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市场调查报告书
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1755868

2032 年 B2B 支付市场预测：按支付类型、支付模式、支付方式、公司规模、最终用户和地区进行的全球分析

B2B Payments Market Forecasts to 2032 - Global Analysis By Payment Type (Domestic Payments and Cross-Border Payments), Payment Mode, Payment Method, Enterprise Size, End User and By Geography
出版日期: | 出版商: Stratistics Market Research Consulting | 英文 200+ Pages | 商品交期: 2-3个工作天内

价格

根据 Stratistics MRC 的数据，全球 B2B 支付市场预计在 2025 年达到 1,9897 亿美元，到 2032 年将达到 4,2362 亿美元，预测期内的复合年增长率为 11.4%。

B2B 支付是指企业之间而非企业与个人消费者之间所发生的金融交易。 B2B 支付通常比消费者支付金额更大、流程更复杂、结算週期更长。 B2B 付款可能包括商品和服务发票、供应商付款、薪水支付以及其他企业对企业转帐。您需要一种安全、可靠且有效率的方式来管理现金流并维持稳固的业务关係。

根据 B2B 支付研究报告（Bottomline，2022 年），49% 的企业将在 2021 年遭遇严重欺诈，这将严重影响市场成长。

数位转型与自动化

数位转型和自动化正在透过提升速度、准确性和安全性，彻底改变B2B支付市场。自动化流程减少了人工错误和营运成本，同时缩短了交易时间，并促进了无缝现金流管理。数位化工具能够即时追踪支付，提高透明度，增强企业之间的信任。此外，高阶分析技术能够提供切实可行的洞察，帮助企业做出更明智的财务决策。总而言之，这些创新能够提高效率，降低诈欺风险，打造以客户为中心的支付生态系统，并推动B2B业务成长。

整合成本高

B2B支付市场高昂的整合成本是一大障碍，尤其对中小企业而言。这些成本阻碍了先进支付系统的采用，并扼杀了效率和创新。高昂的成本还会阻碍平台之间的无缝连接，造成营运瓶颈，从而降低竞争力。最终，这会减缓市场成长，限制企业取得现代金融科技的管道，并阻碍整个B2B支付生态系统的数位转型。

快速支付需求不断成长

对更快支付日益增长的需求正在透过加快交易速度和改善企业现金流管理来改变B2B支付市场。这种转变提高了业务效率，减少了付款延迟，并加强了供应商关係。即时支付提高了透明度和安全性，增强了贸易伙伴的信任。此外，更快的支付解决方案推动了数位化应用，激发了B2B生态系统的创新和竞争力。

旧有系统复杂性

旧有系统的复杂性正在减缓B2B支付市场的现代化进程，并构成重大挑战。这些过时的系统缺乏灵活性，维修成本成本高昂，并且通常与新的数位支付技术不相容，从而导致整合问题并增加营运风险。结果，企业面临延迟、成本增加和扩充性受限等问题，阻碍了高效自动化支付解决方案的采用以及整体市场的成长。

COVID-19的影响

新冠疫情显着加速了B2B支付市场的数位转型。随着远距办公和保持社交距离的措施的实施，企业已从传统的纸本和支票支付方式转向更快捷、非接触式的数位支付解决方案。这种转变推动了对自动化、更高安全性和即时支付处理的需求。整体而言，新冠疫情如同催化剂，推动了全球B2B支付生态系中先进技术的创新与应用。

预计数位产业将成为预测期内最大的产业

预计数位领域将在预测期内占据最大市场占有率，因为自动化和即时处理简化了交易流程，减少了错误并降低了营运成本。数位平台促进了跨境支付的无缝衔接，提高了全球贸易效率。先进的分析技术可以改善现金流管理和诈欺侦测。总体而言，数位化提高了企业之间的便利性和信任度，加快了支付週期，并促进了更激烈的市场竞争，最终增强了市场成长和竞争力。

