支付安全市场 - 全球产业规模、份额、趋势、机会、预测（按类型、组件、解决方案、地区和竞争格局划分），2021-2031年

全球支付安全市场预计将从 2025 年的 308.2 亿美元成长到 2031 年的 655.1 亿美元，复合年增长率达到 13.39%。

该市场由监管通讯协定和技术解决方案组成，旨在保护敏感资料和金融交易免受未授权存取。其成长主要受国际贸易快速数位化以及企业必须满足严格的合规要求（例如支付卡产业资料安全标准 (PCI DSS)）的驱动。此外，日益严重的金融诈骗威胁也要求各机构实施强有力的防卫机制来保护其资产。为了说明有效安全措施的紧迫性，金融专业人士协会 (AFP) 的报告显示，到 2025 年，79% 的机构在 2024 年都曾遭遇支付诈骗未遂或实际发生的情况。

然而，市场扩张也带来了一项重大挑战：如何在严格的安全措施和流畅的客户体验之间取得平衡。过多的身份验证程序往往会给用户带来不便，并延误交易，导致更高的购物车放弃率，进而给商家造成相应的收入损失。因此，相关人员正不断努力製定严格的安全标准，以有效降低风险，同时又不影响合法支付作业的效率。

市场驱动因素

资料外洩和金融网路攻击事件的日益增多是全球支付安全市场的主要驱动力。随着攻击者利用日益复杂的技术，从人工智慧驱动的诈骗和社交工程到勒索软体，支付处理机构和金融机构面临着加强防御基础设施的巨大压力。恶意活动的增加促使人们需要先进的威胁侦测和回应系统来保护敏感的消费者资料。为了强调这项持续存在的威胁，2024年10月发布的《2024年上半年英国金融诈骗报告》指出，2024年上半年英国的诈骗事件总数较去年同期成长了16%。

同时，全球向非接触式和数位支付方式的快速转型正在改变安全格局。从现金到行动钱包、即时汇款和各种电子商务平台的转变扩大了攻击面，需要采取多种安全措施，例如多因素身份验证和令牌化。商家正积极扩展其支付功能以满足消费者偏好，这就催生了对现代化安全框架的需求。根据Visa于2024年3月发布的《2024年全球电子商务支付与诈欺报告》，82%的受访商家在上年度中至少实施了一种新的支付方式。保护这些管道的财务影响力以金额为准。 IBM报告称，2024年金融机构因资料外洩造成的平均损失将达608万美元，远高于全球平均。

市场挑战

全球支付安全市场面临的一大障碍在于，如何在实施严格的安全通讯协定和确保流畅的客户体验之间取得平衡。商家部署复杂的身份验证层来打击欺诈，而合法用户却常常面临繁琐的多因素身份验证和忘记登入凭证等问题。这种摩擦直接导致交易延迟和购物车放弃率上升，实际上为了打击不法分子而损害了合法用户的利益。因此，企业往往不愿意实施高阶安全解决方案，担心这些繁琐的措施会降低转换率并导致收入损失，阻碍了高阶安全技术的普及。

近期数据印证了这种犹豫，凸显了消费者对传统安全方式的不满。 FIDO联盟在2024年发布的报告显示，42%的消费者在上个月放弃了一次网路购物，原因只是忘记了密码。这项数据表明，当安全通讯协定阻碍了存取时，就会造成直接且可衡量的收入损失。只要身分验证机制被视为障碍而非受保护的资产，商家就可能继续谨慎投资于全面的安全套件，从而限制市场的快速成长。

市场趋势

生物识别和无密码认证的广泛普及正在改变全球支付安全市场，使其摆脱对静态凭证的依赖。这一趋势的驱动力在于对强大安全性和流畅用户体验的双重需求，它利用了基于FIDO的标准，使消费者能够透过持有特定凭证或唯一特征而非记忆进行身份验证。这种转变不仅降低了合法用户的支付摩擦，也降低了网路钓鱼和撞库人员编制的风险。根据Dashlane于2025年10月发布的《Passkey Power 20 2025》报告，全球Passkey认证量预计将同比增长超过一倍，这标誌着人们正明显地从传统密码转向防钓鱼的基础设施。

