Flute Data Report: The Visibility Problem

Payment friction doesn’t show up as a line item; it shows up as a customer who never came back, an hour lost to reconciling statements, or payroll delayed while deposits sit in transit.

We surveyed 1,000 U.S. consumers and 210 small-business operators to put numbers to those hidden costs — including why 55% of consumers would reconsider a local business after one bad payment experience.

Read the report to see where friction hides, what customers actually want at checkout, and what a better payment experience looks like.