预测期内，信用卡市场预计将以最高复合年增长率成长

预计信用卡领域将在预测期内实现最高成长率。信用卡使企业能够简化支付流程，改善现金流量管理，获得信贷便利，并促进更顺畅的供应商关係。数位化和奖励计划进一步鼓励使用信用卡并提升其普及率。此外，信用卡支援费用追踪和对账，减轻了行政负担。信用卡有助于提高B2B支付生态系统的效率、透明度和财务灵活性，进而推动市场成长。

比最大的地区

预计亚太地区将在预测期内占据最大的市场占有率，因为数位支付解决方案能够提升透明度、安全性和成本节约，从而促进更牢固的业务关係。金融科技创新的日益普及将加速跨境贸易和中小企业的金融包容性。这种市场成长将有助于区域整合，加强现金流管理，并推动投资，最终使企业能够更快扩张，促进亚太地区商业格局的数位转型。

复合年增长率最高的地区

预计北美地区在预测期内的复合年增长率最高。先进的数位支付解决方案和自动化技术加速了现金流，提高了财务透明度，并最大限度地减少了错误。这反过来又加强了供应商关係，并提高了各企业的生产力。此外，市场上的技术创新正在促进安全快速的跨境支付，促进区域贸易的成长。这些进步支持了经济扩张，并巩固了北美在全球B2B商务领域的领先地位。

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目录

第一章执行摘要

第二章 前言

  • 概述
  • 相关利益者
  • 研究范围
  • 调查方法
    • 资料探勘
    • 数据分析
    • 数据检验
    • 研究途径
  • 研究材料
    • 主要研究资料
    • 次级研究资讯来源
    • 先决条件

第三章市场走势分析

  • 驱动程式
  • 限制因素
  • 机会
  • 威胁
  • 最终用户分析
  • 新兴市场
  • COVID-19的影响

第四章 波特五力分析

  • 供应商的议价能力
  • 买家的议价能力
  • 替代品的威胁
  • 新进入者的威胁
  • 竞争对手之间的竞争

第五章 全球 B2B 支付市场（按支付类型）

  • 国内支付
  • 跨境支付

第六章 全球 B2B 支付市场（依支付模式）

  • 传统的
  • 数位的

第七章 全球 B2B 支付市场（按支付方式）

  • ACH
  • 电汇
  • 查看
  • 现金
  • 汇票
  • 信用卡

第八章 全球 B2B 支付市场（依公司规模）

  • 大公司
  • 中型公司
  • 小型企业

第九章 全球 B2B 支付市场（依最终用户划分）

  • 製造业
  • 资讯科技/通讯
  • 金属与矿业
  • 能源与公共产业
  • 卫生保健
  • 零售与电子商务
  • 运输/物流
  • BFSI（银行、金融服务、保险）
  • 其他的

第十章 全球 B2B 支付市场（按地区）

  • 北美洲
    • 美国
    • 加拿大
    • 墨西哥
  • 欧洲
    • 德国
    • 英国
    • 义大利
    • 法国
    • 西班牙
    • 其他欧洲国家
  • 亚太地区
    • 日本
    • 中国
    • 印度
    • 澳洲
    • 纽西兰
    • 韩国
    • 其他亚太地区
  • 南美洲
    • 阿根廷
    • 巴西
    • 智利
    • 南美洲其他地区
  • 中东和非洲
    • 沙乌地阿拉伯
    • 阿拉伯聯合大公国
    • 卡达
    • 南非
    • 其他中东和非洲地区

第十一章 重大进展

  • 协议、伙伴关係、合作和合资企业
  • 收购与合併
  • 新产品发布
  • 业务扩展
  • 其他关键策略

第十二章 公司概况

  • Stripe
  • PayPal
  • Adyen
  • Fiserv
  • Mastercard
  • Visa
  • American Express
  • JPMorgan Chase
  • Citi
  • SAP Concur
  • Bill.com
  • Coupa
  • AvidXchange
  • Airwallex
  • Veem
  • Tradeshift
  • Bottomline Technologies
  • Flywire
Product Code: SMRC29762

