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市场调查报告书
商品编码
1922850

日本付款闸道市场规模、份额、趋势及预测（按应用、互动方式及地区划分），2026-2034年

Japan Payment Gateways Market Size, Share, Trends and Forecast by Application, Mode of Interaction, and Region, 2026-2034
出版日期: | 出版商: IMARC | 英文 118 Pages | 商品交期: 5-7个工作天内

价格
简介目录

2025年，日本付款闸道市场规模达16.246亿美元。 IMARC集团预测，到2034年，该市场规模将达到26.484亿美元，2026年至2034年的复合年增长率（CAGR）为5.58%。推动市场成长的因素包括：无现金交易的日益普及、非接触式零售需求的成长、政府主导的数位化奖励、忠诚度计画与电子钱包的整合、金融科技的扩张、API驱动型闸道的创新、开放银行标准的实施、符合APPI标准的数据处理、嵌入式金融解决方案，以及乐天支付、PayPay和LINE Pay等平台之间日益增强的互通性。

日本付款闸道市场的发展趋势：

数位零售转型和向无现金交易的转变

日本零售业，包括便利商店、百货连锁店和旅游服务业，正经历数位化转型，这主要得益于消费者对非接触式和线上支付方式日益增长的偏好。在这转型过程中，付款闸道已成为确保客户、商家和金融机构之间交易流程顺畅的关键。零售商正在加速采用支援即时支付、相容于国内电子钱包以及整合会员积分计划的网关解决方案。竞争优势的核心在于能够以最小的摩擦实现跨平台交易。这正在重塑日本付款闸道的市场份额，尤其是那些能够有效支援与乐天支付、PayPay 和 LINE Pay 等国内平台互通性的供应商。政府对无现金支付基础设施的支持措施，例如无现金退款计划和数位花园城市计划，进一步强化了这一趋势。这些措施正在加速电子支付系统的普及，尤其是在传统上依赖现金的中小型企业。根据2025年2月至3月在日本进行的一项调查，信用卡已成为最常用的非现金支付方式，73%的受访者表示经常使用。同时，仅有7.2%的受访者表示他们日常交易完全依赖现金。提供库存管理、分析和客户关係管理（CRM）工具等整合服务的支付付款闸道，在零售商的数位转型策略中正日益受到重视。随着这些系统的扩展，网路安全措施、系统运作以及遵守日本《个人资讯保护法》（APPI）的资料在地化要求，仍然是供应商关注的重点。

将金融科技解决方案与开放银行标准融合

随着提供更快、更低成本、更可客製化交易服务的金融科技平台的崛起，日本的支付生态系统正在迅速重塑。金融科技公司正积极利用API将付款闸道与P2P借贷、数位钱包和订阅收费等服务整合。这推动了注重柔软性、自动化和开发者友善介面的网关解决方案的普及。对无缝整合到企业系统的需求日益增长，尤其是在SaaS平台、线上教育提供者和行动应用程式领域。企业为提升客户体验和减少营运瓶颈所做的努力，大大促进了日本付款闸道市场的成长。同时，受《银行法》修订的推动，日本正向开放银行转型，这扩大了金融API的存取权限，并使持牌企业能够与网关提供者合作，提供个人化的即时支付服务。 2024年3月5日，Stripe启动了「Tour Tokyo 2024」策略计划，旨在透过支持数位化优先型企业和实现本地支付基础设施现代化，加强其在日本市场的地位。此次宣传活动重点介绍了Stripe与日本企业的合作，以及其不断扩展的客製化支付工具套件，这些工具可用于国内和跨境交易。金融机构优先考虑能够实现资料共用和即时核准，同时​​严格遵守《个人资讯保护法》（APPI）和金融厅相关规定的合作伙伴。在这种环境下，能够支援多通路编配、代币化和无缝对帐的付款闸道更具优势。日本付款闸道市场的整体前景受到监管支持、数位创新以及对可扩展基础设施日益增长的需求等因素的共同影响，这些基础设施旨在支持跨不同服务领域的嵌入式金融。

