市场调查报告书
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2024-2032 年按应用程式、互动模式和地区分類的支付网关市场报告Payment Gateways Market Report by Application, Mode of Interaction, and Region 2024-2032 |
2023年全球支付网关市场规模达246亿美元。展望未来, IMARC Group预计到2032年市场规模将达到424亿美元,2024-2032年复合年增长率(CAGR)为6%。网上购物的日益普及、电子商务平台的发展、智慧型手机的广泛使用、数位支付的日益普及以及跨境电子商务的全球扩张是推动市场的一些因素。
支付网关对于现代电子商务至关重要,可促进客户和企业之间安全、便利的线上交易。作为虚拟销售点系统,支付网关可实现数位支付授权、处理和结算。它们在确保线上交易的安全方面发挥着至关重要的作用。他们对敏感的客户资讯(例如信用卡详细资讯)进行加密,以防止未经授权的存取。透过提供安全的支付处理,网关向客户灌输信任和信心,鼓励他们进行线上购买。这些网关是客户、商家和金融机构之间的中介。它们将交易资料安全地传输到收单银行或支付处理商进行授权,并将资金从客户的帐户转移到商家的帐户。它们支援各种支付方式,包括信用卡和金融卡、数位钱包和银行转帐。它们提供与电子商务平台的无缝集成,使企业更容易在线上接受付款并有效管理交易。它们还提供定期计费、行动支付和诈欺侦测等功能,增强企业和客户的整体支付体验。
全球市场主要由支付网关内先进安全功能(例如标记化和加密)的持续发展所推动。同时,适应各种支付方式(包括信用卡/金融卡、数位钱包和银行转帐)的支付网关满足了消费者的多样化需求和偏好,刺激了市场需求。此外,与流行电子商务平台的不断融合也对市场做出了重大贡献。除此之外,对订阅服务不断增长的需求正在对市场产生积极影响。此外,对非接触式支付的需求不断增长正在刺激市场。此外,随着企业寻求确保资料保护和合规性,遵守监管标准的支付网关的需求量很大。此外,对即时支付处理的需求不断增长正在培育市场。人工智慧、机器学习和区块链等快速技术进步正在塑造支付网关的未来。这些技术提高了交易速度、安全性和效率,刺激了市场扩张。
对定期计费和订阅管理的需求不断增加
基于订阅的服务(例如串流媒体平台、软体订阅和会员计划)的日益普及,刺激了对能够处理定期计费和订阅管理的支付网关的需求。提供订阅服务的企业依靠支付网关定期自动处理定期付款,确保无缝、便利的客户体验。支付网关提供强大的订阅管理功能,包括灵活的计费週期、试用期和轻鬆取消订阅,可以满足这些企业的需求并促进市场成长。有效处理定期付款的能力简化了客户的付款流程,并为企业提供稳定且可预测的收入流。
与数位钱包和替代支付方式的日益融合
随着数位钱包和替代支付方式越来越受欢迎,提供与这些选项无缝整合的支付网关正在推动全球市场的发展。 PayPal、Apple Pay 和 Google Pay 等数位钱包为客户提供了方便、安全的付款选项,让他们只需点击几下即可购买。支援这些钱包和替代支付方式的支付网关使商家能够透过满足更广泛受众的偏好来扩大客户群。透过提供多样化的支付选项,支付网关增强了结帐体验,降低了购物车放弃率,并培养了客户忠诚度。
新兴市场对支付网关的需求不断增长
新兴市场正在经历电子商务和数位支付的快速成长。网路普及率的不断提高、智慧型手机的普及以及中产阶级的扩张促进了这些市场的成长。随着这些地区越来越多的企业和消费者接受线上购物,对可靠、安全的支付网关的需求不断增加。满足新兴市场特定需求的支付网关,例如本地语言支援、在地化支付方式以及遵守地区法规,正在推动这些地区的市场成长。支付网关实现跨境交易和提供多货币支援的能力在促进新兴市场的国际电子商务方面也发挥着至关重要的作用。
The global payment gateways market size reached US$ 24.6 Billion in 2023. Looking forward, IMARC Group expects the market to reach US$ 42.4 Billion by 2032, exhibiting a growth rate (CAGR) of 6% during 2024-2032. The rising popularity of online shopping, the growth of e-commerce platforms, the widespread use of smartphones, the increasing digital payment adoption, and the global expansion of cross-border e-commerce are some of the factors propelling the market.
