Short answer
It depends on the rail. Lightning payments confirm in seconds, which is why they suit a counter. On-chain Bitcoin usually takes a few minutes. Either way, you wait for the confirmation before handing over goods.
Speed by rail
- Lightning: seconds. Ideal for cafes, trucks, and quick sales.
- On-chain Bitcoin: typically minutes, fine for invoices and larger sales.
- Stablecoins: seconds to minutes depending on the network used.
A useful next read
The Lightning vs. on-chain comparison shows which rail fits which business.
Common misconceptions
- That all crypto is slow. Lightning is effectively instant for everyday amounts.
Things to avoid
- Releasing goods on a 'pending' status. Wait for the confirmed state, always.