According to Stratistics MRC, the Global B2B Payments Market is accounted for $1,989.7 billion in 2025 and is expected to reach $4,236.2 billion by 2032 growing at a CAGR of 11.4% during the forecast period. B2B payments refer to financial transactions conducted between businesses rather than between a business and individual consumers. These payments typically involve larger sums, more complex processes, and longer payment cycles compared to consumer payments. B2B payments can include invoices for goods or services, supplier payments, payroll, and other intercompany transfers. They often require secure, reliable, and efficient methods to manage cash flow and maintain strong business relationships.

According to Bottomline 2022, B2B Payments Survey Report, 49% of businesses experienced a serious fraud attempt in 2021, which has a huge impact on the market growth.

Market Dynamics:

Driver:

Digital Transformation & Automation

Digital transformation and automation are revolutionizing the B2B payments market by enhancing speed, accuracy, and security. Automated processes reduce manual errors and operational costs while accelerating transaction times, fostering seamless cash flow management. Digital tools enable real-time payment tracking and improved transparency, strengthening trust between businesses. Additionally, advanced analytics provide actionable insights for smarter financial decisions. Overall, these innovations boost efficiency, reduce fraud risk, and create a customer-centric payment ecosystem, driving growth in the B2B landscape.

Restraint:

High Integration Costs

High integration costs in the B2B payments market create significant barriers for businesses, especially small and medium enterprises. These expenses delay adoption of advanced payment systems, limiting efficiency and innovation. High costs also reduce competitiveness by discouraging seamless connectivity between platforms, causing operational bottlenecks. Ultimately, this slows market growth, restricts access to modern financial technologies, and hampers overall digital transformation within the B2B payments ecosystem.

Opportunity:

Rising Demand for Faster Payments

The rising demand for faster payments is transforming the B2B payments market by accelerating transaction speeds and improving cash flow management for businesses. This shift enhances operational efficiency, reduces payment delays, and strengthens supplier relationships. Real-time payments foster greater transparency and security, boosting trust among trading partners. Additionally, faster payment solutions encourage digital adoption, driving innovation and competitiveness in the B2B ecosystem.

Threat:

Complexity of Legacy Systems

The complexity of legacy systems poses significant challenges to the B2B payments market by slowing down modernization efforts. These outdated systems are often inflexible, costly to maintain, and incompatible with new digital payment technologies, leading to integration issues and increased operational risks. As a result, businesses face delays, higher expenses, and limited scalability, hindering the adoption of efficient, automated payment solutions and overall market growth.

Covid-19 Impact

The Covid-19 pandemic significantly accelerated digital transformation in the B2B payments market. With remote work and social distancing, businesses shifted from traditional paper-based and check payments to faster, contactless digital payment solutions. This shift increased demand for automation, enhanced security, and real-time payment processing. Overall, Covid-19 acted as a catalyst, driving innovation and adoption of advanced technologies in the B2B payments ecosystem globally.

The digital segment is expected to be the largest during the forecast period

The digital segment is expected to account for the largest market share during the forecast period because it streamlines transactions through automation and real-time processing, reducing errors and operational costs. Digital platforms facilitate seamless cross-border payments, improving global trade efficiency. Advanced analytics offer better cash flow management and fraud detection. Overall, digitalization drives greater convenience and trust among businesses, accelerating payment cycles and fostering stronger B2B relationships, ultimately boosting market growth and competitiveness.

