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市場調查報告書
商品編碼
1922850

日本付款閘道市場規模、佔有率、趨勢及預測（按應用、互動方式及地區分類），2026-2034年

Japan Payment Gateways Market Size, Share, Trends and Forecast by Application, Mode of Interaction, and Region, 2026-2034
出版日期: | 出版商: IMARC | 英文 118 Pages | 商品交期: 5-7個工作天內

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簡介目錄

2025年，日本付款閘道市場規模達16.246億美元。 IMARC Group預測，到2034年，該市場規模將達到26.484億美元，2026年至2034年的複合年成長率（CAGR）為5.58%。推動市場成長的因素包括：無現金交易的日益普及、非接觸式零售需求的成長、政府主導的數位化獎勵、忠誠度計畫與電子錢包的整合、金融科技的擴張、API驅動型閘道的創新、開放銀行標準的實施、符合APPI標準的數據處理、嵌入式金融解決方案，以及樂天支付、PayPay和LINE Pay等平台之間日益增強的互通性。

日本付款閘道市場的發展趨勢：

數位零售轉型和向無現金交易的轉變

日本零售業，包括便利商店、百貨連鎖店和旅遊服務業，正經歷數位化轉型，這主要得益於消費者對非接觸式和線上支付方式日益成長的偏好。在這轉型過程中，付款閘道已成為確保客戶、商家和金融機構之間交易流程順暢的關鍵。零售商正在加速採用支援即時支付、相容於國內電子錢包以及整合會員積分計劃的閘道器解決方案。競爭優勢的核心在於能夠以最小的摩擦實現跨平台交易。這正在重塑日本付款閘道的市場佔有率，尤其是那些能夠有效支援與樂天支付、PayPay 和 LINE Pay 等國內平台互通性的供應商。政府對無現金支付基礎設施的支持措施，例如無現金退款計劃和數位花園城市計劃，進一步強化了這一趨勢。這些措施正在加速電子支付系統的普及，尤其是在傳統上依賴現金的中小型企業。根據2025年2月至3月在日本進行的一項調查，信用卡已成為最常用的非現金支付方式，73%的受訪者表示經常使用。同時，僅有7.2%的受訪者表示他們日常交易完全依賴現金。提供庫存管理、分析和客戶關係管理（CRM）工具等整合服務的支付付款閘道，在零售商的數位轉型策略中正日益受到重視。隨著這些系統的擴展，網路安全措施、系統運作以及遵守日本《個人資訊保護法》（APPI）的資料在地化要求，仍然是供應商關注的重點。

將金融科技解決方案與開放銀行標準融合

隨著提供更快、更低成本、更可客製化交易服務的金融科技平台的崛起，日本的支付生態系統正在迅速重塑。金融科技公司正積極利用API將付款閘道與P2P借貸、數位錢包和訂閱收費等服務整合。這推動了注重柔軟性、自動化和開發者友善介面的閘道器解決方案的普及。對無縫整合到企業系統的需求日益成長，尤其是在SaaS平台、線上教育提供者和行動應用程式領域。企業為提升客戶體驗和減少營運瓶頸所做的努力，大大促進了日本付款閘道市場的成長。同時，受《銀行法》修訂的推動，日本正向開放銀行轉型，這擴大了金融API的存取權限，並使持牌企業能夠與閘道器提供者合作，提供個人化的即時支付服務。 2024年3月5日，Stripe啟動了「Tour Tokyo 2024」策略計劃，旨在透過支持數位化優先型企業和實現本地支付基礎設施現代化，加強其在日本市場的地位。此次宣傳活動重點介紹了Stripe與日本企業的合作，以及其不斷擴展的客製化支付工具套件，這些工具可用於國內和跨境交易。金融機構優先考慮能夠實現資料共用和即時核准，同時​​嚴格遵守《個人資訊保護法》（APPI）和金融廳相關規定的合作夥伴。在這種環境下，能夠支援多通路編配、代幣化和無縫對帳的付款閘道更具優勢。日本付款閘道市場的整體前景受到監管支持、數位創新以及對可擴展基礎設施日益成長的需求等因素的共同影響，這些基礎設施旨在支持跨不同服務領域的嵌入式金融。

