New Data: Consumers Want Control and Choose Instant Payments To Get It

The State of Digital Disbursements: Why Consumers Prefer Instant Payments

Consumers receiving 25 or more disbursements annually are nearly four times as likely to pay for instant access to those funds. For high-frequency recipients, immediacy isn’t just a preference — it’s a priority that reshapes expectations across payroll, lending and income disbursements. PYMNTS Intelligence’s latest report, “The State of Digital Disbursements: Why Consumers Prefer Instant Payments,” a collaboration with Ingo Payments, details the growing adoption of instant disbursements.

Inside the April 2025 Playbook
  • 41%: Portion of U.S. consumers who say they use instant methods to receive disbursements most often, up from 11% in 2018.
  • 37%: Share of U.S. consumers receiving $500–$1,000 in income and earnings disbursements who are willing to pay a fee to receive the funds instantly
  • 89%: Share of U.S. consumers who most prefer push to debit as a destination for disbursements and who also prefer instant the most

    Subscribe to our daily newsletter, PYMNTS Today.

    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 Privacy Policy and Terms and Conditions.

    OSZAR »