美国NFC支付市场评估：依设备类型、支付类型、最终用户、地区、机会和预测（2018-2032）

预计2025年至2032年，美国NFC支付市场将以11.04%的复合年增长率成长，从2024年的66.4亿美元成长到2032年的153.4亿美元。美国NFC支付市场正快速扩张，这主要得益于智慧型手机使用量的增加、行动钱包的普及以及对安全非接触式交易需求的成长。

受消费者对快速、安全、便利的数位支付解决方案的需求驱动，美国NFC（近场通讯）支付市场正经历显着成长。消费者正在利用NFC技术，透过智慧型手机、智慧手錶和支援NFC功能的银行卡在支援NFC的装置上进行非接触式支付。由于其易用性，这项技术已在零售、交通、餐饮和娱乐等行业中广泛使用。苹果支付、谷歌支付​​和三星支付的日益普及推动了非接触式支付的发展，这主要得益于消费者对数位支付方式的偏好以及智慧型手机在市场上的高渗透率。

NFC支付基础设施的扩展得到了许多企业的大力支持，这些企业正在升级其销售点（POS）系统以支援NFC支付。各大金融机构和支付服务提供者正积极推广NFC技术，将其作为金融卡和信用卡的重要功能。儘管资料安全问题以及中小企业在采用NFC技术方面仍面临挑战，但市场前景仍然非常乐观。随着科技的不断发展和消费者认知的不断提高，美国NFC支付市场将保持强劲成长，并引领美国迈向无现金数位经济。

例如，NFC论坛于2025年6月发布了第15版，将NFC的有效距离从0.5厘米扩展到2厘米，提高了轻触支付和非接触式支付应用的速度和可靠性。新版本还增加了对NFC数位产品护照的支持，增强了产品生命週期追踪功能。 2025 年 10 月，在包括苹果和谷歌在内的主要生态系统合作伙伴的支持下，认证版本 15 (CR15) 发布，开放了对符合标准的设备的公开认证。这将加速NFC在支付、穿戴式装置和物联网应用中的功能演进。

目录

第一章：专案范围与定义

第二章：研究方法

第三章：摘要整理

第四章：客户之声

• 受访者人口统计资料
• 品牌认知度
• 支付方式采用的考量因素
• 首选支付管道

第五章 美国NFC支付市场展望（2018-2032）

• 市场规模分析与预测
  • 以价值计算
• 市占率分析与预测
  • 依设备
    • 智慧型手机
    • 智慧型手錶
    • 支援 NFC 的卡片
    • 其他
  • 依支付类型划分
    • 个人对企业 (P2M)
    • 个人对个人 (P2P)
  • 依使用者划分的端对端支付
    • 零售
    • 交通运输
    • 饭店餐饮
    • 医疗保健
    • 其他
  • 依地区划分
    • 东北
    • 西南
    • 西部
    • 东南
    • 中西部
  • 依公司划分的市占率分析
• 2024 年市场地图分析
  • 依装置类型划分
  • 依支付类型划分
  • 依最终用户划分
  • 依区域

第六章 供需分析

第七章：价值链分析

第八章：波特五力分析

第九章：PESTLE分析

第十章：市场动态

• 市场驱动因素
• 市场挑战

第十一章：市场趋势与发展

第十二章：政策与监理环境

第十三章：个案研究

第十四章：竞争格局

• 前五大竞争矩阵 前五名竞争矩阵SWOT 分析 十大主要参与者
  • 苹果公司
    • 公司详情
    • 关键管理人员
    • 产品与服务
    • 财务资讯（已公布）
    • 主要市场趋势与地理扩张
    • 近期发展/联盟/合作/併购
  • Google有限责任公司
  • 三星电子有限公司（三星支付）
  • 佳明国际公司
  • 维萨公司
  • 万事达卡公司
  • 第一资本金融公司
  • 美国运通公司
  • 摩根大通公司
  • Boku公司

以上列出的公司排名并非基于市场占有率，并且可能会根据研究过程中获得的资讯而有所变动。

第十五章：策略建议

第十六章：研究公司资讯及免责声明

United States NFC payments market is projected to witness a CAGR of 11.04% during the forecast period 2025-2032, growing from USD 6.64 billion in 2024 to USD 15.34 billion in 2032. The United States NFC payments market is rapidly expanding, fueled by growing smartphone usage, mobile wallet adoption, and rising demand for secure, contactless transactions.

The United States NFC (Near Field Communication) payments market experiences strong expansion because consumers want quick, secure and smooth digital payment solutions. Consumers use NFC technology to make contactless payments through smartphones and smartwatches and NFC-enabled cards at terminals that support this technology. Technology has gained broad acceptance among the retail transportation and food services, and entertainment sectors due to its uncomplicated operation. The growing use of Apple Pay, along with Google Pay and Samsung Pay, promotes contactless payments because consumers want digital payment options, and smartphones remain prevalent in the market.