本報告解答的關鍵問題

  • 日本付款閘道市場目前發展狀況如何？未來幾年又將如何發展？
  • 日本付款閘道市場按應用領域分類的組成是怎樣的？
  • 日本付款閘道市場依互動模式分類的組成是怎樣的？
  • 日本付款閘道市場按地區分類的市場組成是怎樣的？
  • 日本付款閘道市場價值鏈的不同階段有哪些？
  • 日本付款閘道市場的主要促進因素和挑戰是什麼？
  • 日本付款閘道市場的結構是怎麼樣的？主要參與者有哪些？
  • 日本付款閘道市場競爭有多激烈？

目錄

第1章：序言

第2章：調查範圍與調查方法

  • 調查目標
  • 相關利益者
  • 數據來源
  • 市場估值
  • 調查方法

第3章執行摘要

第4章 日本付款閘道市場：簡介

  • 概述
  • 市場動態
  • 產業趨勢
  • 競爭資訊

第5章：日本付款閘道市場：現狀

  • 過去和當前的市場趨勢（2020-2025）
  • 市場預測（2026-2034）

第6章：日本付款閘道市場：按應用細分

  • 主要企業
  • 微企業和小型企業
  • 中型公司

7. 日本付款閘道市場－以互動方式細分

  • 託管付款閘道
  • 專業/自架付款閘道
  • API/非託管付款閘道
  • 本地銀行綜合型
  • 直接付款閘道
  • 基於平台的付款閘道

第8章：日本付款閘道市場：依地區分類

  • 關東地區
  • 關西、近畿地區
  • 中部地區
  • 九州和沖繩地區
  • 東北部地區
  • 中國地區
  • 北海道地區
  • 四國地區

第9章：日本付款閘道市場：競爭格局

  • 概述
  • 市場結構
  • 市場公司定位
  • 關鍵成功策略
  • 競爭對手儀錶板
  • 企業估值象限

第10章主要企業概況

第11章：日本付款閘道市場：產業分析

  • 促進因素、限制因素和機遇
  • 波特五力分析
  • 價值鏈分析

第12章附錄

簡介目錄
Product Code: SR112026A32893

The Japan payment gateways market size reached USD 1,624.6 Million in 2025 . Looking forward, IMARC Group expects the market to reach USD 2,648.4 Million by 2034 , exhibiting a growth rate (CAGR) of 5.58% during 2026-2034 . Cashless adoption, contactless retail demand, government-backed digital incentives, loyalty and wallet integrations, fintech expansion, API-driven gateway innovation, open banking standards, APPI-compliant data handling, embedded finance solutions, and rising platform interoperability across Rakuten Pay, PayPay, and Line Pay are some of the factors positively impacting the market.

JAPAN PAYMENT GATEWAYS MARKET TRENDS:

Digital Retail Transformation and Shift Toward Cashless Transactions

Japan's retail landscape is undergoing a digital transition, driven by rising consumer preference for contactless and online payments across various sectors including convenience stores, department chains, and travel services. As this shift unfolds, payment gateways have become essential for ensuring seamless transaction flows between customers, merchants, and financial institutions. Retailers are increasingly integrating gateway solutions that support real-time settlement, compatibility with domestic e-wallets, and loyalty program integration. The competitive edge now lies in the ability to facilitate transactions across multiple platforms with minimal friction. This has redefined the Japan payment gateways market share, especially among providers who can effectively support interoperability with local platforms such as Rakuten Pay, PayPay, and Line Pay. The trend is further reinforced by government support for cashless payment infrastructure through programs like the Cashless Rebate Scheme and the Digital Garden City initiative. These efforts have accelerated merchant adoption of electronic payment systems, particularly in small to mid-sized enterprises that were previously cash-dependent. According to a survey conducted in Japan between February and March 2025, credit cards emerged as the most commonly used cashless payment method, with 73% of respondents indicating regular usage. In contrast, only 7.2% reported relying exclusively on cash for their daily transactions. Gateways that offer bundled services-such as inventory management, analytics, and CRM tools-are gaining preference in retail digital transformation strategies. As these systems are scaled, attention to cybersecurity, system uptime, and data localization requirements under Japan's Act on the Protection of Personal Information (APPI) remains a key priority for vendors.