Payment gateways are essential to modern e-commerce, facilitating secure and convenient online transactions between customers and businesses. Acting as a virtual point-of-sale system, payment gateways enable digital payment authorization, processing, and settlement. They play a crucial role in ensuring the security of online transactions. They encrypt sensitive customer information, such as credit card details, to protect it from unauthorized access. By providing secure payment processing, gateways instill trust and confidence in customers, encouraging them to make online purchases. These gateways are intermediaries between the customer, merchant, and financial institutions. They securely transmit transaction data to the acquiring bank or payment processor for authorization and transfer funds from the customer's account to the merchant's. They support various payment methods, including credit and debit cards, digital wallets, and bank transfers. They offer seamless integration with e-commerce platforms, making it easier for businesses to accept payments online and manage transactions efficiently. They also provide features such as recurring billing, mobile payments, and fraud detection, enhancing the overall payment experience for businesses and customers.
The global market is majorly driven by the increasing development of advanced security features within payment gateways, such as tokenization and encryption. In line with this, the payment gateways that accommodate various payment methods, including credit/debit cards, digital wallets, and bank transfers, meet the diverse needs and preferences of consumers, fueling the market demand. Moreover, the rising integration with popular e-commerce platforms is significantly contributing to the market. Apart from this, the growing demand for subscription-based services is positively influencing the market. Furthermore, the escalating demand for contactless payments is catalyzing the market. Besides, the payment gateways that adhere to regulatory standards are in high demand as businesses seek to ensure data protection and compliance. Additionally, the increasing demand for real-time payment processing is fostering the market. Rapid technological advancements, such as artificial intelligence, machine learning, and blockchain, are shaping the future of payment gateways. These technologies improve transaction speed, security, and efficiency, stimulating market expansion.
Increasing demand for recurring billing and subscription management
The growing popularity of subscription-based services, such as streaming platforms, software subscriptions, and membership programs, has fueled the demand for payment gateways that can handle recurring billing and subscription management. Businesses offering subscription services rely on payment gateways to automatically process recurring payments at regular intervals, ensuring a seamless and convenient customer experience. Payment gateways that offer robust subscription management features, including flexible billing cycles, trial periods, and easy subscription cancellation, cater to the needs of these businesses and contribute to market growth. The ability to efficiently handle recurring payments simplifies the payment process for customers and provides businesses with a steady and predictable revenue stream.
Rising integration with digital wallets and alternative payment methods
As digital wallets and alternative payment methods gain popularity, payment gateways that offer seamless integration with these options are driving the market across the globe. Digital wallets, such as PayPal, Apple Pay, and Google Pay, provide customers with convenient and secure payment options, allowing them to make purchases with just a few clicks or taps. Payment gateways that support these wallets and alternative payment methods enable merchants to expand their customer base by catering to the preferences of a wider audience. By offering diverse payment options, payment gateways enhance the checkout experience, reduce cart abandonment rates, and foster customer loyalty.
Growing demand for payment gateways in emerging markets
Emerging markets are experiencing rapid growth in e-commerce and digital payments. The increasing internet penetration, smartphone adoption, and expanding middle class contribute to the growth of these markets. As more businesses and consumers in these regions embrace online shopping, the demand for reliable and secure payment gateways rises. Payment gateways that cater to the specific needs of emerging markets, such as local language support, localized payment methods, and compliance with regional regulations, are driving market growth in these regions. The ability of payment gateways to enable cross-border transactions and offer multi-currency support also plays a crucial role in facilitating international e-commerce in emerging markets.
IMARC Group provides an analysis of the key trends in each segment of the global payment gateways market report, along with forecasts at the global and regional levels from 2024-2032. Our report has categorized the market based on application and mode of interaction.
Large Enterprises
Micro and Small Enterprises
Mid-Size Enterprises
Large enterprises dominate the market
The report has provided a detailed breakup and analysis of the market based on application. This includes large enterprises, micro and small enterprises, and mid-size enterprises. According to the report, large enterprises represented the largest segment.
Large enterprises dominate the market with high website traffic and processing large transactions. As a result, they require robust and reliable payment gateways to handle the checkout process efficiently. They often operate in multiple regions or countries, making it essential to have payment gateways that support international transactions and offer multi-currency capabilities. These gateways facilitate seamless payment processing, allowing enterprises to expand their customer base and reach global markets.
Moreover, large enterprises strongly emphasize providing customers with a seamless and secure payment experience. They require payment gateways that can handle high volumes of transactions without downtime or performance issues. These gateways should have advanced security features, such as encryption and fraud prevention, to protect customer data and instill trust.
Additionally, the demand from large enterprises for effective payment gateways drives innovation in the market. Payment gateway providers strive to develop scalable, reliable, and feature-rich solutions that meet the specific needs of these enterprises. This focus on catering to large enterprises fuels market growth and sets a benchmark for the performance and functionality of payment gateways across the industry.