The credit card segment is expected to have the highest CAGR during the forecast period

Over the forecast period, the credit card segment is predicted to witness the highest growth rate, as it enables businesses to streamline payments, improve cash flow management, and access credit facilities, fostering smoother supplier relationships. Digitalization and reward programs further incentivize usage, boosting adoption. Additionally, credit cards support better expense tracking and reconciliation, reducing administrative burden. Moreover, they contribute to increased efficiency, transparency, and financial flexibility in B2B payment ecosystems, accelerating market growth.

Region with largest share:

During the forecast period, the Asia Pacific region is expected to hold the largest market share as Digital payment solutions promote transparency, security, and cost savings, fostering stronger business relationships. Increased adoption of fintech innovations accelerates cross-border trade and financial inclusion for SMEs. This market growth supports regional integration, boosts cash flow management, and encourages investments, ultimately empowering businesses to scale rapidly and contributing to the digital transformation of Asia Pacific's commercial landscape.

Region with highest CAGR:

Over the forecast period, the North America region is anticipated to exhibit the highest CAGR, because Advanced digital payment solutions and automation are accelerating cash flow, improving financial transparency, and minimizing errors. This fosters stronger supplier relationships and boosts overall business productivity. Additionally, the market's innovation promotes secure, faster cross-border payments, fueling regional trade growth. These advancements support economic expansion and strengthen North America's position as a leader in global B2B commerce.

Key players in the market

Some of the key players profiled in the B2B Payments Market include Stripe, PayPal, Adyen, Fiserv, Mastercard, Visa, American Express, JPMorgan Chase, Citi, SAP Concur, Bill.com, Coupa, AvidXchange, Airwallex, Veem, Tradeshift, Bottomline Technologies and Flywire.

Key Developments:

In May 2025, Visa and EgyptAir have entered into an exclusive multi-year agreement focused on co-branded payment products, targeting Egypt's aviation and travel sectors. This partnership introduced the "Mileseverywhere" credit card, developed in collaboration with MasterCard and Commercial International Bank (CIB).

In December 2024, Card.com Corporation, has announced a collaboration with Visa to introduce Visa Direct Cross-Border payments. This partnership aims to provide Card.com customers with fast, secure, and convenient international payment options.

Payment Types Covered:

  • Domestic Payments
  • Cross-Border Payments

Payment Modes Covered:

  • Traditional
  • Digital

Payment Methods Covered:

  • ACH
  • Wire
  • Cheque
  • Cash
  • Demand Draft
  • Credit Card

Enterprise Sizes Covered:

  • Large Enterprise
  • Medium-sized Enterprise
  • Small-sized Enterprise

End Users Covered:

  • Manufacturing
  • IT and Telecom
  • Metals and Mining
  • Energy and Utilities
  • Healthcare
  • Retail & E-Commerce
  • Transportation & Logistics
  • BFSI (Banking, Financial Services, and Insurance)
  • Other End Users

Regions Covered:

  • North America
    • US
    • Canada
    • Mexico
  • Europe
    • Germany
    • UK
    • Italy
    • France
    • Spain
    • Rest of Europe
  • Asia Pacific
    • Japan
    • China
    • India
    • Australia
    • New Zealand
    • South Korea
    • Rest of Asia Pacific
  • South America
    • Argentina
    • Brazil
    • Chile
    • Rest of South America
  • Middle East & Africa
    • Saudi Arabia
    • UAE
    • Qatar
    • South Africa
    • Rest of Middle East & Africa

What our report offers:

  • Market share assessments for the regional and country-level segments
  • Strategic recommendations for the new entrants
  • Covers Market data for the years 2022, 2023, 2024, 2026, and 2030
  • Market Trends (Drivers, Constraints, Opportunities, Threats, Challenges, Investment Opportunities, and recommendations)
  • Strategic recommendations in key business segments based on the market estimations
  • Competitive landscaping mapping the key common trends
  • Company profiling with detailed strategies, financials, and recent developments
  • Supply chain trends mapping the latest technological advancements

Free Customization Offerings:

All the customers of this report will be entitled to receive one of the following free customization options:

  • Company Profiling
    • Comprehensive profiling of additional market players (up to 3)
    • SWOT Analysis of key players (up to 3)
  • Regional Segmentation
    • Market estimations, Forecasts and CAGR of any prominent country as per the client's interest (Note: Depends on feasibility check)
  • Competitive Benchmarking
    • Benchmarking of key players based on product portfolio, geographical presence, and strategic alliances

Table of Contents

1 Executive Summary

2 Preface

  • 2.1 Abstract
  • 2.2 Stake Holders
  • 2.3 Research Scope
  • 2.4 Research Methodology
    • 2.4.1 Data Mining
    • 2.4.2 Data Analysis
    • 2.4.3 Data Validation
    • 2.4.4 Research Approach
  • 2.5 Research Sources
    • 2.5.1 Primary Research Sources
    • 2.5.2 Secondary Research Sources
    • 2.5.3 Assumptions

3 Market Trend Analysis

  • 3.1 Introduction
  • 3.2 Drivers
  • 3.3 Restraints
  • 3.4 Opportunities
  • 3.5 Threats
  • 3.6 End User Analysis
  • 3.7 Emerging Markets
  • 3.8 Impact of Covid-19

4 Porters Five Force Analysis

  • 4.1 Bargaining power of suppliers
  • 4.2 Bargaining power of buyers
  • 4.3 Threat of substitutes
  • 4.4 Threat of new entrants
  • 4.5 Competitive rivalry

5 Global B2B Payments Market, By Payment Type

  • 5.1 Introduction
  • 5.2 Domestic Payments
  • 5.3 Cross-Border Payments

6 Global B2B Payments Market, By Payment Mode

  • 6.1 Introduction
  • 6.2 Traditional
  • 6.3 Digital

7 Global B2B Payments Market, By Payment Method

  • 7.1 Introduction
  • 7.2 ACH
  • 7.3 Wire
  • 7.4 Cheque
  • 7.5 Cash
  • 7.6 Demand Draft
  • 7.7 Credit Card

8 Global B2B Payments Market, By Enterprise Size

  • 8.1 Introduction
  • 8.2 Large Enterprise
  • 8.3 Medium-sized Enterprise
  • 8.4 Small-sized Enterprise

9 Global B2B Payments Market, By End User

  • 9.1 Introduction
  • 9.2 Manufacturing
  • 9.3 IT and Telecom
  • 9.4 Metals and Mining
  • 9.5 Energy and Utilities
  • 9.6 Healthcare
  • 9.7 Retail & E-commerce
  • 9.9 Transportation & Logistics
  • 9.9 BFSI (Banking, Financial Services, and Insurance)
  • 9.10 Other End Users

10 Global B2B Payments Market, By Geography

  • 10.1 Introduction
  • 10.2 North America
    • 10.2.1 US
    • 10.2.2 Canada
    • 10.2.3 Mexico
  • 10.3 Europe
    • 10.3.1 Germany
    • 10.3.2 UK
    • 10.3.3 Italy
    • 10.3.4 France
    • 10.3.5 Spain
    • 10.3.6 Rest of Europe
  • 10.4 Asia Pacific
    • 10.4.1 Japan
    • 10.4.2 China
    • 10.4.3 India
    • 10.4.4 Australia
    • 10.4.5 New Zealand
    • 10.4.6 South Korea
    • 10.4.7 Rest of Asia Pacific
  • 10.5 South America
    • 10.5.1 Argentina
    • 10.5.2 Brazil
    • 10.5.3 Chile
    • 10.5.4 Rest of South America
  • 10.6 Middle East & Africa
    • 10.6.1 Saudi Arabia
    • 10.6.2 UAE
    • 10.6.3 Qatar
    • 10.6.4 South Africa
    • 10.6.5 Rest of Middle East & Africa

