非接触式付款交易市场（按付款方式、最终用户和地区划分），2026 年至 2032 年

非接触式付款交易市场评估-2026-2032

行动钱包和NFC设备的兴起推动了非接触式付款交易的普及。随着企业越来越多地配备非接触式付款交易系统以改善客户体验，预计到 2024 年市场规模将超过 143.6 亿美元，到 2032 年将达到约 349.3 亿美元。

此外，对数位付款交易的支持性法规和奖励正在促进向无现金交易的转变，并刺激非接触式付款交易的采用。网路购物的兴起推动了店内和网上交易采用非接触式解决方案，预计这将推动市场在 2026 年至 2032 年期间以 11.75% 的复合年增长率增长。

非接触式付款交易市场定义/概述

非接触式付款交易是付款设备与终端机之间无需实体接触即可进行付款交易的方式。该技术使用近距离场通讯(NFC) 或无线射频识别 (RFID)，只需将卡片、智慧型手机或穿戴式装置靠近启用的付款交易终端即可实现安全交易。此流程旨在快速高效，提高整体使用者体验。

非接触式付款交易广泛应用于零售、公共运输和饭店等各个领域。在零售业，消费者可以在收银台刷卡或使用智慧型手机快速购物，减少等待时间。公共运输正日益走向无现金化，车费可透过非接触感应卡和行动应用程式无缝支付。此外，为了满足消费者对便利和快速的需求，许多企业正在采用非接触式付款交易解决方案。

智慧型手机和穿戴式装置的快速普及将如何推动非接触式付款交易的普及？

智慧型手机和穿戴式装置的快速普及正在推动非接触式付款交易市场的重大进步。根据皮尤研究中心统计，2020年全球智慧型手机普及率达78%，消费者越来越喜欢行动钱包和非接触式付款交易的便利性。近年来，这一趋势不断加速，苹果于 2023 年 6 月宣布，Apple Pay 交易量较去年同期成长超过 50%，显示与前一年同期比较越来越偏好非接触式支付方式。

随着消费者和企业寻求更安全、非接触式的交易方式，COVID-19 疫情成为非接触式付款交易广泛采用的催化剂。美国联邦储备委员会报告称，2020年非接触式付款交易与前一年同期比较增34%。为了因应消费行为的这些变化，各个领域的企业都在投资非接触式付款交易基础设施。 2023 年 8 月，万事达卡宣布了其最新创新：生物辨识结帐计画。该计划将允许消费者使用脸部认证或指纹进行付款交易，进一步扩大非接触式支付选项。

政府支持数位付款交易的措施和法规也在推动市场成长。欧洲央行报告称，欧元区非接触式付款交易份额将从2019年的41%上升至2022年的62%。这激增的部分原因是许多欧洲国家在疫情期间提高了非接触式付款交易的限额。为了满足这一日益增长的需求，Visa 于 2023 年 7 月宣布，将把其 Tap to Phone 技术扩展到 15 个新市场，使中小型企业能够直接在智慧型手机上进行非接触式付款交易，而无需额外的硬体。

非接触式付款交易缺乏广泛的基础设施是否阻碍了市场成长？

非接触式付款交易市场面临一些影响其成长和采用的限制因素。其中一个关键挑战是缺乏基础设施。许多小型零售商和企业可能没有必要的付款交易终端或技术来支援非接触式交易，这限制了消费者的存取并降低了整体使用率。

另一个限制是安全问题。儘管加密和安全功能取得了进步，但一些消费者仍然对非接触式付款交易中潜在的诈骗和资料外洩保持警惕。这种担忧可能会阻碍人们采用这些支付方式，尤其是对于不太熟悉该技术的老年族群。

此外，不同地区的法规各不相同，这可能会导致复杂的问题。对于企业来说，遵守有关数位付款交易的当地法律可能很复杂且成本高昂。这种不一致可能会减缓非接触式付款交易系统的采用，尤其是在法律规范严格的国家。

另一个挑战是来自行动银行和传统卡片付款交易等替代付款方式的竞争。消费者进行交易的方式多种多样，因此必须清楚传达非接触式付款交易的独特优势，以推动其采用。

目录

第一章 非接触式付款交易的全球市场介绍

• 市场介绍
• 研究范围
• 先决条件

第二章执行摘要

第三章：已验证的市场研究调查方法

• 资料探勘
• 验证
• 第一手资料
• 资料来源列表

第四章 全球非接触式付款交易市场展望

• 概述
• 市场动态
  • 驱动程式
  • 限制因素
  • 机会
• 波特五力模型
• 价值链分析

第五章 全球非接触式付款交易市场（按付款方式）

• 概述
• 非接触式卡
• 穿戴式装置
• 非接触式行动付款交易

6. 全球非接触式付款交易市场（按最终用户）

• 概述
• 零售
• 媒体与娱乐
• 饭店业
• 卫生保健

7. 全球非接触式付款交易市场（按地区）

• 概述
• 北美洲
  • 美国
  • 加拿大
  • 墨西哥
• 欧洲
  • 德国
  • 英国
  • 法国
  • 其他欧洲国家
• 亚太地区
  • 中国
  • 日本
  • 印度
  • 其他亚太地区
• 其他的
  • 拉丁美洲
  • 中东和非洲

第八章全球非接触式付款交易市场竞争格局

• 概述
• 各公司市场排名
• 重点发展策略

第九章 公司简介

• Barclays Bank PLC
• Ingenico Group
• Wirecard AG
• VeriFone, Inc.
• Proxama PLC
• Gemalto NV

第十章 附录

• 相关调查

Contactless Payment Transaction Market Valuation - 2026-2032

The rise of mobile wallets and NFC-enabled devices are propelling the adoption of contactless payment transaction. Businesses are increasingly equipping themselves with contactless payment systems to enhance customer experience, this is driving the market size surpass USD 14.36 Billion valued in 2024 to reach a valuation of around USD 34.93 Billion by 2032.

In addition to this, supportive regulations and incentives for digital payments promote the shift towards cashless transactions, this is spurring up the adoption of contactless payment transaction. The expansion of online shopping encourages the adoption of contactless solutions for both in-store and online transactions, this is enabling the market grow at a CAGR of 11.75% from 2026 to 2032.

Contactless Payment Transaction Market: Definition/ Overview

Contactless payment transactions refer to the method of making payments without the need for physical contact between the payment device and the terminal. This technology utilizes Near Field Communication (NFC) or radio-frequency identification (RFID) to enable secure transactions by simply tapping a card, smartphone, or wearable device near a compatible payment terminal. The process is designed to be quick and efficient, enhancing the overall user experience.

Contactless payments are widely used in various sectors, including retail, public transportation, and hospitality. In retail, consumers can make swift purchases at checkout counters by tapping their cards or smartphones, reducing wait times. In public transportation, contactless cards or mobile apps allow users to pay fares seamlessly, promoting cashless travel. Additionally, many businesses are adopting contactless payment solutions to cater to consumer demand for convenience and speed.

How will Rapid Adoption of Smartphones and Wearable Devices Increasing the Adoption of Contactless Payment Transactions?

The rapid adoption of smartphones and wearable devices has significantly propelled the contactless payment transaction market forward. With the global smartphone penetration rate reaching 78% in 2020 according to the Pew Research Center, consumers have increasingly embraced the convenience of mobile wallets and contactless payments. This trend has accelerated in recent years, with Apple announcing in June 2023 that Apple Pay transactions had grown by over 50% year-over-year, demonstrating the growing preference for contactless methods.

The COVID-19 pandemic has acted as a catalyst for contactless payment adoption, as consumers and businesses sought safer, touch-free transaction methods. The U.S. Federal Reserve reported that contactless payments increased by 34% in 2020 compared to the previous year. This shift in consumer behavior has prompted businesses across various sectors to invest in contactless payment infrastructure. In August 2023, Mastercard unveiled its latest innovation, the Biometric Checkout Program, which allows consumers to pay using facial recognition or fingerprints, further expanding contactless options.

Government initiatives and regulations supporting digital payments have also driven market growth. The European Central Bank reported that the share of contactless payments in the euro area rose from 41% in 2019 to 62% in 2022. This surge can be partially attributed to increased contactless payment limits implemented by many European countries during the pandemic. In response to this growing demand, Visa announced in July 2023 the expansion of its Tap to Phone technology to 15 new markets, enabling small businesses to accept contactless payments directly on their smartphones without additional hardware.

Will Lack of Widespread Infrastructure of Contactless Payment Transaction Restrain Its Market Growth?

The free contactless payment transaction market faces several restraints that can impact its growth and adoption. One significant challenge is the lack of widespread infrastructure. Many smaller retailers and businesses may not have the necessary payment terminals or technology to support contactless transactions, limiting consumer access and reducing overall usage.

Another restraint is security concerns. Despite advancements in encryption and security features, some consumers remain wary of potential fraud and data breaches associated with contactless payments. This apprehension can hinder the willingness to adopt these payment methods, especially among older demographics who may be less familiar with the technology.

Additionally, varying regulations across different regions can create complications. Compliance with local laws regarding digital payments can be complex and costly for businesses. This inconsistency may slow the implementation of contactless payment systems, particularly in countries with stringent regulatory frameworks.

