Survey Shows Two-Thirds of Firms Have Evaluated Payment Guarantees

A survey of 150 senior payment and finance executives found that two-thirds of firms have evaluated or used a payment guarantee, while only 13% currently use one. The same survey shows 95% of executives anticipate at least some benefit from payment guarantees, with none foreseeing a downside.

The research was conducted to understand the barriers preventing wider use of payment guarantees. It gathered insights from senior executives responsible for payments and finance. The goal was to identify where guarantees could add value beyond simple loss coverage. Participants were asked about their expectations and current practices. The results highlight a mismatch between perceived benefits and actual adoption rates. Many firms see guarantees as a way to streamline risk management. Others emphasize the potential to improve customer confidence in payments. A smaller group points to cost savings in reconciliation work. The study also notes that confidence in existing fraud systems can obscure real‑time weaknesses. Firms with more sophisticated fraud monitoring tend to be more open to trying guarantees. Overall, the findings suggest a need for better education and clearer value propositions. Stakeholders may use this information to guide future investments. By addressing the adoption gap, businesses could experience smoother cash flows and lower operational strain. Such improvements may also strengthen relationships with customers and suppliers. The survey also highlights that clear communication about guarantee terms could encourage greater uptake.

What we know

• The survey included 150 senior payment and finance executives.

• Two-thirds of firms have evaluated or used a payment guarantee, while only 13% currently use one.

• Ninety-five percent of executives anticipate at least some benefit from payment guarantees, with none foreseeing a downside.