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US businesses face growing disruptions, from extreme weather to cyber incidents. These challenges are undermining payment reliability in retail and hospitality, putting $44 billion in annual revenue at risk. Downtime during peak hours disrupts operations, while rising consumer expectations demand fast, reliable payments. 

Payment failures risk lost sales, eroded trust, damaged brand perception, and fewer repeat visits.

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.

Payment Resilience in an Uncertain World USA