Paycoin doesn't have instant transaction time, that's what you don't want to understand.

When you send paycoin to another user,it shows up near instantly, but so does Bitcoin and other currency.  When it shows up in your wallet, it doesn't mean that it is confirmed, just that the transaction was sent to the network (but has 0 confirms).  Setup two bitcoin wallets on different computer, send 0.0001 bitcoin from computer A to computer B, it will get to computer B as fast as Paycoin does.

Paycoin doesn't have instant transaction and Paycoin is not that much better than Bitcoin for mainstream in the sense that in order to get 3 confirms the customer would likely have to stay in front of the cash register for a while.  I've seen 30-60 minutes between staking blocks more than once, this means that you would stay at the cash register for that long before the merchant can confirms he did get your money.  This wait is as the CORE of all crypto currencies, this is when the network makes sure that the transaction is valid, that there is enough funds in the input, that the funds weren't already spent (double spend), etc.  (I know block time is usually at or under 1 minute but that still means 3 minutes at the register)

So, don't confuse seeing "You've received 1 XPY" 3 seconds after your withdrawal with instant transaction, it isn't and again every single crypto currency behaves 100% the same way.  The fact that you don't see this when receiving money from places is just that they batch sending money every "some period" to save on transaction fees or for security reasons rather than send them as soon as they get the request.