本报告解答的关键问题

  • 日本付款闸道市场目前发展状况如何？未来几年又将如何发展？
  • 日本付款闸道市场按应用领域分類的组成是怎样的？
  • 日本付款闸道市场依互动模式分類的组成是怎样的？
  • 日本付款闸道市场按地区分類的市场组成是怎样的？
  • 日本付款闸道市场价值链的不同阶段有哪些？
  • 日本付款闸道市场的主要驱动因素和挑战是什么？
  • 日本付款闸道市场的结构是怎么样的？主要参与者有哪些？
  • 日本付款闸道市场竞争有多激烈？

目录

第一章：序言

第二章：调查范围与调查方法

  • 调查目标
  • 相关利益者
  • 数据来源
  • 市场估值
  • 调查方法

第三章执行摘要

第四章 日本付款闸道市场：简介

  • 概述
  • 市场动态
  • 产业趋势
  • 竞争资讯

第五章：日本付款闸道市场：现状

  • 过去和当前的市场趋势（2020-2025）
  • 市场预测（2026-2034）

第六章：日本付款闸道市场：按应用细分

  • 大公司
  • 微企业和小型企业
  • 中型公司

7. 日本付款闸道市场－以互动方式细分

  • 託管付款闸道
  • 专业/自架付款闸道
  • API/非託管付款闸道
  • 本地银行综合型
  • 直接付款闸道
  • 基于平台的付款闸道

第八章：日本付款闸道市场：依地区划分

  • 关东地区
  • 关西、近畿地区
  • 中部地区
  • 九州和冲绳地区
  • 东北部地区
  • 中国地区
  • 北海道地区
  • 四国地区

第九章：日本付款闸道市场：竞争格局

  • 概述
  • 市场结构
  • 市场公司定位
  • 关键成功策略
  • 竞争对手仪錶板
  • 企业估值象限

第十章主要企业概况

第十一章：日本付款闸道市场：产业分析

  • 驱动因素、限制因素和机会
  • 波特五力分析
  • 价值链分析

第十二章附录

简介目录
Product Code: SR112026A32893

The Japan payment gateways market size reached USD 1,624.6 Million in 2025 . Looking forward, IMARC Group expects the market to reach USD 2,648.4 Million by 2034 , exhibiting a growth rate (CAGR) of 5.58% during 2026-2034 . Cashless adoption, contactless retail demand, government-backed digital incentives, loyalty and wallet integrations, fintech expansion, API-driven gateway innovation, open banking standards, APPI-compliant data handling, embedded finance solutions, and rising platform interoperability across Rakuten Pay, PayPay, and Line Pay are some of the factors positively impacting the market.

JAPAN PAYMENT GATEWAYS MARKET TRENDS:

Digital Retail Transformation and Shift Toward Cashless Transactions

Japan's retail landscape is undergoing a digital transition, driven by rising consumer preference for contactless and online payments across various sectors including convenience stores, department chains, and travel services. As this shift unfolds, payment gateways have become essential for ensuring seamless transaction flows between customers, merchants, and financial institutions. Retailers are increasingly integrating gateway solutions that support real-time settlement, compatibility with domestic e-wallets, and loyalty program integration. The competitive edge now lies in the ability to facilitate transactions across multiple platforms with minimal friction. This has redefined the Japan payment gateways market share, especially among providers who can effectively support interoperability with local platforms such as Rakuten Pay, PayPay, and Line Pay. The trend is further reinforced by government support for cashless payment infrastructure through programs like the Cashless Rebate Scheme and the Digital Garden City initiative. These efforts have accelerated merchant adoption of electronic payment systems, particularly in small to mid-sized enterprises that were previously cash-dependent. According to a survey conducted in Japan between February and March 2025, credit cards emerged as the most commonly used cashless payment method, with 73% of respondents indicating regular usage. In contrast, only 7.2% reported relying exclusively on cash for their daily transactions. Gateways that offer bundled services-such as inventory management, analytics, and CRM tools-are gaining preference in retail digital transformation strategies. As these systems are scaled, attention to cybersecurity, system uptime, and data localization requirements under Japan's Act on the Protection of Personal Information (APPI) remains a key priority for vendors.

