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市场调查报告书
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1643204

印度的付款闸道：市场占有率分析、行业趋势和成长预测（2025-2030 年）

India Payment Gateway - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)
出版日期: | 出版商: Mordor Intelligence | 英文 100 Pages | 商品交期: 2-3个工作天内

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简介目录

印度付款闸道市场规模预计在 2025 年为 14.2 亿美元，预计到 2030 年将达到 31.3 亿美元，预测期内（2025-2030 年）的复合年增长率为 17.16%。

印度支付网关-市场-IMG1

付款闸道整合已成为任何行业任何业务的最重要方面之一。这样就可以透过客户首选的银行收取资金，而不会洩漏敏感资料。

关键亮点

  • 随着网路越来越普及，消费者越来越意识到网路交易的便利性，偏好对网路付款的偏好也在改变。无障碍交易增强了用户转向网路交易的信心。线上付款的快速普及正在推动印度付款闸道市场的成长。
  • 数位付款是政府「数位印度」计画的核心之一，线上付款管道和服务在全国范围内越来越受欢迎。死亡后，数位付款呈指数级增长，导致付款闸道供应商数量激增。
  • 印度付款闸道市场受到该国日益增长的数位付款趋势的推动。政府倡议有助于加强数位付款领域，凸显向无现金经济的转变。例如，「数位印度计划」是印度政府的旗舰计划，其愿景是将印度转变为数位化社会。
  • Worldline表示，轻资产技术将在不久的将来出现，以建立商家收单业务。轻资产是指透过商家的行动电话而不是传统的销售点设备接受包括卡片在内的所有形式的数位付款。该技术平台允许商家使用行动电话应用程式接受二维码和信用卡付款。这可能会推动印度进一步采用数位化支付。
  • 虽然人们对数位付款的认识和采用正在不断增长，但需要进一步加强数位基础设施，以确保在层级、三层级城市和农村地区的持续覆盖和渗透。小型商家需要经济高效且易于使用的受理工具。小商家通常很难追踪各种可用的方法，包括钱包、UPI 和银行应用程式。
  • 疫情期间，小城市和城镇一直处于数位付款和交易復苏的前沿。印度国家支付公司统一付款介面（UPI）表示，预计新冠疫情将促进交易活性化。据管理印度零售付款系统的统筹组织称，在后疫情时代，UPI 在「物理」世界中的重要性将增强，将实体空间和数位空间结合起来。

印度付款闸道市场趋势

电子商务交易量增加推动市场成长

  • 电子商务交易的成长导致印度采用各种付款闸道。据印度品牌资产基金会称，印度电商产业正在崛起，预计到2034年将超过美国成为全球第二大电商市场。预计2020年电子商务市场规模将达640亿美元，2026年将达2,000亿美元。
  • 各种政府法规正在推动印度电子商务产业的发展。印度允许B2B电子商务领域进行100%的外商直接投资。根据电子商务领域外商直接投资的新指南，在市场/模式电子商务中，可以透过自动途径进行 100% 的外商直接投资。
  • 由于冠状病毒大流行，为避免商家和用户涌向商店和附近的网点，商家将开始以数位方式接受和管理订单，同时要求线上付款。 Flipkart 旗下的 PhonePe 和 Google Pay 允许用户以数位方式识别附近营业的商店，并在透过各自的应用程式付款的同时进行送货。据印度储备银行称，2020 年 4 月 UPI 零售付款交易超过 15,110 亿印度卢比。
  • 新的供应商正在进入电子商务领域，促进了该国各种付款闸道的使用。 2020 年 5 月，信实产业以 JioMart 品牌在 200 个城市启动了其杂货业务的线上扩张。 JioMart 提供的产品包括水果和蔬菜、乳製品和烘焙点心、主食、零食和品牌食品、食品和饮料、个人护理和居家医疗。
  • 信用卡交易量和 UPI 等其他产品的激增也令人鼓舞。据印度储备银行称，2019 年签帐金融卡交易额为 6.8 兆印度卢比，信用卡交易额为 7.1 兆印度卢比，2019 年和 2020 年与前一年同期比较增 21% 和 33%。