Also, competition from alternative payment methods, such as mobile banking and traditional card payments, poses a challenge. As consumers have numerous options for making transactions, the unique benefits of contactless payments must be clearly communicated to encourage greater adoption, or they risk being overlooked in favor of more familiar methods.

Category-Wise Acumens

Will Rise in Adoption of Contactless Mobile Payments Drive Contactless Payment Transaction Market Growth?

Contactless mobile payments have emerged as a dominant force in the contactless payment transaction market, driven by widespread smartphone adoption and evolving consumer preferences. According to the Federal Reserve's 2022 Diary of Consumer Payment Choice, mobile payment usage in the United States increased by 12% from 2020 to 2021. This trend is reflected globally, with consumers increasingly relying on their smartphones for quick and convenient transactions. In August 2023, Google announced the expansion of its Google Wallet to support digital IDs and driver's licenses in select U.S. states, further integrating mobile devices into daily financial interactions.

The rise of near-field communication (NFC) technology has been instrumental in the proliferation of contactless mobile payments. The European Central Bank reported that in 2022, 62% of all in-person card payments in the euro area were contactless, up from 41% in 2019. This significant increase demonstrates the growing consumer comfort with tap-to-pay technology. Capitalizing on this trend, Samsung unveiled its Wallet platform in February 2023, combining digital payments, IDs, and keys in one secure mobile application, enhancing the convenience and versatility of mobile payment solutions.

Which Factors Enhance the Use of Contactless Payment Transaction in Retail Industry?

The retail industry has emerged as a dominant force in the contactless payment transaction market, driven by changing consumer preferences and the need for faster, more convenient checkout experiences. According to the U.S. Department of Commerce, e-commerce sales accounted for 14.6% of total retail sales in the second quarter of 2023, highlighting the growing importance of digital and contactless payment options. This shift has prompted major retailers to invest heavily in contactless payment infrastructure. In September 2023, Walmart announced the expansion of its "Scan & Go" technology to all U.S. stores, allowing customers to scan items and pay using their smartphones, further streamlining the checkout process.

Brick-and-mortar retailers have rapidly adopted contactless payment technologies to remain competitive and meet customer expectations. The UK Finance's Payment Markets Report 2023 revealed that contactless payments accounted for 57% of all card transactions in the UK in 2022, demonstrating the widespread acceptance of this technology in retail settings. This trend has led to innovations in point-of-sale systems. In August 2023, Square introduced its latest contactless payment terminal with a customer-facing display, designed specifically for retail environments to enhance the shopping experience and reduce checkout times.

Country/Region-wise Acumens

Will Early Adoption of Technologies in North America Mature Contactless Payment Transaction Market?

North America has emerged as a dominant force in the contactless payment transaction market, driven by rapid technological adoption and a strong financial infrastructure. According to the Federal Reserve Bank of San Francisco, contactless payments in the United States increased by 150% between 2019 and 2021, indicating a significant shift in consumer behavior. This growth has been further accelerated by the pandemic and the increasing availability of contactless-enabled cards and devices. In August 2023, Visa reported that over 80% of in-person transactions in the U.S. now occur at contactless-enabled merchant locations, showcasing the widespread acceptance of this technology across the region.

The Canadian market has been particularly progressive in contactless payment adoption. Statistics Canada reported that in 2022, 85% of Canadians used contactless payments for in-store purchases, up from 62% in 2019. This high adoption rate has made Canada a key testing ground for innovative payment solutions. In July 2023, Mastercard announced the launch of its biometric payment program in Canada, allowing consumers to authenticate purchases using facial recognition or fingerprints, further enhancing the convenience and security of contactless transactions in the North American market.

Will Rising Industrialization Enhance Adoption of Contactless Payment Transaction in Asia Pacific?

The Asia Pacific region is experiencing rapid growth in the contactless payment transaction market, driven by increasing smartphone penetration and government initiatives promoting digital payments. According to the Reserve Bank of India, the volume of contactless card transactions in the country grew by 187% in FY 2022-23 compared to the previous year. This substantial increase reflects the region's swift adoption of contactless technologies. In July 2023, Alipay+ announced its expansion to South Korea, partnering with local mobile payment service Kakao Pay, further integrating cross-border contactless payment solutions across the Asia Pacific region.

China continues to lead the contactless payment revolution in Asia Pacific, with its advanced mobile payment ecosystem. The People's Bank of China reported that in 2022, mobile payments accounted for 86.4% of all non-cash transactions in the country. This dominance has inspired innovation across the region. In August 2023, Singapore's DBS Bank launched a new feature allowing customers to make contactless ATM withdrawals using QR codes, eliminating the need for physical cards and enhancing convenience while maintaining security.

Competitive Landscape

The contactless payment transaction market is a dynamic and competitive space, characterized by a diverse range of players vying for market share. These players are on the run for solidifying their presence through the adoption of strategic plans such as collaborations, mergers, acquisitions, and political support.

