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市场调查报告书
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1642077

PaaS（支付即服务）：市场占有率分析、产业趋势与统计、成长预测（2025-2030 年）

Payment as a Service - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)
出版日期: | 出版商: Mordor Intelligence | 英文 120 Pages | 商品交期: 2-3个工作天内

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简介目录

支付即服务 (PaaS) 市场规模预计在 2025 年为 145.2 亿美元，预计到 2030 年将达到 587.7 亿美元，预测期内（2025-2030 年）的复合年增长率为 32.26%。

支付即服务-市场-IMG1

在当前情况下，智慧型手机普及率正在上升，刺激了透过行动应用程式销售商品和服务，从而为客户提供轻鬆便捷的购物体验。人们对便利购买商品和服务的需求日益增长，导致了向付款和无现金付款的快速转变。电子商务业务的不断成长将进一步推动全球付款服务供应商市场的发展。

主要亮点

  • 各国正在采取的促进数位和线上贸易的措施预计将促进商业发展。 Mastercard、Visa 和 Rupay 等全球付款网路的出现也推动了 PaaS 市场的扩张，这些支付网路为客户提供了无摩擦的付款处理。
  • 智慧型手机的日益普及以及对线上服务的需求不断增长正在推动持续成长。随着全球对智慧型手机使用的日益重视和互联网的大规模普及，预计它将保持其在市场上的主导地位。此外，随着银行和金融机构提供即时付款服务，越来越多的客户转向线上付款管道。因此，市场对网路付款的需求不断增加。
  • 付款产业经历了重大转型，旧方法现在只需单击即可被新模组取代。此外，PaaS（支付即服务）不仅改变零售格局。银行现在意识到，PaaS 的广泛采用代表着为客户提供可靠选择的机会。因此，对电子商务的日益依赖，尤其是零售业，正在推动 PaaS（支付即服务）市场的发展。
  • 缺乏跨境贸易的全球标准可能会抑制市场发展。由于使用者友善的全球付款系统、国际标准和各国政府法规的差异，银行和企业可能会受到不利影响。这通常需要手动收集和更正资料。
  • 由于全球消费者越来越多地使用和采用线上数位化支付方式，COVID-19 疫情对支付即服务产业产生了重大影响。此外，随着消费者对市场上的付款技术越来越熟悉，支付即服务 (PaaS) 正在经历显着成长。然而，自疫情爆发以来，数位付款的采用率显着增加，携带现金和用现金支付的趋势有所下降，而这一直是支付即服务 (PaaS) 市场的主要成长要素之一。

PaaS（支付即服务）市场趋势

零售业预计将做出重大贡献

  • 随着电子商务产业的快速成长，零售商正迅速采用数位付款技术，为客户提供更便利的体验。根据行动付款大会显示，全球有25亿人喜欢在网路购物。到 2025 年，这一数字预计将增长到 40 亿。根据英国零售商协会 (BRC) 的数据，签帐金融卡占所有交易的 42.6%，而现金占 42.3%。根据英国金融市场统计，英国77% 的零售支出是透过信用卡支付的。
  • 商家越来越多地采用尖端技术来提高其在市场上的存在感和知名度。例如，全球最大的零售商沃尔玛最近宣布将开始接受PayPal Cash MasterCards 用于店内购物。该公司希望与付款提供者合作，允许客户使用PayPal的行动应用程式在沃尔玛商店提取现金或将钱存入他们的帐户。
  • 此外，许多提供付款服务的公司正在扩大业务，以增加其在市场上的份额。例如，全球最广泛的线上零售商线上付款系统Amazon Pay已向当地零售商推出了「先买后付」功能。亚马逊已经在其百货连锁店 Shoppers Stop 推出了这项付款服务，而该线上零售商拥有 5% 的股份，并正在其杂货连锁店 More 安装必要的基础设施。
  • 数位付款的另一个主要好处是能够收集客户资料用于行销目的。这使得零售商能够在顾客造访商店和购买后与顾客建立关係，从而提高顾客获取率和保留率。

