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市場調查報告書
商品編碼
1850369

付款閘道：市場佔有率分析、產業趨勢、統計數據和成長預測（2025-2030 年）

Payment Gateway - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)
出版日期: | 出版商: Mordor Intelligence | 英文 100 Pages | 商品交期: 2-3個工作天內

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簡介目錄

預計到 2025 年，付款閘道市場規模將達到 182.3 億美元，到 2030 年將達到 401.3 億美元，在預測期內將維持 15.20% 的強勁複合年成長率。

支付閘道器市場-IMG1

產業成長主要受數位商務快速擴張、即時支付日益普及以及安全法規日益嚴格的推動。統一支付介面 (UPI) 和其他即時支付管道的採用，促使支付閘道器升級以適應更快的身份驗證請求；同時，歐洲的 PSD2 強客戶認證 (SCA) 法規也加速了令牌化 3DS 支援的部署。重大收購案重塑了規模經濟格局，例如 Global Payments 收購 Worldpay 以及 FIS 收購 Global Payments 的發卡機構解決方案部門，這些收購案進一步增強了市場競爭的勢頭。儘管託管解決方案擁有最大的基本客群，但對資料主權的擔憂正在推動自託管架構的發展。此外，由於交換費用上漲和跨境扣回爭議帳款詐騙激增，付款閘道市場也面臨利潤率壓力，迫使服務供應商採用先進的反詐騙人工智慧技術。

全球付款閘道市場趨勢與洞察

即時支付管道的爆炸性成長加速了亞洲支付閘道器的普及。

印度的UPI和印尼的BI-FAST的交易成長速度超過了傳統的銀行卡支付方式。與傳統網路相比，處理成本降低50%至90%，促使商家紛紛轉向這些支付方式。能夠協調80多種即時支付系統認證流程的閘道器將獲得先發優勢，尤其是在預計到2027年即時交易量將達到5120億筆的情況下。亞洲行動優先的消費群將跳過傳統的銀行卡支付方式，從而加速對能夠將各種即時支付方案整合到單一商家系統中的、具有豐富API介面的閘道器的需求。

跨境電子商務的成長推動了對多幣種路由的需求

在國際電商平台上銷售產品的歐洲中小企業需要支援智慧貨幣路由、多種支付方式和本地收單服務的支付閘道器。預計到2023年，歐洲電子商務市場規模將達到8,870億歐元（9,600億美元），跨境交易推動了對動態貨幣轉換和即時外匯風險管理的需求。對於缺乏金融專業知識的中小企業而言，能夠提供透明支付並簡化監管流程的支付閘道器極具吸引力。投資本地許可和資料駐留是服務提供者脫穎而出的關鍵。

機構手續費上漲對微交易閘道器淨利率帶來壓力

卡組織設定的交換費機制可能會超過5美元以下交易的實際金額，尤其是在採用固定費率定價的情況​​下。 Visa和萬事達卡近期推出的「小型商家」計畫降低了部分費率，但並未解決數位內容和交通運輸等領域的結構性不匹配問題。國會聽證會再次引發了對刷卡手續費的審查，加劇了監管的不確定性，使支付閘道器的定價模式更加複雜。為了在提供商家替代支付選項的同時保障淨利率，支付服務商正在嘗試基於帳戶和電子錢包的微支付方式。

細分市場分析

到2024年，託管式支付閘道器將佔據付款閘道市場62%的佔有率。許多中小企業傾向於選擇將反詐騙工具和貨幣轉換功能整合到單一合約中的託管環境。然而，大型企業則擴大轉向自託管和混合部署，以自訂路由演算法、最大化授權率並滿足特定司法管轄區的資料在地化要求。隨著監管機構加強對跨境資料流的審查，付款閘道市場規模將繼續向靈活的部署選項傾斜。

