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市场调查报告书
商品编码
1850369

付款闸道：市场占有率分析、产业趋势、统计数据和成长预测（2025-2030 年）

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

预计到 2025 年，付款闸道市场规模将达到 182.3 亿美元，到 2030 年将达到 401.3 亿美元，在预测期内将维持 15.20% 的强劲复合年增长率。

支付网关市场-IMG1

产业成长主要受数位商务快速扩张、即时支付日益普及以及安全法规日益严格的推动。统一支付介面 (UPI) 和其他即时支付管道的采用，促使支付网关升级以适应更快的身份验证请求；同时，欧洲的 PSD2 强客户认证 (SCA) 法规也加速了令牌化 3DS 支援的部署。重大收购案重塑了规模经济格局，例如 Global Payments 收购 Worldpay 以及 FIS 收购 Global Payments 的发卡机构解决方案部门，这些收购案进一步增强了市场竞争的势头。儘管託管解决方案拥有最大的基本客群，但对资料主权的担忧正在推动自託管架构的发展。此外，由于交换费用上涨和跨境扣回争议帐款诈骗激增，付款闸道市场也面临利润率压力，迫使服务供应商采用先进的反诈骗人工智慧技术。

全球付款闸道市场趋势与洞察

即时支付管道的爆炸性成长加速了亚洲支付网关的普及。

印度的UPI和印尼的BI-FAST的交易成长速度超过了传统的银行卡支付方式。与传统网路相比，处理成本降低50%至90%，促使商家纷纷转向这些支付方式。能够协调80多种即时支付系统认证流程的网关将获得先发优势，尤其是在预计到2027年即时交易量将达到5120亿笔的情况下。亚洲行动优先的消费群将跳过传统的银行卡支付方式，从而加速对能够将各种即时支付方案整合到单一商家系统中的、具有丰富API介面的网关的需求。

跨境电子商务的成长推动了对多币种路由的需求

在国际电商平台上销售产品的欧洲中小企业需要支援智慧货币路由、多种支付方式和本地收单服务的支付网关。预计到2023年，欧洲电子商务市场规模将达到8,870亿欧元（9,600亿美元），跨境交易推动了对动态货币转换和即时外汇风险管理的需求。对于缺乏金融专业知识的中小企业而言，能够提供透明支付并简化监管流程的支付网关极具吸引力。投资本地许可和资料驻留是服务提供者脱颖而出的关键。

机构手续费上涨对微交易网关净利率带来压力

卡组织设定的交换费机制可能会超过5美元以下交易的实际金额，尤其是在采用固定费率定价的情况​​下。 Visa和万事达卡近期推出的「小型商家」计画降低了部分费率，但并未解决数位内容和交通运输等领域的结构性不匹配问题。国会听证会再次引发了对刷卡手续费的审查，加剧了监管的不确定性，使支付网关的定价模式更加复杂。为了在提供商家替代支付选项的同时保障净利率，支付服务商正在尝试基于帐户和电子钱包的微支付方式。

细分市场分析

到2024年，託管式支付网关将占据付款闸道市场62%的份额。许多中小企业倾向于选择将反诈骗工具和货币转换功能整合到单一合约中的託管环境。然而，大型企业则越来越多地转向自託管和混合部署，以自订路由演算法、最大化授权率并满足特定司法管辖区的资料在地化要求。随着监管机构加强对跨境资料流的审查，付款闸道市场规模将继续向灵活的部署选项倾斜。

自託管解决方案预计到 2030 年将以 15.8% 的复合年增长率增长，正吸引着需要直接控制令牌库和诈欺风险模型的医疗保健和金融服务商户。因此，网关供应商提供容器化的微服务，商家可以部署在自己的基础架构上，同时也能连接到云端基础的对帐服务。这种模组化设计允许选择性地驻留数据，同时确保符合严格的客户身份验证要求。此外，这种方法还支援与区域收购方的低延迟连接，从而提高本地市场的核准率。

大型企业预计在2024年贡献全球68%的收入，它们正利用编配引擎将交易路由至数十家收购方机构，从而以基点为单位降低处理成本。这些公司正在其授权逻辑中引入A/B测试，整合即时机器学习讯号，并与冗余网关提供者签订合同，以降低停机风险。随着低成本云端平台和手机支付解决方案降低普及门槛，中小企业付款闸道市场规模可望迎来结构性成长。