亚太地区是成长最快的地区

  • 由于对综合付款解决方案的需求不断增加以及付款技术的进步，亚太地区预计将实现显着成长。此外，该地区智慧型手机普及率和网路普及率的提高也推动了市场的发展。
  • 该地区的国家，包括日本、中国、澳洲、韩国和纽西兰，对经济成长做出了重大贡献。例如，亚洲支付网路（APN）由中国、日本、新加坡、马来西亚、泰国、韩国、纽西兰、越南、印尼、菲律宾和澳洲等 11 个亚洲国家组成，旨在促进该地区的跨境银行交易。
  • 许多以前依赖现金付款的小型零售商已迅速采用数位付款以保持市场竞争力。例如，印度政府推出驱魔计划，强制消费者使用电子付款。
  • 各付款服务提供者也在亚太地区投资，以挖掘不断成长的市场并扩大业务。例如，年收入 470 亿美元的印度数位付款闸道基础设施供应商 Infibeam 打算透过积极推广其旗舰品牌 CCAvenue 来扩大其在数位付款市场的全球影响力。

PaaS（支付即服务）产业概览

PaaS（支付即服务）市场竞争激烈，且分散，付款服务供应商众多。市场参与者不断致力于开发创新产品。供应商越来越注重透过併购来扩大市场占有率并获得市场吸引力。

  • 2022 年 11 月，主要企业首选的全球金融科技平台 Adyen 宣布，北美领先的杂货科技公司 Instacart 已选择该公司作为额外的付款处理合作伙伴。
  • 2022年10月，付款接受技术合作伙伴Ingenico与澳洲领先的付款服务供应商之一Live Payments达成长期策略伙伴关係关係，为零售商和计程车提供无缝便捷的付款和商业解决方案。 Ingenico 将为澳洲各地的 LivePayments 推出其 AXIUM 系列 Android 智慧付款。

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

第四章 市场动态

  • 市场概况
  • 市场驱动因素
    • 智慧型手机的普及和线上服务需求的不断增长
    • 对电子商务平台的依赖日益增加
  • 市场限制
    • 缺乏全球付款标准
  • 产业价值链分析
  • 产业吸引力－波特五力分析
    • 供应商的议价能力
    • 购买者/消费者的议价能力
    • 新进入者的威胁
    • 替代品的威胁
    • 竞争对手之间的竞争强度
  • COVID-19 市场影响

第五章 市场区隔

  • 按服务类型
    • 商家融资
    • 监理合规性
    • 安全和防诈欺
    • 付款应用程式和网关
    • 其他服务
  • 按最终用户产业
    • 零售与电子商务
    • BFSI
    • 饭店业
    • 媒体与娱乐
    • 其他最终用户产业
  • 按地区
    • 北美洲
      • 美国
      • 加拿大
    • 欧洲
      • 英国
      • 德国
      • 法国
      • 其他欧洲国家
    • 亚太地区
      • 中国
      • 日本
      • 韩国
      • 澳洲
      • 其他亚太地区
    • 拉丁美洲
      • 墨西哥
      • 巴西
      • 其他拉丁美洲国家
    • 中东和非洲
      • 阿拉伯聯合大公国
      • 沙乌地阿拉伯
      • 其他中东和非洲地区

第六章 竞争格局

  • 公司简介
    • FIS
    • Thales Group
    • Ingenico Group
    • Agilysys Inc.
    • Paysafe Holdings UK Limited
    • Total System Services Inc.
    • Mastercard
    • PayPal Holdings Inc.
    • Verifone
    • Pineapple Payments

第七章投资分析

第八章 市场机会与未来趋势

简介目录
Product Code: 66524

The Payment as a Service Market size is estimated at USD 14.52 billion in 2025, and is expected to reach USD 58.77 billion by 2030, at a CAGR of 32.26% during the forecast period (2025-2030).

Payment as a Service - Market - IMG1

In the current scenario, the increasing smartphone penetration is proliferating the growth of the sale of goods and services extensively through mobile apps to assist customers by providing an easy and convenient shopping experience. The rise in demand for easy and convenient purchases of goods and services resulted in a radical shift toward digital and cashless payments. The increase in e-commerce business further boosts the global payment service provider market.

