Instant Payouts Win Customers Until Fees Get in the Way

Fee Sensitivity and the Opt-In Economics of Instant Payouts

Instant payouts have crossed a critical threshold, but they’re not yet the default option. “Fee Sensitivity and the Opt-In Economics of Instant Payouts,” a PYMNTS Intelligence and Ingo Payments collaboration, reveals why speed alone is no longer enough and how the wrong economics can quietly turn a powerful advantage into a competitive liability.

In this report learn,
  • Why instant payouts are now mainstream but not always the default
    Most consumers have used instant payouts, but many still switch back to slower methods when fees or limits get in the way.
  • How fees change behavior, especially for younger consumers
    Gen Z values speed but is highly fee-sensitive, often reserving instant payouts for urgent situations.
  • When free or optional instant payouts drive loyalty and choice
    Offering instant payouts, for free or as an option, makes recipients far more likely to choose and stay with a sender.

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