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市场调查报告书
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1871915

全球付款闸道市场：预测至 2032 年—按类型、公司规模、支付方式、部署方式、应用程式、最终用户和地区进行分析

Payment Gateways Market Forecasts to 2032 - Global Analysis By Type (Hosted Payment Gateways, Non-Hosted Payment Gateways and Platform-Based Payment Gateways), Enterprise Size, Payment Method, Deployment Mode, Application, 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 的一项研究，预计到 2025 年，全球付款闸道市场规模将达到 400 亿美元，到 2032 年将达到 1,266 亿美元，预测期内复合年增长率为 17.9%。

付款闸道是一个安全的技术平台，用于促进买卖双方之间的线上金融交易。它充当商家网站或应用程式与相关金融机构之间的桥樑，透过加密技术确保敏感资料（例如信用卡资讯）的安全传输。付款闸道可以即时核准付款、检验客户资讯并查询资金余额。它们支援多种支付方式，包括银行卡、电子钱包和统一支付介面 (UPI)。付款闸道广泛应用于电子商务、银行和行动应用程序，透过实现快速、可靠和安全的交易，同时遵守监管标准和反诈欺通讯协定，从而提升用户体验。

电子商务的快速扩张

电子商务的快速成长是付款闸道市场的主要驱动力。随着消费者越来越多地网路购物，企业需要安全、扩充性且高效的支付解决方案。付款闸道能够实现网站和行动应用程式之间的无缝交易，并支援多种支付方式和货币。随着网路普及率和数位素养的不断提高，尤其是在新兴市场，电子商务平台正在迅速扩张。线上零售活动的激增推动了对先进网关技术的需求，这些技术能够提升用户体验并确保交易安全。

高整合度和维护成本

高昂的整合和维护成本是付款闸道市场的主要阻碍因素。部署网关解决方案需要技术专长、基础设施升级和持续支持，这对中小企业来说成本高昂。客製化、安全合规和系统更新也会增加财务负担。这些成本可能会阻碍企业采用先进的支付技术，尤其是在成本敏感的地区。

行动支付的普及

行动支付的日益普及为市场带来了巨大的机会。随着智慧型手机的普及和数位钱包使用量的增加，消费者更倾向于快速、方便、安全的行动交易。整合到行动平台的付款闸道支援即时处理、生物识别，并提供流畅的支付体验。随着行动商务在零售、旅游和娱乐等领域的拓展，网关供应商可以透过提供针对行动应用最佳化的解决方案来把握这一趋势，从而提升服务的可及性并推动市场成长。

资料安全和隐私问题

资料安全和隐私问题对付款闸道市场构成重大威胁。这些平台处理敏感的财务讯息，使其成为网路攻击和诈欺的主要目标。确保遵守 GDPR 和 PCI DSS 等国际资料保护条例会增加复杂性和成本。资料外洩会削弱消费者信任，并使其面临法律责任。为了降低风险，网关提供者必须投资强大的加密技术、多因素身份验证和持续监控，并对使用者和商家进行安全交易实践的教育。

新冠疫情的影响：

新冠疫情加速了数位支付的普及，并重塑了付款闸道市场。封锁和保持社交距离的措施迫使消费者转向网路购物和非接触式交易，从而推动了对安全支付网关解决方案的需求。企业迅速实现营运数位化以适应远端支付，进而推动了支付网关技术的创新。此次危机凸显了建立具有弹性和扩充性的支付基础设施的重要性。

预计在预测期内，数位钱包细分市场将占据最大的市场份额。

预计在预测期内，数位钱包细分市场将占据最大的市场份额，因为消费者越来越倾向于选择Apple Pay、Google Pay和Paytm等便利、快速且安全的钱包。与数位钱包整合的付款闸道可实现电子商务、行动应用程式和POS系统之间的无缝交易。随着全球范围内钱包的普及，尤其是在年轻群体和新兴市场，支付网关供应商正在不断增强相容性和功能，以支持这种主流支付方式。

预计在预测期内，医疗保健产业将实现最高的复合年增长率。

预计在预测期内，医疗保健产业将实现最高成长率，因为医疗服务提供者正在推进计费和病患服务的数位化，这使得安全的线上支付系统变得至关重要。支付网关支援远端医疗、保险理赔和医院服务交易，从而提高了营运效率和病患便利性。对远端医疗和数位健康平台日益增长的需求，推动了合规且用户友好的支付解决方案的普及。支付网关提供者正在客製化其服务以满足医疗保健行业的特定需求，从而推动了该行业的快速成长。

占比最大的地区：

由于数位化加快、电子商务蓬勃发展以及行动支付的广泛普及，亚太地区预计将在预测期内占据最大的市场份额。中国、印度和东南亚等国家正经历线上交易和金融科技创新的蓬勃发展。各国政府为促进无现金经济和普惠金融所采取的措施进一步推动了市场成长。亚太地区拥有大规模的消费群和不断提高的网路普及率，为支付网关供应商拓展服务、占据可观市场份额提供了巨大的机会。

复合年增长率最高的地区：

预计北美地区在预测期内将实现最高的复合年增长率，因为该地区先进的数位基础设施、高电子商务渗透率和健全的法规结构正在推动支付网关技术的快速普及。企业正在投资安全且扩充性的支付系统，以满足消费者期望并遵守资料保护法规。人工智慧、区块链和即时支付领域的创新正在改变产业格局。北美地区汇集了众多领先的科技公司和金融机构，处于支付网关市场成长的前沿。

免费客製化服务

订阅本报告的用户可从以下免费自订选项中选择一项：

  • 公司简介
    • 对最多三家其他公司进行全面分析
    • 对主要企业进行SWOT分析（最多3家公司）
  • 区域分类
    • 根据客户兴趣对主要国家进行市场估算、预测和复合年增长率分析（註：基于可行性检查）
  • 竞争基准化分析
    • 基于产品系列、地域覆盖和策略联盟对主要企业基准化分析

目录

第一章执行摘要

第二章 引言

  • 概述
  • 相关利益者
  • 分析范围
  • 分析方法
  • 分析材料

第三章 市场趋势分析

  • 司机
  • 抑制因素
  • 机会
  • 威胁
  • 应用分析
  • 终端用户分析
  • 新兴市场
  • 新冠疫情的影响

第四章 波特五力分析

  • 供应商的议价能力
  • 买方议价能力
  • 替代产品的威胁
  • 新进入者的威胁
  • 竞争对手之间的竞争

第五章 全球付款闸道市场（按类型划分）

  • 託管付款闸道
  • 非託管（整合）付款闸道
  • 直接付款闸道
  • 基于平台的付款闸道

第六章 全球付款闸道市场（依公司规模划分）

  • 小型企业
  • 大公司

7. 全球付款闸道市场（以支付方式划分）

  • 信用卡/签帐金融卡
  • 数位钱包
  • 银行转帐
  • UPI 和即时支付
  • 加密货币支付
  • 其他付款方式

第八章 全球付款闸道市场依部署方式划分

  • 本地部署
  • 云端基础的

9. 全球付款闸道市场（按应用划分）

  • 线上支付
  • POS支付
  • 行动支付

第十章 全球付款闸道市场（以最终用户划分）

  • 零售与电子商务
  • 旅游与饭店
  • 医疗保健
  • 媒体与娱乐
  • 教育
  • 其他最终用户

第十一章 全球付款闸道市场（按地区划分）

  • 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
  • 亚太地区
    • 日本
    • 中国
    • 印度
    • 澳洲
    • 纽西兰
    • 韩国
    • 亚太其他地区
  • 南美洲
    • 阿根廷
    • 巴西
    • 智利
    • 其他南美洲
  • 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

第十二章：主要趋势

  • 合约、商业伙伴关係和合资企业
  • 企业合併（M&A）
  • 新产品上市
  • 业务拓展
  • 其他关键策略

第十三章：公司简介

  • Stripe
  • PayPal
  • Adyen
  • Block
  • Global Payments
  • FIS
  • Worldline
  • Checkout.com
  • PayU
  • Amazon Pay
  • Alipay
  • Payoneer
  • Razorpay
  • Fiserv
  • Nets
Product Code: SMRC32285

According to Stratistics MRC, the Global Payment Gateways Market is accounted for $40.0 billion in 2025 and is expected to reach $126.6 billion by 2032 growing at a CAGR of 17.9% during the forecast period. A payment gateway is a secure technology platform that facilitates online financial transactions between buyers and sellers. It acts as a bridge between a merchant's website or app and the financial institutions involved, encrypting sensitive data like credit card details to ensure safe transmission. Payment gateways authorize payments, verify customer information, and confirm fund availability in real time. They support various payment methods including cards, digital wallets, and UPI. Widely used in e-commerce, banking, and mobile applications, payment gateways enhance user experience by enabling fast, reliable, and secure transactions while complying with regulatory standards and fraud prevention protocols.

Market Dynamics:

Driver:

Rapid Expansion of E-Commerce

The rapid growth of e-commerce is a major driver of the payment gateways market. As consumers increasingly shop online, businesses require secure, scalable, and efficient payment solutions. Payment gateways enable seamless transactions across websites and mobile apps, supporting multiple payment modes and currencies. With rising internet penetration and digital literacy, especially in emerging markets, e-commerce platforms are expanding rapidly. This surge in online retail activity fuels demand for advanced gateway technologies that enhance user experience and ensure transaction security.

Restraint:

High Integration and Maintenance Costs

High integration and maintenance costs pose a significant restraint to the payment gateways market. Implementing gateway solutions requires technical expertise, infrastructure upgrades, and ongoing support, which can be expensive for small and medium enterprises. Customization, compliance with security standards, and system updates add to the financial burden. These costs may deter businesses from adopting advanced payment technologies, especially in cost-sensitive regions.

Opportunity:

Mobile Payment Adoption

The growing adoption of mobile payments presents a major opportunity for the market. With increasing smartphone penetration and digital wallet usage, consumers prefer fast, convenient, and secure mobile transactions. Payment gateways integrated into mobile platforms support real-time processing, biometric authentication, and seamless checkout experiences. As mobile commerce expands across sectors like retail, travel, and entertainment, gateway providers can capitalize on this trend by offering optimized solutions for mobile apps, enhancing accessibility and driving market growth.

Threat:

Data Security and Privacy Concerns

Data security and privacy concerns represent a significant threat to the payment gateways market. These platforms handle sensitive financial information, making them prime targets for cyberattacks and fraud. Ensuring compliance with global data protection regulations such as GDPR and PCI DSS adds complexity and cost. Breaches can damage consumer trust and lead to legal consequences. To mitigate risks, gateway providers must invest in robust encryption, multi-factor authentication, and continuous monitoring, while educating users and merchants on secure transaction practices.

Covid-19 Impact:

The COVID-19 pandemic accelerated the adoption of digital payments and reshaped the payment gateways market. With lockdowns and social distancing, consumers shifted to online shopping and contactless transactions, boosting demand for secure gateway solutions. Businesses rapidly digitized operations to accommodate remote payments, driving innovation in gateway technologies. The crisis highlighted the importance of resilient, scalable payment infrastructure.

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

The digital wallets segment is expected to account for the largest market share during the forecast period, as consumers increasingly prefer wallets like Apple Pay, Google Pay, and Paytm for their convenience, speed, and security. Payment gateways integrated with digital wallets enable frictionless transactions across e-commerce, mobile apps, and point-of-sale systems. As wallet adoption grows globally, especially among younger demographics and in emerging markets, gateway providers are enhancing compatibility and features to support this dominant payment method.

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

Over the forecast period, the healthcare segment is predicted to witness the highest growth rate, as healthcare providers digitize billing and patient services, secure online payment systems become essential. Gateways support transactions for telemedicine, insurance claims, and hospital services, improving operational efficiency and patient convenience. With rising demand for remote care and digital health platforms, the need for compliant, user-friendly payment solutions is growing. Gateway providers are tailoring offerings to meet healthcare-specific requirements, driving rapid growth in this segment.

Region with largest share:

During the forecast period, the Asia Pacific region is expected to hold the largest market share, due to rapid digitalization, e-commerce expansion, and mobile payment adoption. Countries like China, India, and Southeast Asian nations are witnessing a surge in online transactions and fintech innovation. Government initiatives promoting cashless economies and financial inclusion further support market growth. With a large consumer base and increasing internet penetration, Asia Pacific offers vast opportunities for gateway providers to expand services and capture significant market share.

Region with highest CAGR:

Over the forecast period, the North America region is anticipated to exhibit the highest CAGR, owing to region's advanced digital infrastructure, high e-commerce penetration, and strong regulatory frameworks drive rapid adoption of gateway technologies. Businesses are investing in secure, scalable payment systems to meet consumer expectations and comply with data protection laws. Innovations in AI, blockchain, and real-time payments are reshaping the landscape. With leading tech firms and financial institutions, North America is at the forefront of gateway market growth.

Key players in the market

Some of the key players in Payment Gateways Market include Stripe, PayPal, Adyen, Block, Global Payments, FIS, Worldline, Checkout.com, PayU, Amazon Pay, Alipay, Payoneer, Razorpay, Fiserv, and Nets.

Key Developments:

In October 2025, Razorpay, in collaboration with CRED and Visa, has launched CardSync to streamline saved card tokenization across platforms. This initiative enhances payment security, simplifies user experience, and supports ecosystem-wide compliance with RBI guidelines for digital transactions in India.

In October 2025, OpenAI has partnered with Razorpay to enable seamless shopping and UPI payments directly within ChatGPT. This integration allows users in India to browse, select, and pay for products conversationally, streamlining e-commerce through AI-powered, real-time interactions and secure transactions.

Types Covered:

  • Hosted Payment Gateways
  • Non-Hosted (Integrated) Payment Gateways
  • Direct Payment Gateways
  • Platform-Based Payment Gateways

Enterprise Sizes Covered:

  • Small and Medium Enterprises (SMEs)
  • Large Enterprises

Payment Methods Covered:

  • Credit/Debit Cards
  • Digital Wallets
  • Bank Transfers
  • UPI and Real-Time Payments
  • Cryptocurrency Payments
  • Other Payment Methods

Deployment Modes Covered:

  • On-Premise
  • Cloud-Based

Applications Covered:

  • Online Payments
  • POS Payments
  • Mobile Payments

End Users Covered:

  • Retail & E-commerce
  • Travel & Hospitality
  • Healthcare
  • Media & Entertainment
  • Education
  • 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 2024, 2025, 2026, 2028, and 2032
  • 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 Application Analysis
  • 3.7 End User Analysis
  • 3.8 Emerging Markets
  • 3.9 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 Payment Gateways Market, By Type

  • 5.1 Introduction
  • 5.2 Hosted Payment Gateways
  • 5.3 Non-Hosted (Integrated) Payment Gateways
  • 5.4 Direct Payment Gateways
  • 5.5 Platform-Based Payment Gateways

6 Global Payment Gateways Market, By Enterprise Size

  • 6.1 Introduction
  • 6.2 Small and Medium Enterprises (SMEs)
  • 6.3 Large Enterprises

7 Global Payment Gateways Market, By Payment Method

  • 7.1 Introduction
  • 7.2 Credit/Debit Cards
  • 7.3 Digital Wallets
  • 7.4 Bank Transfers
  • 7.5 UPI and Real-Time Payments
  • 7.6 Cryptocurrency Payments
  • 7.7 Other Payment Methods

8 Global Payment Gateways Market, By Deployment Mode

  • 8.1 Introduction
  • 8.2 On-Premise
  • 8.3 Cloud-Based

9 Global Payment Gateways Market, By Application

  • 9.1 Introduction
  • 9.2 Online Payments
  • 9.3 POS Payments
  • 9.4 Mobile Payments

10 Global Payment Gateways Market, By End User

  • 10.1 Introduction
  • 10.2 Retail & E-commerce
  • 10.3 Travel & Hospitality
  • 10.4 Healthcare
  • 10.5 Media & Entertainment
  • 10.6 Education
  • 10.7 Other End Users

11 Global Payment Gateways Market, By Geography

  • 11.1 Introduction
  • 11.2 North America
    • 11.2.1 US
    • 11.2.2 Canada
    • 11.2.3 Mexico
  • 11.3 Europe
    • 11.3.1 Germany
    • 11.3.2 UK
    • 11.3.3 Italy
    • 11.3.4 France
    • 11.3.5 Spain
    • 11.3.6 Rest of Europe
  • 11.4 Asia Pacific
    • 11.4.1 Japan
    • 11.4.2 China
    • 11.4.3 India
    • 11.4.4 Australia
    • 11.4.5 New Zealand
    • 11.4.6 South Korea
    • 11.4.7 Rest of Asia Pacific
  • 11.5 South America
    • 11.5.1 Argentina
    • 11.5.2 Brazil
    • 11.5.3 Chile
    • 11.5.4 Rest of South America
  • 11.6 Middle East & Africa
    • 11.6.1 Saudi Arabia
    • 11.6.2 UAE
    • 11.6.3 Qatar
    • 11.6.4 South Africa
    • 11.6.5 Rest of Middle East & Africa

12 Key Developments

  • 12.1 Agreements, Partnerships, Collaborations and Joint Ventures
  • 12.2 Acquisitions & Mergers
  • 12.3 New Product Launch
  • 12.4 Expansions
  • 12.5 Other Key Strategies

13 Company Profiling

  • 13.1 Stripe
  • 13.2 PayPal
  • 13.3 Adyen
  • 13.4 Block
  • 13.5 Global Payments
  • 13.6 FIS
  • 13.7 Worldline
  • 13.8 Checkout.com
  • 13.9 PayU
  • 13.10 Amazon Pay
  • 13.11 Alipay
  • 13.12 Payoneer
  • 13.13 Razorpay
  • 13.14 Fiserv
  • 13.15 Nets

List of Tables

  • Table 1 Global Payment Gateways Market Outlook, By Region (2024-2032) ($MN)
  • Table 2 Global Payment Gateways Market Outlook, By Type (2024-2032) ($MN)
  • Table 3 Global Payment Gateways Market Outlook, By Hosted Payment Gateways (2024-2032) ($MN)
  • Table 4 Global Payment Gateways Market Outlook, By Non-Hosted (Integrated) Payment Gateways (2024-2032) ($MN)
  • Table 5 Global Payment Gateways Market Outlook, By Direct Payment Gateways (2024-2032) ($MN)
  • Table 6 Global Payment Gateways Market Outlook, By Platform-Based Payment Gateways (2024-2032) ($MN)
  • Table 7 Global Payment Gateways Market Outlook, By Enterprise Size (2024-2032) ($MN)
  • Table 8 Global Payment Gateways Market Outlook, By Small and Medium Enterprises (SMEs) (2024-2032) ($MN)
  • Table 9 Global Payment Gateways Market Outlook, By Large Enterprises (2024-2032) ($MN)
  • Table 10 Global Payment Gateways Market Outlook, By Payment Method (2024-2032) ($MN)
  • Table 11 Global Payment Gateways Market Outlook, By Credit/Debit Cards (2024-2032) ($MN)
  • Table 12 Global Payment Gateways Market Outlook, By Digital Wallets (2024-2032) ($MN)
  • Table 13 Global Payment Gateways Market Outlook, By Bank Transfers (2024-2032) ($MN)
  • Table 14 Global Payment Gateways Market Outlook, By UPI and Real-Time Payments (2024-2032) ($MN)
  • Table 15 Global Payment Gateways Market Outlook, By Cryptocurrency Payments (2024-2032) ($MN)
  • Table 16 Global Payment Gateways Market Outlook, By Other Payment Methods (2024-2032) ($MN)
  • Table 17 Global Payment Gateways Market Outlook, By Deployment Mode (2024-2032) ($MN)
  • Table 18 Global Payment Gateways Market Outlook, By On-Premise (2024-2032) ($MN)
  • Table 19 Global Payment Gateways Market Outlook, By Cloud-Based (2024-2032) ($MN)
  • Table 20 Global Payment Gateways Market Outlook, By Application (2024-2032) ($MN)
  • Table 21 Global Payment Gateways Market Outlook, By Online Payments (2024-2032) ($MN)
  • Table 22 Global Payment Gateways Market Outlook, By POS Payments (2024-2032) ($MN)
  • Table 23 Global Payment Gateways Market Outlook, By Mobile Payments (2024-2032) ($MN)
  • Table 24 Global Payment Gateways Market Outlook, By End User (2024-2032) ($MN)
  • Table 25 Global Payment Gateways Market Outlook, By Retail & E-commerce (2024-2032) ($MN)
  • Table 26 Global Payment Gateways Market Outlook, By Travel & Hospitality (2024-2032) ($MN)
  • Table 27 Global Payment Gateways Market Outlook, By Healthcare (2024-2032) ($MN)
  • Table 28 Global Payment Gateways Market Outlook, By Media & Entertainment (2024-2032) ($MN)
  • Table 29 Global Payment Gateways Market Outlook, By Education (2024-2032) ($MN)
  • Table 30 Global Payment Gateways Market Outlook, By Other End Users (2024-2032) ($MN)

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