付款闸道：市场占有率分析、产业趋势与统计、成长预测（2025-2030）

预计 2025 年付款闸道市场规模为 189.4 亿美元，到 2030 年将达到 405.3 亿美元，预测期间（2025-2030 年）的复合年增长率为 16.43%。

此外，由于全球数百万人被隔离，COVID-19 疫情导致全球商品、服务和娱乐的线上销售激增。 ACI Worldwide对来自全球各地线上零售商的数百笔交易进行的研究发现，今年大多数零售业的交易量比往年同期增长了74%，推动了市场成长。

主要亮点

• 近年来，付款方式迅速发展，从代币系统发展到现金池和无现金付款。付款闸道使任何企业（无论是实体商店还是网路零售业）能够透过客户首选的银行收取付款，而不会洩露敏感资料。在所有行业中，整合付款闸道已成为任何组织的基本组成部分之一。此外，预计线上交易的成长将在整个预测期内推动市场扩张。
• 全球电子商务销售额的成长和互联网普及率的提高使得金融服务公司能够为客户提供独特的数位服务，从而推动了付款闸道市场的成长。高速网路的日益普及和普及可能会继续刺激付款闸道市场的扩张。
• 全球对行动付款日益增长的需求也推动了付款闸道市场的发展。预计在预测期内，购买外送外带、电影票、升级智慧型手机游戏等各种交易采用行动付款将推动市场扩张。此外，无论在已开发国家还是开发中国家，这些付款都是使用签帐金融卡卡和信用卡进行的。预计此方面将推动被调查市场的进一步成长。这是因为您可以轻鬆使用智慧型手机付款，并且可以储存您的卡片详细资讯。
• 由于大多数客户都会保存自己的卡片讯息，因此网路攻击窃取资料的案例可能会增加，这是一个限制。此外，偏远地区缺乏网路存取、缺乏跨境付款的国际标准以及各国政府法规不同等其他因素也可能在研究期间抑制市场发展。
• 由于封锁、COVID-19 大流行以及随之而来的封锁导致全球向电子商务的转变，对付款闸道推出产生了不利影响，导致许多付款闸道为电子商务网站的线上购买提供线上付款便利。 。儘管面临疫情危机，市场仍不断扩大。由于 UPI 的重要性日益增加，再加上后疫情时代的环境，预测期内市场可能会见证数位领域的成长。

付款闸道市场趋势

零售业越来越多采用付款闸道

• PayPal、Samsung Pay、Apple Pay、支付宝和微信支付等行动付款应用程式正在迅速被世界各地的零售商和服务机构采用和接受。此外，由于生活方式的改变、日常商业的发展以及网路零售的快速增长，预计这一趋势将在预测期内持续下去。全球对线上零售的需求不断增长预计将推动线上付款的发展，从而在预测期内促进付款闸道市场的发展。
• 零售商正在製定新策略，以便从宅配和网路购物的便利经济中获益。付款闸道作为付款基础设施发挥重要作用。它是现代经济中必不可少的连接点，因为网路购物车、POS 系统和虚拟终端都与付款流程相连。预计这一因素将推动付款闸道市场的成长。
• 所调查的市场正随着消费者行为而改变。无现金经济、行动银行、即时付款、数位商务和日益增强的监管影响是影响零售业的某些趋势。线上付款使消费者的付款过程更加轻鬆和便捷，从而缩短了排队时间，消除了现金问题，并加快了排队速度。
• 推动与本地银行整合的付款闸道需求的关键因素是银行越来越多地采用数位技术。当进行金融交易时，该付款闸道会引导用户到银行，在那里输入他们的财务详细资料。这种付款解决方案设定起来快速又简单，因此在中小型企业中越来越受欢迎。因此，与本地银行整合的付款闸道的需求不断增长，预计将推动零售业付款闸道市场的成长。
• 例如，总部位于印度的PayU被认为是最容易取得的电子商务付款解决方案之一，旨在填补复杂服务供应商留下的空缺。 PayU 受欢迎的原因是其最高的转换率。 Netflix、Airbnb、Bookmyshow 等大公司都使用 PayU 的付款闸道。 2022 年 11 月：10 分钟杂货配送服务 Zepto 已将 CashFreePayments 的付款闸道API 整合到其行动应用程式中，使其能够提供更快、更直观的付款UPI 体验。此网关配有附加价值服务功能，可让更多的商家上网。预计这些倡议将推动市场成长。
• 儘管许多零售商面临物流困难，但自停工以来，电子商务销售额仍有所成长，尤其是杂货和保健食品。例如，在英国，自新冠疫情爆发以来，一些产品的线上零售订单量增加了200%以上。

