Report
The 2026 state of SMB payments
We surveyed 2,000 finance leads about speed, fees and trust.
Jonas Weber
6 min
We surveyed 2,000 finance leads at companies with 10 to 500 people about how they move money. Three themes stood out: speed, fees and trust.
Speed is now table stakes
71% of respondents expect domestic payments to settle in seconds. Teams still waiting days for transfers report spending twice as long on cash-flow planning.
Hidden fees are the top frustration
More than half could not say what they paid in FX margin last year. Once measured, the average business found 2.6% of international spend lost to the exchange rate.
“The fee we couldn’t see was bigger than the one we could.”
Survey respondent, Head of Finance
Trust is earned in the details
Clear statuses, instant receipts and human support ranked above price when teams chose a provider. Calm, predictable software wins.
Jonas Weber
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