The Majority of Businesses Manage Payments Through Disconnected Systems, Corefy’s 2025 Study Finds

The Majority of Businesses Manage Payments Through Disconnected Systems, Corefy’s 2025 Study Finds

A new global research has discovered that the majority of companies continue to handle funds via disconnected programs and workflows, a apply that limits visibility and management as fee complexity will increase.

The findings have been revealed in Corefy’s annual research report, The State of Payment Maturity 2025: A Global Study on Payment Stacks and Orchestration Readiness. Based on 672 accomplished assessments from companies worldwide, the research presents an in depth take a look at how fashionable fee stacks are evolving.

Fragmentation stays the dominant actuality

While the report reveals that handbook fee dealing with has been practically eradicated (falling to just 1.0 per cent), operational maturity still lags behind the complexity that companies are at present taking over.

According to the data, fragmentation stays the dominant market actuality:

Moving past basic acceptance

The research also signifies a clear shift away from basic, one-step fee acceptance and towards deeper operational functionality.

Currently, only 38.5 per cent of companies rely totally on basic fee acceptance. In distinction, 23.9 per cent report utilizing advanced operational performance, which incorporates managing refunds, chargebacks, and analytics.

Furthermore, a smaller however notable share of respondents (8.3 per cent) studies the adoption of artificial intelligence and machine studying (AI/ML) automation. This suggests that as transaction volumes and performance pressures rise, more groups are starting to automate their decisioning, monitoring, and exception dealing with processes.

The rise of multi-provider portfolios

Denys Kyrychenko, co-founder and CEO at Corefy

Provider connectivity data from the report illustrates why ‘payments as an operating model’ is turning into a defining actuality for the business.

While one-third of companies (33.5 per cent) still run on a single supplier, multi-provider setups are now more and more frequent. In combination, 37.1 per cent of companies now handle portfolios consisting of 5 or more suppliers. According to Corefy, this creates an working setting the place routing logic, fallback design, unified reporting, and reconciliation self-discipline transition into structural necessities.

Denys Kyrychenko, co-founder and CEO at Corefy, commented on the findings:
“The industry has largely solved access to providers. What remains unsolved for many businesses is control. Multi-provider portfolios demand standardised flows, centralised routing logic, and the ability to make changes without rebuilding infrastructure each time.”

Corefy is a global fee orchestration platform designed for on-line companies and fee establishments. The platform helps over 600 ready-made integrations with fee service suppliers and acquirers worldwide, including direct integrations with Google Pay, Apple Pay, and Visa. To date, the infrastructure has processed over 1 billion transactions

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