The Ultimate Guide to Increasing Adoption of Instant Payments

Payments

5 min read

Oct 7, 2025

Seamless Payments for the Digital-First Economy

This guide, developed by our product and design team, combines deep product expertise with best practices in UX design and optimization to help you craft a winning instant payments experience.

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Want to craft a winning Instant Payments user experience? This guide, developed by our product and design team, combines deep product expertise with best practices in UX design and optimization.

It draws from research and collaborations with merchants, including Kraken, Guardian, and Mollie, that already leverage the advantages of instant payments today.
In this guide, we will further explore why merchants should incentivize users to choose this option at checkout and strategies they can employ to do so successfully.

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Download the free guide and start building a stablecoin strategy that actually works.

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Download the free guide and start building a stablecoin strategy that actually works.

Instant Payments In Numbers

The rise of Instant Payments and Open Banking has been remarkable, and the numbers prove it.

These figures show that Instant Payments are more than just a passing trend - it’s reshaping the future of payments.

2,800%

growth since 2021

Explosive Growth: Global payment transactions facilitated by Open Banking will hit $116 billion by next year, having increased by 2,800% since 2021.

Source:

Thomas Reuters Legal

2,800%

growth since 2021

Explosive Growth: Global payment transactions facilitated by Open Banking will hit $116 billion by next year, having increased by 2,800% since 2021.

Source:

Thomas Reuters Legal

2,800%

growth since 2021

Explosive Growth: Global payment transactions facilitated by Open Banking will hit $116 billion by next year, having increased by 2,800% since 2021.

Source:

Thomas Reuters Legal

2,800%

growth since 2021

Explosive Growth: Global payment transactions facilitated by Open Banking will hit $116 billion by next year, having increased by 2,800% since 2021.

Source:

Thomas Reuters Legal

regions rolling out

Global Expansion: 70 regions across the world are rolling out open banking infrastructure, with countries like Poland, Finland, and the Netherlands leading adoption.

Source:

Forrester

regions rolling out

Global Expansion: 70 regions across the world are rolling out open banking infrastructure, with countries like Poland, Finland, and the Netherlands leading adoption.

Source:

Forrester

regions rolling out

Global Expansion: 70 regions across the world are rolling out open banking infrastructure, with countries like Poland, Finland, and the Netherlands leading adoption.

Source:

Forrester

regions rolling out

Global Expansion: 70 regions across the world are rolling out open banking infrastructure, with countries like Poland, Finland, and the Netherlands leading adoption.

Source:

Forrester

85%

business adoption

Increasing Adoption: 85% of businesses currently use open banking services, while 76% of consumers connect their financial accounts to third-party tools.

Source:

The Financial Brand

85%

business adoption

Increasing Adoption: 85% of businesses currently use open banking services, while 76% of consumers connect their financial accounts to third-party tools.

Source:

The Financial Brand

85%

business adoption

Increasing Adoption: 85% of businesses currently use open banking services, while 76% of consumers connect their financial accounts to third-party tools.

Source:

The Financial Brand

85%

business adoption

Increasing Adoption: 85% of businesses currently use open banking services, while 76% of consumers connect their financial accounts to third-party tools.

Source:

The Financial Brand

470M

Open Banking users

In 2025, more than 470 million people worldwide are using open banking services. That number is projected to reach 600 million by 2027.

Source:

CoinLaw

470M

Open Banking users

In 2025, more than 470 million people worldwide are using open banking services. That number is projected to reach 600 million by 2027.

Source:

CoinLaw

470M

Open Banking users

In 2025, more than 470 million people worldwide are using open banking services. That number is projected to reach 600 million by 2027.

Source:

CoinLaw

470M

Open Banking users

In 2025, more than 470 million people worldwide are using open banking services. That number is projected to reach 600 million by 2027.

Source:

CoinLaw

What You’ll Learn

Best Practices for Instant Payments Adoption:

Discover proven strategies to seamlessly integrate Instant Payments and drive higher usage.

Checkout Design that Converts:

See before/after screens that highlight how small UI changes can dramatically increase completion rates.

Industry-specific Strategies:

Learn tailored approaches for crypto platforms, trading apps, and global marketplaces.

Conversion-boosting Tactics:

Get actionable tips to reduce friction, lower drop-offs, and maximize adoption at checkout.

Insights from Ivy’s Experts:

Benefit from real-world experience and design know-how from Ivy’s product and design team.

"Instant Payments are fast, secure, and built for today’s digital customer; when done right, they drive higher conversions and lower costs. This guide shares the proven strategies and best-practices we’ve used to optimize every step of the user experience in close collaboration with our partners, so you can convert more users and unlock the full potential of this powerful payment method."

Joshua Becker

Co-Founder & CPO, Ivy

Joshua Becker

Co-Founder & CPO, Ivy

Joshua Becker

Co-Founder & CPO, Ivy

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Ready for the future of money?

SPEAK TO AN EXPERT

Ready for the future of money?

SPEAK TO AN EXPERT

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PRODUCTS

INDUSTRIES

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INTEGRATION

COMPANY

Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.

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