![]() |
市场调查报告书
商品编码
1817979
2032年车载支付服务市场预测:按支付方式、车辆类型、应用和地区进行的全球分析In-Vehicle Payment Services Market Forecasts to 2032 - Global Analysis By Payment Mode (Credit/Debit Cards, Near Field Communication (NFC), QR Code / RFID and E-Wallets / Mobile Apps), Vehicle Type, Application and By Geography |
根据 Stratistics MRC 的数据,全球车载支付服务市场预计在 2025 年达到 77.5 亿美元,到 2032 年将达到 183.5 亿美元,预测期内的复合年增长率为 13.10%。
车载支付服务正在改变出行方式,使驾驶员能够在车内进行安全、无现金的交易。这些解决方案支援透过嵌入式连网系统直接支付燃油、停车、过路费和外带取餐等服务费用。与语音助理、先进的车载软体和数位钱包的集成,确保了流畅、快速和安全的体验。领先的汽车製造商和金融科技公司正在合作建构创新平台,使车载商务成为互联交通和智慧数位生态系统发展的关键要素。
国际能源总署(IEA)数据显示,根据IEA《2023年全球电动车展望》报告,预计2022年全球电动车销量将达到1,000万辆,2023年将达到1,400万辆,较去年同期成长35%。
联网汽车智慧汽车的兴起
联网汽车智慧汽车的普及极大地推动了车载支付服务市场的发展。现今的汽车越来越多地整合了物联网功能、先进的资讯娱乐系统和即时连接,从而实现了轻鬆的数位交易。驾驶者可以直接透过车载系统支付燃油费、过路费、停车费和餐费等服务费用,无需依赖智慧型手机或实体卡。汽车製造商正致力于增强连网汽车生态系统,以提供更安全、更快捷、更方便的支付方式。随着无现金交易偏好的兴起和非接触式支付方式的普及,消费者需求呈指数级增长。汽车创新与支付技术的融合正在推动市场成长。
实施和整合成本高
实施和整合车载支付系统的高昂成本对市场成长构成了重大挑战。汽车製造商必须为物联网连接、安全付款闸道、先进的资讯娱乐硬体和强大的网路安全框架分配大量预算。这些高成本推高了汽车的整体价格,限制了注重成本的买家对其的采用。规模较小的公司和区域性企业往往由于财务限製而难以进入市场。此外,持续的软体升级、合规性要求和系统维护也会产生额外成本。这些庞大的投资需求可能会限制大规模采用,尤其是在经济状况是汽车购买决策主要驱动因素的发展中地区。
加强与智慧城市基础设施的整合
全球智慧城市计画的兴起为车载支付服务带来了巨大的成长机会。随着城市部署互联基础设施,车辆可以直接与停车场、收费站、电动车充电站和市政服务互动。车载付款管道透过实现即时、安全和无现金交易,简化了这些互动。市政当局正在积极推动数位生态系统,以最大限度地减少交通问题并鼓励非接触式支付,从而推动非接触式支付的普及。互联出行与智慧基础设施的整合为汽车製造商、金融科技公司和技术合作伙伴之间的合作开闢了新的途径。不断扩展的智慧城市格局正在强化车载支付在现代城市出行中的作用。
市场竞争激烈,分散化
车载支付服务市场面临的主要威胁是竞争加剧和市场分散。多家汽车製造商、金融科技供应商和科技公司各自部署了不同的解决方案,限制了互通性。这种市场饱和使得企业难以确立其独特价值,而小公司往往缺乏全球领导企业的资源。缺乏业界标准限制了其平稳的扩充性,并减缓了大规模采用的速度。竞争加剧可能导致净利率下降、产品重迭以及消费者选择复杂化。除非整个产业能够实现更大的合作和标准化,否则这种市场碎片化会削弱整体成长前景,并可能降低许多公司的长期生存能力。
新冠疫情为车载支付服务市场带来了机会与挫折。最初,工厂停工、汽车销售下降以及供应链问题阻碍了成长,并减缓了普及速度。然而,疫情提高了人们的卫生意识,加速了向非接触式数位支付的转变。这一趋势增加了对车载解决方案的需求,这些解决方案能够在加油站、收费站和免下车商店实现安全、快速、非接触式的交易。汽车製造商和金融科技公司抓住了这一机会,提升了平台的安全性和便利性。儘管初期有所波动,但新冠疫情成为车载支付长期普及的催化剂,车载支付系统已成为后疫情时代出行格局的重要组成部分。
预计信用卡/签帐金融卡细分市场将成为预测期内最大的细分市场
信用卡/签帐金融卡领域因其广泛的应用和可靠性,预计将在预测期内占据最大的市场份额。消费者高度习惯于基于卡片的支付,使其成为与车载系统整合的最便捷方式。透过将卡片资讯直接连结到车载平台,用户可以快速安全地进行加油、收费、停车和购买食品等交易。凭藉强大的银行网路和广泛的商家受理,这些卡片仍然是最值得信赖的选择。久经考验的安全性、全球覆盖范围和顺畅的互通性,使信用卡和签帐金融卡能够超越新兴的数位支付方式。
预计自动驾驶汽车领域在预测期内将以最高的复合年增长率成长。
由于数位技术与连网技术的高度整合,自动驾驶汽车领域预计将在预测期内实现最高成长率。这些车辆高度依赖无缝连接来支援自动驾驶功能,这为嵌入式支付系统创造了天然的机会。加油、充电、收费和停车等自动化交易与自动驾驶行程带来的便利完美契合。随着全球对自动驾驶技术的投资加速,汽车製造商和金融科技公司正专注于安全的人工智慧付款管道。自动驾驶汽车的日益普及,加上消费者对免持和非接触式体验的需求,正在推动该领域的快速成长。
在预测期内,北美预计将占据最大的市场份额,这得益于其先进的汽车基础设施、联网汽车的广泛应用以及强大的金融科技和技术创新力量。该地区受惠于成熟的智慧运输框架,加油站、收费公路网路、停车场和快餐店的嵌入式支付系统普及率很高。消费者对无缝数位交易的接受度很高,这些交易得到了领先支付提供商和汽车原始设备製造商的支持。这个成熟的生态系统实现了车载付款管道的强有力整合,使北美成为确保市场份额主导以及推动车载商务解决方案创新和应用方面最具影响力的地区。
由于蓬勃发展的汽车生态系统和强大的数位基础设施,亚太地区预计将在预测期内呈现最高的复合年增长率。快速的城市扩张、不断增长的可支配收入以及智慧型手机和联网汽车的广泛普及,正在推动对车载交易功能的需求。对智慧城市建设、电动车基础设施和移动互联的大力投入进一步支撑了这一趋势。技术成熟度、基础设施投资和消费者热情的结合,使亚太地区成为全球车载支付服务领域最具活力、成长最快的地区。
According to Stratistics MRC, the Global In-Vehicle Payment Services Market is accounted for $7.75 billion in 2025 and is expected to reach $18.35 billion by 2032 growing at a CAGR of 13.10% during the forecast period. In-vehicle payment services are transforming mobility by enabling drivers to conduct secure, cashless transactions without leaving their cars. These solutions support payments for services like fuel refills, parking fees, toll charges, and food pickups, directly through embedded connected systems. Integration with voice-enabled assistants, advanced car software, and digital wallets ensures a smooth, fast, and safe experience. Leading automakers and fintech companies are collaborating to create innovative platforms, making in-car commerce a key element in the evolution of connected transportation and smart digital ecosystems.
