市场调查报告书
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1466714
付款闸道市场:按类型、产业划分 - 2024-2030 年全球预测Payment Gateway Market by Type (Hosted, Integrated), Industry (Aerospace & Defense, Automotive & Transportation, Banking, Financial Services & Insurance) - Global Forecast 2024-2030 |
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预计2023年付款闸道市场规模为747.9亿美元,预计2024年将达858.7亿美元,2030年将达2111.8亿美元,复合年增长率为15.98%。
指电子商务服务供应商为电子商务、线上零售商、实体店和传统实体店提供信用卡核准和直接付款处理的高级商家服务。充当商户网站和收单银行之间的中介,促进付款资讯的安全传输。付款闸道在数位经济中至关重要,可确保交易快速且安全地进行,保护敏感的财务资料,并允许企业接受多样化的付款流程。快速成长的电子商务产业和行动商务的成长增加了对付款闸道解决方案的需求。此外,国际贸易的增加需要能够适应不同货币和法规的强大付款闸道。然而,由于相容性问题,将付款闸道整合到某些网路商店或网站平台可能无法实现。此外,儘管取得了进步,但安全漏洞仍然是一个主要问题,并且可能会损害用户的信任。然而,玩家透过使用高级加密通讯协定在传输过程中加密敏感付款资料来解决安全性问题。此外,透过利用机器学习和人工智慧技术,还可以建立即时检测和防止诈欺的预测模型。此外,透过简化交易流程并使其更易于使用,我们可以提高交易的成功率,并为行业开闢新的成长途径。
主要市场统计 | |
---|---|
基准年[2023] | 747.9亿美元 |
预测年份 [2024] | 858.7亿美元 |
预测年份 [2030] | 2111.8亿美元 |
复合年增长率(%) | 15.98% |
类型:中小型企业对託管付款闸道的需求不断增长
託管付款闸道是一种外部付款服务,客户可以从商家的结帐页面重新导向到付款服务供应商(PSP) 平台以完成交易。付款完成后,客户将被重新导向到商家的网站。託管付款闸道对于缺乏资源来实现更高安全合规性或更喜欢依赖第三方服务供应商提供的简单易用的设定的中小型企业非常有用。整合付款闸道提供无摩擦的结帐体验,因为客户可以直接在商家的网站上完成购买,而无需重新导向。应用程式介面 (API) 或安全超文本传输通讯协定(HTTPS)查询用于在商家和付款服务供应商之间安全地通讯付款资讯。大型企业和那些优先考虑客户体验的企业可以选择整合付款闸道。它可以提供无缝的交易流程,有助于提高转换率并控制结帐体验。
产业 银行、金融服务和保险业采用付款闸道来实现无缝、安全的交易
航太和国防工业经常涉及大额交易和国际付款,因此需要安全可靠的付款系统。提供者必须提供强而有力的诈欺预防措施,并遵守《国际武器贸易条例》(ITAR) 和《出口管理条例》(EAR) 等国际法规。该领域专注于无缝 B2C 和 B2B付款体验,特别是考虑到线上车辆购买和全球供应链交易的增加。银行、金融服务和保险 (BFSI) 领域的付款闸道优先考虑安全性、合规性以及与现有金融系统的整合。保险科技公司也整合先进的付款解决方案以改善客户体验。房地产交易的性质需要灵活的付款解决方案,可以处理託管、大额一次性付款以及服务和租金的定期申请。零售公司优先考虑提供快速结帐体验、忠诚度计画整合和全通路付款功能的付款闸道。