Once considered a luxury, instant payouts are quickly becoming an expectation. From e-commerce refunds to gig worker payouts, modern consumers don’t want to wait days to access their disbursements.
In the United States, 41% of consumers now receive disbursements instantly, a dramatic increase from just 10% in 2018. And although Canada often lags behind in payments technology, the message is clear: speed is no longer a bonus—it’s a baseline.
As expectations shift and urgency becomes the norm, Canadian businesses have an opportunity and responsibility to modernize how they pay. In this article, we’ll explore why instant disbursements are gaining ground, how Interac e-Transfer is leading the way in Canada, and how your business can keep pace with the demand for real-time payouts.
Instant payments aren’t just convenient. They provide greater control, certainty, and peace of mind. Whether someone is waiting on a refund, an insurance payout, or gig income, fast access to funds can reduce stress and increase trust in the brand delivering them.
In fact, research shows that people who receive disbursements instantly report up to 17% higher satisfaction than those who wait for traditional methods like cheques or delayed bank transfers. The preference is especially strong among those receiving frequent or high-value payments, many of whom are willing to pay a small fee for the speed and certainty of getting their money right away.
In early 2025, more than a third of disbursement recipients said they would accept a fee in exchange for faster access to their funds. This willingness reflects a longing for reliability, autonomy, and financial confidence when it comes to getting paid.
As financial pressures bubble across the globe, businesses that offer instant options are meeting more than a demand for speed but a need to feel secure and in control.
When it comes to real-time disbursements, Canada still has limited options. Here at home, one of the only widely available, real-time solutions today is Interac e-Transfer.
That’s not a bad thing, because Interac is trusted, secure, and already deeply embedded in Canadians’ daily lives. In 2024 alone, Canadians sent over 1.4 billion Interac e-Transfers. It’s familiar, fast, and widely supported across all major financial institutions.
For businesses, Interac e-Transfer for Business unlocks even more capability. It allows companies to:
From gig economy platforms to government and insurance providers, more Canadian organizations are turning to Interac e-Transfer to meet rising expectations around speed and simplicity (and to stay competitive in a market that increasingly runs in real time).
Does your business have a use case for real-time disbursements? Here are some of the most common (and impactful) ways Canadian businesses could use instant disbursements:
In every case, faster payments lead to happier recipients, fewer service issues, and a more modern brand experience.
Real-time payouts don’t just benefit the people receiving them. They create measurable advantages for the businesses sending them. Here’s how:
Offering real-time payouts doesn’t have to mean rethinking your entire financial infrastructure. At DCGroup, we make it simple to move money faster, smarter, and more securely, all through our Interac e‑Transfer offering.
Whether you're sending one payout or thousands, our platform is designed to handle it with ease. With real-time bulk disbursements, auto-deposits, and recurring payment capabilities, DCGroup helps you deliver instant value without the delays, costs, or complexity of legacy systems.
From insurance companies streamlining claims payments to lenders and gig platforms automating client payouts, DCGroup helps businesses across sectors send money instantly, securely, and at scale.
Ready to make real-time payouts a reality for your business? Book a demo with DCGroup to see how our Interac e‑Transfer solutions can streamline your disbursements, reduce costs, and deliver a better experience instantly.