information, please review our <a href=\"https:\/\/usa.visa.com\/legal\/global-privacy-notice.html\" target=\"_blank\" rel=\"noopener\">Global Privacy Notice<\/a>.<span style=\"color: red;\">*<\/span><\/span><\/label><\/span><\/span><\/span><\/em>\n<\/p>\n<p class=\"small text-secondary lh-sm\"><em>By completing this form, you agree to receive marketing communications from PYMNTS and consent to the sharing of your information with our sponsors, where applicable, in accordance with our <a href=\"https:\/\/www.pymnts.com\/privacy-policy\/\">Privacy Policy<\/a> and <a href=\"https:\/\/www.pymnts.com\/terms-conditions\/\">Terms and Conditions<\/a>. Sponsors may use this information to contact you directly. You may update your preferences or withdraw your consent at any time.<\/em>\n<\/p>\n<div>\n\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner black-button\" type=\"submit\" value=\"Receive Your Copy\" \/>\n\t<\/p>\n<\/div>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"https:\/\/www.pymnts.com\/wp-content\/uploads\/2026\/04\/PYMNTS-Intelligence-The-Power-of-Now-April-2026.pdf\" type=\"hidden\" name=\"submit-link\" \/><input type=\"hidden\" name=\"post_id\" value=\"3686191\" \/><input type=\"hidden\" name=\"source\" value=\"https:\/\/www.pymnts.com\/news\/faster-payments\/2026\/new-data-shines-light-on-the-1-35t-race-to-move-money-faster\/\" \/><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_2\" name=\"_wpcf7_ak_js\" value=\"73\"\/><script>document.getElementById( \"ak_js_2\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<input type='hidden' name='post_id' value='3686191'><\/form>\n<\/div>\n\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div><\/div>\n<h3>In \u201cThe Power of Now: Moving Money at the Speed of Life,\u201d learn how:<\/h3>\n<ul>\n<li><strong>Payout speed affects trust.<\/strong> Recipients often judge an organization by how quickly and reliably money arrives. Smooth, timely payments can improve confidence in companies and government programs.<\/li>\n<li><strong>Slow rails create hidden operating costs.<\/strong> Late or hard-to-track payments don\u2019t stop at the customer service desk. They can trigger reissues, disputes, accounting work and reputational damage.<\/li>\n<li><strong>Real-time payouts require more than faster technology.<\/strong> Firms must also solve for fraud, compliance, system readiness and verified recipient data. The winners will be the organizations that make faster payments feel safe, simple and reliable.<\/li>\n<\/ul>\n<h3>About the Report<\/h3>\n<p><strong>PYMNTS Intelligence<\/strong> conducted three surveys of 360 payments leaders (120 per vertical) at U.S.-based investment platforms, insurers, and healthcare payers and administrators between Dec. 30, 2025, and Jan. 26, 2026. Respondents included leaders at healthcare carriers and providers that issue member payouts, insurance carriers that issue approved claims payouts and investment platforms, brokerages and fund providers responsible for investor withdrawal processes and related frictions.<\/p>\n<p>In parallel, we collected 2,323 responses between Dec. 22, 2025, and Jan. 5, 2026, from U.S. adults who received a federal, state or local government payment within the past 12 months. This sample was benchmarked to U.S. Census demographics to support representativeness, enabling a consistent read on how payout timing, access and trust dynamics vary across recipient segments.<\/p>\n\r\n<\/div>\r\n<script>\r\n\twindow.pymntsAllowedArticleCount = 2;\r\n\twindow.pymntsPostID = 3686191;\r\n<\/script>","protected":false},"excerpt":{"rendered":"<p>\u201cThe Power of Now: Moving Money at the Speed of Life,\u201d a collaboration between PYMNTS Intelligence and Visa Direct, examines why payout speed has evolved into a business issue. Across healthcare, insurance and investment platforms, many organizations still depend on checks, ACH and other slower payment rails to send money to consumers. That creates a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3689665,"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":[11441],"tags":[21810,156531,9186,10829,9206,67958,67601,133069,62117,7328,14421],"class_list":["post-3686191","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-faster-payments","tag-disbursements","tag-featured-insights","tag-instant-payments","tag-main-feature","tag-news","tag-payments-intelligence","tag-pymnts-intelligence","tag-pymnts-news","tag-pymnts-study","tag-real-time-payments","tag-visa-direct"],"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\/ 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