电子帐单帐单展示和支付市场规模、份额和成长分析（按产品、部署模式、企业规模、通路、支付管道、应用和地区划分）－2026-2033年产业预测

全球电子帐单展示和支付 (EBPP) 市场规模预计在 2024 年达到 279.1 亿美元，从 2025 年的 307.8 亿美元增长到 2033 年的 674.3 亿美元，在预测期（2026-2033 年）内复合年增长率为 10.3%。

全球电子帐单帐单展示与支付 (EBPP) 市场正经历着向数位化交易方式的重大转变，使企业能够以电子方式传输发票，同时实现客户透过网路无缝支付。 EBPP 广泛应用于电讯、金融服务和公共产业产业，包含多种模式，特别是直接模式和聚合模式，旨在提升使用者体验。推动该市场发展的因素包括消费者对电子帐单系统的认知度不断提高、对交易透明度的日益重视以及对便捷高效支付流程的需求。随着企业和消费者越来越重视节省时间的数位化解决方案，EBPP 市场持续扩张，凸显了采用能够满足不断变化的客户期望的现代化计费方式的重要性。

全球电子帐单与支付市场驱动因素

各机构日益普及电子帐单帐单支付解决方案，显着提升了客户在费用管理方面的体验，同时也促进了人力资源管理的效率提升，从而降低了营运成本，提高了盈利。预计这一趋势将推动全球电子帐单帐单展示和支付市场的扩张。透过采用这些先进的支付解决方案，企业可以提高效率和效益，进而对其获利产生正面影响。向数位化支付方式的转变反映了市场更广泛的趋势，即各机构都在寻求优化财务交易并提升其整体客户服务水准。

全球电子帐单和支付市场面临的限制因素

传统的帐单支付方式以及金融机构合作的不足，对全球电子帐单开立和支付市场的成长构成了挑战。在许多发展中地区，消费者倾向于选择支票和纸本发票，因为他们更喜欢纸本收据，这反映出他们对第三方平台缺乏信任。对纸本文件的依赖会阻碍向电子解决方案的过渡，因为人们更重视安全性和熟悉感，而不是数位化替代方案。因此，对电子帐单方式的抵触情绪可能会限制这些市场中创新支付技术的整体扩展和普及。

电子帐单和支付市场的全球趋势

随着企业加速从传统的纸本系统转型为数位解决方案，全球电子帐单和支付市场正经历一场意义深远的变革时期。这一趋势表明，行动发票和支付方式越来越受到青睐，为企业和消费者都带来了便利和效率。透过利用数位平台以文字讯息和电子邮件的形式发送发票和付款提醒，企业正在改善用户体验并简化营运流程。随着消费者对更便利、更灵活的支付方式的需求不断增长，电子帐单系统的采用率持续攀升，这预示着金融领域正变革时期。这场变革正在重塑我们与客户的互动方式，并推动产业发展。

目录

介绍

• 调查目标
• 市场定义和范围

调查方法

• 调查过程
• 二手资料和一手资料方法
• 市场规模估算方法
• 市场假设与限制

执行摘要

• 全球市场展望
• 市场主要亮点
• 细分市场概览
• 竞争格局概述

市场动态与展望

• 总体经济指标
• 驱动因素和机会
• 限制与挑战
• 供给面趋势
• 需求面趋势
• 波特的分析和影响

关键市场考察

• 关键成功因素
• 竞争程度
• 关键投资机会
• 生态系测绘
• 市场吸引力指数（2025）
• PESTEL 分析
• 总体经济指标
• 价值链分析
• 技术进步
• 监管环境