有利的政府措施和监管标准推动市场成长

  • 印度储备银行 2020 年 3 月发布的关于付款聚合商 (PA) 和付款闸道(PG) 的指南对于促进印度付款闸道的发展至关重要。除了保障客户资金安全（根据印度储备银行 2009 年关于涉及仲介业者的电子付款交易的指示）之外，新指南还承认 PA 为授权营业单位，赋予它们对资金业务和管理的灵活性和控制力。
  • 根据印度储备银行的新规范，不允许向託管帐户发放贷款和支付利息。 PA的业务构成了指定的付款系统。根据日均余额计算的「核心部分」可以累积利息，然后转入单独帐户，为 PA 提供新的收入来源。
  • 此外，为了透过本土即时付款系统促进付款，政府宣布免除透过 UPI 和 RuPay付款方式进行的交易的商家折扣率 (MDR) 费用。
  • NPCI 也将与印度所得税部门合作，实现透过 UPI 缴税。所有这些倡议都有望推动印度付款闸道的采用。
  • Worldline表示，轻资产技术正在兴起，商家收购也将很快确立。轻资产是指透过商家的行动电话而不是传统的销售点设备接受包括卡片在内的所有形式的数位付款。该技术平台允许商家使用行动电话应用程式接受二维码和信用卡付款。预计这将进一步推动印度数位付款的普及。

印度付款闸道产业概况

印度的付款闸道市场竞争激烈。市场参与企业，有大有小，市场集中度较高。主要参与企业包括 PayU、Paytm、Razorpay Software Private Limited、PayPal India Private Limited、CCAvenue、BillDesk、Instamojo Technologies Private Limited 等。这些公司透过建立多种伙伴关係关係、投资计划和向市场推出新产品来扩大市场占有率。

  • 2022 年 3 月－Razorpay 收购银行创新付款解决方案供应商 IZealiant Technologies。此次收购使我们能够为银行提供卓越的技术基础设施，从而增强最终用户的付款体验。银行是付款生态系统的关键相关人员。收购 IZealiant Technologies 将使两家公司能够为银行打造业界首创的解决方案，为企业及其客户提供世界一流的付款体验。
  • 2021 年 9 月－PayU 收购付款闸道公司 Billdesk。透过此次收购，该公司的付款和金融科技业务 PayU（业务范围涵盖超过 20 个市场）已成为以总付款量（TPV）计算的全球领先线上付款提供者。合併后的公司每年将处理40亿笔交易。由 Prosus 支持的金融科技公司 PayU 收购 Billdesk 正值印度付款产业在 2021 年取得重大进展之际。

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 市场洞察

  • 市场概况
  • 产业吸引力-波特五力分析
    • 供应商的议价能力
    • 消费者议价能力
    • 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 对印度付款闸道市场的影响

第五章 市场动态

  • 市场驱动因素
    • 国内电子商务交易量增加
    • 不断变化的市场条件为新供应商进入市场铺平了道路，持续的技术进步（特别是在安全方面）将进一步支持数位交易的采用
  • 市场问题
    • 印度付款闸道的演变
    • 政府主要措施和监管标准（废除 MDR 和增加现金交易课税）

第六章 市场细分

  • 按组织规模
    • 小型至中型
    • 大规模

第七章 竞争格局

  • 公司简介
    • PayU
    • Paytm
    • Razorpay Software Private Limited
    • PayPal India Private Limited
    • CCAvenue
    • BillDesk
    • Instamojo Technologies Private Limited
    • One MobiKwik Systems Private Limited
    • IMSL-Fiserv
    • Ingenico

第八章投资分析

第九章：市场的未来

简介目录
Product Code: 70237

The India Payment Gateway Market size is estimated at USD 1.42 billion in 2025, and is expected to reach USD 3.13 billion by 2030, at a CAGR of 17.16% during the forecast period (2025-2030).