Integration of Fintech Solutions and Open Banking Standards

Japan's payment ecosystem is increasingly shaped by the emergence of fintech platforms that offer faster, cheaper, and more customizable transaction services. Fintech firms are actively leveraging APIs to integrate payment gateways with services such as peer-to-peer lending, digital wallets, and subscription billing. This has led to increased adoption of gateway solutions that prioritize flexibility, automation, and developer-friendly interfaces. The demand for frictionless integration into enterprise systems-especially among SaaS platforms, online education providers, and mobile applications-has significantly contributed to Japan payment gateways market growth, as businesses aim to modernize customer experiences while reducing operational bottlenecks. Simultaneously, Japan's move toward open banking-underpinned by regulatory amendments to the Banking Act-has enhanced access to financial APIs, allowing licensed entities to collaborate with gateway providers in delivering personalized, real-time payment services. On March 5, 2024, Stripe launched "Tour Tokyo 2024," a strategic initiative to deepen its presence in Japan by supporting digital-first businesses and modernizing local payment infrastructure. The campaign highlights Stripe's partnerships with Japanese enterprises and its expanding suite of payment tools tailored for domestic and cross-border commerce. Institutions are prioritizing partnerships that enable data sharing and instant authorization while maintaining strict compliance with APPI and FSA (Financial Services Agency) requirements. This landscape favors gateways capable of supporting multi-channel orchestration, tokenization, and seamless reconciliation. The broader Japan payment gateways market outlook is shaped by this convergence of regulatory support, digital innovation, and rising demand for scalable infrastructure that accommodates embedded finance across diverse service sectors.

JAPAN PAYMENT GATEWAYS MARKET SEGMENTATION:

Application Insights:

  • Large Enterprises
  • Micro and Small Enterprises
  • Mid-Size Enterprises
  • Large Enterprises
  • Micro and Small Enterprises
  • Mid-Size Enterprises

Mode of Interaction Insights:

  • 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
  • Pro/Self-Hosted Payment Gateways
  • API/Non-Hosted Payment Gateways
  • Local Bank Integrates
  • Direct Payment Gateways
  • Platform-Based Payment Gateways

Regional Insights:

  • Kanto Region
  • Kansai/Kinki Region
  • Central/Chubu Region
  • Kyushu-Okinawa Region
  • Tohoku Region
  • Chugoku Region
  • Hokkaido Region
  • Shikoku Region
  • Kanto Region
  • Kansai/Kinki Region
  • Central/Chubu Region
  • Kyushu-Okinawa Region
  • Tohoku Region
  • Chugoku Region
  • Hokkaido Region
  • Shikoku Region
  • The report has also provided a comprehensive analysis of all the major regional markets, which include Kanto Region, Kansai/Kinki Region, Central/Chubu Region, Kyushu-Okinawa Region, Tohoku Region, Chugoku Region, Hokkaido Region, and Shikoku Region.

COMPETITIVE LANDSCAPE:

The market research report has also provided a comprehensive analysis of the competitive landscape. Competitive analysis such as market structure, key player positioning, top winning strategies, competitive dashboard, and company evaluation quadrant has been covered in the report. Also, detailed profiles of all major companies have been provided.

  • KEY QUESTIONS ANSWERED IN THIS REPORT
  • How has the Japan payment gateways market performed so far and how will it perform in the coming years?
  • What is the breakup of the Japan payment gateways market on the basis of application?
  • What is the breakup of the Japan payment gateways market on the basis of mode of interaction?
  • What is the breakup of the Japan payment gateways market on the basis of region?
  • What are the various stages in the value chain of the Japan payment gateways market?
  • What are the key driving factors and challenges in the Japan payment gateways?
  • What is the structure of the Japan payment gateways market and who are the key players?
  • What is the degree of competition in the Japan payment gateways market?

