57% of Firms Find Payment Fraud After Settlement

Uncertainty can turn a routine payment problem into a cost that is twice as large. That gap sits at the center of “ Early Detection: Why Top Performing Firms Focus on Fraud Before It Starts ,” a May edition of The 2026 Certainty Project produced by PYMNTS Intelligence in partnership with Plaid . The report finds that payment fraud and nonclearance cost high-uncertainty firms an average of 42 basis points of revenue, double the 21 basis points reported by low-uncertainty firms.