教育机构需要付款闸道以最低的费用支持学费、捐款和其他学术费用。对于能源和公共事业公司来说,可靠性和支援定期申请的能力至关重要。政府机构需要安全、易于存取且能够支援各种交易类型的付款解决方案。医疗保健付款闸道必须遵守《健康保险互通性与课责法案》(HIPAA) 等法规,并为医疗保健服务提供安全、私密的交易。资讯科技 (IT) 和通讯公司需要灵活的付款解决方案来支援软体授权、订阅和云端服务。製造公司需要多功能的付款解决方案来处理复杂的 B2B 交易和国际贸易。媒体和娱乐产业青睐能够与订阅服务、门票销售和数位内容销售整合的付款闸道。旅游和酒店业需要支援动态定价、季节性费率和大批量交易的付款闸道。
区域洞察
在美洲,特别是在美国和加拿大,付款闸道市场的特点是精通技术的消费者,他们熟悉并适应线上交易。美国在创新方面处于领先地位,多家主要付款闸道供应商都来自该地区。激烈的竞争、对金融科技新兴企业的大量投资以及行动付款的使用正在塑造这个市场。欧洲是一个多元化的市场,其数位化普及程度各不相同。欧盟国家受益于简化跨境贸易的单一市场框架。付款服务指令 2 (PSD2) 和开放银行业务的采用正在推动创新并导致替代付款方式的增加。专利和倡议的重点是提高安全性、整合生物识别和提高交易速度。同时,中东正经历数位转型,对金融科技进行了大量投资。该地区正在迈向无现金社会,阿联酋等国家在采用数位钱包方面处于领先地位。亚太地区的付款闸道市场呈现显着成长,反映了每个国家多样化的消费者需求和购买行为。中国市场先进,二维码付款和区块链技术的创新专利确保了永续的电子商务环境。随着政府数位化的推动,印度的付款闸道生态系统正在蓬勃发展,导致行动钱包使用和统一付款介面(UPI)系统激增。
FPNV定位矩阵
FPNV定位矩阵对于评估付款闸道市场至关重要。我们检视与业务策略和产品满意度相关的关键指标,以对供应商进行全面评估。这种深入的分析使用户能够根据自己的要求做出明智的决策。根据评估,供应商被分为四个成功程度不同的像限:前沿(F)、探路者(P)、利基(N)和重要(V)。
市场占有率分析
市场占有率分析是一种综合工具,可以对付款闸道市场中供应商的现状进行深入而详细的研究。全面比较和分析供应商在整体收益、基本客群和其他关键指标方面的贡献,以便更好地了解公司的绩效及其在争夺市场占有率时面临的挑战。此外,该分析还提供了对该行业竞争特征的宝贵见解,包括在研究基准年观察到的累积、分散主导地位和合併特征等因素。详细程度的提高使供应商能够做出更明智的决策并制定有效的策略,从而在市场上获得竞争优势。
1. 市场渗透率:提供有关主要企业所服务的市场的全面资讯。
2. 市场开拓:我们深入研究利润丰厚的新兴市场,并分析其在成熟细分市场的渗透率。
3. 市场多元化:提供有关新产品发布、开拓地区、最新发展和投资的详细资讯。
4. 竞争评估和情报:对主要企业的市场占有率、策略、产品、认证、监管状况、专利状况和製造能力进行全面评估。
5. 产品开发与创新:提供对未来技术、研发活动和突破性产品开发的见解。
1.付款闸道市场的市场规模和预测是多少?
2.付款闸道市场预测期间内需要考虑投资的产品、细分市场、应用程式和领域有哪些?
3.付款闸道市场的技术趋势和法规结构是什么?
4.付款闸道市场主要厂商的市场占有率为何?
5.进入付款闸道市场合适的型态和策略手段是什么?
[198 Pages Report] The Payment Gateway Market size was estimated at USD 74.79 billion in 2023 and expected to reach USD 85.87 billion in 2024, at a CAGR 15.98% to reach USD 211.18 billion by 2030.
