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.

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.