自託管解決方案預計到 2030 年將以 15.8% 的複合年成長率成長，正吸引著需要直接控制令牌庫和詐欺風險模型的醫療保健和金融服務商戶。因此，閘道器供應商提供容器化的微服務，商家可以部署在自己的基礎架構上，同時也能連接到雲端基礎的對帳服務。這種模組化設計允許選擇性地駐留數據，同時確保符合嚴格的客戶身份驗證要求。此外，這種方法還支援與區域收購方的低延遲連接，從而提高本地市場的核准率。

大型企業預計在2024年貢獻全球68%的收入，它們正利用編配引擎將交易路由至數十家收購方機構，從而以基點為單位降低處理成本。這些公司正在其授權邏輯中引入A/B測試，整合即時機器學習訊號，並與冗餘閘道器提供者簽訂契約，以降低停機風險。隨著低成本雲端平台和手機支付解決方案降低普及門檻，中小企業付款閘道市場規模可望迎來結構性成長。

中小企業拓展跨境電商業務需要能夠自動進行外匯兌換並提供透明定價的支付閘道器。整合軟體供應商將支付功能嵌入會計和銷售點 (POS) 系統中，加速商家採用並提高客戶留存率。監管機構積極鼓勵中小企業數位化，進一步推動了數位化進程。因此，付款閘道市場將出現純粹的支付促進者與現有面向中小企業的支付處理商之間日益激烈的競爭。

線上付款閘道市場按類型（主機、自架/非託管式）、公司規模（中小企業、大型企業）、通路（線上/網頁、行動應用程式內、店內POS（全通路））、終端用戶產業（零售和電子商務、旅遊和飯店、銀行、金融服務和保險（BFSI）、其他）以及地區進行細分。市場預測以美元計價。

區域分析

到2024年，亞太地區將以38%的收入佔有率引領付款閘道市場，其中印度的UPI、印尼的BI-FAST以及中國無處不在的電子錢包生態系統每天處理數十億筆即時交易。新加坡的SGQR和東協區域支付互聯互通計劃等政府舉措正在促進互通性，並推動支持代幣的多幣種閘道器的發展，從而連接零售帳戶和電子錢包。資料本地化，特別是印度儲備銀行對本地儲存的要求，正促使閘道器供應商部署區域資料中心並與國內雲端服務供應商合作。

到2030年，中東地區將以18.1%的複合年成長率實現最快成長，這主要得益於沙烏地阿拉伯「2030願景」無現金目標和阿拉伯聯合大公國即時付款管道的推出等國家層面的舉措。沙烏地支付公司（Saudi Payments）的Sarie和巴林的BenefitPay等本土支付方案正積極推進與收購方的路由，並向以API為中心的支付閘道器品牌開放。同時，提供符合伊斯蘭教法的資金籌措選項和阿拉伯語支持的外國支付服務商正迅速搶佔市場佔有率。

隨著PSD2的實施和歐洲央行推動泛歐即時支付計劃，詐欺率趨於穩定，歐洲市場日益成熟，但也蘊藏著巨大的機會。中小企業跨境舉措的興起，推動了對整合iDEAL、Sofort和Bancontact等支付閘道器的需求。北美正透過引進FedNow和RTP實現支付現代化，而小額交易閘道器則因互換費政策而面臨成本回收方面的挑戰。在巴西Pix和LGPD資料框架的引領下，南美洲正以前所未有的速度從現金支付過渡到行動錢包。非洲分散的銀行基礎設施需要與行動支付方案相容的支付閘道器，因此，建立夥伴關係生態系統對於行動支付的普及至關重要。