A payment gateway refers to an advanced merchant service provided by an e-commerce service provider to authorize credit card and direct payment processing for e-businesses, online retailers, bricks and clicks, or traditional brick-and-mortar businesses. It acts as the intermediary between a merchant's website and the acquiring bank, facilitating the secure transmission of payment information. Payment gateways are essential in the digital economy, ensuring that transactions are carried out promptly and securely, safeguarding sensitive financial data, and enabling businesses to accept a diverse range of payment processes. The burgeoning e-commerce sector and the growth of mobile commerce have led to a growing need for payment gateway solutions. Additionally, the rise in international trade necessitates robust payment gateways that can handle varying currencies and regulations. However, the integration of the payment gateways with certain online stores or website platforms may not be possible due to compatibility issues. Furthermore, despite advancements, security breaches remain a significant concern, potentially undermining user confidence. However, players are using advanced encryption protocols to encrypt sensitive payment data during transmission, which can combat security concerns. Leveraging machine learning and AI technologies can also help in creating predictive models to detect and prevent fraud in real time. Moreover, streamlining transaction processes to make them more user-friendly can increase transaction success rates and create new avenues of growth for the industry.
KEY MARKET STATISTICS | |
---|---|
Base Year [2023] | USD 74.79 billion |
Estimated Year [2024] | USD 85.87 billion |
Forecast Year [2030] | USD 211.18 billion |
CAGR (%) | 15.98% |
Type: Growing need for hosted payment gateways among small and medium-sized businesses
Hosted payment gateways are external payment services where the customer is redirected away from the merchant's checkout page to the payment service provider's (PSP) platform to complete the transaction. Upon completing the payment, the customer is then redirected back to the merchant's site. Hosted payment gateways are often preferred by small to medium-sized businesses (SMEs) that may lack the resources to implement higher levels of security compliance or those who prefer the simplicity and ease of setup offered by relying on a third-party service provider. Integrated payment gateways provide a frictionless checkout experience as they allow customers to complete purchases directly on the merchant's website without redirection. Application programming interface (API) or hypertext transfer protocol secure (HTTPS) queries are used to communicate payment information securely between the merchant and the payment service provider. Larger businesses or those prioritizing customer experience may opt for an integrated payment gateway. It offers a seamless transaction process that can contribute to higher conversion rates and control over the checkout experience.
Industry: Adoption of payment gateways in the banking, financial services & insurance sector to ensure seamless and secure transactions
The aerospace and defense industry requires highly secure and reliable payment systems due to the sensitive nature of transactions, often involving large sums and international settlements. Providers must offer robust fraud protection and compliance with international regulations such as International Traffic in Arms Regulations (ITAR) or Export Administration Regulations (EAR). This sector focuses on seamless B2C and B2B payment experiences, especially considering the rise in online vehicle purchases and global supply chain transactions. Payment gateways for the banking, financial services, & insurance (BFSI) sector prioritize security, compliance, and integration with existing financial systems. Insurtech companies are also integrating advanced payment solutions to improve the customer experience. The nature of real estate transactions necessitates flexible payment solutions that can handle escrows, large one-time payments, and recurring charges for services or rent. Retailers prioritize payment gateways that offer a fast checkout experience, loyalty program integration, and omnichannel payment capabilities. Educational institutions need payment gateways that support tuition payments, donations, and other school fees with minimal fees. For energy and utility companies, reliability and the ability to handle recurring billing are paramount. Government entities require payment solutions that are secure, accessible, and capable of handling a variety of transaction types. Healthcare payment gateways must comply with regulations such as the Health Insurance Portability and Accountability Act (HIPAA), offering secure and private transactions for medical services. Information Technology (IT) and telecommunication companies require flexible payment solutions that can support software licensing, subscriptions, and cloud services. Manufacturers deal with complex B2B transactions and international trade, requiring versatile payment solutions. The media & entertainment sector favors payment gateways that integrate with subscription services, ticketing, and digital content sales. The travel and hospitality industry needs payment gateways that support dynamic pricing, seasonal rates, and high transaction volumes.