全球电子帐单展示与支付市场规模（按产品划分）（2019-2032 年）

• 电子帐单帐单显示
• 电子帐单帐单支付
• 电子帐单登记

全球电子帐单帐单展示与支付市场规模（按采用模式划分）（2019-2032 年）

• 基于云端的解决方案
• 本地部署解决方案

全球电子帐单展示与支付市场规模（按公司规模划分）（2019-2032 年）

• 中小企业
• 大公司

全球电子帐单帐单展示与支付市场规模（按通路划分）（2019-2032 年）

• 应用程式介面（API）
• 行动应用
• 入口网站
• 基于电子邮件的帐单
• 互动式语音应答（IVR）
• 其他的

全球电子帐单帐单展示与支付市场规模（按支付管道划分）（2019-2032 年）

• 数位支付管道
  • 签帐金融卡
  • 信用卡
  • 数位钱包
  • 网路银行
• 行动支付管道
  • 行动银行应用程式
  • 基于USSD的支付
• 线下支付管道
  • 商店支付
  • 查看

全球电子帐单帐单展示与支付市场规模（按应用领域划分）（2019-2032 年）

• 发票开立人
• 消费者
• 发票合併器
• 银行和金融机构

全球电子帐单帐单展示与支付市场规模（按最终用户产业划分）（2019-2032 年）

• 银行、金融服务和保险业 (BFSI)
• 卫生保健
• 资讯科技/通讯
• 零售与电子商务
• 教育
• 媒体与娱乐
• 製造业
• 政府/公共部门
• 其他的

全球电子帐单展示与支付市场规模（2019-2032 年）

• 北美（按产品、部署模式、公司规模、通路、支付管道、应用和最终用户产业划分）
  • 美国
  • 加拿大
• 欧洲（依产品、部署模式、公司规模、通路、支付管道、应用、最终用户产业划分）
  • 英国
  • 德国
  • 西班牙
  • 法国
  • 义大利
  • 其他欧洲地区
• 亚太地区（依产品、部署模式、公司规模、通路、支付管道、应用程式和最终用户产业划分）
  • 中国
  • 印度
  • 日本
  • 韩国
  • 亚太其他地区
• 拉丁美洲（按产品、部署模式、公司规模、通路、支付管道、应用程式和最终用户产业划分）
  • 巴西
  • 墨西哥
  • 其他拉丁美洲地区
• 中东和非洲（按产品、部署模式、公司规模、通路、支付管道、应用和最终用户产业划分）
  • 海湾合作委员会国家
  • 南非
  • 其他中东和非洲地区

竞争对手仪錶板

• 前五大公司对比
• 主要企业的市场定位（2025 年）
• 主要市场参与者所采取的策略
• 近期市场趋势
• 公司市占率分析（2025 年）

主要企业简介

• ACI Worldwide

以下公司列表仅供参考。我们为每家公司提供类似信息，但只有上市公司才能提供详细的财务数据。

• Fiserv 公司
• 万事达卡（万事达卡帐单支付交换）
• 德鲁克斯公司
• FIS（富达国民资讯服务）
• PayPal
• Oracle（Oracle Bill Management）
• SAP SE
• CSG系统国际
• 西联汇款
• 条纹
• Intuit Inc.
• Bill.com
• 支付
• Seel（早期预警服务）
• E-BIX有限公司（E-BIX现金）
• Paysafe集团
• 世界线
• 方舟有限公司（Block有限公司）
• Go Cardless

结论与建议

Global Electronic Bill Presentment and Payment Market size was valued at USD 27.91 Billion in 2024 and is poised to grow from USD 30.78 Billion in 2025 to USD 67.43 Billion by 2033, growing at a CAGR of 10.3% during the forecast period (2026-2033).

The global market for electronic bill presentment and payment (EBPP) showcases a significant shift towards digital transaction methods, enabling companies to send bills electronically while facilitating seamless customer payments via the internet. Commonly utilized across telecommunications, financial services, and utility sectors, EBPP includes various models, notably the direct and aggregator models, to enhance user experiences. Factors bolstering this market include heightened consumer awareness of e-billing systems, a growing emphasis on transaction transparency, and the demand for convenience and efficiency in payment processes. As businesses and consumers increasingly prioritize time-saving digital solutions, the EBPP market continues to expand, underscoring the importance of adopting modern billing practices that cater to evolving customer expectations.