The expansion of NFC payment infrastructure receives strong support from businesses, which upgrade their point-of-sale systems to accept NFC payments. Major financial institutions, together with payment service providers, actively push NFC technology as an essential feature for both debit and credit cards. Data security concerns and small business adoption problems continue to exist, yet the market maintains very positive projections. The U.S. NFC payments market will keep strong growth momentum because of ongoing technological developments and rising consumer understanding, which will help drive the nation toward a cashless digital economy.

For instance, in June 2025, the NFC Forum announced Release 15, which extends NFC functionality to work within 2 cm distance instead of 0.5 cm, enabling improved speed and reliability for tap-to-pay and contactless applications. The new release incorporates support for the NFC Digital Product Passport, which strengthens product lifecycle tracking abilities. Public certification for compliant devices began in October 2025 with the launch of Certification Release 15 (CR15), supported by Apple, Google, and other major ecosystem partners to advance NFC functionality across payments, wearables, and IoT applications.

Widespread Adoption of Mobile Wallets and NFC-Enabled Devices Propel Market Growth

Mobile wallet usage and NFC device adoption serve as primary factors which drive the expansion of the U.S. NFC payments market. Smartphones have achieved widespread popularity, which has led to the universal adoption of NFC technology for contactless secure payments. The technology behind Apple Pay, together with Google Pay and Samsung Pay, uses NFC to provide users with quick and easy payment methods, which involve tapping their devices at retail terminals. The rising convenience of digital wallets has transformed consumer preferences toward using them rather than carrying traditional cards or cash. NFC technology now exists in smartphones and wearables, including smartwatches and fitness tracking devices, thus broadening its application points. Mobile wallets have established themselves as a commonly used payment method in the United States because their user-friendly design meets the merchant adoption of contactless payment methods.

For instance, in April 2025, Visa reported a 200% surge in Tap to Phone usage, enabling small businesses to accept contactless payments using just an NFC-enabled smartphone. Nearly 30% of new users are small businesses, which demonstrates how this technology provides easier digital payment access and increases cashless economy involvement.

High Smartphone and Internet Penetration Drive the Market Forward

The widespread use of smartphones and internet connectivity in the United States serves as a fundamental factor that supports NFC payment technology adoption. In 2024, more than 85 per cent of United States residents possess smartphones which provide them with reliable access to fast internet connections through 4G, 5G and Wi-Fi networks. The strong digital infrastructure enables consumers to operate Apple Pay, Google Pay and Samsung Pay NFC-based mobile wallets easily and reliably.

NFC functionality exists in most modern smartphones, which allows users to perform tap-to-pay transactions without using physical cards. The quick payment solution appeals most to customers who live in cities because they perform multiple fast purchases at stores and coffee shops, and public transit points. Wearable technology, including smartwatches and fitness bands, enables users to make payments without using their hands through NFC functionality.

For example, in August 2024, Apple revealed that iOS 18.1 enables third-party apps to perform advanced NFC contactless transactions. Through this shift, Apple taps into the US smartphone and internet market penetration to provide millions of iPhone users with new contactless payment and digital service options through their devices.

Smartphone Dominates the United States NFC Payments Market

The United States NFC payments market will experience fast growth because of the powerful smartphone segment. Consumer adoption of mobile contactless payments continues to grow because most users own devices that include NFC technology, and they choose convenience and speed and security benefits. Through Apple Pay, Google Pay, and Samsung Pay, users can execute smooth payments inside different retail facilities and service locations. The smartphone device serves as both a payment method for consumers and a platform for merchants to receive contactless payments. The dual-purpose nature of smartphones as payment tools and receiving devices establishes them as the most adaptable and reachable devices within the NFC system. The increasing demand for digital touch-free transactions will cause smartphones to lead the adoption curve, which will bring widespread NFC payment integration to retail establishments and other locations.

For instance, in January 2025, Mastercard Incorporated introduced its Tap-on-Phone system to U.S. businesses, allowing merchants to process NFC payments through contactless cards and mobile wallets using NFC-enabled smartphones without extra hardware. The solution enables small and micro-merchants to provide secure contactless payments at a low cost through EMV-level security and tokenization protection. The program aims to enhance NFC acceptance, availability and scalability across American retail establishments.

Key Players Landscape and Outlook

Multiple organizations within the United States NFC payments market establish various components of the payment system, which begin with consumer devices and end with backend transaction infrastructures. Mobile platforms and digital wallets receive continuous improvement from technology firms, which implement tap-to-pay functionality, while global payment networks work to enhance transaction security through tokenization and encryption and biometric authentication methods. Financial institutions work to speed up their contactless card issuance and mobile banking development that connects to NFC payment systems. The wearable device market has introduced NFC functionality to fitness trackers and smartwatches so users can perform transactions while moving about. Payment providers who focus on innovation now offer Tap-on-Phone solutions, which help small and micro-businesses accept NFC payments. The U.S. market will gain advantages from its high smartphone adoption rates, together with growing user preferences for contactless payments and ongoing infrastructure development investments. The growth of digital payment practices will lead essential stakeholders to concentrate on interoperability solutions and user experience improvements, and access expansion to maintain NFC adoption and market growth.

For instance, in May 2025, Samsung Electronics Co., Ltd. launched a "Tap to Transfer" feature in Samsung Wallet for US users, enabling instant money transfers via NFC by simply tapping devices. This innovation allows users to send funds directly to bank accounts or debit cards without third-party apps, streamlining peer-to-peer payments and expanding NFC's everyday use.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customer

• 4.1. Respondent Demographics
• 4.2. Brand Awareness
• 4.3. Factors Considered in Payment Method Adoption
• 4.4. Preferred Payment Channels

5. United States NFC Payments Market Outlook, 2018-2032F

• 5.1. Market Size Analysis & Forecast
  • 5.1.1. By Value
• 5.2. Market Share Analysis & Forecast
  • 5.2.1. By Device Type
    • 5.2.1.1. Smartphones
    • 5.2.1.2. Smartwatches
    • 5.2.1.3. NFC-enabled Cards
    • 5.2.1.4. Others
  • 5.2.2. By Payment Type
    • 5.2.2.1. Person-to-Merchant (P2M)
    • 5.2.2.2. Person-to-Person (P2P)
  • 5.2.3. By End-user
    • 5.2.3.1. Retail
    • 5.2.3.2. Transportation
    • 5.2.3.3. Hospitality
    • 5.2.3.4. Healthcare
    • 5.2.3.5. Others
  • 5.2.4. By Region
    • 5.2.4.1. Northeast
    • 5.2.4.2. Southwest
    • 5.2.4.3. West
    • 5.2.4.4. Southeast
    • 5.2.4.5. Midwest
  • 5.2.5. By Company Market Share Analysis (Top 5 Companies and Others - By Value, 2024)
• 5.3. Market Map Analysis, 2024
  • 5.3.1. By Device Type
  • 5.3.2. By Payment Type
  • 5.3.3. By End-user
  • 5.3.4. By Region

6. Demand Supply Analysis

7. Value Chain Analysis

8. Porter's Five Forces Analysis

9. PESTLE Analysis

10. Market Dynamics

• 10.1. Market Drivers
• 10.2. Market Challenges

11. Market Trends and Developments

12. Policy and Regulatory Landscape

13. Case Studies

14. Competitive Landscape

• 14.1. Competition Matrix of Top 5 Market Leaders
• 14.2. SWOT Analysis for Top 5 Players
• 14.3. Key Players Landscape for Top 10 Market Players
  • 14.3.1. Apple Inc.
    • 14.3.1.1. Company Details
    • 14.3.1.2. Key Management Personnel
    • 14.3.1.3. Products and Services
    • 14.3.1.4. Financials (As Reported)
    • 14.3.1.5. Key Market Focus and Geographical Presence
    • 14.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
  • 14.3.2. Google LLC
  • 14.3.3. Samsung Electronics Co. Ltd. (Samsung Pay)
  • 14.3.4. Garmin International, Inc.
  • 14.3.5. Visa Inc.
  • 14.3.6. Mastercard Incorporated
  • 14.3.7. Capital One Financial Corporation
  • 14.3.8. American Express Company
  • 14.3.9. JPMorgan Chase & Co.
  • 14.3.10. Boku Inc.

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

15. Strategic Recommendations

16. About Us and Disclaimer

List of Tables

• Table 1. Competition Matrix of Top 5 Market Leaders
• Table 2. Mergers & Acquisitions/ Joint Ventures (If Applicable)
• Table 3. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

• Figure 1. United States NFC Payments Market, By Value, In USD Billion, 2018-2032F
• Figure 2. United States NFC Payments Market Share (%), By Device Type, 2018-2032F
• Figure 3. United States NFC Payments Market Share (%), By Payment Type, 2018-2032F
• Figure 4. United States NFC Payments Market Share (%), By End-user, 2018-2032F
• Figure 5. United States NFC Payments Market Share (%), By Region, 2018-2032F
• Figure 6. By Device Type Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 7. By Payment Type Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 8. By End-user Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 9. By Region Map-Market Size (USD Billion) & Growth Rate (%), 2024