其他福利：

  • Excel格式的市場預測（ME）表
  • 3個月的分析師支持

目錄

第1章 引言

  • 研究假設和市場定義
  • 調查範圍

第2章調查方法

第3章執行摘要

第4章 市場情勢

  • 市場概覽
  • 市場促進因素
    • 即時支付管道的普及加速了亞洲支付閘道器的採用
    • 跨境電子商務的成長推動了對多幣種路由的需求，尤其是在歐洲的中小型企業。
    • 監管義務（例如 PSD2-SCA）要求升級到支援令牌化的 3DS 閘道。
    • 先買後付結帳選項的激增導致每次交易的 API 呼叫次數增加。
    • 超市連鎖店非接觸式錢包的蓬勃發展推動了全通路支付閘道器的普及
  • 市場限制
    • 不斷上漲的支付系統費用正在擠壓微交易閘道器的利潤空間。
    • 跨境扣回爭議帳款詐騙日益普遍，侵蝕商家的信任。
    • 資料在地化法律（印度、巴西、俄羅斯）使令牌保險箱架構變得複雜。
  • 價值鏈分析
  • 監理展望
  • 對宏觀經濟趨勢的市場評估
  • 波特五力分析
    • 新進入者的威脅
    • 買方的議價能力
    • 供應商的議價能力
    • 替代品的威脅
    • 競爭對手之間的競爭

第5章 市場規模與成長預測

  • 按類型
    • 託管
    • 自託管/非託管
  • 按公司規模
    • 小型企業
    • 主要企業
  • 按頻道
    • 線上/網路
    • 行動應用內
    • 店內POS（全通路）
  • 按最終用戶行業分類
    • 零售與電子商務
    • 旅遊與飯店
    • 銀行、金融服務和保險（BFSI）
    • 媒體與娛樂
    • 其他終端用戶產業
  • 按地區
    • 北美洲
      • 美國
      • 加拿大
      • 墨西哥
    • 歐洲
      • 德國
      • 英國
      • 法國
      • 北歐國家
      • 其他歐洲地區
    • 亞洲
      • 中國
      • 印度
      • 日本
      • 韓國
      • 東南亞
      • 其他亞洲地區
    • 南美洲
      • 巴西
      • 阿根廷
      • 其他南美洲
    • 中東和非洲
      • 中東
      • GCC
      • 土耳其
      • 其他中東地區
      • 非洲
      • 南非
      • 奈及利亞
      • 其他非洲地區

第6章 競爭情勢

  • 市場集中度
  • 策略趨勢
  • 市佔率分析
  • 公司簡介
    • PayPal Holdings Inc.
    • Stripe Inc.
    • PayU Group
    • Amazon Pay（Amazon.com Inc.）
    • Skrill Ltd（Paysafe）
    • Square Inc.（Block）
    • Adyen NV
    • Alipay（Ant Group）
    • WePay（JP Morgan Chase）
    • Authorize.Net（Visa）
    • Checkout.com
    • Razorpay
    • Paytm Payments Gateway
    • Mollie
    • Ingenico（Worldline SA）
    • Payoneer Inc.
    • Worldpay（FIS）
    • Klarna Bank AB
    • Verifone Systems Inc.
    • BlueSnap Inc.

第7章 市場機會與未來展望

簡介目錄
Product Code: 63865

The payment gateway market size is estimated at USD 18.23 billion in 2025 and is projected to climb to USD 40.13 billion by 2030, reflecting a solid 15.20% CAGR over the forecast period.

Payment Gateway - Market - IMG1

The industry's growth is underpinned by rapid digital-commerce expansion, rising real-time payment adoption, and intensifying regulatory focus on security. Adoption of Unified Payments Interface (UPI) and other instant-payment rails is triggering gateway upgrades that handle high-velocity authentication requests, while Europe's PSD2 Strong Customer Authentication (SCA) rules are accelerating tokenized, 3-DS-ready deployments. Competitive momentum is reinforced by megadeals such as Global Payments' agreement to acquire Worldpay and FIS's purchase of Global Payments' Issuer Solutions arm, which are reshaping scale economics. Hosted solutions retain the largest customer base, yet self-hosted architectures are advancing on data-sovereignty concerns. The payment gateway market also faces margin pressure from interchange-fee escalation and a proliferation of cross-border chargeback fraud, compelling providers to embed advanced fraud-mitigation AI.