Integration of Fintech Solutions and Open Banking Standards

Japan's payment ecosystem is increasingly shaped by the emergence of fintech platforms that offer faster, cheaper, and more customizable transaction services. Fintech firms are actively leveraging APIs to integrate payment gateways with services such as peer-to-peer lending, digital wallets, and subscription billing. This has led to increased adoption of gateway solutions that prioritize flexibility, automation, and developer-friendly interfaces. The demand for frictionless integration into enterprise systems-especially among SaaS platforms, online education providers, and mobile applications-has significantly contributed to Japan payment gateways market growth, as businesses aim to modernize customer experiences while reducing operational bottlenecks. Simultaneously, Japan's move toward open banking-underpinned by regulatory amendments to the Banking Act-has enhanced access to financial APIs, allowing licensed entities to collaborate with gateway providers in delivering personalized, real-time payment services. On March 5, 2024, Stripe launched "Tour Tokyo 2024," a strategic initiative to deepen its presence in Japan by supporting digital-first businesses and modernizing local payment infrastructure. The campaign highlights Stripe's partnerships with Japanese enterprises and its expanding suite of payment tools tailored for domestic and cross-border commerce. Institutions are prioritizing partnerships that enable data sharing and instant authorization while maintaining strict compliance with APPI and FSA (Financial Services Agency) requirements. This landscape favors gateways capable of supporting multi-channel orchestration, tokenization, and seamless reconciliation. The broader Japan payment gateways market outlook is shaped by this convergence of regulatory support, digital innovation, and rising demand for scalable infrastructure that accommodates embedded finance across diverse service sectors.

JAPAN PAYMENT GATEWAYS MARKET SEGMENTATION:

Application Insights:

  • Large Enterprises
  • Micro and Small Enterprises
  • Mid-Size Enterprises
  • Large Enterprises
  • Micro and Small Enterprises
  • Mid-Size Enterprises

Mode of Interaction Insights:

  • Hosted Payment Gateways
  • Pro/Self-Hosted Payment Gateways
  • API/Non-Hosted Payment Gateways
  • Local Bank Integrates
  • Direct Payment Gateways
  • Platform-Based Payment Gateways
  • Hosted Payment Gateways
  • Pro/Self-Hosted Payment Gateways
  • API/Non-Hosted Payment Gateways
  • Local Bank Integrates
  • Direct Payment Gateways
  • Platform-Based Payment Gateways

Regional Insights:

  • Kanto Region
  • Kansai/Kinki Region
  • Central/Chubu Region
  • Kyushu-Okinawa Region
  • Tohoku Region
  • Chugoku Region
  • Hokkaido Region
  • Shikoku Region
  • Kanto Region
  • Kansai/Kinki Region
  • Central/Chubu Region
  • Kyushu-Okinawa Region
  • Tohoku Region
  • Chugoku Region
  • Hokkaido Region
  • Shikoku Region
  • The report has also provided a comprehensive analysis of all the major regional markets, which include Kanto Region, Kansai/Kinki Region, Central/Chubu Region, Kyushu-Okinawa Region, Tohoku Region, Chugoku Region, Hokkaido Region, and Shikoku Region.

COMPETITIVE LANDSCAPE:

The market research report has also provided a comprehensive analysis of the competitive landscape. Competitive analysis such as market structure, key player positioning, top winning strategies, competitive dashboard, and company evaluation quadrant has been covered in the report. Also, detailed profiles of all major companies have been provided.

  • KEY QUESTIONS ANSWERED IN THIS REPORT
  • How has the Japan payment gateways market performed so far and how will it perform in the coming years?
  • What is the breakup of the Japan payment gateways market on the basis of application?
  • What is the breakup of the Japan payment gateways market on the basis of mode of interaction?
  • What is the breakup of the Japan payment gateways market on the basis of region?
  • What are the various stages in the value chain of the Japan payment gateways market?
  • What are the key driving factors and challenges in the Japan payment gateways?
  • What is the structure of the Japan payment gateways market and who are the key players?
  • What is the degree of competition in the Japan payment gateways market?