中小企业拓展跨境电商业务需要能够自动进行外汇兑换并提供透明定价的支付网关。整合软体供应商将支付功能嵌入会计和销售点 (POS) 系统中，加速商家采用并提高客户留存率。监管机构积极鼓励中小企业数位化，进一步推动了数位化进程。因此，付款闸道市场将出现纯粹的支付促进者与现有面向中小企业的支付处理商之间日益激烈的竞争。

线上付款闸道市场按类型（主机、自架/非託管式）、公司规模（中小企业、大型企业）、通路（线上/网页、行动应用程式内、店内POS（全通路））、终端用户产业（零售和电子商务、旅游和饭店、银行、金融服务和保险（BFSI）、其他）以及地区进行细分。市场预测以美元计价。

区域分析

到2024年，亚太地区将以38%的收入份额引领付款闸道市场，其中印度的UPI、印尼的BI-FAST以及中国无处不在的电子钱包生态系统每天处理数十亿笔即时交易。新加坡的SGQR和东协区域支付互联互通计划等政府倡议正在促进互通性，并推动支持代币的多币种网关的发展，从而连接零售帐户和电子钱包。资料本地化，特别是印度储备银行对本地储存的要求，正促使网关供应商部署区域资料中心并与国内云端服务供应商合作。

到2030年，中东地区将以18.1%的复合年增长率实现最快增长，这主要得益于沙乌地阿拉伯「2030愿景」无现金目标和阿联酋即时付款管道的推出等国家层面的倡议。沙乌地支付公司（Saudi Payments）的Sarie和巴林的BenefitPay等本土支付方案正积极推进与收购方的路由，并向以API为中心的支付网关品牌开放。同时，提供符合伊斯兰教法的资金筹措选项和阿拉伯语支持的外国支付服务商正迅速抢占市场份额。

随着PSD2的实施和欧洲央行推动泛欧即时支付计划，诈欺率趋于稳定，欧洲市场日益成熟，但也蕴藏着巨大的机会。中小企业跨境倡议的兴起，推动了对整合iDEAL、Sofort和Bancontact等支付网关的需求。北美正透过引进FedNow和RTP实现支付现代化，而小额交易网关则因互换费政策而面临成本回收方面的挑战。在巴西Pix和LGPD资料框架的引领下，南美洲正以前所未有的速度从现金支付过渡到行动钱包。非洲分散的银行基础设施需要与行动支付方案相容的支付网关，因此，建立伙伴关係生态系统对于行动支付的普及至关重要。

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

第一章 引言

  • 研究假设和市场定义
  • 调查范围

第二章调查方法

第三章执行摘要

第四章 市场情势

  • 市场概览
  • 市场驱动因素
    • 即时支付管道的普及加速了亚洲支付网关的采用
    • 跨境电子商务的成长推动了对多币种路由的需求，尤其是在欧洲的中小型企业。
    • 监管义务（例如 PSD2-SCA）要求升级到支援令牌化的 3DS 闸道。
    • 先买后付结帐选项的激增导致每次交易的 API 呼叫次数增加。
    • 超市连锁店非接触式钱包的蓬勃发展推动了全通路支付网关的普及
  • 市场限制
    • 不断上涨的支付系统费用正在挤压微交易网关的利润空间。
    • 跨境扣回争议帐款诈骗日益普遍，侵蚀商家的信任。
    • 资料在地化法律（印度、巴西、俄罗斯）使令牌保险箱架构变得复杂。
  • 价值链分析
  • 监理展望
  • 对宏观经济趋势的市场评估
  • 波特五力分析
    • 新进入者的威胁
    • 买方的议价能力
    • 供应商的议价能力
    • 替代品的威胁
    • 竞争对手之间的竞争

第五章 市场规模与成长预测

  • 按类型
    • 託管
    • 自託管/非託管
  • 按公司规模
    • 小型企业
    • 大公司
  • 按频道
    • 线上/网路
    • 行动应用内
    • 店内POS（全通路）
  • 按最终用户行业划分
    • 零售与电子商务
    • 旅游与饭店
    • 银行、金融服务和保险（BFSI）
    • 媒体与娱乐
    • 其他终端用户产业
  • 按地区
    • 北美洲
      • 美国
      • 加拿大
      • 墨西哥
    • 欧洲
      • 德国
      • 英国
      • 法国
      • 北欧国家
      • 其他欧洲地区
    • 亚洲
      • 中国
      • 印度
      • 日本
      • 韩国
      • 东南亚
      • 其他亚洲地区
    • 南美洲
      • 巴西
      • 阿根廷
      • 其他南美洲
    • 中东和非洲
      • 中东
      • GCC
      • 土耳其
      • 其他中东地区
      • 非洲
      • 南非
      • 奈及利亚
      • 其他非洲地区

