Business owners juggle payment methods daily, each with tradeoffs in speed, cost, and reliability. ACH transfers move funds reliably but take days to settle. Card payments offer convenience yet charge steep fees and risk chargebacks. Instant settlement emerges as the clear winner for businesses needing cash now.

ACH shines for bulk payouts like salaries, with low costs and high security through batch processing. Delays of one to five days strain working capital, making it unfit for urgent needs.

Card networks provide smooth customer experience at point of sale or online. Fees of two to four percent per transaction erode profits, while disputes create refunds that hit revenue hard.

Instant settlement changes everything with funds available in seconds via QR codes or links. Lytz delivers this through fee free user to user transfers and one percent to banks, eliminating waits and cuts.

For businesses, instant options like Lytz support real time cash flow with tracking and automation. Say goodbye to bridging loans or delayed restocks, and hello to tools that scale with your growth.