中国正在经历快速成长

• 阿里巴巴和腾讯等中国巨头率先推出数位商家付款，协助中国经济摆脱现金支付。两家公司的行动付款产品支付宝和微信支付迅速改变了中国的付款格局。它也是世界上最大的之一。
• 中国银联签帐金融卡和信用卡是最受欢迎的卡片品牌。支付宝和微信支付等行动电子钱包和数位钱包目前主导着中国的线上市场，并正在扩展到实体店。以支付宝和微信支付为主导的行动电子钱包和数位钱包占该国电子商务交易的71％。
• 快钱集团、易支付和支付宝等其他公司也在中国提供付款闸道。快钱集团是一家专注于提供线上付款管道服务以促进中国线上商务发展的网路公司。本公司重视产业链发展，拥有80多家金融机构及300多个网路基地台。其拥有超过110万商家合作伙伴，涵盖20个产业，包括网路购物、物流、服饰、旅游、保险和教育。
• 易宝支付也是中国领先的付款服务提供商，致力于透过技术和创新提供更好的电子付款解决方案和增值金融服务。它与中国100多家商业银行有业务往来，是首批获得中国人民银行通用付款许可证的公司之一。

付款闸道产业概览

付款闸道市场高度整合，主要企业包括： PayPal、PayU、Amazon Payments 和 Stripe。

2022 年 11 月 BlueSnap 是一家面向领先 B2B 和 B2C 企业的付款编配平台，它扩大了与顶级电子商务机构objectsource 的合作伙伴关係，以加强与Magento 的整合，以适应不断发展的欧盟市场，为整个欧洲的线上商家提供支援。

2022 年 9 月，英国付款公司 Paysafe 与付款编配平台 Spreedly 合作，为英国和欧洲各地的商家提供国际付款支持，重点关注电子商务、零售、旅游、加密货币和金融服务领域。交易成为可能付款闸道。

2022 年 8 月，金融服务平台 Mswipe Technologies 获得了印度储备银行 (RBI) 颁发的付款聚合商 (PA) 许可证。此项批准将允许 Mswipe 开发自己的线上付款闸道。

其他福利：

• Excel 格式的市场预测 (ME) 表
• 3 个月的分析师支持

目录

第 1 章 简介

• 研究假设和市场定义
• 研究范围

第二章调查方法

第三章执行摘要

• 市场概况
• 产业吸引力模型-五力分析
  • 新进入者的威胁
  • 消费者议价能力
  • 供应商的议价能力
  • 替代品的威胁
  • 竞争对手之间的竞争强度
• 产业价值链分析
• COVID-19 市场影响

第四章 市场动态

• 市场驱动因素
  • 电子商务销售额不断成长，网路普及率不断提高
  • 行动付款需求不断成长
  • 零售业越来越多采用付款闸道
• 市场挑战
  • 隐私和安全威胁仍然令人担忧

第五章 市场区隔

• 按类型
  • 託管
  • 非寄主型
• 按公司
  • 中小企业
  • 大型企业
• 按最终用户
  • 旅行
  • 零售
  • BFSI
  • 媒体与娱乐
  • 其他行业
• 按地区
  • 北美洲
  • 欧洲
  • 拉丁美洲
  • 亚太地区
  • 中东和非洲

第六章 竞争格局

• 公司简介
  • PayPal Holdings Inc.
  • Amazon Pay
  • Stripe Inc
  • Skrill Limited
  • PayU Group
  • Adyen NV
  • Payza
  • Ingenico Group
  • Alipay.com
  • Payoneer Inc
  • Paytm Mobile Solutions Pvt. Ltd
  • Verifone Holdings Inc

第七章投资分析

第八章 市场机会与未来趋势

The Payment Gateway Market size is estimated at USD 18.94 billion in 2025, and is expected to reach USD 40.53 billion by 2030, at a CAGR of 16.43% during the forecast period (2025-2030).

Additionally, due to the COVID-19 pandemic, online sales of goods, services, and entertainment grew globally due to millions of people being quarantined worldwide. According to a study by ACI Worldwide of hundreds of transactions from global online retailers, transaction volumes in most retail sectors witnessed a 74% rise in current year compared to the same period last few years, driving the market growth.