第六章 竞争情势

  • 市场集中度
  • 策略趋势
  • 市占率分析
  • 公司简介
    • PayPal Holdings Inc.
    • Stripe Inc.
    • PayU Group
    • Amazon Pay（Amazon.com Inc.）
    • Skrill Ltd（Paysafe）
    • Square Inc.（Block）
    • Adyen NV
    • Alipay（Ant Group）
    • WePay（JP Morgan Chase）
    • Authorize.Net（Visa）
    • Checkout.com
    • Razorpay
    • Paytm Payments Gateway
    • Mollie
    • Ingenico（Worldline SA）
    • Payoneer Inc.
    • Worldpay（FIS）
    • Klarna Bank AB
    • Verifone Systems Inc.
    • BlueSnap Inc.

第七章 市场机会与未来展望

简介目录
Product Code: 63865

The payment gateway market size is estimated at USD 18.23 billion in 2025 and is projected to climb to USD 40.13 billion by 2030, reflecting a solid 15.20% CAGR over the forecast period.

Payment Gateway - Market - IMG1

The industry's growth is underpinned by rapid digital-commerce expansion, rising real-time payment adoption, and intensifying regulatory focus on security. Adoption of Unified Payments Interface (UPI) and other instant-payment rails is triggering gateway upgrades that handle high-velocity authentication requests, while Europe's PSD2 Strong Customer Authentication (SCA) rules are accelerating tokenized, 3-DS-ready deployments. Competitive momentum is reinforced by megadeals such as Global Payments' agreement to acquire Worldpay and FIS's purchase of Global Payments' Issuer Solutions arm, which are reshaping scale economics. Hosted solutions retain the largest customer base, yet self-hosted architectures are advancing on data-sovereignty concerns. The payment gateway market also faces margin pressure from interchange-fee escalation and a proliferation of cross-border chargeback fraud, compelling providers to embed advanced fraud-mitigation AI.

Global Payment Gateway Market Trends and Insights

Explosion of Real-Time Payment Rails Accelerating Gateway Adoption in Asia

Real-time payment infrastructure is reshaping gateway demand, with India's UPI and Indonesia's BI-FAST exhibiting transaction growth that outpaces card schemes. Processing cost reductions of 50-90% versus legacy networks incentivize merchants to migrate. Gateways able to orchestrate authentication flows across more than 80 instant-payment systems gain a first-mover advantage, especially as volume is projected to reach 512 billion real-time transactions by 2027. Asia's mobile-first consumer base leapfrogs card rails, accelerating demand for API-rich gateways that can consolidate diverse real-time schemes into single merchant integrations.

Cross-Border E-Commerce Growth Driving Demand for Multi-Currency Routing

European SMEs selling on global marketplaces need gateways that support intelligent currency routing, alternative payment methods, and local acquiring to reduce decline rates. With European e-commerce valued at EUR 887 billion (USD 960 billion) in 2023, cross-border flows elevate demand for dynamic currency conversion and real-time FX risk management. Gateways that mask regulatory complexity while offering transparent settlement attract SMEs that lack treasury expertise. Investments in local licence acquisition and data residency help providers differentiate.

Rising Scheme Fees Squeezing Gateway Margins for Micro-Transactions

Interchange structures set by card networks can exceed the transaction value for sub-USD 5 purchases, particularly when flat-rate components apply. Recent "small merchant" programs by Visa and Mastercard lowered certain rates but have not solved the structural mismatch for sectors like digital content or transit. Congressional hearings have reignited scrutiny of swipe fees, adding regulatory uncertainty that complicates gateway pricing models. Providers are piloting account-to-account schemes and wallet-based micro-payment rails to defend margins while offering merchants alternative acceptance options.

Other drivers and restraints analyzed in the detailed report include:

  1. Regulatory Mandates Forcing Tokenised, 3-DS-Ready Gateways
  2. Surge in BNPL Checkout Options Expanding API Calls per Transaction
  3. Persistent Cross-Border Chargeback Fraud Undermining Merchant Trust

For complete list of drivers and restraints, kindly check the Table Of Contents.

Segment Analysis

Hosted gateways account for 62% of payment gateway market share in 2024 as merchants value outsourced PCI compliance and turnkey onboarding. Many SMEs prefer managed environments that bundle fraud tools and currency conversion under a single contract. Large enterprises, however, increasingly deploy self-hosted or hybrid models to customize routing algorithms, maximize authorization ratios, and meet jurisdiction-specific data-localization mandates. The payment gateway market size will continue tilting toward flexible deployment options as regulators intensify scrutiny of cross-border data flows.

