Fast, frictionless bill payments are an imperative in today’s digital environment.

That’s according to ACI Worldwide’s 2025 Speedpay Pulse Report, the largest and longest running consumer survey of America’s billing, payment and communication preferences. It found that digital has become the go-to payment method for consumers of all ages, with billers’ websites and mobile apps, along with banks’ websites, topping the charts as the preferred channels for monthly bill payments.

The report reveals that a significant proportion of consumers— three in 10 — made urgent or same-day bill payments in the past 12 months, with Gen Z and millennials especially displaying a preference for faster payments. The results highlight the importance of integrating digital bill payment channels with faster,

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