Top-down and bottom-up approaches were used to estimate and validate the size of the Global Electronic Bill Presentment and Payment market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

Global Electronic Bill Presentment and Payment Market Segments Analysis

Global Electronic Bill Presentment and Payment Market is segmented by Product, Deployment Model, Enterprise Size, Channel, Payment Channel, Application, End Use Industries and region. Based on Product, the market is segmented into Electronic Bill Presentment, Electronic Bill Payment and Electronic Bill Posting. Based on Deployment Model, the market is segmented into Cloud-Based Solutions and On-Premises Solutions. Based on Enterprise Size, the market is segmented into Small and Medium Enterprises (SMEs) and Large Enterprises. Based on Channel, the market is segmented into Application Programming Interface (API), Mobile Applications, Web Portals, Email-Based Billing, Interactive Voice Response (IVR) and Others. Based on Payment Channel, the market is segmented into Digital Payment Channels, Mobile Payment Channels and Offline Payment Channels. Based on Application, the market is segmented into Billers, Consumers, Bill Consolidators and Banks & Financial Institutions. Based on End Use Industries, the market is segmented into BFSI (Banking, Financial Services, and Insurance), Healthcare, IT & Telecom, Retail and E-Commerce, Education, Media & Entertainment, Manufacturing, Government and Public Sector and Others. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Global Electronic Bill Presentment and Payment Market

The growing integration of electronic bill payment solutions by various organizations is significantly enhancing customer experience in managing expenses while also streamlining human resource management, leading to reduced operational costs and improved profitability. This trend is anticipated to drive the expansion of the global electronic bill presentment and payment market. By adopting these advanced payment solutions, businesses can achieve greater efficiency and effectiveness, thereby positively impacting their bottom line. The shift towards digital payment methods reflects a broader movement in the market, as organizations seek to optimize financial transactions and enhance overall service delivery for their customers.

Restraints in the Global Electronic Bill Presentment and Payment Market

The traditional method of bill payment, along with limited collaboration from banking institutions, poses a challenge to the growth of the Global Electronic Bill Presentment and Payment market. In numerous developing regions, consumers often opt for cheques and paper bills due to a preference for tangible receipts, reflecting a lack of confidence in third-party platforms. This reliance on physical documentation can impede the transition to electronic solutions, as individuals prioritize security and familiarity over digital alternatives. Consequently, this reluctance to embrace electronic billing methods may restrict the overall expansion and adoption of innovative payment technologies in these markets.

Market Trends of the Global Electronic Bill Presentment and Payment Market

The global electronic bill presentment and payment market is witnessing a significant shift as businesses increasingly transition from traditional paper-based systems to digital solutions. This trend highlights the growing preference for mobile bill presentment and payment methods, which offer convenience and efficiency for both businesses and consumers. By leveraging digital platforms to send bills and payment notifications via text or email, companies enhance user experience and streamline their operations. As consumers seek more accessible and flexible payment options, the adoption of electronic billing systems continues to rise, signaling a transformative phase in the financial landscape. This evolution is reshaping customer interactions and driving industry growth.

Table of Contents

Introduction

• Objectives of the Study
• Market Definition & Scope

Research Methodology

• Research Process
• Secondary & Primary Data Methods
• Market Size Estimation Methods
• Market Assumptions & Limitations

Executive Summary

• Global Market Outlook
• Key Market Highlights
• Segmental Overview
• Competition Overview

Market Dynamics & Outlook

• Macro-Economic Indicators
• Drivers & Opportunities
• Restraints & Challenges
• Supply Side Trends
• Demand Side Trends
• Porters Analysis & Impact
  • Competitive Rivalry
  • Threat of Substitute
  • Bargaining Power of Buyers
  • Threat of New Entrants
  • Bargaining Power of Suppliers