The organizations are focusing on innovating their product line to serve the vast population in diverse regions. Some of the prominent players operating in the contactless payment transaction market include:

• Visa
• Mastercard
• American Express
• PayPal
• Samsung Pay
• Apple Pay
• Google Pay
• Square
• Stripe
• NFC Forum
• Adyen
• Ingenico
• Verifone
• Worldpay
• Zelle
• UnionPay
• EMVCo
• Bluefin
• Toast
• Clover

Latest Developments

• In August 2023, Visa announced the launch of a new contactless payment card that leverages biometric authentication, enhancing security and user convenience for transactions.
• In September 2023, Mastercard partnered with a leading fintech company to introduce a mobile wallet that supports multiple currencies and allows for seamless cross-border contactless payments.

Contactless Payment Transaction Market, By Category

• Mode of Payment:
• Contactless Card
• Wearable Devices
• Contactless Mobile Payment
• End-User:
• Retail
• Media & Entertainment
• Hospitality
• Healthcare
• Region:
• North America
• Europe
• Asia-Pacific
• South America
• Middle East & Africa

TABLE OF CONTENTS

1 INTRODUCTION OF GLOBAL CONTACTLESS PAYMENT TRANSACTION MARKET

• 1.1 Introduction of the Market
• 1.2 Scope of Report
• 1.3 Assumptions

2 EXECUTIVE SUMMARY

3 RESEARCH METHODOLOGY OF VERIFIED MARKET RESEARCH

• 3.1 Data Mining
• 3.2 Validation
• 3.3 Primary Interviews
• 3.4 List of Data Sources

4 GLOBAL CONTACTLESS PAYMENT TRANSACTION MARKET OUTLOOK

• 4.1 Overview
• 4.2 Market Dynamics
  • 4.2.1 Drivers
  • 4.2.2 Restraints
  • 4.2.3 Opportunities
• 4.3 Porters Five Force Model
• 4.4 Value Chain Analysis

5 GLOBAL CONTACTLESS PAYMENT TRANSACTION MARKET, BY MODE OF PAYMENT

• 5.1 Overview
• 5.2 Contactless Card
• 5.3 Wearable Devices
• 5.4 Contactless Mobile Payment

6 GLOBAL CONTACTLESS PAYMENT TRANSACTION MARKET, BY END-USER

• 6.1 Overview
• 6.2 Retail
• 6.3 Media & Entertainment
• 6.4 Hospitality
• 6.5 Healthcare

7 GLOBAL CONTACTLESS PAYMENT TRANSACTION MARKET, BY GEOGRAPHY

• 7.1 Overview
• 7.2 North America
  • 7.2.1 U.S.
  • 7.2.2 Canada
  • 7.2.3 Mexico
• 7.3 Europe
  • 7.3.1 Germany
  • 7.3.2 U.K.
  • 7.3.3 France
  • 7.3.4 Rest of Europe
• 7.4 Asia Pacific
  • 7.4.1 China
  • 7.4.2 Japan
  • 7.4.3 India
  • 7.4.4 Rest of Asia Pacific
• 7.5 Rest of the World
  • 7.5.1 Latin America
  • 7.5.2 Middle East and Africa

8 GLOBAL CONTACTLESS PAYMENT TRANSACTION MARKET COMPETITIVE LANDSCAPE

• 8.1 Overview
• 8.2 Company Market Ranking
• 8.3 Key Development Strategies

9 COMPANY PROFILES

• 9.1 Barclays Bank PLC
  • 9.1.1 Overview
  • 9.1.2 Financial Performance
  • 9.1.3 Product Outlook
  • 9.1.4 Key Developments
• 9.2 Ingenico Group
  • 9.2.1 Overview
  • 9.2.2 Financial Performance
  • 9.2.3 Product Outlook
  • 9.2.4 Key Developments
• 9.3 Wirecard AG
  • 9.3.1 Overview
  • 9.3.2 Financial Performance
  • 9.3.3 Product Outlook
  • 9.3.4 Key Developments
• 9.4 VeriFone, Inc.
  • 9.4.1 Overview
  • 9.4.2 Financial Performance
  • 9.4.3 Product Outlook
  • 9.4.4 Key Developments
• 9.5 Proxama PLC
  • 9.5.1 Overview
  • 9.5.2 Financial Performance
  • 9.5.3 Product Outlook
  • 9.5.4 Key Developments
• 9.6 Gemalto N.V.
  • 9.6.1 Overview
  • 9.6.2 Financial Performance
  • 9.6.3 Product Outlook
  • 9.6.4 Key Developments

10 Appendix

• 10.1 Related Research