Global Payment Gateway Market Trends and Insights

Explosion of Real-Time Payment Rails Accelerating Gateway Adoption in Asia

Real-time payment infrastructure is reshaping gateway demand, with India's UPI and Indonesia's BI-FAST exhibiting transaction growth that outpaces card schemes. Processing cost reductions of 50-90% versus legacy networks incentivize merchants to migrate. Gateways able to orchestrate authentication flows across more than 80 instant-payment systems gain a first-mover advantage, especially as volume is projected to reach 512 billion real-time transactions by 2027. Asia's mobile-first consumer base leapfrogs card rails, accelerating demand for API-rich gateways that can consolidate diverse real-time schemes into single merchant integrations.

Cross-Border E-Commerce Growth Driving Demand for Multi-Currency Routing

European SMEs selling on global marketplaces need gateways that support intelligent currency routing, alternative payment methods, and local acquiring to reduce decline rates. With European e-commerce valued at EUR 887 billion (USD 960 billion) in 2023, cross-border flows elevate demand for dynamic currency conversion and real-time FX risk management. Gateways that mask regulatory complexity while offering transparent settlement attract SMEs that lack treasury expertise. Investments in local licence acquisition and data residency help providers differentiate.

Rising Scheme Fees Squeezing Gateway Margins for Micro-Transactions

Interchange structures set by card networks can exceed the transaction value for sub-USD 5 purchases, particularly when flat-rate components apply. Recent "small merchant" programs by Visa and Mastercard lowered certain rates but have not solved the structural mismatch for sectors like digital content or transit. Congressional hearings have reignited scrutiny of swipe fees, adding regulatory uncertainty that complicates gateway pricing models. Providers are piloting account-to-account schemes and wallet-based micro-payment rails to defend margins while offering merchants alternative acceptance options.

Other drivers and restraints analyzed in the detailed report include:

  1. Regulatory Mandates Forcing Tokenised, 3-DS-Ready Gateways
  2. Surge in BNPL Checkout Options Expanding API Calls per Transaction
  3. Persistent Cross-Border Chargeback Fraud Undermining Merchant Trust

For complete list of drivers and restraints, kindly check the Table Of Contents.

Segment Analysis

Hosted gateways account for 62% of payment gateway market share in 2024 as merchants value outsourced PCI compliance and turnkey onboarding. Many SMEs prefer managed environments that bundle fraud tools and currency conversion under a single contract. Large enterprises, however, increasingly deploy self-hosted or hybrid models to customize routing algorithms, maximize authorization ratios, and meet jurisdiction-specific data-localization mandates. The payment gateway market size will continue tilting toward flexible deployment options as regulators intensify scrutiny of cross-border data flows.

Self-hosted solutions, projected to expand at 15.8% CAGR to 2030, attract merchants in healthcare and financial services that require direct control over token vaults and fraud-risk models. Gateway vendors are therefore offering containerized micro-services that merchants can deploy on owned infrastructure while still connecting to cloud-based reconciliation services. This modularity ensures adherence to Strong Customer Authentication mandates while allowing selective data residency. The approach also supports lower-latency connections to regional acquirers, improving approval rates in local markets.

Large organizations contributed 68% of global revenue in 2024, leveraging orchestration engines that route transactions across dozens of acquirers to shave basis-points off processing costs. These enterprises deploy A/B testing on authorization logic, integrate real-time machine-learning signals, and contract with redundant gateway providers to mitigate downtime risk. The payment gateway market size for SMEs is poised for a structural lift as low-cost cloud platforms and Tap to Phone solutions reduce adoption barriers.

SMEs expanding into cross-border e-commerce require gateways that automate FX conversion and offer straightforward pricing. Integrated Software Vendors embed payment acceptance within accounting and point-of-sale suites, accelerating merchant onboarding and improving stickiness. Progressive regulators encourage SME digitalization, further propelling adoption. Consequently, the payment gateway market will witness intensifying competition between pure-play payment facilitators and established processors courting the SME base.

