B2C支付市场规模、份额和成长分析（按支付方式、经营模式、最终用户产业、技术和地区划分）－2026-2033年产业预测

全球 B2C 支付市场规模预计到 2024 年将达到 116.4 亿美元，到 2025 年将达到 127.8 亿美元，到 2033 年将达到 270 亿美元，预测期（2026-2033 年）的复合年增长率为 9.8%。

全球B2C支付市场正经历显着成长，这主要得益于电子商务活动的蓬勃发展和行动钱包的日益普及。支付系统的技术进步和网路存取的不断扩大，推动着世界向无现金交易迈进，这一趋势尤为显着。此外，政府支持数位支付的政策以及跨境网路购物的显着增长也是推动该行业扩张的关键因素。这些因素共同推动了B2C支付领域的强劲发展势头，凸显了支付解决方案向无缝高效转型，以满足不断变化的消费者偏好。随着市场的持续发展，金融科技领域涌现许多创新和成长机会。

全球B2C支付市场驱动因素

全球B2C支付市场的主要驱动力是数位支付的日益普及，而这又得益于技术进步和智慧型手机的普及。随着消费者越来越重视交易的便利性和速度，企业面临着提供多种数位支付选项的压力，包括行动钱包、非接触式支付和网路银行解决方案。这种转变的驱动因素包括消费者对无缝购物体验日益增长的需求、安全措施的加强以及电子商务平台的兴起。因此，企业和消费者都在积极采用创新的支付解决方案，从而深刻地改变全球的交易方式。

全球B2C支付市场面临的限制因素

全球B2C支付市场的主要限制因素之一是安全问题和诈欺行为的普遍存在。随着数位交易的成长，骇客攻击、身分盗窃和资料外洩等威胁也随之增加，这可能会削弱消费者对线上支付系统的信任。企业在确保强有力的安全措施方面面临挑战，而监管要求也可能使合规工作更加复杂。对诈欺造成的经济损失的担忧可能会阻碍消费者全面接受B2C支付解决方案。此外，服务供应商之间网路安全通讯协定执行的不一致也可能导致安全漏洞，进一步阻碍全球电子支付方式的成长和普及。

全球B2C支付市场趋势

随着非接触式和行动支付解决方案的快速普及，全球B2C支付市场正经历一场变革浪潮。消费者的偏好正在转变，数位钱包、支援NFC功能的银行卡和基于应用程式的交易方式正逐渐成为主流支付方式，超越了传统的现金和银行卡系统。这一趋势的驱动力在于消费者对便利性和更佳用户体验日益增长的需求，促使零售商和服务供应商扩大行动支付选项的接受范围。随着行动支付基础设施的日益完善和普及，这项变革将重塑各行各业的消费者购买行为和互动。

目录

介绍

• 调查目标
• 调查范围
• 定义

调查方法

• 资讯收集
• 二手资料和一手资料方法
• 市场规模预测
• 市场假设与限制

执行摘要

• 全球市场展望
• 供需趋势分析
• 细分市场机会分析

市场动态与展望

• 市场规模
• 市场动态
  • 驱动因素和机会
  • 限制与挑战
• 波特分析

关键市场考察

• 关键成功因素
• 竞争程度
• 关键投资机会
• 市场生态系统
• 市场吸引力指数（2025）
• PESTEL 分析
• 总体经济指标
• 价值链分析
• 定价分析

全球B2C支付市场规模（以支付方式划分）及复合年增长率（2026-2033年）

• 卡片
• 银行转帐
• 行动支付
• 数位钱包
• 货到付款

全球B2C支付市场规模（依经营模式及复合年增长率划分）（2026-2033年）

• 收购会员商店
• 付款闸道
• 支付处理
• 支付便利
• 销售点（POS）系统

全球B2C支付市场规模（依终端用户产业划分）及复合年增长率（2026-2033年）

• 零售
• 电子商务
• 旅游与饭店
• 媒体与娱乐
• 卫生保健
• 教育

全球B2C支付市场规模（依技术及复合年增长率划分）（2026-2033年）

• 区块链
• 人工智慧（AI）
• 云端运算
• 生物识别
• 物联网 (IoT)

全球B2C支付市场规模及复合年增长率（2026-2033年）

• 北美洲
  • 美国
  • 加拿大
• 欧洲
  • 德国
  • 西班牙
  • 法国
  • 英国
  • 义大利
  • 其他欧洲地区
• 亚太地区
  • 中国
  • 印度
  • 日本
  • 韩国
  • 亚太其他地区
• 拉丁美洲
  • 巴西
  • 其他拉丁美洲地区
• 中东和非洲
  • 海湾合作委员会国家
  • 南非
  • 其他中东和非洲地区

竞争资讯

• 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）
• 主要企业公司简介
  • 公司详情
  • 产品系列分析
  • 依业务板块进行公司股票分析
  • 2023-2025年营收年比比较

主要企业简介

• Visa Inc.（United States）
• Mastercard Inc.（United States）
• PayPal Holdings Inc.（United States）
• Stripe, Inc.（United States）
• Adyen NV（Netherlands）
• Block, Inc.（United States）
• American Express Company（United States）
• Fiserv, Inc.（United States）
• Fidelity National Information Services（FIS）（United States）
• Google Pay（United States）
• Apple Pay（United States）
• Alipay（China）
• Checkout.com（United Kingdom）
• Paytm（India）
• PhonePe（India）
• Klarna Bank AB（Sweden）
• Wise（United Kingdom）
• Global Payments Inc.（United States）
• Nexi SpA（Italy）
• Worldline SA（France）

结论与建议

Global B2C Payment Market size was valued at USD 11.64 Billion in 2024 and is poised to grow from USD 12.78 Billion in 2025 to USD 27 Billion by 2033, growing at a CAGR of 9.8% during the forecast period (2026-2033).