Table of Contents

1 Preface

2 Scope and Methodology

  • 2.1 Objectives of the Study
  • 2.2 Stakeholders
  • 2.3 Data Sources
    • 2.3.1 Primary Sources
    • 2.3.2 Secondary Sources
  • 2.4 Market Estimation
    • 2.4.1 Bottom-Up Approach
    • 2.4.2 Top-Down Approach
  • 2.5 Forecasting Methodology

3 Executive Summary

4 Japan Payment Gateways Market - Introduction

  • 4.1 Overview
  • 4.2 Market Dynamics
  • 4.3 Industry Trends
  • 4.4 Competitive Intelligence

5 Japan Payment Gateways Market Landscape

  • 5.1 Historical and Current Market Trends (2020-2025)
  • 5.2 Market Forecast (2026-2034)

6 Japan Payment Gateways Market - Breakup by Application

  • 6.1 Large Enterprises
    • 6.1.1 Overview
    • 6.1.2 Historical and Current Market Trends (2020-2025)
    • 6.1.3 Market Forecast (2026-2034)
  • 6.2 Micro and Small Enterprises
    • 6.2.1 Overview
    • 6.2.2 Historical and Current Market Trends (2020-2025)
    • 6.2.3 Market Forecast (2026-2034)
  • 6.3 Mid-Size Enterprises
    • 6.3.1 Overview
    • 6.3.2 Historical and Current Market Trends (2020-2025)
    • 6.3.3 Market Forecast (2026-2034)

7 Japan Payment Gateways Market - Breakup by Mode of Interaction

  • 7.1 Hosted Payment Gateways
    • 7.1.1 Overview
    • 7.1.2 Historical and Current Market Trends (2020-2025)
    • 7.1.3 Market Forecast (2026-2034)
  • 7.2 Pro/Self-Hosted Payment Gateways
    • 7.2.1 Overview
    • 7.2.2 Historical and Current Market Trends (2020-2025)
    • 7.2.3 Market Forecast (2026-2034)
  • 7.3 API/Non-Hosted Payment Gateways
    • 7.3.1 Overview
    • 7.3.2 Historical and Current Market Trends (2020-2025)
    • 7.3.3 Market Forecast (2026-2034)
  • 7.4 Local Bank Integrates
    • 7.4.1 Overview
    • 7.4.2 Historical and Current Market Trends (2020-2025)
    • 7.4.3 Market Forecast (2026-2034)
  • 7.5 Direct Payment Gateways
    • 7.5.1 Overview
    • 7.5.2 Historical and Current Market Trends (2020-2025)
    • 7.5.3 Market Forecast (2026-2034)
  • 7.6 Platform-Based Payment Gateways
    • 7.6.1 Overview
    • 7.6.2 Historical and Current Market Trends (2020-2025)
    • 7.6.3 Market Forecast (2026-2034)