India Payment Gateway - Market - IMG1

Integrating a payment gateway has become one of the most critical aspects of any business in every industry. It allows collecting money through the customer's preferred bank without compromising sensitive data.

Key Highlights

  • With the increasing internet penetration and awareness about the ease of online transactions, consumers are changing their preferences for making payments online. The hurdle-free transactions generate confidence among the users for switching to online transactions. This rapid adoption of the online payment method is fueling India's payment gateway market growth.
  • Digital payment has been one of the highlights of the government's 'Digital India' initiative, and online payment platforms and services have spread themselves in the country. Post demonetization, digital transactions witnessed a tremendous increase, which led to the sudden emergence of payment gateway vendors.
  • The payment gateway market in India is boosted by an increase in digital payment trends in India. Government initiatives are helping enhance the digital payment space and emphasize moving toward a cashless economy. For instance, the Digital India program is a flagship program of the Government of India with a vision to transform India into a digitally empowered society.
  • As per Worldline, asset-lite technologies will emerge and establish merchant acquiring in the near future. Asset-lite refers to the acceptance of all forms of digital payments, including cards, not on traditional POS machines but merchants' mobile phones. On this technology platform, merchants using an app on their phones will be able to accept payments through QR and cards. This will further increase the adoption of digital costs all over India.
  • Although the awareness and adoption of digital payments are increasing, the digital infrastructure needs to be strengthened further to ensure consistent reach and penetration across the Tier 2 and Tier 3 cities and rural areas. Small merchants need acceptance tools that are cost-effective and easy to enable. In many cases, it is difficult for a micro-merchant to keep tabs on different means such as wallets, UPI, and bank apps.
  • Smaller cities and towns have been at the forefront of digital payments and transactions recovery amid the pandemic. According to the National Payments Corporation of India, Unified Payments Interface (UPI), transactions will see a boost due to the outbreak of Covid-19. The umbrella organization for operating retail payments and settlement systems in India said that the relevance of UPI would grow in the 'physical' world, combining the physical and digital space, in a post-COVID world.

India Payment Gateway Market Trends

Growing E-Commerce Transactions to Drive Market Growth

  • The rise in e-commerce transactions is increasing the adoption of various payment gateways in India. According to the Indian Brand Equity Foundation, the Indian e-commerce industry has been on an upward growth trajectory and is expected to surpass the United States to become the second-largest e-commerce market in the world by 2034. The e-commerce market is expected to reach USD 64 billion by 2020 and USD 200 billion by 2026.
  • Various government regulations are boosting the e-commerce industry in the country. In India, 100% FDI is permitted in B2B e-commerce. As per new guidelines on FDI in e-commerce, 100% FDI under automatic route is allowed in the marketplace model of e-commerce.
  • As merchants and users avoid crowding in shops and neighborhood stores due to the coronavirus pandemic, merchants will start taking and managing orders digitally while requesting online payments. Flipkart-owned PhonePe and Google Pay allowed users to digitally identify neighborhood stores in a customer's locality, which were open and delivering while allowing users to pay them through their respective apps. According to the RBI, UPI transactions for April 2020 exceeded INR 1511 billion for retail payments.
  • New vendors are entering the e-commerce space, which will boost the use of various payment gateways in the country. In May 2020, Reliance Industries launched an online extension of its grocery business under the JioMart brand across 200 cities. Products offered on JioMart include fruits and vegetables, dairy and baked goods, staples, snacks and branded foods, beverages, and personal and home care.
  • The surge in card transactions and other products like UPI has also been encouraging. As per RBI, the transaction value of debit cards stood at INR 6.8 trillion while the transaction value of credit cards stood at INR 7.1 trillion, registering YoY growth of 21% and 33%, respectively, in 2019 & 2020.

