SMBs Turn to Cards to Protect Payments and Control Cash Flow

Small and medium-sized businesses often face timing mismatches between receivables and payables, making cash flow management more important than simply reducing transaction costs. “Ready for Change,” released by PYMNTS Intelligence and Mastercard in February 2026, draws on a December 2025 survey of 412 U.S. SMB owners and highlights demand for payment flexibility, dispute protection and digital tools.

In its latest analysis published on April 20, 2026, PYMNTS found that 43.3% of respondents would pay for the ability to make purchases in installments. Another 46% would pay for a business credit card that lets them adjust payment deadlines based on when funds become available, while 42.9% would pay for longer payment terms. Some 63% said business credit cards were best suited to handling payment disputes and refunds. The report did not disclose how much respondents were willing to pay.

PYMNTS Intelligence and Mastercard studied the shift in payment practices among U.S. small and medium-sized businesses, surveying 412 business owners and executives from December 2 to December 20, 2025. Cash and checks remain embedded in supplier payments, invoice approvals and treasury management. Digitization therefore involves more than replacing payment tools; it also affects cash-flow visibility and businesses’ ability to grow.

The report, released on February 25, 2026, found that 45% of respondents were highly interested in reducing their reliance on cash. A March 6 analysis found that 63% viewed business credit cards as the best option for handling disputes and refunds, while 59% valued being able to pay without having cash on hand. In an April 6 roundtable case study, The Nourish Spot said about 85% of its revenue was already received through digital payments. The research did not disclose transaction values.