11 Key Developments

  • 11.1 Agreements, Partnerships, Collaborations and Joint Ventures
  • 11.2 Acquisitions & Mergers
  • 11.3 New Product Launch
  • 11.4 Expansions
  • 11.5 Other Key Strategies

12 Company Profiling

  • 12.1 Stripe
  • 12.2 PayPal
  • 12.3 Adyen
  • 12.4 Fiserv
  • 12.5 Mastercard
  • 12.6 Visa
  • 12.7 American Express
  • 12.8 JPMorgan Chase
  • 12.9 Citi
  • 12.10 SAP Concur
  • 12.11 Bill.com
  • 12.12 Coupa
  • 12.13 AvidXchange
  • 12.14 Airwallex
  • 12.15 Veem
  • 12.16 Tradeshift
  • 12.17 Bottomline Technologies
  • 12.18 Flywire

List of Tables

  • Table 1 Global B2B Payments Market Outlook, By Region (2024-2032) ($MN)
  • Table 2 Global B2B Payments Market Outlook, By Payment Type (2024-2032) ($MN)
  • Table 3 Global B2B Payments Market Outlook, By Domestic Payments (2024-2032) ($MN)
  • Table 4 Global B2B Payments Market Outlook, By Cross-Border Payments (2024-2032) ($MN)
  • Table 5 Global B2B Payments Market Outlook, By Payment Mode (2024-2032) ($MN)
  • Table 6 Global B2B Payments Market Outlook, By Traditional (2024-2032) ($MN)
  • Table 7 Global B2B Payments Market Outlook, By Digital (2024-2032) ($MN)
  • Table 8 Global B2B Payments Market Outlook, By Payment Method (2024-2032) ($MN)
  • Table 9 Global B2B Payments Market Outlook, By ACH (2024-2032) ($MN)
  • Table 10 Global B2B Payments Market Outlook, By Wire (2024-2032) ($MN)
  • Table 11 Global B2B Payments Market Outlook, By Cheque (2024-2032) ($MN)
  • Table 12 Global B2B Payments Market Outlook, By Cash (2024-2032) ($MN)
  • Table 13 Global B2B Payments Market Outlook, By Demand Draft (2024-2032) ($MN)
  • Table 14 Global B2B Payments Market Outlook, By Credit Card (2024-2032) ($MN)
  • Table 15 Global B2B Payments Market Outlook, By Enterprise Size (2024-2032) ($MN)
  • Table 16 Global B2B Payments Market Outlook, By Large Enterprise (2024-2032) ($MN)
  • Table 17 Global B2B Payments Market Outlook, By Medium-sized Enterprise (2024-2032) ($MN)
  • Table 18 Global B2B Payments Market Outlook, By Small-sized Enterprise (2024-2032) ($MN)
  • Table 19 Global B2B Payments Market Outlook, By End User (2024-2032) ($MN)
  • Table 20 Global B2B Payments Market Outlook, By Manufacturing (2024-2032) ($MN)
  • Table 21 Global B2B Payments Market Outlook, By IT and Telecom (2024-2032) ($MN)
  • Table 22 Global B2B Payments Market Outlook, By Metals and Mining (2024-2032) ($MN)
  • Table 23 Global B2B Payments Market Outlook, By Energy and Utilities (2024-2032) ($MN)
  • Table 24 Global B2B Payments Market Outlook, By Healthcare (2024-2032) ($MN)
  • Table 25 Global B2B Payments Market Outlook, By Retail & E-commerce (2024-2032) ($MN)
  • Table 26 Global B2B Payments Market Outlook, By Transportation & Logistics (2024-2032) ($MN)
  • Table 27 Global B2B Payments Market Outlook, By BFSI (Banking, Financial Services, and Insurance) (2024-2032) ($MN)
  • Table 28 Global B2B Payments Market Outlook, By Other End Users (2024-2032) ($MN)

Note: Tables for North America, Europe, APAC, South America, and Middle East & Africa Regions are also represented in the same manner as above.