同时，网路标记化的广泛应用正逐渐成为保障支付生命週期安全和提升交易绩效的关键标准。这项技术以唯一的数位代币取代了敏感的主帐号（PAN），确保即使在极少数情况下发生资料洩露，底层资料对攻击者也毫无价值，从而有效降低了目标对网路犯罪分子的价值。除了安全性之外，该框架还透过简化生命週期管理，显着提升了业务永续营运。具体而言，身份验证凭证会自动更新，从而避免交易失败。万事达卡在2025年2月向美国证券交易委员会提交的文件中披露，到2024年，全球约有30%的交易采用了代币化技术，凸显了这项技术在工业规模上的快速发展。

目录

第一章概述

第二章调查方法

第三章执行摘要

第四章：客户评价

第五章 全球支付安全市场展望

• 市场规模及预测
  • 按金额
• 市占率及预测
  • 按类型（POS、Web 和行动装置）
  • 按组件（解决方案与服务）
  • 依解决方案分类（防毒和防火墙、资料加密、令牌化、其他）
  • 按地区
  • 按公司（2025 年）
• 市场地图

6. 北美支付安全市场展望

• 市场规模及预测
• 市占率及预测
• 北美洲：国家分析
  • 我们
  • 加拿大
  • 墨西哥

7. 欧洲支付安全市场展望

• 市场规模及预测
• 市占率及预测
• 欧洲：国家分析
  • 德国
  • 法国
  • 英国
  • 义大利
  • 西班牙

8. 亚太地区支付安全市场展望

• 市场规模及预测
• 市占率及预测
• 亚太地区：国家分析
  • 中国
  • 印度
  • 日本
  • 韩国
  • 澳洲

9. 中东和非洲支付安全市场展望

• 市场规模及预测
• 市占率及预测
• 中东和非洲：国家分析
  • 沙乌地阿拉伯
  • 阿拉伯聯合大公国
  • 南非

10. 南美洲支付安全市场展望

• 市场规模及预测
• 市占率及预测
• 南美洲：国家分析
  • 巴西
  • 哥伦比亚
  • 阿根廷

第十一章 市场动态

• 司机
• 任务

第十二章 市场趋势与发展

• 併购
• 产品发布
• 最新进展

第十三章 全球支付安全市场：SWOT分析

第十四章：波特五力分析

• 产业竞争
• 新进入者的可能性
• 供应商电力
• 顾客权力
• 替代品的威胁

第十五章 竞争格局

• Symantec Corporation
• Cisco Systems, Inc.
• IBM Corporation
• Trend Micro, Inc.
• Sophos Group plc
• NortonLifeLock Inc.
• McAfee, LLC
• CA Technologies
• Cybersource Corporation
• Thales Group
• Bluefin Payment Systems
• Trustwave Holdings, Inc.
• Ingenico Group

第十六章 策略建议

第十七章：关于研究公司及免责声明

The Global Payment Security Market is projected to expand from USD 30.82 Billion in 2025 to USD 65.51 Billion by 2031, achieving a CAGR of 13.39%. This market comprises the regulatory protocols and technological solutions designed to defend sensitive data and financial transactions against unauthorized access. Growth is primarily fuelled by the rapid digitization of international commerce and the obligation for enterprises to meet strict compliance mandates, such as PCI DSS. Furthermore, the rising threat of financial fraud compels the adoption of strong defense mechanisms to safeguard organizational assets. Highlighting the urgency for effective security, the Association for Financial Professionals reported in 2025 that 79% of organizations experienced attempted or actual payments fraud in 2024.

Nevertheless, market expansion faces a significant hurdle in reconciling stringent security measures with a smooth customer experience. Implementing excessive authentication steps frequently generates user friction and transaction delays, leading to higher rates of cart abandonment and subsequent revenue declines for merchants. As a result, stakeholders grapple with the ongoing challenge of establishing rigorous protection standards that successfully mitigate risk without hindering the efficiency of legitimate payment operations.