8 Japan Payment Gateways Market - Breakup by Region

  • 8.1 Kanto Region
    • 8.1.1 Overview
    • 8.1.2 Historical and Current Market Trends (2020-2025)
    • 8.1.3 Market Breakup by Application
    • 8.1.4 Market Breakup by Mode of Interaction
    • 8.1.5 Key Players
    • 8.1.6 Market Forecast (2026-2034)
  • 8.2 Kansai/Kinki Region
    • 8.2.1 Overview
    • 8.2.2 Historical and Current Market Trends (2020-2025)
    • 8.2.3 Market Breakup by Application
    • 8.2.4 Market Breakup by Mode of Interaction
    • 8.2.5 Key Players
    • 8.2.6 Market Forecast (2026-2034)
  • 8.3 Central/ Chubu Region
    • 8.3.1 Overview
    • 8.3.2 Historical and Current Market Trends (2020-2025)
    • 8.3.3 Market Breakup by Application
    • 8.3.4 Market Breakup by Mode of Interaction
    • 8.3.5 Key Players
    • 8.3.6 Market Forecast (2026-2034)
  • 8.4 Kyushu-Okinawa Region
    • 8.4.1 Overview
    • 8.4.2 Historical and Current Market Trends (2020-2025)
    • 8.4.3 Market Breakup by Application
    • 8.4.4 Market Breakup by Mode of Interaction
    • 8.4.5 Key Players
    • 8.4.6 Market Forecast (2026-2034)
  • 8.5 Tohoku Region
    • 8.5.1 Overview
    • 8.5.2 Historical and Current Market Trends (2020-2025)
    • 8.5.3 Market Breakup by Application
    • 8.5.4 Market Breakup by Mode of Interaction
    • 8.5.5 Key Players
    • 8.5.6 Market Forecast (2026-2034)
  • 8.6 Chugoku Region
    • 8.6.1 Overview
    • 8.6.2 Historical and Current Market Trends (2020-2025)
    • 8.6.3 Market Breakup by Application
    • 8.6.4 Market Breakup by Mode of Interaction
    • 8.6.5 Key Players
    • 8.6.6 Market Forecast (2026-2034)
  • 8.7 Hokkaido Region
    • 8.7.1 Overview
    • 8.7.2 Historical and Current Market Trends (2020-2025)
    • 8.7.3 Market Breakup by Application
    • 8.7.4 Market Breakup by Mode of Interaction
    • 8.7.5 Key Players
    • 8.7.6 Market Forecast (2026-2034)
  • 8.8 Shikoku Region
    • 8.8.1 Overview
    • 8.8.2 Historical and Current Market Trends (2020-2025)
    • 8.8.3 Market Breakup by Application
    • 8.8.4 Market Breakup by Mode of Interaction
    • 8.8.5 Key Players
    • 8.8.6 Market Forecast (2026-2034)

9 Japan Payment Gateways Market - Competitive Landscape

  • 9.1 Overview
  • 9.2 Market Structure
  • 9.3 Market Player Positioning
  • 9.4 Top Winning Strategies
  • 9.5 Competitive Dashboard
  • 9.6 Company Evaluation Quadrant

10 Profiles of Key Players

  • 10.1 Company A
    • 10.1.1 Business Overview
    • 10.1.2 Services Offered
    • 10.1.3 Business Strategies
    • 10.1.4 SWOT Analysis
    • 10.1.5 Major News and Events
  • 10.2 Company B
    • 10.2.1 Business Overview
    • 10.2.2 Services Offered
    • 10.2.3 Business Strategies
    • 10.2.4 SWOT Analysis
    • 10.2.5 Major News and Events
  • 10.3 Company C
    • 10.3.1 Business Overview
    • 10.3.2 Services Offered
    • 10.3.3 Business Strategies
    • 10.3.4 SWOT Analysis
    • 10.3.5 Major News and Events
  • 10.4 Company D
    • 10.4.1 Business Overview
    • 10.4.2 Services Offered
    • 10.4.3 Business Strategies
    • 10.4.4 SWOT Analysis
    • 10.4.5 Major News and Events
  • 10.5 Company E
    • 10.5.1 Business Overview
    • 10.5.2 Services Offered
    • 10.5.3 Business Strategies
    • 10.5.4 SWOT Analysis
    • 10.5.5 Major News and Events

11 Japan Payment Gateways Market - Industry Analysis

  • 11.1 Drivers, Restraints, and Opportunities
    • 11.1.1 Overview
    • 11.1.2 Drivers
    • 11.1.3 Restraints
    • 11.1.4 Opportunities
  • 11.2 Porters Five Forces Analysis
    • 11.2.1 Overview
    • 11.2.2 Bargaining Power of Buyers
    • 11.2.3 Bargaining Power of Suppliers
    • 11.2.4 Degree of Competition
    • 11.2.5 Threat of New Entrants
    • 11.2.6 Threat of Substitutes
  • 11.3 Value Chain Analysis

12 Appendix