Favourable Government Initiatives and Regulatory Standards to Boost the Market Growth

  • The RBI's March 2020 guidelines on Payment Aggregators (PAs) and Payment Gateways (PGs) are crucial to driving the growth of payment gateways in India. Besides protecting customer funds (as per the RBI's 2009 Directions for Electronic Payment Transactions involving Intermediaries), the new guidelines also express recognition of PAs as authorized entities and grant flexibility and control with operations and funds management.
  • Under the new norms of RBI, neither loans nor earning interest is permissible for the escrow account. The PA's operations will constitute designated payment systems. Interest can be accumulated over a 'core portion,' computed based on the average daily outstanding balance, and transferred to a separate account, thus creating a new avenue of income for the PA.
  • Also, to boost payments through home-grown real-time payment systems, the government announced the exemption of Merchant Discount Rate (MDR) charges on transactions via UPI and RuPay payment modes.
  • Besides, NPCI is planning to collaborate with the income tax department of India to enable tax payments using UPI. All these initiatives are expected to increase the adoption of payment gateways in India.
  • As per Worldline, asset-lite technologies will emerge and establish merchant acquisition shortly. Asset-lite refers to the acceptance of all forms of digital payments, including cards, not on traditional POS machines but on merchants' mobile phones. On this technology platform, merchants using an app on their phones will be able to accept payments through QR and cards. This will further increase the adoption of digital payment all over India.

India Payment Gateway Industry Overview

The India Payment Gateway Market is very competitive. The market is highly concentrated due to various small and large players. The major players in the market are PayU, Paytm, Razorpay Software Private Limited, PayPal India Private Limited, CCAvenue, BillDesk, Instamojo Technologies Private Limited, and many more. The companies are increasing the market share by forming multiple partnerships, investing in projects, and launching new products in the market.

  • March 2022 - Razorpay acquired IZealiant Technologies, a provider of innovative payment solutions for banks. The acquisition enables support banks with excellent tech infrastructure that enhances the payment experience for end-users. Banks are key stakeholders in the payments ecosystem. With the acquisition of IZealiant technologies, both companies can build industry-first solutions for banks to create a world-class payments experience for businesses and customers.
  • September 2021 - PayU acquired Billdesk, a payment gateway company. This acquisition helped PayU, the payments and fintech business of the company, which operates in more than 20 markets, emerge as the leading online payment provider globally by total payment volume (TPV). The combined entity will have a total of 4 billion transactions annually. The Prosus-backed fintech firm PayU acquired Billdesk when the Indian payments segment saw huge traction in 2021.

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 INSIGHTS

  • 4.1 Market Overview
  • 4.2 Industry Attractiveness - Porter's Five Forces Analysis
    • 4.2.1 Bargaining Power of Suppliers
    • 4.2.2 Bargaining Power of Consumers
    • 4.2.3 Threat of New Entrants
    • 4.2.4 Threat of Substitutes
    • 4.2.5 Intensity of Competitive Rivalry
  • 4.3 Impact of COVID-19 on the India Payment Gateway Market

5 MARKET DYNAMICS

  • 5.1 Market Drivers
    • 5.1.1 Growing Volume of E-Commerce Transactions in the Country
    • 5.1.2 Evolving Market Landscape To Pave Way For Entry of New Vendors and the Ongoing Technological Advancements (Specifically Focused on Security) to Further Aid Penetration of Digital Transactions
  • 5.2 Market Challenges
    • 5.2.1 Evolution of Payment Gateway Landscape in India
    • 5.2.2 Key Government Initiatives and Regulatory Standards (Removal of MDR and Higher Tax on Cash Transactions)

6 MARKET SEGMENTATION

  • 6.1 By Organization Size
    • 6.1.1 Small and Medium
    • 6.1.2 Large-Scale

7 COMPETITIVE LANDSCAPE

  • 7.1 Company Profiles
    • 7.1.1 PayU
    • 7.1.2 Paytm
    • 7.1.3 Razorpay Software Private Limited
    • 7.1.4 PayPal India Private Limited
    • 7.1.5 CCAvenue
    • 7.1.6 BillDesk
    • 7.1.7 Instamojo Technologies Private Limited
    • 7.1.8 One MobiKwik Systems Private Limited
    • 7.1.9 IMSL-Fiserv
    • 7.1.10 Ingenico

8 INVESTMENT ANALYSIS

9 FUTURE OF THE MARKET