This report provides a data-led assessment of how payment disruption is affecting retail and hospitality businesses across the United States. Drawing on survey findings from businesses and consumers across five major consumer spending states, alongside outage patterns and economic modelling, it examines where vulnerabilities are emerging, how customer behavior shifts when systems fail, and how prepared businesses are to respond.
In a market shaped by rising expectations and increasing digital reliance, strengthening payment resilience is becoming essential to protecting both everyday trading and long-term commercial performance.
Whitepaper
Payment Resilience in an Uncertain World USA
Businesses serving US consumers are facing a growing range of disruptions that affect everyday trading. From extreme weather events and localized power outages to network failures and cyber incidents affecting cloud-based infrastructure, disruption is no longer a rarity. It has become a recurring operational reality, with direct consequences for payment reliability in retail and hospitality. Even short periods of downtime can become highly disruptive when they occur during busy trading hours.
At the same time, consumer expectations continue to rise. US shoppers increasingly expect payments to be fast, reliable and frictionless, whether in a large grocery store, a busy downtown restaurant or a high-footfall entertainment venue. When payments fail, the risk extends beyond lost sales. Disruption can undermine trust, damage brand perception and reduce the likelihood of repeat visits.
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