This post was originally published on The FinTech Times
A new global study has found that the majority of businesses continue to manage payments through disconnected systems and workflows, a practice that limits visibility and control as payment complexity increases.
The findings were published in Corefy’s annual research report, The State of Payment Maturity 2025: A Global Study on Payment Stacks and Orchestration Readiness. Based on 672 completed assessments from businesses worldwide, the research offers a detailed look at how modern payment stacks are evolving.
Fragmentation remains the dominant reality
While the report shows that manual payment handling has been nearly eliminated (falling to just 1.0 per cent), operational maturity still lags behind the complexity that businesses are currently taking on.
According to the data, fragmentation remains the dominant market reality:
58.5 per cent of companies currently operate with ‘Fragmented payments’, meaning they run transactions through disconnected providers and tools.Only 11.7 per cent of businesses sit in the most advanced segments (categorised as ‘Responsive’ and ‘Agile’), where payments are managed as an adaptive, optimised system.Moving beyond basic acceptance
The study also indicates a clear shift away from basic, one-step payment acceptance and toward deeper operational capability.
Currently, only 38.5 per cent of businesses rely primarily on basic payment acceptance. In contrast, 23.9 per cent report using
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