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市场调查报告书
商品编码
1896264
非接触式支付市场预测至2032年:按技术、设备类型、解决方案、应用、最终用户和地区分類的全球分析Contactless Payment Market Forecasts to 2032 - Global Analysis By Technology, Device Type, Solution, Application, End User, and By Geography |
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根据 Stratistics MRC 的一项研究,预计到 2025 年,全球非接触式支付市场价值将达到 415 亿美元,到 2032 年将达到 1,388 亿美元。
预计在预测期内,非接触式支付市场将以18.8%的复合年增长率成长。该市场专注于使用支援NFC功能的银行卡、智慧型手机和穿戴式装置进行「轻触即付」的交易。这包括支付终端、软体和安全通讯技术。其优点包括:加快结帐速度、提升客户便利性、减少人与人之间的接触、增强交易安全性以及提高零售商和交通系统的交易吞吐量,从而推动向无现金、便捷的支付体验转型。
根据欧洲中央银行(ECB)的数据,非接触式支付目前占欧元区商店卡交易的 60% 以上,而 2016 年这一比例还不到 20%。
提升交易速度与便利性
非接触式支付普及的主要驱动力在于其显着缩短了交易时间,从而为消费者带来了更大的便利。只需轻轻一触银行卡或终端,即可缩短支付时间,并减少终端周围的拥塞。这种高效性在零售商店和交通系统等高人流量环境中至关重要,能够直接提升客户体验。此外,减少人与人之间的接触所带来的卫生益处,尤其是在后疫情时代,仍然是推动其永续使用的重要因素。这些综合优势正在推动消费者对非接触式支付的偏好,并促使商家积极采用,从而提高市场渗透率。
部分地区有交易限额限制
在某些地区,监管机构和银行对个人非接触式交易金额的限制限制了市场成长。这些出于安全考量而设定的限额,可能会阻碍消费者进行大额消费,迫使他们转而使用传统的晶片和密码支付方式。这种销售点的摩擦会降低消费者对这项技术的便利性感知。此外,不同地区的限额差异会造成使用者体验的差异,并可能导致受影响市场的消费者对这种支付方式持谨慎态度,从而减缓其整体普及速度。
与交通运输、穿戴式装置和物联网生态系统的整合
非接触式支付的巨大成长机会在于将其融入更广泛的生态系统,包括公共交通、穿戴式科技和物联网设备。这种融合将把手錶、钥匙圈甚至服装等日常物品转变为支付工具,进一步深化市场整合。此外,便利的交通支付将解决关键痛点,并促进日常使用。这种超越传统零售的拓展将创造新的收入来源,提升用户参与度,并将非接触式技术定位为一种无形且无所不在的实用工具,而不仅仅是一种支付方式。
非接触式支付诈欺和网路攻击日益增多。
非接触式支付的迅速普及也导致了复杂诈欺活动的增加,例如继电器攻击和数位盗刷。这些日益增长的网路威胁削弱了消费者信任,而消费者信任是成功支付方式的基础。金融机构和商家面临着与加强安全措施、防范诈欺以及潜在责任相关的不断增加的成本。持续的安全隐患可能导致监管力度加大和消费者犹豫不决,尤其是在高价值交易方面,这将严重威胁市场成长和创新。
疫情大大推动了非接触式支付市场的发展。人们对接触物体表面的健康担忧使得「一触即付」功能成为一项关键的安全措施,消费者的行为也随之发生了翻天覆地的变化。零售商迅速采用这项技术,以增强顾客的信心并最大限度地减少人与人之间的接触。疫情期间,非接触式支付在更广泛的受众群体中普及开来,并成为日常小额消费的常用支付方式,这一习惯至今仍普遍存在。因此,这场危机将原本预计需要数年才能完成的普及过程压缩到了短时间内,并永久地改变了支付格局。
预计在预测期内,近距离场通讯(NFC)细分市场将占据最大的市场份额。
由于近距离场通讯 (NFC)通讯协定安全可靠且标准化,并普遍嵌入支付卡和终端硬体中,预计在预测期内,NFC 领域将占据最大的市场份额。其广泛的应用群体,从小规模商店到大型零售商,形成了强大的网路效应。产业分析师表示,NFC 的可靠性和用户亲和性(只需轻轻一触即可完成付款),以及强大的安全功能(例如令牌化),巩固了其持续的主导地位。这种完善的基础设施使 NFC 成为全球最普及、最受认可的非接触式支付解决方案。
预计在预测期内,智慧型手机和穿戴式装置细分市场将实现最高的复合年增长率。
预计在预测期内,智慧型手机和穿戴式装置领域将实现最高成长率。成长的驱动力来自智慧型手机的普及率不断提高以及消费者对功能丰富设备的偏好日益增强。用户越来越多地将钱包功能整合到智慧型手机和智慧型手錶中,这主要得益于诸如会员计划整合和交易记录追踪等额外优势。此外,设备製造商也积极整合支付功能,并将其打造为标配。该领域的快速成长预示着支付方式正向数位化优先的方向转变,尤其是在逐渐摆脱对实体卡依赖的年轻群体中。
预计在预测期内,欧洲将占据最大的市场份额。欧洲的主导地位可归功于早期且持续的监管支持,例如单一欧元支付区(SEPA)框架,以及积极推动银行业大规模将银行卡转换为非接触式支付方式的银行业。高密度的城市人口和先进的零售基础设施促进了商家的快速采用。主要城市广泛的公共交通网络中整合了非接触式支付,提高了消费者的接受度,使其成为常见的支付方式。这种普及巩固了欧洲的市场占有率。
预计亚太地区在预测期内将实现最高的复合年增长率,这主要得益于智慧型手机的快速普及、政府为促进数位经济发展而采取的支持措施,以及乐于接受新技术的年轻人口。印度、中国和东南亚国家等正在跨越传统的卡片支付系统,直接采用以行动装置为中心的非接触式支付解决方案。此外,领先的科技公司和能够无缝整合支付方式的超级应用生态系统的存在,也为未来几年市场的显着扩张创造了有利环境。