Key Market Insights

• Key Success Factors
• Degree of Competition
• Top Investment Pockets
• Ecosystem Mapping
• Market Attractiveness Index, 2025
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Technology Advancement
• Regulatory Landscape

Global Electronic Bill Presentment and Payment Market Size by Product (2019-2032)

• Market Overview
• Electronic Bill Presentment
• Electronic Bill Payment
• Electronic Bill Posting

Global Electronic Bill Presentment and Payment Market Size by Deployment Model (2019-2032)

• Market Overview
• Cloud-Based Solutions
• On-Premises Solutions

Global Electronic Bill Presentment and Payment Market Size by Enterprise Size (2019-2032)

• Market Overview
• Small and Medium Enterprises (SMEs)
• Large Enterprises

Global Electronic Bill Presentment and Payment Market Size by Channel (2019-2032)

• Market Overview
• Application Programming Interface (API)
• Mobile Applications
• Web Portals
• Email-Based Billing
• Interactive Voice Response (IVR)
• Others

Global Electronic Bill Presentment and Payment Market Size by Payment Channel (2019-2032)

• Market Overview
• Digital Payment Channels
  • Debit Cards
  • Credit Cards
  • Digital Wallets
  • Net Banking
• Mobile Payment Channels
  • Mobile Banking Apps
  • USSD-Based Payments
• Offline Payment Channels
  • Over-the-Counter Payments
  • Cheques

Global Electronic Bill Presentment and Payment Market Size by Application (2019-2032)

• Market Overview
• Billers
• Consumers
• Bill Consolidators
• Banks & Financial Institutions

Global Electronic Bill Presentment and Payment Market Size by End Use Industries (2019-2032)

• Market Overview
• BFSI (Banking, Financial Services, and Insurance)
• Healthcare
• IT & Telecom
• Retail and E-Commerce
• Education
• Media & Entertainment
• Manufacturing
• Government and Public Sector
• Others

Global Electronic Bill Presentment and Payment Market Size (2019-2032)

• North America (By Product, By Deployment Model, By Enterprise Size, By Channel, By Payment Channel, By Application & By End Use Industries)
  • US
  • Canada
• Europe (By Product, By Deployment Model, By Enterprise Size, By Channel, By Payment Channel, By Application & By End Use Industries)
  • UK
  • Germany
  • Spain
  • France
  • Italy
  • Rest of Europe
• Asia-Pacific (By Product, By Deployment Model, By Enterprise Size, By Channel, By Payment Channel, By Application & By End Use Industries)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia Pacific
• Latin America (By Product, By Deployment Model, By Enterprise Size, By Channel, By Payment Channel, By Application & By End Use Industries)
  • Brazil
  • Mexico
  • Rest of Latin America
• Middle East & Africa (By Product, By Deployment Model, By Enterprise Size, By Channel, By Payment Channel, By Application & By End Use Industries)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Dashboard

• Top 5 Player Comparison
• Market Positioning of Key Players, 2025
• Strategies Adopted by Key Market Players
• Recent Developments in the Market
• Company Market Share Analysis, 2025

Key Company Profiles

• ACI Worldwide
  • Company Overview
  • Product Portfolio Overview
  • Financial Overview
  • Key Developments

The following companies are listed for indicative purposes only. Similar information will be provided for each, with detailed financial data available exclusively for publicly listed companies

• Fiserv, Inc.
• Mastercard (Mastercard Bill Pay Exchange)
• Deluxe Corporation
• FIS (Fidelity National Information Services)
• PayPal
• Oracle (Oracle Bill Management)
• SAP SE
• CSG Systems International
• Western Union
• Stripe
• Intuit Inc.
• Bill.com
• Paytm
• Zelle (Early Warning Services)
• Ebix Inc. (EbixCash)
• Paysafe Group
• Worldline
• Square, Inc. (Block, Inc.)
• GoCardless

Conclusion & Analyst Recommendations