Key Highlights

  • The business is anticipated to increase due to efforts being made in numerous nations to promote digital and online transactions. The expansion of the PaaS market is also expected to be aided by the advent of payment networks like Mastercard, Visa, and Rupay on a global scale for the processing of smooth payments for clients.
  • The increased demand for smartphone penetration and the incorporation of online services is experiencing continuous growth. It is expected to maintain its dominance in the market with an increase in emphasis on smartphone usage and massive internet penetration across the world. In addition, customers are using online payment channels more frequently as banks and financial institutions provide real-time payment services. Therefore, demand for online payments is experiencing a continuous rise in the market.
  • The payment industry has experienced a significant transformation, and the old methods are replaced with new modules with a single click. Moreover, payment as a service (PaaS) is not only changing the scene for retailers. Banks are now realizing that the rise in PaaS use is an opportunity to give their clients a reliable choice. Thus, the increasing dependence on e-commerce, especially in retail, drives the payment as a service market.
  • The absence of a global standard for cross-border transactions could restrain the market. Due to the lack of a worldwide payment system that is simple to use, international standards, and differing government rules in different countries, banks and businesses may be negatively impacted. This frequently necessitates manual intervention to gather and correct data.
  • The COVID-19 pandemic has significantly impacted the payment as a service industry, owing to the increased usage and adoption of online and digitalized payment methods among consumers globally. Additionally, payment as a service is experiencing massive growth as consumers become familiar with the payment technology in the market. However, post-pandemic, there was a significant rise in the adoption of digital payments, reducing the trend of carrying and paying through cash which, in turn, has become one of the primary growth factors for the payment as a service market.

Payment as a Service (PAAS) Market Trends

Retail Sector Expected to be a Significant Contributor

  • Retailers are rapidly adopting digital payment technology to bring more convenient experiences to their customers, owing to the massive growth in the e-commerce industry. According to the Mobile Payments Conference, 2.5 billion people worldwide prefer online shopping. By 2025, the number will grow to 4 billion digital buyers. According to the British Retail Consortium (BRC), debit cards account for 42.6% of all transactions, whereas cash is 42.3%. According to UK Finance, 77% of all UK retail spending was made by cards.
  • Merchants are increasingly implementing cutting-edge technologies to boost their presence and visibility in the market. For instance, the biggest retailer in the world, Walmart, recently said that PayPal Cash Mastercard would be accepted for in-store purchases. The merchant wants to incorporate the payment provider's service so that customers can use the PayPal mobile app to withdraw cash and top up their accounts at Walmart locations.
  • In addition, many companies that offer payment services are growing their operations to boost their market presence. For instance, the world's most extensive online retailer's online payment system, Amazon Pay, rolled out "buy now pay later" capabilities to local retailers. Amazon has already introduced the payments service in the department store chain Shoppers Stop, in which the online retailer owns a 5% stake and sets up the necessary infrastructure at the grocery chain More.
  • Another significant benefit of digital payment is the ability to collect customer data for marketing purposes. This enables retailers to build customer relationships after their visit or purchase and further work toward customer acquisition and retention.

Asia-Pacific to be the Fastest Growing Region

  • The Asia-Pacific region is expected to depict substantial growth owing to the increased demand for integrated payment solutions and advancements in payment technologies in the region. Furthermore, the rise in the penetration of smartphones and internet penetration in the region is propelling the market.
  • Countries in the region, such as Japan, China, Australia, South Korea, and New Zealand, contribute significantly toward the growth. For instance, the Asian Payments Network (APN) is a group of 11 Asian countries that include China, Japan, Singapore, Malaysia, Thailand, South Korea, New Zealand, Vietnam, Indonesia, Philippines, and Australia to promote cross-border banking transactions in the region.
  • Many small retailers earlier relied more on cash but rapidly deployed digital payments to remain competitive in the market. For instance, as the Indian government launched a demonetization program, consumers were forced to use electronic payments.
  • Various payment service providers also invest in the Asia-Pacific region to expand their businesses by tapping the growing market. For instance, the firm Infibeam intends to expand its global presence in the digital payments market by aggressively promoting its flagship brand CCAvenue, a provider of digital payment gateway infrastructure in India with an annual run-rate of USD 47 billion.