Key Highlights

• The payment method has evolved at a dizzying pace in the past few years, from the token system to cash pooling and cashless payments. A payment gateway allows any business, such as brick-and-mortar or online retailing, to collect money through the customer's preferred bank without compromising sensitive data. In every industry, integrating a payment gateway has emerged as one of the essential components of every organization. Additionally, rising online transactions are anticipated throughout the forecast period to fuel market expansion.
• Financial service companies have been able to offer unique digital services to customers due to increased e-commerce sales and the high rate of internet penetration around the world, which helps the growth of the payment gateway market. High-speed internet's rising popularity and availability will continue to fuel the market's expansion for payment gateways.
• The market for payment gateways is also driven by the increasing global demand for mobile-based payments. The use of mobile payments for various transactions, such as purchasing takeout, purchasing cinema tickets, and upgrading smartphone games, is anticipated to fuel the market's expansion over the forecast period. Also, developed and developing nations use debit or credit cards to make these payments. This aspect is anticipated to help the market under study grow even more. This is due to the ease with which payments may be made on smartphones and the ability to save card information on them.
• As most customers save their card details, there is a prone for the rising number of cyber attack cases that steal data which is a restraint. Also, other factors, such as lack of internet access in remote areas, no international standards for cross-border payments, and varying government restrictions in different countries, could restrain the market over the study period.
• Due to a global shift towards e-commerce caused by lockdowns, the COVID-19 pandemic, and the ensuing lockdowns negatively impact the payment gateway market, which has led to the launch of many payment gateways that facilitate online payments for online purchases from e-commerce websites. Due to this, the market has expanded despite the pandemic crisis. Due to UPI's growing importance in the combined post-pandemic environment, the market would experience growth in the digital sector over the projection period.

Payment Gateway Market Trends

Growing adoption of payment gateway in Retail

• Retail stores and services worldwide are rapidly adopting and have integrated mobile payment applications, such as PayPal, Samsung Pay, Apple Pay, AliPay, and WeChat Pay, to accept payments. Further, owing to the changing lifestyles, daily commerce, and rapid growth in online retailing, this trend is expected to continue during the forecast period. The raging demand for online retailing worldwide is expected to drive online payment, propelling the payment gateway market over the forecast period.
• Retailers are developing new strategies to profit from the at-home delivery and online shopping convenience economies. Payment gateways are playing a bigger role in the infrastructure of payments. For online shopping carts, point-of-sale systems, and virtual terminals to link to the payment process, they are a necessary connection point in the modern economy. This factor is expected to drive the growth of the payment gateway market.
• The market studied is changing in line with consumer behavior. The cashless economy, mobile banking, instant payments, digital commerce, and the growing impact of regulatory agencies are a few trends affecting the retail sector. Online payments make the payment process easier and more convenient for consumers, who benefit from shorter lines, cash-on-hand issue elimination, and faster-moving queues.
• The main factor driving the demand for local bank-integrated payment gateway is banks' growing adoption of digital technology. When doing a financial transaction, this payment gateway points users to banks where they can enter their financial information. This payment solution's quick and simple setup has accelerated its uptake in SMEs. Thus the mounting demand for local bank-integrated payment gateway is expected to drive the growth of the payment gateway market for the retail sector.
• For instance, the India-based company, PayU, is considered one of the most accessible e-commerce payment solutions designed to fill in the gaps left by complex service providers. PayU is favored due to the best conversion rates it offers. Notable companies like Netflix, Airbnb, and Bookmyshow use the PayU payment gateway. In November 2022, Zepto, the 10-minute grocery delivery service, would now be able to offer a faster and more intuitive payments UPI experience through the integration of Cashfree Payments' Payment Gateway API into its mobile app. The gateway is equipped with added-value service capabilities to bring more merchants online. Such initiatives are expected to fuel the growth of the market.
• Since the lockdown, e-commerce sales have increased, particularly for groceries and health products, even though many retailers are struggling with logistics. For instance, online retail order volumes in the United Kingdom have risen by over 200 % on some products since the COVID -19 outbreak.

