2026 Payment Trends Forecast

Escalating fraud, accelerated digital adoption, and the early emergence of AI-driven change are actively reshaping how consumers and organizations approach bill payments. In 2026, the payments ecosystem is under sustained pressure, forcing billers to raise the bar on security, flexibility, and trust across every interaction.

KUBRA’s 2026 Payment Trends Forecast examines the forces redefining payment behavior today. Rising online fraud and intensifying security concerns are colliding with the continued dominance of digital channels and the decline of checks. Early experimentation with agentic AI offers an early signal of where the market has shifted and where it is heading next.

This report breaks down the trends that matter most right now and outlines what they mean for billers navigating a more complex, higher-risk, and increasingly digital payments environment. It also identifies where organizations should focus to reduce friction, protect revenue, and meet rising customer expectations in real time.

Download the full report to learn:

• How escalating fraud and security fears are changing how customers choose to pay
• Why digital leads, but omni-channel execution is now the true differentiator
• Which payment methods are gaining ground, and why checks are rapidly disappearing
• Where digital wallets, BNPL, and real-time payments fit into the 2026 bill pay landscape
• What early signals of agentic AI mean for bill payments and operational strategy

→ Fill out the form below to access the full white paper and stay ahead of today’s rapidly evolving payments landscape.