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市場調查報告書
商品編碼
1954612
全球SoftPos市場:市場規模、佔有率、成長率、產業分析、依類型、應用和地區劃分的分析以及未來預測(2026-2034)SoftPoS Market Size, Share, Growth and Global Industry Analysis By Type & Application, Regional Insights and Forecast to 2026-2034 |
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2025年全球SoftPos市場規模為4.188億美元,預計2026年將成長至5.039億美元。到2034年,該市場預計將達到16.87億美元,在預測期(2026-2034年)內保持16.30%的強勁年複合成長率。2025年,北美以34.00%的市場佔有率領先,這得益於其強大的數位支付基礎設施和較高的智慧型手機普及率。
SoftPoS(Software Point of Sale),也稱為手機支付或手機輕觸支付,可直接透過支援NFC功能的智慧型手機和平板電腦進行非接觸式支付,無需傳統的POS硬體。這種基於軟體的解決方案顯著降低了部署成本,並提升了各種規模企業的支付便利性。
市場概覽
SoftPoS技術利用近場通訊(NFC)技術,將安卓智慧型手機和平板電腦轉變為非接觸式支付終端。這無需額外的硬件,降低了商家的營運成本。此解決方案尤其適用於中小企業、獨立零售商和服務提供者。
在新冠疫情期間,對非接觸式和無現金支付系統的需求顯著成長。普惠金融的推動和數位化支付的快速轉變,推動了全球範圍內手機輕觸支付解決方案的普及。金融服務(包括支付、借貸和儲蓄)的數位化進程不斷推進,持續增強SoftPoS生態系統。
市場趨勢
穿戴式支付手環的興起
塑造SoftPoS市場的關鍵趨勢之一是穿戴式支付裝置(例如支援NFC的支付手環)的興起。這些設備無需傳統硬體即可實現無縫的非接觸式交易。
例如,2022年11月,BillBox發布了與Visa和NSDL支付銀行合作開發的可穿戴設備 "TapTap" ,該設備支援安全的非接觸式支付。利用NFC、RFID和條碼技術的可穿戴設備增強了移動性,減少了等待時間,並透過生物識別認證提供個人化體驗。
市場成長驅動因素
智慧型手機普及率提高
支援NFC的智慧型手機的興起是SoftPoS市場的主要成長驅動因素。SoftPoS 將安卓智慧型手機變成支付終端,簡化商家部署並降低硬體成本。
2022年 3月,Nexi 集團旗下子公司 Nets 發布了 "SoftPay.io" ,無需額外硬體即可在安卓設備上實現非接觸式支付。根據萬事達卡的一項調查,約 40%的美國人使用安卓商家智慧型手機進行 SoftPoS 交易。智慧型手機在全球的持續普及預計將顯著提升產品需求。
限制因子
安卓系統的限制
目前,SoftPoS 解決方案主要運行在支援 NFC 功能的安卓裝置上,這限制了其應用範圍。交易量限制和相容性問題可能會限制其在大型企業中的使用。雖然此解決方案非常適合自僱人士和小型企業,但大型企業通常依賴整合支付網關或傳統的POS 基礎設施。
市場區隔分析
依公司規模
市場區隔分為中小企業(SME)和中型企業(MME)。預計到2026年,中小企業(SME)將佔據 51.92%的市場佔有率,這主要得益於其低實施成本、易用性和安全性。預計中小企業市場將保持其主導地位至2034年。同時,由於交易量需求,中型企業可能更傾向於選擇其他支付網關。
依最終使用者劃分
依最終用戶劃分,市場可分為零售、餐飲與住宿、服務業(劇院、美容院等)等行業。
預計零售業將維持較高的年複合成長率,到2026年將佔據 36.38%的市場佔有率。由於零售商交易頻率高、單筆交易金額小,SoftPOS 非常適合他們。餐飲和飯店業受益於庫存管理和線上訂單管理等整合功能。此外,由於其便利性和靈活性,水管工和電工等服務業從業人員也日益採用手機支付解決方案。
北美
預計北美將引領市場,2025年市場估值將達到 1.4242億美元,2026年將達到 1.6929億美元。支付解決方案提供者的強大實力以及非接觸式支付的日益普及是推動該地區成長的主要因素。光是美國市場預計到2026年就將達到 884.6億美元。
亞太地區
亞太地區在預測期內達到最高的年複合成長率。 NFC 智慧型手機的日益普及以及行動錢包使用量的增加是推動這一成長的主要因素。預計到2026年,日本市場規模將達到 288.7億美元,中國將達到 136.3億美元,印度將達到 358.6億美元。
歐洲
由於數位支付和 "先買後付" (BNPL)模式的廣泛應用,歐洲市場預計將實現顯著成長。預計到2026年,英國市場規模將達到 243.6億美元,德國市場規模將達到 141.8億美元。
中東、非洲和南美洲
這些地區尚處於發展階段,但展現出巨大的潛力。預計不斷拓展的合作夥伴關係和數位化支付措施將支持穩定成長。
主要公司
SoftPoS 市場的主要公司包括:
主要產業趨勢
The global SoftPoS market was valued at USD 418.8 million in 2025 and is projected to grow to USD 503.9 million in 2026. The market is expected to reach USD 1,687.00 million by 2034, registering a robust CAGR of 16.30% during the forecast period (2026-2034). In 2025, North America dominated the market with a 34.00% share, supported by strong digital payment infrastructure and high smartphone penetration.
SoftPoS (Software Point of Sale), also known as Tap-on-Phone or Tap-to-Phone, enables merchants to accept contactless payments directly through NFC-enabled smartphones and tablets without requiring traditional POS hardware. This software-based solution significantly reduces setup costs and enhances payment convenience for businesses of all sizes.
Market Overview
SoftPoS technology transforms Android smartphones and tablets into contactless payment terminals using Near-field Communication (NFC). It eliminates the need for additional hardware, lowering operational expenses for merchants. The solution is particularly beneficial for small and medium-sized enterprises (SMEs), independent retailers, and service providers.
During the COVID-19 pandemic, the demand for contactless and cashless payment systems accelerated significantly. Financial inclusion initiatives and the rapid shift toward digital payments boosted the adoption of tap-to-phone solutions worldwide. The growing digitalization of financial services-including payment receipt, borrowing, and saving-continues to strengthen the SoftPoS ecosystem.
Market Trends
Emergence of Wearable Payment Bands
A key trend shaping the SoftPoS market is the rise of wearable payment devices such as NFC-enabled payment bands. These devices facilitate seamless contactless transactions without traditional hardware.
For instance, in November 2022, BillBox introduced TapTap, a wearable device developed in partnership with Visa and NSDL Payments Bank, enabling secure contactless payments. Wearable devices operating on NFC, RFID, and barcode technologies enhance mobility, reduce queues, and provide personalized experiences through biometric authentication.
Market Growth Drivers
Rising Smartphone Penetration
The increasing number of NFC-enabled smartphones is a major growth driver for the SoftPoS market. SoftPoS converts Android smartphones into payment terminals, simplifying merchant onboarding and eliminating hardware costs.
In March 2022, Nets (a Nexi Group subsidiary) launched "SoftPay.io," allowing Android devices to accept contactless payments without additional hardware. According to a MasterCard poll, nearly 40% of Americans use Android-based merchant phones for SoftPoS transactions. The continued expansion of smartphone adoption globally is expected to significantly boost product demand.
Restraining Factors
Android-Only Limitation
Currently, SoftPoS solutions primarily operate on NFC-enabled Android devices, limiting broader adoption. Transaction value caps and compatibility constraints may restrict usage among large enterprises. While the solution is ideal for independent merchants and SMEs, large enterprises often rely on integrated payment gateways and traditional POS infrastructure.
Market Segmentation Analysis
By Enterprise Type
The market is segmented into small businesses and medium businesses. In 2026, small businesses accounted for a 51.92% share, driven by low setup costs, ease of use, and secure operations. The small business segment is projected to maintain dominance through 2034. Medium-sized businesses, however, may prefer alternative payment gateways due to transaction volume requirements.
By End-User
Based on end-user, the market is segmented into retail, restaurants/hospitality, service-based businesses (theaters and beauty salons), and others.
The retail segment is expected to hold a strong CAGR and accounted for 36.38% share in 2026. High transaction frequency and smaller ticket sizes make SoftPoS highly suitable for retail merchants. Restaurants and hospitality businesses benefit from integrated features such as inventory tracking and online order management. Additionally, service-based professionals like plumbers and electricians increasingly adopt tap-to-phone solutions for mobility and convenience.
North America
North America led the market in 2025 with a valuation of USD 142.42 million and is projected to reach USD 169.29 million in 2026. The strong presence of payment solution providers and growing contactless payment adoption drive regional growth. The U.S. market alone is projected to reach USD 88.46 billion by 2026.
Asia Pacific
Asia Pacific is expected to witness the highest CAGR during the forecast period. Growing NFC smartphone adoption and strong mobile wallet usage support growth. Japan is projected to reach USD 28.87 billion by 2026, China USD 13.63 billion, and India USD 35.86 billion.
Europe
Europe is projected to demonstrate significant growth due to rising digital payments and Buy Now, Pay Later (BNPL) adoption. The U.K. market is expected to reach USD 24.36 billion by 2026, while Germany is projected at USD 14.18 billion.
Middle East & Africa and South America
These regions are in developing stages but show promising potential. Expanding partnerships and digital payment initiatives are expected to support steady growth.
Key Industry Players
Major companies operating in the SoftPoS market include:
Key Industry Developments
Conclusion
The SoftPoS market is witnessing strong growth driven by rising smartphone penetration, increasing contactless payment adoption, and cost-effective merchant solutions. Valued at USD 418.8 million in 2025, the market is projected to reach USD 1,687.00 million by 2034, growing at a CAGR of 16.30%. While Android-based limitations pose challenges, expanding digital ecosystems, wearable payment innovations, and SME adoption will continue to fuel market expansion globally through 2034.
Segmentation By Enterprise Type, End-User, and Region
Segmentation By Enterprise Type
By End-User
By Region