Market Driver

The rising incidence of data breaches and financial cyberattacks serves as a major catalyst for the Global Payment Security Market. With threat actors utilizing increasingly sophisticated methods-ranging from AI-driven fraud and social engineering to ransomware-payment processors and financial institutions face immense pressure to strengthen their defensive infrastructures. This uptick in malicious behavior fuels the necessity for sophisticated threat detection and response systems capable of guarding sensitive consumer data. Emphasizing the continuity of this threat, UK Finance's 'Half Year Fraud Report 2024', released in October 2024, noted a 16% increase in total fraud cases within the United Kingdom during the first half of 2024 compared to the prior year.

In parallel, the rapid global shift toward contactless and digital payment methods is transforming the security environment. The move from cash to mobile wallets, real-time transfers, and various e-commerce platforms creates a wider attack surface, requiring versatile security measures such as multi-factor authentication and tokenization. Merchants are actively expanding their payment capabilities to satisfy consumer preferences, creating a need for modernized security frameworks. According to Visa's '2024 Global eCommerce Payments & Fraud Report' from March 2024, 82% of merchants surveyed had introduced at least one new payment method in the previous year. The financial implications of securing these channels are profound; IBM reported that in 2024, the average cost of a data breach for financial organizations hit USD 6.08 million, a figure well above the global average.

Market Challenge

The principal obstacle restraining the Global Payment Security Market is the tension between enforcing strict security protocols and ensuring a seamless customer journey. As merchants deploy intricate authentication layers to counter fraud, legitimate users often face hurdles, such as burdensome multi-step verification or forgotten login details. This friction creates a direct link to transaction delays and increased cart abandonment, effectively penalizing valid customers in the effort to screen out malicious entities. Consequently, businesses are frequently reluctant to implement the most sophisticated security solutions, fearing that such intrusive measures will lower conversion rates and cause revenue attrition, thereby slowing the adoption of high-level protection technologies.

Recent data highlights the extent of consumer frustration with conventional security methods, validating this hesitation. In 2024, the FIDO Alliance reported that 42% of consumers had abandoned an online purchase within the prior month simply because they could not recall their password. This statistic illustrates that when security protocols hinder accessibility, the immediate outcome is a measurable loss in sales. As long as authentication mechanisms are viewed as impediments rather than protective assets, merchants will likely remain guarded about investing in comprehensive security suites, thus restricting the market's capacity for rapid growth.

Market Trends

The widespread shift toward Biometric and Passwordless Authentication is transforming the Global Payment Security Market by removing the dependence on static credentials. Driven by the necessity to reconcile robust security with a smooth user experience, this trend leverages FIDO-based standards to let consumers authenticate through possession and inherence factors instead of memory. This transition not only lowers checkout friction for legitimate users but also mitigates risks linked to phishing and credential stuffing. According to Dashlane's '2025 Passkey Power 20' report from October 2025, the global volume of passkey authentications more than doubled year-over-year, indicating a definitive move away from traditional passwords toward phishing-resistant infrastructures.

Simultaneously, the proliferation of Network Tokenization is establishing itself as a vital standard for securing the payment lifecycle while improving transaction performance. This technology substitutes sensitive Primary Account Numbers (PANs) with unique digital tokens, ensuring that the underlying data remains valueless to attackers even if a breach occurs, effectively devaluing the target for cybercriminals. Beyond security, this framework greatly supports business continuity by facilitating lifecycle management, where credentials update automatically to avoid declined transactions. In a February 2025 filing with the U.S. Securities and Exchange Commission, Mastercard disclosed that nearly 30% of its global transactions in 2024 utilized tokenization technology, highlighting the rapid industrial scaling of this capability.