Regional Insights
In the Americas, specifically the United States and Canada, the payment gateway market is characterized by technologically savvy consumers with a high degree of familiarity and comfort with online transactions. The United States leads in innovation with several major payment gateway providers originating from the region. Active competition, substantial investments in fintech startups, and heavy usage of mobile payments shape this market. Europe presents a diverse market with varying levels of digital penetration. The EU countries benefit from a single market framework, which simplifies cross-border transactions. The adoption of Payment Services Directive Two (PSD2) and open banking has fostered innovation, leading to an increase in alternative payment methods. Patents and initiatives focus on enhancing security, integration of biometric authentication, and improving transaction speeds. Meanwhile, the Middle East is witnessing a digital transformation with significant investments in fintech. The region is becoming increasingly cashless, with economies such as the UAE leading in the adoption of digital wallets. The APAC region shows tremendous growth in the payment gateway market, reflecting diverse consumer needs and purchasing behaviors across various countries. China's market is advanced, and its measures to ensure a sustainable e-commerce environment have led to innovative patents in QR code payments and blockchain technology. India's payment gateway ecosystem is thriving due to the government's push for digitalization, leading to a surge in mobile wallet usage and Unified Payments Interface (UPI) systems.
FPNV Positioning Matrix
The FPNV Positioning Matrix is pivotal in evaluating the Payment Gateway Market. It offers a comprehensive assessment of vendors, examining key metrics related to Business Strategy and Product Satisfaction. This in-depth analysis empowers users to make well-informed decisions aligned with their requirements. Based on the evaluation, the vendors are then categorized into four distinct quadrants representing varying levels of success: Forefront (F), Pathfinder (P), Niche (N), or Vital (V).
Market Share Analysis
The Market Share Analysis is a comprehensive tool that provides an insightful and in-depth examination of the current state of vendors in the Payment Gateway Market. By meticulously comparing and analyzing vendor contributions in terms of overall revenue, customer base, and other key metrics, we can offer companies a greater understanding of their performance and the challenges they face when competing for market share. Additionally, this analysis provides valuable insights into the competitive nature of the sector, including factors such as accumulation, fragmentation dominance, and amalgamation traits observed over the base year period studied. With this expanded level of detail, vendors can make more informed decisions and devise effective strategies to gain a competitive edge in the market.
Key Company Profiles
The report delves into recent significant developments in the Payment Gateway Market, highlighting leading vendors and their innovative profiles. These include Adyen, Amazon.Com, Inc., Ant Group Co., Ltd., Apple Inc., BitPay Inc., Block, Inc., BlueSnap Inc., Cardstream Limited, CCBill, LLC, Fiserv, Inc., Flagship Merchant Services, GoCardless Ltd., Infibeam Avenues Limited, Ingenico Group S.A., JPMorgan Chase & Co., Mastercard Incorporated, Merchant Warrior, PayPal Holdings, Inc., PayU Group, Razorpay Software Private Limited, Shift4 Payments, LLC, Skrill Limited, Stripe Inc., Tazapay PTE. LTD., VeriFone, Inc., Visa Inc., Wirecard AG, and Zaakpay.
Market Segmentation & Coverage
1. Market Penetration: It presents comprehensive information on the market provided by key players.
2. Market Development: It delves deep into lucrative emerging markets and analyzes the penetration across mature market segments.
3. Market Diversification: It provides detailed information on new product launches, untapped geographic regions, recent developments, and investments.
4. Competitive Assessment & Intelligence: It conducts an exhaustive assessment of market shares, strategies, products, certifications, regulatory approvals, patent landscape, and manufacturing capabilities of the leading players.
5. Product Development & Innovation: It offers intelligent insights on future technologies, R&D activities, and breakthrough product developments.
1. What is the market size and forecast of the Payment Gateway Market?
2. Which products, segments, applications, and areas should one consider investing in over the forecast period in the Payment Gateway Market?
3. What are the technology trends and regulatory frameworks in the Payment Gateway Market?
4. What is the market share of the leading vendors in the Payment Gateway Market?
5. Which modes and strategic moves are suitable for entering the Payment Gateway Market?