Cover for the PYMNTS Intelligence and Ingo Payments Report - Money Mobility: Who Gets Paid and Who Waits - January 2026

Disbursement Speed Has Become a Loyalty Weapon

Money Mobility: Who Gets Paid Fast and Who Waits

Getting paid has become a defining moment of trust in the instant economy. Some consumers receive their money almost immediately, while others wait days—and the gap is reshaping satisfaction, loyalty and financial stability. The difference is no longer technical. It’s strategic. Download your copy of “Money Mobility: Who Gets Paid Fast and Who Waits,” a collaboration between PYMNTS Intelligence and Ingo Payments, now.

Inside the January Report

  • Consumers who receive payouts instantly or within a day are twice as likely to report high satisfaction compared to those who wait several days. Slow payments consistently erode trust and confidence in the payout experience.
  • Paycheck-to-paycheck households, younger consumers and those who rely on disbursements as their primary source of income receive funds the fastest and experience delays most acutely.
  • Tips, contractor payouts and winnings arrive far more quickly than refunds and rebates. The differences reveal how urgency and willingness to pay for speed shape the adoption of instant and same-day payment options.

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    Money Mobility Report