Key Market Players

• Symantec Corporation
• Cisco Systems, Inc.
• IBM Corporation
• Trend Micro, Inc.
• Sophos Group plc
• NortonLifeLock Inc.
• McAfee, LLC
• CA Technologies
• Cybersource Corporation
• Thales Group
• Bluefin Payment Systems
• Trustwave Holdings, Inc.
• Ingenico Group

Report Scope

In this report, the Global Payment Security Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:

Payment Security Market, By Type

• POS
• Web
• Mobile

Payment Security Market, By Component

• Solutions
• Services

Payment Security Market, By Solution

• Antivirus & Firewall
• Data Encryption
• Tokenization
• Others

Payment Security Market, By Region

• North America
  • United States
  • Canada
  • Mexico
• Europe
  • France
  • United Kingdom
  • Italy
  • Germany
  • Spain
• Asia Pacific
  • China
  • India
  • Japan
  • Australia
  • South Korea
• South America
  • Brazil
  • Argentina
  • Colombia
• Middle East & Africa
  • South Africa
  • Saudi Arabia
  • UAE

Competitive Landscape

Company Profiles: Detailed analysis of the major companies present in the Global Payment Security Market.

Available Customizations:

Global Payment Security Market report with the given market data, TechSci Research offers customizations according to a company's specific needs. The following customization options are available for the report:

Company Information

• Detailed analysis and profiling of additional market players (up to five).

Table of Contents

1. Product Overview

• 1.1. Market Definition
• 1.2. Scope of the Market
  • 1.2.1. Markets Covered
  • 1.2.2. Years Considered for Study
  • 1.2.3. Key Market Segmentations

2. Research Methodology

• 2.1. Objective of the Study
• 2.2. Baseline Methodology
• 2.3. Key Industry Partners
• 2.4. Major Association and Secondary Sources
• 2.5. Forecasting Methodology
• 2.6. Data Triangulation & Validation
• 2.7. Assumptions and Limitations

3. Executive Summary

• 3.1. Overview of the Market
• 3.2. Overview of Key Market Segmentations
• 3.3. Overview of Key Market Players
• 3.4. Overview of Key Regions/Countries
• 3.5. Overview of Market Drivers, Challenges, Trends

4. Voice of Customer

5. Global Payment Security Market Outlook

• 5.1. Market Size & Forecast
  • 5.1.1. By Value
• 5.2. Market Share & Forecast
  • 5.2.1. By Type (POS, Web & Mobile)
  • 5.2.2. By Component (Solutions Vs. Services)
  • 5.2.3. By Solution (Antivirus & Firewall, Data Encryption, Tokenization & Others)
  • 5.2.4. By Region
  • 5.2.5. By Company (2025)
• 5.3. Market Map

6. North America Payment Security Market Outlook

• 6.1. Market Size & Forecast
  • 6.1.1. By Value
• 6.2. Market Share & Forecast
  • 6.2.1. By Type
  • 6.2.2. By Component
  • 6.2.3. By Solution
  • 6.2.4. By Country
• 6.3. North America: Country Analysis
  • 6.3.1. United States Payment Security Market Outlook
    • 6.3.1.1. Market Size & Forecast
      • 6.3.1.1.1. By Value
    • 6.3.1.2. Market Share & Forecast
      • 6.3.1.2.1. By Type
      • 6.3.1.2.2. By Component
      • 6.3.1.2.3. By Solution
  • 6.3.2. Canada Payment Security Market Outlook
    • 6.3.2.1. Market Size & Forecast
      • 6.3.2.1.1. By Value
    • 6.3.2.2. Market Share & Forecast
      • 6.3.2.2.1. By Type
      • 6.3.2.2.2. By Component
      • 6.3.2.2.3. By Solution
  • 6.3.3. Mexico Payment Security Market Outlook
    • 6.3.3.1. Market Size & Forecast
      • 6.3.3.1.1. By Value
    • 6.3.3.2. Market Share & Forecast
      • 6.3.3.2.1. By Type
      • 6.3.3.2.2. By Component
      • 6.3.3.2.3. By Solution