According to data from the International Energy Agency (IEA), The IEA's Global Electric Vehicle Outlook 2023 reported that global electric car sales hit 10 million units in 2022, with projections of 14 million in 2023, marking a 35% year-over-year growth.
Growing adoption of connected and smart vehicles
The widespread use of connected and smart vehicles is significantly propelling the in-vehicle payment services market. Today's automobiles are increasingly integrated with IoT features, advanced infotainment systems, and real-time connectivity that enable effortless digital transactions. Drivers can directly pay for services like fueling, tolls, parking, or food orders through in-car systems, eliminating dependence on smartphones or physical cards. Automakers are focusing on enhancing connected car ecosystems to deliver safer, faster, and more convenient payment options. With the surge in cashless transaction preferences and contactless methods, consumer demand is rising sharply. This convergence of automotive innovations and payment technologies is accelerating market growth.
High implementation and integration costs
The significant expenses involved in implementing and integrating in-vehicle payment systems pose a substantial challenge for market growth. Automakers need to allocate large budgets for IoT connectivity, secure payment gateways, sophisticated infotainment hardware, and strong cybersecurity frameworks. These high costs raise the overall price of vehicles, limiting accessibility for cost-sensitive buyers. Smaller firms and regional players often struggle to enter the market due to financial constraints. Furthermore, ongoing software upgrades, compliance requirements, and system maintenance create additional expenses. Such heavy investment needs can restrict large-scale adoption, especially in developing regions where economic conditions make affordability a decisive factor in vehicle purchases.
Growing integration with smart city infrastructure
The rise of global smart city initiatives offers a strong growth opportunity for in-vehicle payment services. With cities deploying connected infrastructure, vehicles can engage directly with parking lots, toll booths, EV charging stations, and municipal services. In-car payment platforms simplify these interactions by enabling instant, secure, and cashless transactions. Urban authorities are actively promoting digital ecosystems to minimize traffic issues and encourage contactless payments, which supports adoption. This convergence of connected mobility and smart infrastructure creates new pathways for automakers, fintech firms, and technology partners to collaborate. The expanding smart city landscape strengthens the role of in-vehicle payments in modern urban mobility.
Intense market competition and fragmentation
A major threat to the in-vehicle payment services market comes from growing competition and fragmented development. With multiple automakers, fintech providers, and tech companies introducing separate solutions, interoperability becomes limited. This saturation makes it difficult for firms to establish unique value, while smaller businesses often fail to match the resources of global leaders. The lack of industry-wide standards restricts smooth scalability, slowing mass adoption. Intensified competition can result in declining margins, duplicated offerings, and complex consumer choices. Such market fragmentation may weaken overall growth prospects, reducing long-term viability for many players unless greater collaboration and standardization are achieved across the sector.
COVID-19 produced both setbacks and opportunities for the in-vehicle payment services market. At the onset, factory shutdowns, lower car sales, and supply chain issues hampered growth and delayed implementation. Yet, the pandemic heightened awareness of hygiene and accelerated the move toward digital, touch-free payments. This trend increased demand for in-vehicle solutions enabling secure, quick, and contactless transactions at fuel stations, toll booths, and drive-through outlets. Automakers and fintech firms leveraged this opportunity by enhancing platform security and convenience. Despite early disruptions, COVID-19 acted as a catalyst for long-term adoption, making in-vehicle payment systems a crucial component of the post-pandemic mobility landscape.
The credit/debit cards segment is expected to be the largest during the forecast period
The credit/debit cards segment is expected to account for the largest market share during the forecast period due to their wide adoption and trustworthiness. Consumers are highly accustomed to card-based payments, making them the most convenient option to integrate with in-car systems. By linking card information directly to vehicle platforms, users can execute fast and secure transactions for fueling, toll collection, parking, and food purchases. Supported by robust banking networks and universal merchant acceptance, these cards remain the most dependable choice. Their proven security, global reach, and smooth interoperability ensure that credit and debit cards surpass newer digital alternatives.
The autonomous vehicles segment is expected to have the highest CAGR during the forecast period
Over the forecast period, the autonomous vehicles segment is predicted to witness the highest growth rate due to their advanced integration of digital and connected technologies. These vehicles rely heavily on seamless connectivity to support self-driving functions, creating natural opportunities for embedded payment systems. Automated transactions for fueling, charging, toll collection and parking align perfectly with the convenience offered by autonomous mobility. As global investments in autonomous driving technology accelerate, automakers and fintech companies are focusing on secure, AI-powered payment platforms. The rising adoption of self-driving cars, combined with consumer demand for hands-free, contactless experiences, drives rapid growth in this segment.
During the forecast period, the North America region is expected to hold the largest market share, owing to its advanced automotive infrastructure, widespread connected car adoption, and strong presence of fintech and tech innovators. The region benefits from mature smart mobility frameworks, with a high penetration of embedded payment systems across fuel stations, toll networks, parking, and quick-service outlets. Consumers are highly receptive to seamless digital transactions, supported by leading payment providers and automotive OEMs. This well-established ecosystem enables robust integration of in-vehicle payment platforms, securing North America's leadership in market share and making it the most influential region in driving innovation and adoption of in-car commerce solutions.
Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR, energized by its flourishing automotive ecosystem and robust digital infrastructure. Rapid urban expansion, increasing disposable incomes, and the widespread use of smart phones and connected vehicles are propelling demand for embedded transactional capabilities within cars. Strong commitments to smart city development, electric vehicle infrastructure, and mobile integration further bolster this trend. With its blend of technological readiness, infrastructure investment, and consumer enthusiasm, Asia Pacific emerges as the most energetic and fastest-emerging region in the global in-vehicle payment services landscape.
Key players in the market
Some of the key players in In-Vehicle Payment Services Market include BMW AG, Daimler AG, Ford Motor Co., General Motors Co., Honda Motor Co., Ltd., Hyundai Motor Co., Jaguar Land Rover Automotive PLC, Volkswagen AG, ZF Friedrichshafen AG, Google, Amazon, Visa, MasterCard, PayPal and Toyota Motor Corporation.
In February 2025, BMW Group Expands Global Partnership with Axalta for Automotive Refinish Coatings. Under the new partnership, Axalta will provide its Fast Cure Low Energy technology paint system to BMW Group's network of dealerships and collision repair shops. The agreement strengthens Axalta's existing relationship with BMW Group, as the company maintains its position as the exclusive ColorSystem supplier in Europe and South Africa, while extending its ColorSystem supply agreements in the United States and China.
In January 2025, Honda Motor Co., Ltd. and Renesas Electronics Corporation announced that they have signed an agreement to develop a high-performance system-on-chip (SoC) for software-defined vehicles (SDVs). The new SoC is designed to deliver leading-edge*1 AI performance of 2,000*2 TOPS combined with a world-class power efficiency of 20 TOPS/W, and is slated for use in future models of the Honda 0 (Zero) Series, Honda's new electric vehicle (EV) series, specifically those that will be launched in the late 2020s.
In September 2024, General Motors and Hyundai Motor Company have signed an agreement to explore future collaboration across key strategic areas. GM and Hyundai will look for ways to leverage their complementary scale and strengths to reduce costs and bring a wider range of vehicles and technologies to customers faster. Potential collaboration projects center on co-development and production of passenger and commercial vehicles, internal combustion engines and clean-energy, electric and hydrogen technologies.