How Real Time Settlement Is Rewiring Merchant Cash Flow

Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies · Oct 28, 2026 · 10m · transcript

Merchant settlement delays have long been a hidden tax on small business liquidity, but real-time payment rails are changing that dynamic. In this episode, we look at how instant settlement is reshaping the working capital models of retailers and service providers. We examine the specific mechanics of same-day funding, the friction points in legacy banking infrastructure, and why this shift matters more for cash flow management than revenue growth. With the market environment shifting toward faster money movement as of October twenty-eighth twenty twenty-six, understanding these structural…