7. Europe Payment Security Market Outlook

• 7.1. Market Size & Forecast
  • 7.1.1. By Value
• 7.2. Market Share & Forecast
  • 7.2.1. By Type
  • 7.2.2. By Component
  • 7.2.3. By Solution
  • 7.2.4. By Country
• 7.3. Europe: Country Analysis
  • 7.3.1. Germany Payment Security Market Outlook
    • 7.3.1.1. Market Size & Forecast
      • 7.3.1.1.1. By Value
    • 7.3.1.2. Market Share & Forecast
      • 7.3.1.2.1. By Type
      • 7.3.1.2.2. By Component
      • 7.3.1.2.3. By Solution
  • 7.3.2. France Payment Security Market Outlook
    • 7.3.2.1. Market Size & Forecast
      • 7.3.2.1.1. By Value
    • 7.3.2.2. Market Share & Forecast
      • 7.3.2.2.1. By Type
      • 7.3.2.2.2. By Component
      • 7.3.2.2.3. By Solution
  • 7.3.3. United Kingdom Payment Security Market Outlook
    • 7.3.3.1. Market Size & Forecast
      • 7.3.3.1.1. By Value
    • 7.3.3.2. Market Share & Forecast
      • 7.3.3.2.1. By Type
      • 7.3.3.2.2. By Component
      • 7.3.3.2.3. By Solution
  • 7.3.4. Italy Payment Security Market Outlook
    • 7.3.4.1. Market Size & Forecast
      • 7.3.4.1.1. By Value
    • 7.3.4.2. Market Share & Forecast
      • 7.3.4.2.1. By Type
      • 7.3.4.2.2. By Component
      • 7.3.4.2.3. By Solution
  • 7.3.5. Spain Payment Security Market Outlook
    • 7.3.5.1. Market Size & Forecast
      • 7.3.5.1.1. By Value
    • 7.3.5.2. Market Share & Forecast
      • 7.3.5.2.1. By Type
      • 7.3.5.2.2. By Component
      • 7.3.5.2.3. By Solution

8. Asia Pacific Payment Security Market Outlook

• 8.1. Market Size & Forecast
  • 8.1.1. By Value
• 8.2. Market Share & Forecast
  • 8.2.1. By Type
  • 8.2.2. By Component
  • 8.2.3. By Solution
  • 8.2.4. By Country
• 8.3. Asia Pacific: Country Analysis
  • 8.3.1. China Payment Security Market Outlook
    • 8.3.1.1. Market Size & Forecast
      • 8.3.1.1.1. By Value
    • 8.3.1.2. Market Share & Forecast
      • 8.3.1.2.1. By Type
      • 8.3.1.2.2. By Component
      • 8.3.1.2.3. By Solution
  • 8.3.2. India Payment Security Market Outlook
    • 8.3.2.1. Market Size & Forecast
      • 8.3.2.1.1. By Value
    • 8.3.2.2. Market Share & Forecast
      • 8.3.2.2.1. By Type
      • 8.3.2.2.2. By Component
      • 8.3.2.2.3. By Solution
  • 8.3.3. Japan Payment Security Market Outlook
    • 8.3.3.1. Market Size & Forecast
      • 8.3.3.1.1. By Value
    • 8.3.3.2. Market Share & Forecast
      • 8.3.3.2.1. By Type
      • 8.3.3.2.2. By Component
      • 8.3.3.2.3. By Solution
  • 8.3.4. South Korea Payment Security Market Outlook
    • 8.3.4.1. Market Size & Forecast
      • 8.3.4.1.1. By Value
    • 8.3.4.2. Market Share & Forecast
      • 8.3.4.2.1. By Type
      • 8.3.4.2.2. By Component
      • 8.3.4.2.3. By Solution
  • 8.3.5. Australia Payment Security Market Outlook
    • 8.3.5.1. Market Size & Forecast
      • 8.3.5.1.1. By Value
    • 8.3.5.2. Market Share & Forecast
      • 8.3.5.2.1. By Type
      • 8.3.5.2.2. By Component
      • 8.3.5.2.3. By Solution