Self-hosted solutions, projected to expand at 15.8% CAGR to 2030, attract merchants in healthcare and financial services that require direct control over token vaults and fraud-risk models. Gateway vendors are therefore offering containerized micro-services that merchants can deploy on owned infrastructure while still connecting to cloud-based reconciliation services. This modularity ensures adherence to Strong Customer Authentication mandates while allowing selective data residency. The approach also supports lower-latency connections to regional acquirers, improving approval rates in local markets.

Large organizations contributed 68% of global revenue in 2024, leveraging orchestration engines that route transactions across dozens of acquirers to shave basis-points off processing costs. These enterprises deploy A/B testing on authorization logic, integrate real-time machine-learning signals, and contract with redundant gateway providers to mitigate downtime risk. The payment gateway market size for SMEs is poised for a structural lift as low-cost cloud platforms and Tap to Phone solutions reduce adoption barriers.

SMEs expanding into cross-border e-commerce require gateways that automate FX conversion and offer straightforward pricing. Integrated Software Vendors embed payment acceptance within accounting and point-of-sale suites, accelerating merchant onboarding and improving stickiness. Progressive regulators encourage SME digitalization, further propelling adoption. Consequently, the payment gateway market will witness intensifying competition between pure-play payment facilitators and established processors courting the SME base.

Online Payment Gateway Market is Segmented by Type (Hosted, Self-/Non-Hosted), Enterprise Size (Small and Medium Enterprises (SME), Large Enterprises), Channel (Online / Web, Mobile In-App, In-Store POS (Omnichannel)), End-User Industry (Retail and E-Commerce, Travel and Hospitality, Banking, Financial Services and Insurance (BFSI), and More), and Geography. The Market Forecasts are Provided in Terms of Value (USD).

Geography Analysis

Asia-Pacific leads the payment gateway market with a 38% revenue share in 2024, anchored by India's UPI, Indonesia's BI-FAST, and China's ubiquitous wallet ecosystems that together process billions of instant transactions daily. Government initiatives such as Singapore's SGQR and the ASEAN Regional Payment Connectivity project promote interoperability, fostering multi-currency gateways capable of tokens bridging retail accounts and wallets. Data-localization edicts, particularly the Reserve Bank of India's on-soil storage requirement, compel gateway vendors to deploy regional data centers or partner with domestic cloud providers.

The Middle East registers the fastest CAGR at 18.1% through 2030, propelled by national-level strategies such as Saudi Arabia's Vision 2030 cashless targets and the UAE's instant-payments platform launch. Domestic schemes like Saudi Payments' sarie and Bahrain's BenefitPay push acquirer-agnostic routing, creating openings for API-centric gateway brands. Foreign providers that combine Sharia-compliant financing options and Arabic-language support expand share swiftly.

Europe remains a sophisticated yet opportunity-rich market as PSD2 enforcement stabilizes fraud ratios and the European Central Bank drives pan-European instant-payment initiatives. Cross-border e-commerce volume from SMEs heightens demand for gateways integrating iDEAL, Sofort, and Bancontact. North America's uptake of FedNow and RTP modernizes settlement, while interchange politics create cost-recovery challenges for micro-transaction gateways. South America, spearheaded by Brazil's Pix and LGPD data framework, is transitioning from cash to mobile wallets at record speed. Africa's fragmented banking infrastructure demands gateways compatible with mobile-money schemes, making partnership ecosystems pivotal for penetration.

  1. PayPal Holdings Inc.
  2. Stripe Inc.
  3. PayU Group
  4. Amazon Pay (Amazon.com Inc.)
  5. Skrill Ltd (Paysafe)
  6. Square Inc. (Block)
  7. Adyen N.V.
  8. Alipay (Ant Group)
  9. WePay (J.P. Morgan Chase)
  10. Authorize.Net (Visa)
  11. Checkout.com
  12. Razorpay
  13. Paytm Payments Gateway
  14. Mollie
  15. Ingenico (Worldline SA)
  16. Payoneer Inc.
  17. Worldpay (FIS)
  18. Klarna Bank AB
  19. Verifone Systems Inc.
  20. BlueSnap Inc.