The global B2C payment market is experiencing significant growth, driven by the surge in e-commerce activities and the increasing popularity of mobile wallets. The transition to cashless transactions worldwide is a prominent trend, supported by technological advancements in payment systems and greater internet accessibility. Additionally, supportive government initiatives promoting digital payments and a notable rise in cross-border online shopping are key factors fueling this industry's expansion. These elements combined demonstrate a robust momentum in the B2C payment landscape, highlighting the shift towards seamless and efficient payment solutions that cater to evolving consumer preferences. As this market continues to evolve, it presents numerous opportunities for innovation and growth in the financial technology sector.

Top-down and bottom-up approaches were used to estimate and validate the size of the Global B2C 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 B2C Payment Market Segments Analysis

Global B2C Payment Market is segmented by Payment Method, Business Model, End User Vertical, Technology and region. Based on Payment Method, the market is segmented into Cards, Bank Transfers, Mobile Payments, Digital Wallets and Cash-on-Delivery. Based on Business Model, the market is segmented into Merchant-Acquiring, Payment Gateway, Payment Processing, Payment Facilitation and Point-of-Sale (POS) Systems. Based on End User Vertical, the market is segmented into Retail, E-commerce, Travel and Hospitality, Media and Entertainment, Healthcare and Education. Based on Technology, the market is segmented into Blockchain, Artificial Intelligence (AI), Cloud Computing, Biometrics and Internet of Things (IoT). Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Global B2C Payment Market

A key market driver for the global B2C payment market is the increasing adoption of digital payments facilitated by advancements in technology and the proliferation of smartphones. As consumers increasingly favor convenience and speed in their transactions, businesses are compelled to offer diverse digital payment options, including mobile wallets, contactless payments, and online banking solutions. This shift is fueled by the growing demand for seamless shopping experiences, enhanced security measures, and the rise of e-commerce platforms. As a result, both businesses and consumers are embracing innovative payment solutions, leading to a robust transformation in how transactions are conducted worldwide.

Restraints in the Global B2C Payment Market

One key market restraint for the global B2C payment market is the prevalence of security concerns and fraud. As digital transactions increase, so do the threats associated with hacking, identity theft, and data breaches, which can undermine consumer trust in online payment systems. Businesses face challenges in ensuring robust security measures, and regulatory requirements can complicate compliance efforts. The fear of financial loss from fraudulent activities may deter consumers from fully embracing B2C payment solutions. Additionally, inconsistent adoption of cybersecurity protocols among service providers can lead to vulnerabilities, further hindering the growth and acceptance of electronic payment methods globally.

Market Trends of the Global B2C Payment Market

The Global B2C Payment market is witnessing a transformative shift with the rapid adoption of contactless and mobile payment solutions. Consumer preferences are evolving, placing digital wallets, NFC-enabled cards, and app-based transactions at the forefront of payment methods, surpassing traditional cash and card systems. This trend is driven by an increasing demand for convenience and enhanced user experience, prompting retailers and service providers to expand their acceptance of mobile payment options. As the infrastructure for mobile payments becomes more robust and widely available, this evolution is set to redefine consumer interactions and behaviors in purchasing across various sectors.

Table of Contents

Introduction

• Objectives of the Study
• Scope of the Report
• Definitions

Research Methodology

• Information Procurement
• Secondary & Primary Data Methods
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Global Market Outlook
• Supply & Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Overview
• Market Size
• Market Dynamics
  • Drivers & Opportunities
  • Restraints & Challenges
• Porters Analysis
  • 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
• Market Ecosystem
• Market Attractiveness Index, 2025
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Pricing Analysis

Global B2C Payment Market Size by Payment Method & CAGR (2026-2033)

• Market Overview
• Cards
• Bank Transfers
• Mobile Payments
• Digital Wallets
• Cash-on-Delivery

Global B2C Payment Market Size by Business Model & CAGR (2026-2033)

• Market Overview
• Merchant-Acquiring
• Payment Gateway
• Payment Processing
• Payment Facilitation
• Point-of-Sale (POS) Systems

Global B2C Payment Market Size by End User Vertical & CAGR (2026-2033)

• Market Overview
• Retail
• E-commerce
• Travel and Hospitality
• Media and Entertainment
• Healthcare
• Education

Global B2C Payment Market Size by Technology & CAGR (2026-2033)

• Market Overview
• Blockchain
• Artificial Intelligence (AI)
• Cloud Computing
• Biometrics
• Internet of Things (IoT)

Global B2C Payment Market Size & CAGR (2026-2033)

• North America (Payment Method, Business Model, End User Vertical, Technology)
  • US
  • Canada
• Europe (Payment Method, Business Model, End User Vertical, Technology)
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific (Payment Method, Business Model, End User Vertical, Technology)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America (Payment Method, Business Model, End User Vertical, Technology)
  • Brazil
  • Rest of Latin America
• Middle East & Africa (Payment Method, Business Model, End User Vertical, Technology)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Intelligence

• 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
• Company Profiles of All Key Players
  • Company Details
  • Product Portfolio Analysis
  • Company's Segmental Share Analysis
  • Revenue Y-O-Y Comparison (2023-2025)

Key Company Profiles

• Visa Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Mastercard Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• PayPal Holdings Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Stripe, Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Adyen N.V. (Netherlands)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Block, Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• American Express Company (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Fiserv, Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Fidelity National Information Services (FIS) (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Google Pay (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Apple Pay (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Alipay (China)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Checkout.com (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Paytm (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• PhonePe (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Klarna Bank AB (Sweden)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Wise (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Global Payments Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Nexi S.p.A. (Italy)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Worldline SA (France)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations