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市场调查报告书
商品编码
1876696

付款闸道市场预测至2032年：按类型、公司规模、支付方式、最终用户和地区分類的全球分析

Payment Gateway Market Forecasts to 2032 - Global Analysis By Type, Enterprise Size, Payment Method, 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 513.2 亿美元，到 2032 年将达到 2,339.8 亿美元，预测期内复合年增长率为 24.2%。

付款闸道是一个数位平台，用于安全地处理和核准买卖双方之间的线上金融交易。它采用加密技术保护敏感的支付讯息，并确保资料在商家、客户和银行之间安全传输。透过接受包括卡片付款、电子钱包和银行转帐在内的多种支付方式，支付网关能够实现流畅可靠的线上支付，增强用户信心，并透过安全高效的金融交易简化数位商务流程。

根据 Oberlo 预测，2021 年美国零售业销售额预计将成长 2.3%，2022 年将进一步成长至 4.1%。

智慧型手机和网路的普及

都市区消费者为了追求便捷和速度，越来越多地使用行动钱包和线上交易。随着行动宽频基础设施的扩展，即使是以前服务不足的市场也开始积极参与数位经济。付款闸道提供者正利用这种连接性，提供无缝的应用程式支付体验。电子商务、叫车和外送服务的兴起，进一步推动了对行动支付解决方案的需求。这种数位转型正在为建立完善的金融生态系统和即时交易能力奠定基础。

高额交易和手续费

商家往往面临分级收费系统，包括网关费、交换费和跨境附加税，这些都会挤压利润空间。对于利润率低的产业和对价格敏感的新兴市场而言，这些成本尤其沉重。此外，隐性费用和定价不透明也会阻碍企业扩展其数位支付基础设施。服务提供者面临越来越大的竞争压力，需要提供更经济实惠、更灵活的定价模式。如果成本无法合理化，即使数位支付需求不断增长，市场渗透率也可能受到限制。

与新兴科技的融合

付款闸道与区块链、人工智慧和生物识别等技术的融合，正在开闢新的成长途径。这些融合提升了数位商务平台的交易安全性、诈欺侦测能力和使用者个人化体验。人工智慧驱动的分析能够实现即时风险评分和自适应支付路由，从而提高效率和客户信任度。基于区块链的网关为跨境交易提供了一个去中心化且透明的替代方案。语音商务、物联网支付和穿戴式装置也在重塑使用者体验。

替代品的威胁

科技巨头和金融科技新兴企业正透过提供应用程式内支付功能和闭合迴路生态系统来绕过传统的付款闸道。 P2P付款管道和后付款服务正变得越来越受欢迎，尤其是在年轻族群中。这些替代方案通常提供更低的手续费、更快的支付速度和更大的用户控制权。随着消费者偏好转向整合、无缝体验，传统的付款闸道面临淘汰的风险。

新冠疫情的感染疾病：

疫情加速了非接触式和数位支付的快速发展，并推动了各行业对线上付款闸道的广泛采用。封锁和保持社交距离的规定迫使企业转向电子商务和远端交易。数位活动的激增暴露了传统支付基础设施的脆弱性，促使企业快速升级并迁移到云端。监管机构也采取了应对措施，放宽了合规期限并协助企业完成数位化接取。疫情过后，焦点转向了系统韧性、网路安全和全通路整合。

预计在预测期内，託管付款闸道细分市场将占据最大的市场份额。

由于其易于整合和强大的安全功能，託管付款闸道预计将在预测期内占据最大的市场份额。这些平台在外部处理敏感数据，从而减轻了商家的PCI合规负担和责任风险。中小企业更倾向于选择託管解决方案，因为它们具有即插即用的功能和较低的前期成本。增强的诈欺保护、SSL加密和令牌化技术使託管网关成为线上零售商值得信赖的选择。随着电子商务平台在全球扩张，託管网关提供的灵活性和扩充性能够支援各种支付方式。

预计在预测期内，加密货币领域将实现最高的复合年增长率。

在去中心化金融 (DeFi) 及其跨境效率日益增长的推动下，预计加密货币领域将在预测期内实现最高成长率。这些平台无需仲介即可实现即时、低成本的交易，对商家和消费者都极具吸引力。随着监管环境的日益明朗，越来越多的企业正在整合加密货币支付选项，以吸引精通技术的用户。区块链的透明性和不可篡改性增强了人们对数位交易的信任。稳定币和二层扩容方案等创新技术则有助于解决价格波动和处理速度的担忧。

占比最大的地区：

预计亚太地区将在预测期内占据最大的市场份额，这主要得益于快速的数位化和蓬勃发展的电子商务产业。中国、印度和东南亚等国家正经历行动支付和金融科技的快速成长。各国政府为促进无现金经济和普惠金融所采取的措施正在加速付款闸道的普及。本土企业正在开发符合区域支付习惯和法规结构的在地化解决方案。对数位基础设施和网路安全的战略投资也进一步推动了市场的成熟。

复合年增长率最高的地区：

在预测期内，北美预计将实现最高的复合年增长率，这主要得益于其对先进支付技术的早期应用以及强大的金融科技生态系统。美国和加拿大在代币化、人工智慧驱动的诈欺侦测和嵌入式金融等领域处于创新前沿。监管机构对开放银行和即时支付的支援正在创造一个竞争激烈且灵活的环境。企业正在加速采用全通路支付策略，以提升客户体验。消费者对数位平台的高度信任以及基于信用的支付方式的日益普及，正在推动交易量的成长。

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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
  • 调查范围
  • 调查方法
    • 资料探勘
    • 数据分析
    • 数据检验
    • 研究途径
  • 研究材料
    • 原始研究资料
    • 次级研究资讯来源
    • 先决条件

第三章 市场趋势分析

  • 介绍
  • 司机
  • 抑制因素
  • 机会
  • 威胁
  • 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 全球付款闸道市场（按类型划分）

  • 介绍
  • 託管付款闸道
  • 与当地银行合併
  • 自架付款闸道
  • 基于 API/平台的网关
  • 整合付款闸道
  • 其他类型

第六章 全球付款闸道市场（依公司规模划分）

  • 介绍
  • 大公司
  • 小型企业

7. 全球付款闸道市场（以支付方式划分）

  • 介绍
  • 信用卡/签帐金融卡
  • 先买后付（BNPL）
  • 数位钱包
  • 加密货币
  • 网路银行
  • 其他方法

8. 全球付款闸道市场（依最终用户划分）

  • 介绍
  • 银行、金融服务和保险（BFSI）
  • 零售与电子商务
  • 卫生保健
  • 公用事业
  • 旅游与饭店
  • 政府
  • 教育
  • 其他最终用户

9. 全球付款闸道市场（按地区划分）

  • 介绍
  • 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
    • 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

第十章：重大进展

  • 协议、伙伴关係、合作和合资企业
  • 收购与併购
  • 新产品上市
  • 业务拓展
  • 其他关键策略

第十一章 企业概况

  • PayPal
  • Razorpay
  • Stripe
  • Klarna
  • Adyen
  • WePay
  • Worldpay
  • Alipay
  • Amazon Pay
  • Skrill
  • Square
  • PayU
  • Checkout.com
  • 2Checkout
  • Authorize.Net
Product Code: SMRC32426

According to Stratistics MRC, the Global Payment Gateway Market is accounted for $51.32 billion in 2025 and is expected to reach $233.98 billion by 2032 growing at a CAGR of 24.2% during the forecast period. A Payment Gateway is a digital platform that securely processes and authorizes online financial transactions between buyers and sellers. It protects sensitive payment details through encryption, ensuring data safety during transfers between merchants, customers, and banks. Supporting multiple payment options like cards, e-wallets, and bank transfers, the gateway enables smooth and reliable online payments, boosts user confidence, and streamlines digital commerce by ensuring secure and efficient financial exchanges.

According to Oberlo, sales in the U.S. retail sector would grow at 2.3% in 2021 and further rise to 4.1% in 2022.

Market Dynamics:

Driver:

Smartphone and internet penetration

Consumers across both urban and rural regions are embracing mobile wallets and online transactions for convenience and speed. As mobile broadband infrastructure expands, even underserved markets are becoming active participants in the digital economy. Payment gateway providers are leveraging this connectivity to offer seamless, app-based checkout experiences. The rise of e-commerce, ride-hailing, and food delivery services is further amplifying demand for mobile-integrated payment solutions. This digital shift is laying the foundation for inclusive financial ecosystems and real-time transaction capabilities.

Restraint:

High transaction and processing fees

Merchants often face tiered fee structures, including gateway charges, interchange fees, and cross-border levies, which erode profit margins. These costs are particularly burdensome in low-margin sectors and emerging markets with price-sensitive consumers. Additionally, hidden fees and lack of pricing transparency deter businesses from scaling digital payment infrastructure. Competitive pressure is mounting on providers to offer more affordable and flexible pricing models. Without cost rationalization, market penetration may be limited despite rising digital demand.

Opportunity:

Integration with emerging technologies

The convergence of payment gateways with technologies such as blockchain, AI, and biometric authentication is unlocking new growth avenues. These integrations are enhancing transaction security, fraud detection, and user personalization across digital commerce platforms. AI-driven analytics are enabling real-time risk scoring and adaptive payment routing, improving efficiency and customer trust. Blockchain-based gateways are offering decentralized, transparent alternatives for cross-border transactions. Voice commerce, IoT-enabled payments, and wearables are also reshaping the user experience.

Threat:

Threat of substitutes

Tech giants and fintech startups are bypassing traditional gateways by offering in-app payment capabilities and closed-loop ecosystems. Peer-to-peer payment platforms and buy-now-pay-later services are gaining traction, especially among younger demographics. These substitutes often offer lower fees, faster settlements, and greater user control. As consumer preferences shift toward integrated and frictionless experiences, traditional gateways risk disintermediation.

Covid-19 Impact:

The pandemic catalyzed a dramatic shift toward contactless and digital payments, accelerating the adoption of online gateways across sectors. Lockdowns and social distancing mandates forced businesses to pivot to e-commerce and remote transactions. This surge in digital activity exposed gaps in legacy payment infrastructure, prompting rapid upgrades and cloud migration. Regulatory bodies responded with relaxed compliance timelines and support for digital onboarding. Post-pandemic, the focus has shifted to resilience, cybersecurity, and omnichannel integration.

The hosted payment gateways segment is expected to be the largest during the forecast period

The hosted payment gateways segment is expected to account for the largest market share during the forecast period, due to its ease of integration and robust security features. These platforms handle sensitive data externally, reducing merchants' PCI compliance burdens and liability risks. Small and medium-sized businesses prefer hosted solutions for their plug-and-play functionality and lower upfront costs. Enhanced fraud protection, SSL encryption, and tokenization are making hosted gateways a trusted choice for online retailers. As e-commerce platforms scale globally, hosted gateways offer the flexibility and scalability needed to support diverse payment methods.

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

Over the forecast period, the cryptocurrency segment is predicted to witness the highest growth rate, driven by rising interest in decentralized finance and cross-border efficiency. These platforms enable real-time, low-cost transactions without intermediaries, appealing to both merchants and consumers. As regulatory clarity improves, more businesses are integrating crypto payment options to attract tech-savvy users. Blockchain's transparency and immutability are enhancing trust in digital transactions. Innovations such as stablecoins and Layer 2 scaling solutions are addressing volatility and speed concerns.

Region with largest share:

During the forecast period, the Asia Pacific region is expected to hold the largest market share, supported by rapid digitalization and a booming e-commerce sector. Countries like China, India, and Southeast Asian nations are witnessing exponential growth in mobile payments and fintech adoption. Government initiatives promoting cashless economies and financial inclusion are accelerating gateway deployment. Domestic players are innovating localized solutions tailored to regional payment behaviors and regulatory frameworks. Strategic investments in digital infrastructure and cybersecurity are further strengthening market maturity.

Region with highest CAGR:

Over the forecast period, the North America region is anticipated to exhibit the highest CAGR, fueled by early adoption of advanced payment technologies and strong fintech ecosystems. The U.S. and Canada are at the forefront of innovations in tokenization, AI-driven fraud detection, and embedded finance. Regulatory support for open banking and real-time payments is fostering a competitive and agile environment. Enterprises are increasingly adopting omnichannel payment strategies to enhance customer experience. High consumer trust in digital platforms and widespread use of credit-based instruments are fueling transaction volumes.

Key players in the market

Some of the key players in Payment Gateway Market include PayPal, Razorpay, Stripe, Klarna, Adyen, WePay, Worldpay, Alipay, Amazon P, Skrill, Square, PayU, Checkout, 2Checkout, and Authorize.

Key Developments:

In October 2025, Venmo announced at Money20/20 in Las Vegas, a partnership with Bilt, the nation's largest housing and neighborhood commerce platform, to expand how people use Venmo for everyday payments. The partnership brings rent payments, mortgage repayments, and neighborhood commerce into the Venmo experience, marking a major step in Venmo's evolution from a peer-to-peer payments app to an everyday commerce platform.

In August 2025, Razorpay announced the launch of 'Card Sync', in partnership with CRED - a simple new way for shoppers to pay faster and more securely online. Built on Visa's tokenization infrastructure, Card Sync is an ecosystem-wide saved card solution that allows shoppers to link their saved CRED credit cards to any online store using Razorpay Checkout with just one tap. Once linked, shoppers don't have to enter their card details or CVV again for future payments. This means no more typing, no more errors, and no more delays.

Types Covered:

  • Hosted Payment Gateways
  • Local Bank Integrations
  • Self-hosted Payment Gateways
  • API/Platform-based Gateways
  • Integrated Payment Gateways
  • Other Types

Enterprise Sizes Covered:

  • Large Enterprises
  • Small & Medium Enterprises (SMEs)

Payment Methods Covered:

  • Credit/Debit Cards
  • Buy Now Pay Later (BNPL)
  • Digital Wallets
  • Cryptocurrency
  • Net Banking
  • Other Methods

End Users Covered:

  • Banking, Financial Services, and Insurance (BFSI)
  • Retail & E-commerce
  • Healthcare
  • Utilities
  • Travel & Hospitality
  • Government
  • 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 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 Payment Gateway Market, By Type

  • 5.1 Introduction
  • 5.2 Hosted Payment Gateways
  • 5.3 Local Bank Integrations
  • 5.4 Self-hosted Payment Gateways
  • 5.5 API/Platform-based Gateways
  • 5.6 Integrated Payment Gateways
  • 5.7 Other Types

6 Global Payment Gateway Market, By Enterprise Size

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

7 Global Payment Gateway Market, By Payment Method

  • 7.1 Introduction
  • 7.2 Credit/Debit Cards
  • 7.3 Buy Now Pay Later (BNPL)
  • 7.4 Digital Wallets
  • 7.5 Cryptocurrency
  • 7.6 Net Banking
  • 7.7 Other Methods

8 Global Payment Gateway Market, By End User

  • 8.1 Introduction
  • 8.2 Banking, Financial Services, and Insurance (BFSI)
  • 8.3 Retail & E-commerce
  • 8.4 Healthcare
  • 8.5 Utilities
  • 8.6 Travel & Hospitality
  • 8.7 Government
  • 8.8 Education
  • 8.9 Other End Users

9 Global Payment Gateway Market, By Geography

  • 9.1 Introduction
  • 9.2 North America
    • 9.2.1 US
    • 9.2.2 Canada
    • 9.2.3 Mexico
  • 9.3 Europe
    • 9.3.1 Germany
    • 9.3.2 UK
    • 9.3.3 Italy
    • 9.3.4 France
    • 9.3.5 Spain
    • 9.3.6 Rest of Europe
  • 9.4 Asia Pacific
    • 9.4.1 Japan
    • 9.4.2 China
    • 9.4.3 India
    • 9.4.4 Australia
    • 9.4.5 New Zealand
    • 9.4.6 South Korea
    • 9.4.7 Rest of Asia Pacific
  • 9.5 South America
    • 9.5.1 Argentina
    • 9.5.2 Brazil
    • 9.5.3 Chile
    • 9.5.4 Rest of South America
  • 9.6 Middle East & Africa
    • 9.6.1 Saudi Arabia
    • 9.6.2 UAE
    • 9.6.3 Qatar
    • 9.6.4 South Africa
    • 9.6.5 Rest of Middle East & Africa

10 Key Developments

  • 10.1 Agreements, Partnerships, Collaborations and Joint Ventures
  • 10.2 Acquisitions & Mergers
  • 10.3 New Product Launch
  • 10.4 Expansions
  • 10.5 Other Key Strategies

11 Company Profiling

  • 11.1 PayPal
  • 11.2 Razorpay
  • 11.3 Stripe
  • 11.4 Klarna
  • 11.5 Adyen
  • 11.6 WePay
  • 11.7 Worldpay
  • 11.8 Alipay
  • 11.9 Amazon Pay
  • 11.10 Skrill
  • 11.11 Square
  • 11.12 PayU
  • 11.13 Checkout.com
  • 11.14 2Checkout
  • 11.15 Authorize.Net

List of Tables

  • Table 1 Global Payment Gateway Market Outlook, By Region (2024-2032) ($MN)
  • Table 2 Global Payment Gateway Market Outlook, By Type (2024-2032) ($MN)
  • Table 3 Global Payment Gateway Market Outlook, By Hosted Payment Gateways (2024-2032) ($MN)
  • Table 4 Global Payment Gateway Market Outlook, By Local Bank Integrations (2024-2032) ($MN)
  • Table 5 Global Payment Gateway Market Outlook, By Self-hosted Payment Gateways (2024-2032) ($MN)
  • Table 6 Global Payment Gateway Market Outlook, By API/Platform-based Gateways (2024-2032) ($MN)
  • Table 7 Global Payment Gateway Market Outlook, By Integrated Payment Gateways (2024-2032) ($MN)
  • Table 8 Global Payment Gateway Market Outlook, By Other Types (2024-2032) ($MN)
  • Table 9 Global Payment Gateway Market Outlook, By Enterprise Size (2024-2032) ($MN)
  • Table 10 Global Payment Gateway Market Outlook, By Large Enterprises (2024-2032) ($MN)
  • Table 11 Global Payment Gateway Market Outlook, By Small & Medium Enterprises (SMEs) (2024-2032) ($MN)
  • Table 12 Global Payment Gateway Market Outlook, By Payment Method (2024-2032) ($MN)
  • Table 13 Global Payment Gateway Market Outlook, By Credit/Debit Cards (2024-2032) ($MN)
  • Table 14 Global Payment Gateway Market Outlook, By Buy Now Pay Later (BNPL) (2024-2032) ($MN)
  • Table 15 Global Payment Gateway Market Outlook, By Digital Wallets (2024-2032) ($MN)
  • Table 16 Global Payment Gateway Market Outlook, By Cryptocurrency (2024-2032) ($MN)
  • Table 17 Global Payment Gateway Market Outlook, By Net Banking (2024-2032) ($MN)
  • Table 18 Global Payment Gateway Market Outlook, By Other Methods (2024-2032) ($MN)
  • Table 19 Global Payment Gateway Market Outlook, By End User (2024-2032) ($MN)
  • Table 20 Global Payment Gateway Market Outlook, By Banking, Financial Services, and Insurance (BFSI) (2024-2032) ($MN)
  • Table 21 Global Payment Gateway Market Outlook, By Retail & E-commerce (2024-2032) ($MN)
  • Table 22 Global Payment Gateway Market Outlook, By Healthcare (2024-2032) ($MN)
  • Table 23 Global Payment Gateway Market Outlook, By Utilities (2024-2032) ($MN)
  • Table 24 Global Payment Gateway Market Outlook, By Travel & Hospitality (2024-2032) ($MN)
  • Table 25 Global Payment Gateway Market Outlook, By Government (2024-2032) ($MN)
  • Table 26 Global Payment Gateway Market Outlook, By Education (2024-2032) ($MN)
  • Table 27 Global Payment Gateway 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.