Payment as a Service (PAAS) Industry Overview

The payment as a service market is highly competitive and fragmented, owing to the presence of many payment service providers. The market players are consistently focusing on developing innovative products. The vendors increasingly focus on mergers and acquisitions to increase market share and gain market traction.

  • In November 2022, Adyen, the global financial technology platform of choice for leading businesses, announced that Instacart, the leading grocery technology company in North America, has selected the company as an additional payments processing partner.
  • In October 2022, Ingenico, the technological partner in payments acceptance, and Live Payments, one of Australia's leading payment service providers, entered a long-term strategic partnership to equip retailers and taxis with seamless, convenient payment and commerce solutions. Ingenico will roll out its AXIUM range of Android Smart POS for Live Payments across Australia.

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

4 MARKET DYNAMICS

  • 4.1 Market Overview
  • 4.2 Market Drivers
    • 4.2.1 Increased Demand for Smartphone Penetration and Incorporation of Online Services
    • 4.2.2 Increase Dependence on E-Commerce Platform
  • 4.3 Market Restraints
    • 4.3.1 Absence of Global Standards for Payments
  • 4.4 Industry Value Chain Analysis
  • 4.5 Industry Attractiveness - Porter's Five Force Analysis
    • 4.5.1 Bargaining Power of Suppliers
    • 4.5.2 Bargaining Power of Buyers/Consumers
    • 4.5.3 Threat of New Entrants
    • 4.5.4 Threat of Substitute Products
    • 4.5.5 Intensity of Competitive Rivalry
  • 4.6 Impact of COVID-19 on the Market

5 MARKET SEGMENTATION

  • 5.1 By Types of Services
    • 5.1.1 Merchant Financing
    • 5.1.2 Regulatory Compliance
    • 5.1.3 Security and Fraud Protection
    • 5.1.4 Payment Applications and Gateways
    • 5.1.5 Other Services
  • 5.2 By End-user Industry
    • 5.2.1 Retail and E-commerce
    • 5.2.2 BFSI
    • 5.2.3 Hospitality
    • 5.2.4 Media and Entertainment
    • 5.2.5 Other End-user Industries
  • 5.3 By Geography
    • 5.3.1 North America
      • 5.3.1.1 United States
      • 5.3.1.2 Canada
    • 5.3.2 Europe
      • 5.3.2.1 United Kingdom
      • 5.3.2.2 Germany
      • 5.3.2.3 France
      • 5.3.2.4 Rest of Europe
    • 5.3.3 Asia-Pacific
      • 5.3.3.1 China
      • 5.3.3.2 Japan
      • 5.3.3.3 South Korea
      • 5.3.3.4 Australia
      • 5.3.3.5 Rest of Asia-Pacific
    • 5.3.4 Latin America
      • 5.3.4.1 Mexico
      • 5.3.4.2 Brazil
      • 5.3.4.3 Rest of Latin America
    • 5.3.5 Middle East and Africa
      • 5.3.5.1 United Arab Emirates
      • 5.3.5.2 Saudi Arabia
      • 5.3.5.3 Rest of Middle East and Africa

6 COMPETITIVE LANDSCAPE

  • 6.1 Company Profiles
    • 6.1.1 FIS
    • 6.1.2 Thales Group
    • 6.1.3 Ingenico Group
    • 6.1.4 Agilysys Inc.
    • 6.1.5 Paysafe Holdings UK Limited
    • 6.1.6 Total System Services Inc.
    • 6.1.7 Mastercard
    • 6.1.8 PayPal Holdings Inc.
    • 6.1.9 Verifone
    • 6.1.10 Pineapple Payments

7 INVESTMENT ANALYSIS

8 MARKET OPPORTUNITIES AND FUTURE TRENDS