9. Middle East & Africa Payment Security Market Outlook

• 9.1. Market Size & Forecast
  • 9.1.1. By Value
• 9.2. Market Share & Forecast
  • 9.2.1. By Type
  • 9.2.2. By Component
  • 9.2.3. By Solution
  • 9.2.4. By Country
• 9.3. Middle East & Africa: Country Analysis
  • 9.3.1. Saudi Arabia Payment Security Market Outlook
    • 9.3.1.1. Market Size & Forecast
      • 9.3.1.1.1. By Value
    • 9.3.1.2. Market Share & Forecast
      • 9.3.1.2.1. By Type
      • 9.3.1.2.2. By Component
      • 9.3.1.2.3. By Solution
  • 9.3.2. UAE Payment Security Market Outlook
    • 9.3.2.1. Market Size & Forecast
      • 9.3.2.1.1. By Value
    • 9.3.2.2. Market Share & Forecast
      • 9.3.2.2.1. By Type
      • 9.3.2.2.2. By Component
      • 9.3.2.2.3. By Solution
  • 9.3.3. South Africa Payment Security Market Outlook
    • 9.3.3.1. Market Size & Forecast
      • 9.3.3.1.1. By Value
    • 9.3.3.2. Market Share & Forecast
      • 9.3.3.2.1. By Type
      • 9.3.3.2.2. By Component
      • 9.3.3.2.3. By Solution

10. South America Payment Security Market Outlook

• 10.1. Market Size & Forecast
  • 10.1.1. By Value
• 10.2. Market Share & Forecast
  • 10.2.1. By Type
  • 10.2.2. By Component
  • 10.2.3. By Solution
  • 10.2.4. By Country
• 10.3. South America: Country Analysis
  • 10.3.1. Brazil Payment Security Market Outlook
    • 10.3.1.1. Market Size & Forecast
      • 10.3.1.1.1. By Value
    • 10.3.1.2. Market Share & Forecast
      • 10.3.1.2.1. By Type
      • 10.3.1.2.2. By Component
      • 10.3.1.2.3. By Solution
  • 10.3.2. Colombia Payment Security Market Outlook
    • 10.3.2.1. Market Size & Forecast
      • 10.3.2.1.1. By Value
    • 10.3.2.2. Market Share & Forecast
      • 10.3.2.2.1. By Type
      • 10.3.2.2.2. By Component
      • 10.3.2.2.3. By Solution
  • 10.3.3. Argentina Payment Security Market Outlook
    • 10.3.3.1. Market Size & Forecast
      • 10.3.3.1.1. By Value
    • 10.3.3.2. Market Share & Forecast
      • 10.3.3.2.1. By Type
      • 10.3.3.2.2. By Component
      • 10.3.3.2.3. By Solution

11. Market Dynamics

• 11.1. Drivers
• 11.2. Challenges

12. Market Trends & Developments

• 12.1. Merger & Acquisition (If Any)
• 12.2. Product Launches (If Any)
• 12.3. Recent Developments

13. Global Payment Security Market: SWOT Analysis

14. Porter's Five Forces Analysis

• 14.1. Competition in the Industry
• 14.2. Potential of New Entrants
• 14.3. Power of Suppliers
• 14.4. Power of Customers
• 14.5. Threat of Substitute Products

15. Competitive Landscape

• 15.1. Symantec Corporation
  • 15.1.1. Business Overview
  • 15.1.2. Products & Services
  • 15.1.3. Recent Developments
  • 15.1.4. Key Personnel
  • 15.1.5. SWOT Analysis
• 15.2. Cisco Systems, Inc.
• 15.3. IBM Corporation
• 15.4. Trend Micro, Inc.
• 15.5. Sophos Group plc
• 15.6. NortonLifeLock Inc.
• 15.7. McAfee, LLC
• 15.8. CA Technologies
• 15.9. Cybersource Corporation
• 15.10. Thales Group
• 15.11. Bluefin Payment Systems
• 15.12. Trustwave Holdings, Inc.
• 15.13. Ingenico Group

16. Strategic Recommendations

17. About Us & Disclaimer