According to Stratistics MRC, the Global Contactless Payment Market is accounted for $41.5 billion in 2025 and is expected to reach $138.8 billion by 2032, growing at a CAGR of 18.8% during the forecast period. The contactless payment market focuses on tap-and-go transactions using NFC-enabled cards, smartphones, and wearable devices. It includes payment terminals, software, and secure communication technologies. Benefits include faster checkout times, enhanced customer convenience, reduced physical contact, improved transaction security, and higher transaction throughput for retailers and transport systems, supporting the shift toward cashless and frictionless payment experiences.
According to the European Central Bank, contactless payments represent over 60% of in-store card transactions in the Eurozone, up from less than 20% in 2016.
Faster transaction speed and improved convenience
The primary driver for contactless payment adoption is the significant reduction in transaction time, coupled with enhanced consumer convenience. Simply tapping a card or device reduces checkout times and eases terminal congestion. This efficiency is crucial in high-traffic environments like retail outlets and transit systems, directly improves the customer experience. Additionally, the hygienic benefit of reduced physical contact remains a persuasive factor in encouraging sustained use, particularly in a post-pandemic world. These advantages collectively drive consumer preference and merchant adoption, leading to expanded market penetration.
Limited transaction limits in some regions
Regulatory or bank-imposed limits on individual contactless transaction values temper market growth in certain areas. These caps, intended as security measures, can disrupt consumer spending patterns for higher-value purchases, necessitating a fallback to traditional chip-and-PIN methods. This friction at the point of sale can diminish the perceived convenience of the technology. Moreover, varying limits across regions create a fragmented user experience, potentially slowing overall adoption in affected markets, as consumers may hesitate to rely on this payment method.
Integration with transit, wearables, and IoT ecosystems
A significant growth avenue lies in embedding contactless payments into broader ecosystems, such as public transit, wearable technology, and connected IoT devices. This integration transforms everyday items like watches, key fobs, and even clothing into payment tools, further deepening market integration. Additionally, seamless transit payments address a key pain point, encouraging daily use. Such expansion beyond traditional retail creates new revenue streams and enhances user engagement, positioning contactless technology as an invisible and ubiquitous utility rather than merely a payment alternative.