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 LANDSCAPE

  • 4.1 Market Overview
  • 4.2 Market Drivers
    • 4.2.1 Explosion of real-time payment rails accelerating gateway adoption in Asia
    • 4.2.2 Cross-border e-commerce growth driving demand for multi-currency routing, especially among European SMEs
    • 4.2.3 Regulatory mandates (e.g., PSD2-SCA) forcing upgrades to tokenised 3-DS-ready gateways
    • 4.2.4 Surge in BNPL checkout options expanding API calls per transaction
    • 4.2.5 Contactless-wallet boom in grocery chains spurring omnichannel gateway deployment
  • 4.3 Market Restraints
    • 4.3.1 Rising scheme fees squeezing gateway margins for micro-transactions
    • 4.3.2 Persistent cross-border chargeback fraud undermining merchant trust
    • 4.3.3 Data-localisation laws (India, Brazil, Russia) complicating token-vault architectures
  • 4.4 Value Chain Analysis
  • 4.5 Regulatory Outlook
  • 4.6 Assessment of Macro Economic Trends on the Market
  • 4.7 Porter's Five Forces Analysis
    • 4.7.1 Threat of New Entrants
    • 4.7.2 Bargaining Power of Buyers
    • 4.7.3 Bargaining Power of Suppliers
    • 4.7.4 Threat of Substitutes
    • 4.7.5 Competitive Rivalry

5 MARKET SIZE AND GROWTH FORECASTS (VALUES)

  • 5.1 By Type
    • 5.1.1 Hosted
    • 5.1.2 Self-/Non-Hosted
  • 5.2 By Enterprise Size
    • 5.2.1 Small and Medium Enterprises (SME)
    • 5.2.2 Large Enterprises
  • 5.3 By Channel
    • 5.3.1 Online / Web
    • 5.3.2 Mobile In-App
    • 5.3.3 In-store POS (Omnichannel)
  • 5.4 By End-User Industry
    • 5.4.1 Retail and E-commerce
    • 5.4.2 Travel and Hospitality
    • 5.4.3 Banking, Financial Services and Insurance (BFSI)
    • 5.4.4 Media and Entertainment
    • 5.4.5 Other End-user Industries
  • 5.5 By Geography
    • 5.5.1 North America
      • 5.5.1.1 United States
      • 5.5.1.2 Canada
      • 5.5.1.3 Mexico
    • 5.5.2 Europe
      • 5.5.2.1 Germany
      • 5.5.2.2 United Kingdom
      • 5.5.2.3 France
      • 5.5.2.4 Nordics
      • 5.5.2.5 Rest of Europe
    • 5.5.3 Asia
      • 5.5.3.1 China
      • 5.5.3.2 India
      • 5.5.3.3 Japan
      • 5.5.3.4 South Korea
      • 5.5.3.5 South-East Asia
      • 5.5.3.6 Rest of Asia
    • 5.5.4 South America
      • 5.5.4.1 Brazil
      • 5.5.4.2 Argentina
      • 5.5.4.3 Rest of South America
    • 5.5.5 Middle East and Africa
      • 5.5.5.1 Middle East
      • 5.5.5.1.1 GCC
      • 5.5.5.1.2 Turkey
      • 5.5.5.1.3 Rest of Middle East
      • 5.5.5.2 Africa
      • 5.5.5.2.1 South Africa
      • 5.5.5.2.2 Nigeria
      • 5.5.5.2.3 Rest of Africa

6 COMPETITIVE LANDSCAPE

  • 6.1 Market Concentration
  • 6.2 Strategic Moves
  • 6.3 Market Share Analysis
  • 6.4 Company Profiles (includes Global level Overview, Market level overview, Core Segments, Financials as available, Strategic Information, Market Rank/Share for key companies, Products and Services, and Recent Developments)
    • 6.4.1 PayPal Holdings Inc.
    • 6.4.2 Stripe Inc.
    • 6.4.3 PayU Group
    • 6.4.4 Amazon Pay (Amazon.com Inc.)
    • 6.4.5 Skrill Ltd (Paysafe)
    • 6.4.6 Square Inc. (Block)
    • 6.4.7 Adyen N.V.
    • 6.4.8 Alipay (Ant Group)
    • 6.4.9 WePay (J.P. Morgan Chase)
    • 6.4.10 Authorize.Net (Visa)
    • 6.4.11 Checkout.com
    • 6.4.12 Razorpay
    • 6.4.13 Paytm Payments Gateway
    • 6.4.14 Mollie
    • 6.4.15 Ingenico (Worldline SA)
    • 6.4.16 Payoneer Inc.
    • 6.4.17 Worldpay (FIS)
    • 6.4.18 Klarna Bank AB
    • 6.4.19 Verifone Systems Inc.
    • 6.4.20 BlueSnap Inc.

7 MARKET OPPORTUNITIES AND FUTURE OUTLOOK

  • 7.1 White-space and Unmet-Need Assessment