Report

2026 State of Consumer Payout Preferences

See what happens when you let recipients choose their payment method, and what it costs when they don't.
2026 State of Consumer Payout Preferences_LP_628x652_01

2026 State of Consumer Payout Preferences

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Choice, by the numbers

We surveyed over 1,500 U.S. adults and analyzed real redemption behavior across thousands of programs to find out what recipients want when receiving a payout. The data shows that a multi-method payout isn’t just a nice-to-have.

Key findings

  • 94% of recipients say choice in payout method matters when they receive funds. Letting recipients choose their payment method is not optional.

  • 74% are more likely to engage again with a company that ran a recipient-choice payout program instead of a single fixed method.

  • Digital prepaid holds an above-80% share on payouts under $500, then drops to 51% once the amount crosses that threshold. Flexible disbursement delivery beats a single default.

  • 68% are more likely to participate in a program when it offers digital payment options for recipients instead of a single method.

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