Increase in contactless fraud and cyber-attacks
The rapid adoption of contactless payments has also attracted sophisticated fraud attempts, including relay attacks and digital skimming. This escalation in cyber threats erodes consumer trust, which is fundamental to the payment method's success. Financial institutions and merchants face increasing costs related to security upgrades, fraud mitigation, and potential liability. Ongoing worries about security might result in tougher rules or make consumers hesitant, especially for larger transactions, which could seriously threaten the growth and innovation of the market.
The pandemic acted as a profound accelerant for the contactless payment market. Health concerns over surface contact made the tap-and-go feature a crucial safety measure, shifting consumer behavior almost overnight. Retailers quickly adopted the technology to reassure customers and minimize physical interaction. This period normalized contactless usage for a broader demographic and for smaller, everyday purchases, a habit that has largely persisted. Consequently, the crisis compressed years of anticipated adoption into a short time frame, permanently altering the payments landscape.
The near field communication (NFC) segment is expected to be the largest during the forecast period
The near field communication (NFC) segment is expected to account for the largest market share during the forecast period due to its secure, standardized protocol, which is now universally embedded in payment cards and terminal hardware. Its widespread installation base, ranging from small merchants to large retailers, creates a powerful network effect. Industry analysis suggests that reliability and user familiarity with the simple tap mechanism, supported by robust security features like tokenization, ensure NFC's continued leadership. This well-established infrastructure makes it the most common and well-known contactless solution in the world.
The smartphones and wearables segment is expected to have the highest CAGR during the forecast period
Over the forecast period, the smartphones and wearables segment is predicted to witness the highest growth rate. The widespread adoption of smartphones and an increasing consumer preference for multifunctional devices drive its growth. Users are consolidating their wallets into their phones and smartwatches, motivated by the added benefits of loyalty integration and transaction tracking. Additionally, device manufacturers are actively embedding payment capabilities, establishing them as a standard feature. This segment's rapid growth rate signifies a shift toward digital-first payment methods, particularly among younger demographics, who are moving away from the need for physical cards.
During the forecast period, the Europe region is expected to hold the largest market share. Europe's leading position stems from early and cohesive regulatory support, such as the SEPA framework, along with a proactive banking sector that transitioned card stock to contactless formats on a large scale. High urban density and advanced retail infrastructure have facilitated swift merchant adoption. Integrating contactless payments into extensive public transport networks in major cities has enhanced consumer acceptance, making these payments a daily necessity. This widespread usage bolsters Europe's substantial market share.
Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR, driven by a surge in smartphone penetration, supportive government initiatives aimed at fostering digital economies, and a large, youthful population eager to embrace new technologies. Countries like India, China, and several Southeast Asian nations are bypassing traditional card-based systems in favor of mobile-centric contactless solutions. Furthermore, the presence of major technology players and super-app ecosystems that seamlessly integrate payment options creates a promising environment for substantial market expansion in the coming years.
Key players in the market
Some of the key players in Contactless Payment Market include Visa Inc., Mastercard Incorporated, American Express Company, PayPal Holdings, Inc., Stripe, Inc., Adyen N.V., Block, Inc., Apple Inc., Google LLC, Samsung Electronics Co., Ltd., Ant Group Co., Ltd., Tencent Holdings Limited, China UnionPay Co., Ltd., Fiserv, Inc., Worldline SA, Global Payments Inc., Nexi S.p.A., and SumUp Ltd.
In September 2025, Stripe, Inc. introduced the new Tap to Pay via Stripe Terminal SDK, allowing merchants to accept contactless payments on iPhone and Android devices.
In September 2025, PayPal Holdings, Inc. introduced the new Tap to Pay on PayPal App, enabling sellers to accept contactless payments directly on iPhone or Android without hardware.
In July 2025, Block, Inc. introduced the new Cash App Tap to Pay on iPhone, enabling over a million sellers to accept contactless payments without extra hardware.
In June 2024, American Express Company introduced the new expanded tap-and-pay acceptance for public transit systems worldwide, making commuting faster and more efficient.
Note: Tables for North America, Europe, APAC, South America, and Middle East & Africa Regions are also represented in the same manner as above.