How long it takes to receive a P2P payment depends on the platform, but can be as short as a few minutes when using funds already in the wallet. If the payer has linked their credit card to their digital wallet, the process is also generally fast, though in some cases, it can take around a day to process the transfer. If the funds need to be transferred from the consumer’s bank account, the process can take a few days, as the bank transfer itself is not immediate.