Table of Contents

1 Preface

2 Scope and Methodology

  • 2.1 Objectives of the Study
  • 2.2 Stakeholders
  • 2.3 Data Sources
    • 2.3.1 Primary Sources
    • 2.3.2 Secondary Sources
  • 2.4 Market Estimation
    • 2.4.1 Bottom-Up Approach
    • 2.4.2 Top-Down Approach
  • 2.5 Forecasting Methodology

3 Executive Summary

4 Japan Payment Gateways Market - Introduction

  • 4.1 Overview
  • 4.2 Market Dynamics
  • 4.3 Industry Trends
  • 4.4 Competitive Intelligence

5 Japan Payment Gateways Market Landscape

  • 5.1 Historical and Current Market Trends (2020-2025)
  • 5.2 Market Forecast (2026-2034)

6 Japan Payment Gateways Market - Breakup by Application

  • 6.1 Large Enterprises
    • 6.1.1 Overview
    • 6.1.2 Historical and Current Market Trends (2020-2025)
    • 6.1.3 Market Forecast (2026-2034)
  • 6.2 Micro and Small Enterprises
    • 6.2.1 Overview
    • 6.2.2 Historical and Current Market Trends (2020-2025)
    • 6.2.3 Market Forecast (2026-2034)
  • 6.3 Mid-Size Enterprises
    • 6.3.1 Overview
    • 6.3.2 Historical and Current Market Trends (2020-2025)
    • 6.3.3 Market Forecast (2026-2034)

7 Japan Payment Gateways Market - Breakup by Mode of Interaction

  • 7.1 Hosted Payment Gateways
    • 7.1.1 Overview
    • 7.1.2 Historical and Current Market Trends (2020-2025)
    • 7.1.3 Market Forecast (2026-2034)
  • 7.2 Pro/Self-Hosted Payment Gateways
    • 7.2.1 Overview
    • 7.2.2 Historical and Current Market Trends (2020-2025)
    • 7.2.3 Market Forecast (2026-2034)
  • 7.3 API/Non-Hosted Payment Gateways
    • 7.3.1 Overview
    • 7.3.2 Historical and Current Market Trends (2020-2025)
    • 7.3.3 Market Forecast (2026-2034)
  • 7.4 Local Bank Integrates
    • 7.4.1 Overview
    • 7.4.2 Historical and Current Market Trends (2020-2025)
    • 7.4.3 Market Forecast (2026-2034)
  • 7.5 Direct Payment Gateways
    • 7.5.1 Overview
    • 7.5.2 Historical and Current Market Trends (2020-2025)
    • 7.5.3 Market Forecast (2026-2034)
  • 7.6 Platform-Based Payment Gateways
    • 7.6.1 Overview
    • 7.6.2 Historical and Current Market Trends (2020-2025)
    • 7.6.3 Market Forecast (2026-2034)