Hosted Payment Gateways
Pro/Self-Hosted Payment Gateways
API/Non-Hosted Payment Gateways
Local Bank Integrates
Direct Payment Gateways
Platform-Based Payment Gateways
Hosted payment gateways hold the largest share of the market
A detailed breakup and analysis of the market based on the mode of interaction have also been provided in the report. This includes hosted payment gateways, pro/self-hosted payment gateways, API/Non-hosted payment gateways, local bank integrates, direct payment gateways, and platform-based payment gateways. According to the report, hosted payment gateways accounted for the largest market share.
Hosted payment gateways dominate the market by providing a secure and convenient payment processing solution for businesses and customers. These gateways support various payment methods, including credit cards, debit cards, digital wallets, and bank transfers, providing customers flexibility and convenience during checkout. Hosted payment gateways attract a wider customer base and drive market expansion by catering to diverse payment preferences.
Furthermore, these gateways prioritize data encryption and utilize advanced security measures to safeguard sensitive customer data from data breaches and malware attacks. By providing a secure payment environment, hosted payment gateways instill trust and confidence in customers, encouraging them to complete transactions online. Moreover, the convenience, versatility, and strong security features of hosted payment gateways make them the preferred choice for businesses and customers. Their dominance in the market drives innovation and competition, leading to the development of more advanced and user-friendly payment gateway solutions.
North America
Europe
Asia Pacific
Middle East and Africa
Latin America
Asia Pacific exhibits a clear dominance, accounting for the largest market share
The report has also provided a comprehensive analysis of all the major regional markets, which include North America, Europe, Asia Pacific, Middle East and Africa, and Latin America.
The Asia-Pacific dominates the market due to the rapid growth of the e-commerce industry in the region. With a large population and increasing internet penetration, the Asia-Pacific region has witnessed a significant increase in online shopping activities. The rising adoption of smartphones, coupled with the availability of affordable internet services, has contributed to the growth of the e-commerce sector. As a result, there is a growing need for secure and efficient payment gateways to facilitate online transactions.
Furthermore, the region is also home to several emerging economies where e-commerce is experiencing exponential growth. The expansion of the middle class, rising disposable incomes, and changing consumer preferences have fueled the demand for online shopping, driving the need for reliable payment gateways.
Moreover, the region's dynamic and competitive e-commerce landscape has encouraged the adoption of advanced payment technologies and digital payment methods. Payment gateways that offer seamless integration with popular digital wallets, local payment methods, and support for multiple currencies have gained traction, facilitating market growth in the region.
Top payment gateway companies are bolstering the market through innovative solutions, strategic partnerships, and customer-centric approaches. These companies play a crucial role in shaping the payment ecosystem and meeting the evolving needs of businesses and consumers. They invest heavily in research and development to develop cutting-edge technologies and features that enhance the payment experience. They continuously innovate to provide seamless and secure payment processing solutions catering to various industries and business sizes. Furthermore, strategic partnerships with financial institutions, e-commerce platforms, and other stakeholders are catalyzing the market. Collaboration with banks enables these payment gateway companies to offer integrated services and support a wide range of payment methods. Integration with popular e-commerce platforms ensures smooth payment integration for merchants, propelling adoption. The leading companies prioritize customer satisfaction by offering excellent customer support, robust security measures, and user-friendly interfaces. They understand the importance of providing a seamless payment experience for businesses and consumers, driving customer loyalty and market expansion. Additionally, these companies stay ahead of regulatory compliance requirements, ensuring adherence to standards such as Payment Card Industry Data Security Standard (PCI DSS). Compliance with these regulations instills customer trust and confidence, fueling the market.
Adyen
Amazon.com Inc
Authorize.Net (Visa Inc.)
BitPay Inc
JPMorgan Chase & Co.
PayPal Holdings Inc.
PayTm (One97 Communications)
PayU (Naspers Limited)
Razorpay Software Private Limited
Stripe, Inc.
Verifone Inc.
(Please note that this is only a partial list of the key players, and the complete list is provided in the report.)
In 2021, Adyen announced a collaboration with PayPal to expand its payment offerings. Through this collaboration, Adyen integrated PayPal as a payment method into its platform, allowing businesses to offer PayPal as a checkout option for their customers.
In 2020, Amazon Payments Inc. introduced a new feature called "Amazon Pay, Later." This feature allows customers to split their purchases into equal monthly installments, providing more flexibility and affordability. By offering this feature, Amazon Payments Inc. aimed to improve the purchasing power and convenience for customers while driving sales for businesses utilizing the Amazon Pay platform.
In 2019, Authorize.Net, a subsidiary of Visa, announced a collaboration with American Express to enable merchants to accept American Express payments through the Authorize.Net platform. This collaboration aimed to simplify payment acceptance for businesses by providing seamless integration and expanding the range of payment options available to merchants using Authorize.Net.