For a global business, access to payments can change faster than the underlying business itself.
- Neo’s 2024 research found that 95% of surveyed European payment service providers had experienced a bank account closure or restriction. Among those firms, 71% reported minimal transparency or explanation, while the average time required to open a traditional bank account reached 11.5 months.
- A separate 2025 study commissioned by BR-DGE found that 92% of enterprise e-commerce merchants had experienced a payment outage or disruption during the previous two years. Yet only 32% had automated, real-time failover between processors.
Those findings raise a question for CFOs, treasury teams and payment leaders.
How diversified should a company’s payment setup be, and how can that diversity be managed without excessive complexity?