8 Japan Payment Gateways Market - Breakup by Region

  • 8.1 Kanto Region
    • 8.1.1 Overview
    • 8.1.2 Historical and Current Market Trends (2020-2025)
    • 8.1.3 Market Breakup by Application
    • 8.1.4 Market Breakup by Mode of Interaction
    • 8.1.5 Key Players
    • 8.1.6 Market Forecast (2026-2034)
  • 8.2 Kansai/Kinki Region
    • 8.2.1 Overview
    • 8.2.2 Historical and Current Market Trends (2020-2025)
    • 8.2.3 Market Breakup by Application
    • 8.2.4 Market Breakup by Mode of Interaction
    • 8.2.5 Key Players
    • 8.2.6 Market Forecast (2026-2034)
  • 8.3 Central/ Chubu Region
    • 8.3.1 Overview
    • 8.3.2 Historical and Current Market Trends (2020-2025)
    • 8.3.3 Market Breakup by Application
    • 8.3.4 Market Breakup by Mode of Interaction
    • 8.3.5 Key Players
    • 8.3.6 Market Forecast (2026-2034)
  • 8.4 Kyushu-Okinawa Region
    • 8.4.1 Overview
    • 8.4.2 Historical and Current Market Trends (2020-2025)
    • 8.4.3 Market Breakup by Application
    • 8.4.4 Market Breakup by Mode of Interaction
    • 8.4.5 Key Players
    • 8.4.6 Market Forecast (2026-2034)
  • 8.5 Tohoku Region
    • 8.5.1 Overview
    • 8.5.2 Historical and Current Market Trends (2020-2025)
    • 8.5.3 Market Breakup by Application
    • 8.5.4 Market Breakup by Mode of Interaction
    • 8.5.5 Key Players
    • 8.5.6 Market Forecast (2026-2034)
  • 8.6 Chugoku Region
    • 8.6.1 Overview
    • 8.6.2 Historical and Current Market Trends (2020-2025)
    • 8.6.3 Market Breakup by Application
    • 8.6.4 Market Breakup by Mode of Interaction
    • 8.6.5 Key Players
    • 8.6.6 Market Forecast (2026-2034)
  • 8.7 Hokkaido Region
    • 8.7.1 Overview
    • 8.7.2 Historical and Current Market Trends (2020-2025)
    • 8.7.3 Market Breakup by Application
    • 8.7.4 Market Breakup by Mode of Interaction
    • 8.7.5 Key Players
    • 8.7.6 Market Forecast (2026-2034)
  • 8.8 Shikoku Region
    • 8.8.1 Overview
    • 8.8.2 Historical and Current Market Trends (2020-2025)
    • 8.8.3 Market Breakup by Application
    • 8.8.4 Market Breakup by Mode of Interaction
    • 8.8.5 Key Players
    • 8.8.6 Market Forecast (2026-2034)

9 Japan Payment Gateways Market - Competitive Landscape

  • 9.1 Overview
  • 9.2 Market Structure
  • 9.3 Market Player Positioning
  • 9.4 Top Winning Strategies
  • 9.5 Competitive Dashboard
  • 9.6 Company Evaluation Quadrant

10 Profiles of Key Players

  • 10.1 Company A
    • 10.1.1 Business Overview
    • 10.1.2 Services Offered
    • 10.1.3 Business Strategies
    • 10.1.4 SWOT Analysis
    • 10.1.5 Major News and Events
  • 10.2 Company B
    • 10.2.1 Business Overview
    • 10.2.2 Services Offered
    • 10.2.3 Business Strategies
    • 10.2.4 SWOT Analysis
    • 10.2.5 Major News and Events
  • 10.3 Company C
    • 10.3.1 Business Overview
    • 10.3.2 Services Offered
    • 10.3.3 Business Strategies
    • 10.3.4 SWOT Analysis
    • 10.3.5 Major News and Events
  • 10.4 Company D
    • 10.4.1 Business Overview
    • 10.4.2 Services Offered
    • 10.4.3 Business Strategies
    • 10.4.4 SWOT Analysis
    • 10.4.5 Major News and Events
  • 10.5 Company E
    • 10.5.1 Business Overview
    • 10.5.2 Services Offered
    • 10.5.3 Business Strategies
    • 10.5.4 SWOT Analysis
    • 10.5.5 Major News and Events

11 Japan Payment Gateways Market - Industry Analysis

  • 11.1 Drivers, Restraints, and Opportunities
    • 11.1.1 Overview
    • 11.1.2 Drivers
    • 11.1.3 Restraints
    • 11.1.4 Opportunities
  • 11.2 Porters Five Forces Analysis
    • 11.2.1 Overview
    • 11.2.2 Bargaining Power of Buyers
    • 11.2.3 Bargaining Power of Suppliers
    • 11.2.4 Degree of Competition
    • 11.2.5 Threat of New Entrants
    • 11.2.6 Threat of Substitutes
  • 11.3 Value Chain Analysis

12 Appendix