China to Witness Significant Growth

• Chinese giants, such as Alibaba and Tencent, have pioneered digital merchant payments and are instrumental in the shift away from cash in the Chinese economy. The companies' mobile payments products, Alipay and WeChat Pay, have rapidly reshaped China's payments landscape. They are also among the largest in the world.
• China UnionPay debit and credit cards are the most used card brand. Mobile and digital wallets, such as Alipay and WeChat Pay, currently dominate the country's online market and increase physical stores. The mobile and digital wallets led by Alipay and WeChat Pay account for 71% of e-commerce transactions in the country.
• Other companies such as 99 Bill Corporation, YEEPAY, and Pay Ease also offer payment gateway in China. 99Bill Corporation is an internet organization focusing on providing online payment platform services to facilitate online transactions in China. The company has emphasized developing its industry chain and has over 80 financial institutions with over 300 access points. It has over 1.1 million merchant partners that span 20 industries, including online shopping, logistics, clothing, travel business, insurance, and education, among others.
• YeePay is another leading payment service provider in China, which focuses on offering better e-payment solutions and value-added financial services through technology and innovation. With access to more than 100 commercial banks in China, the company was among the first businesses to obtain a general payment license from the People's Bank of China.

Payment Gateway Industry Overview

The Payment Gateway Market is highly consolidated by prominent players such as PayPal, PayU, Amazon Payments, and Stripe. However, other companies are trying to attain larger market shares through mergers and acquisitions to gain more consumers.

In November 2022, BlueSnap, the payment orchestration platform for leading B2B and B2C businesses, expanded its partnership with the top eCommerce agency, objectsource, to support online sellers across Europe to enhance Magento integration for evolving EU Market.

In September 2022, British payments company Paysafe allied with Spreedly, a payments orchestration platform, to help merchants with their international payments across the UK and Europe would be able to make transactions through Paysafe's payment gateway with a focus on e-commerce, retail, travel, crypto, and financial services sectors.

In August 2022, Financial services platform Mswipe Technologies received an in-principal Payment Aggregator (PA) license from the Reserve Bank of India (RBI). With this approval, Mswipe can develop an in-house online payment gateway.

Additional Benefits:

• The market estimate (ME) sheet in Excel format
• 3 months of analyst support

TABLE OF CONTENTS

1 INTRODUCTION

• 1.1 Study Assumptions and Market Definition
• 1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

• 3.1 Market Overview
• 3.2 Industry Attractiveness Model - 'Porter's Five Forces Analysis'
  • 3.2.1 Threat of New Entrants
  • 3.2.2 Bargaining Power of Consumers
  • 3.2.3 Bargaining Power of Suppliers
  • 3.2.4 Threat of Substitute Products
  • 3.2.5 Intensity of Competitive Rivalry
• 3.3 Industry Value Chain Analysis
• 3.4 Impact of COVID-19 on the Market

4 MARKET DYNAMICS

• 4.1 Market Drivers
  • 4.1.1 Increased e-commerce Sales and the High Internet Penetration Rate
  • 4.1.2 Increase Demand for Mobile Based Payments
  • 4.1.3 Growing adoption of payment gateway in Retail
• 4.2 Market Challenges
  • 4.2.1 Privacy and Security-related Threats Continue to Remain a Concern

5 MARKET SEGMENTATION

• 5.1 By Type
  • 5.1.1 Hosted
  • 5.1.2 Non-Hosted
• 5.2 By Enterprise
  • 5.2.1 Small and Medium Enterprise (SME)
  • 5.2.2 Large Enterprise
• 5.3 By End User
  • 5.3.1 Travel
  • 5.3.2 Retail
  • 5.3.3 BFSI
  • 5.3.4 Media and Entertainment
  • 5.3.5 Other End-user Verticals
• 5.4 BY Geography
  • 5.4.1 North America
  • 5.4.2 Europe
  • 5.4.3 Latin America
  • 5.4.4 Asia Pacific
  • 5.4.5 Middle East and Africa

6 COMPETITIVE LANDSCAPE

• 6.1 Company Profiles
  • 6.1.1 PayPal Holdings Inc.
  • 6.1.2 Amazon Pay
  • 6.1.3 Stripe Inc
  • 6.1.4 Skrill Limited
  • 6.1.5 PayU Group
  • 6.1.6 Adyen NV
  • 6.1.7 Payza
  • 6.1.8 Ingenico Group
  • 6.1.9 Alipay.com
  • 6.1.10 Payoneer Inc
  • 6.1.11 Paytm Mobile Solutions Pvt. Ltd
  • 6.1.12 Verifone Holdings Inc

7 INVESTMENT ANALYSIS

8 MARKET OPPORTUNITIES AND FUTURE TRENDS