Ion-pairing with electro-inactive metal ions may change drastically the thermodynamic and kinetic reactivity of electron transfer in chemical and biochemical processes. Besides the classical stepwise pathways (electron-transfer first, followed by ion-pairing or vice versa), ion-pairing may also occur concertedly with electron transfer. The latter pathway avoids high-energy intermediates but a key issue is that of the kinetic price to pay to benefit from this thermodynamic advantage. A model is proposed leading to activation/ driving force relationships characterizing such concerted associative electron transfers for intermolecular and intramolecular homogeneous reactions and for electrochemical reactions. Contrary to previous assertions, the driving force of the reaction (defined as the opposite of the reaction standard free energy), as well as the intrinsic barrier, does not depend on the concentration of the ion-pairing agent, which simply plays the role of one of the reactants. Besides solvent and intramolecular reorganization, the energy of the bond being formed is the main component of the intrinsic barrier. Application of these considerations to reactions reported in recent literature illustrates how concerted ion-pairing electron-transfer reactions can be diagnosed and how competition between stepwise and concerted pathways can be analyzed. It provided the first experimental evidence of the viability of concerted ion-pairing electron-transfer reactions.