Online Payment Gateway Market is Segmented by Type (Hosted, Self-/Non-Hosted), Enterprise Size (Small and Medium Enterprises (SME), Large Enterprises), Channel (Online / Web, Mobile In-App, In-Store POS (Omnichannel)), End-User Industry (Retail and E-Commerce, Travel and Hospitality, Banking, Financial Services and Insurance (BFSI), and More), and Geography. The Market Forecasts are Provided in Terms of Value (USD).

Geography Analysis

Asia-Pacific leads the payment gateway market with a 38% revenue share in 2024, anchored by India's UPI, Indonesia's BI-FAST, and China's ubiquitous wallet ecosystems that together process billions of instant transactions daily. Government initiatives such as Singapore's SGQR and the ASEAN Regional Payment Connectivity project promote interoperability, fostering multi-currency gateways capable of tokens bridging retail accounts and wallets. Data-localization edicts, particularly the Reserve Bank of India's on-soil storage requirement, compel gateway vendors to deploy regional data centers or partner with domestic cloud providers.

The Middle East registers the fastest CAGR at 18.1% through 2030, propelled by national-level strategies such as Saudi Arabia's Vision 2030 cashless targets and the UAE's instant-payments platform launch. Domestic schemes like Saudi Payments' sarie and Bahrain's BenefitPay push acquirer-agnostic routing, creating openings for API-centric gateway brands. Foreign providers that combine Sharia-compliant financing options and Arabic-language support expand share swiftly.

Europe remains a sophisticated yet opportunity-rich market as PSD2 enforcement stabilizes fraud ratios and the European Central Bank drives pan-European instant-payment initiatives. Cross-border e-commerce volume from SMEs heightens demand for gateways integrating iDEAL, Sofort, and Bancontact. North America's uptake of FedNow and RTP modernizes settlement, while interchange politics create cost-recovery challenges for micro-transaction gateways. South America, spearheaded by Brazil's Pix and LGPD data framework, is transitioning from cash to mobile wallets at record speed. Africa's fragmented banking infrastructure demands gateways compatible with mobile-money schemes, making partnership ecosystems pivotal for penetration.

  1. PayPal Holdings Inc.
  2. Stripe Inc.
  3. PayU Group
  4. Amazon Pay (Amazon.com Inc.)
  5. Skrill Ltd (Paysafe)
  6. Square Inc. (Block)
  7. Adyen N.V.
  8. Alipay (Ant Group)
  9. WePay (J.P. Morgan Chase)
  10. Authorize.Net (Visa)
  11. Checkout.com
  12. Razorpay
  13. Paytm Payments Gateway
  14. Mollie
  15. Ingenico (Worldline SA)
  16. Payoneer Inc.
  17. Worldpay (FIS)
  18. Klarna Bank AB
  19. Verifone Systems Inc.
  20. BlueSnap Inc.

Additional Benefits:

  • The market estimate (ME) sheet in Excel format
  • 3 months of analyst support

TABLE OF CONTENTS

1 INTRODUCTION

  • 1.1 Study Assumptions and Market Definition
  • 1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET LANDSCAPE

  • 4.1 Market Overview
  • 4.2 Market Drivers
    • 4.2.1 Explosion of real-time payment rails accelerating gateway adoption in Asia
    • 4.2.2 Cross-border e-commerce growth driving demand for multi-currency routing, especially among European SMEs
    • 4.2.3 Regulatory mandates (e.g., PSD2-SCA) forcing upgrades to tokenised 3-DS-ready gateways
    • 4.2.4 Surge in BNPL checkout options expanding API calls per transaction
    • 4.2.5 Contactless-wallet boom in grocery chains spurring omnichannel gateway deployment
  • 4.3 Market Restraints
    • 4.3.1 Rising scheme fees squeezing gateway margins for micro-transactions
    • 4.3.2 Persistent cross-border chargeback fraud undermining merchant trust
    • 4.3.3 Data-localisation laws (India, Brazil, Russia) complicating token-vault architectures
  • 4.4 Value Chain Analysis
  • 4.5 Regulatory Outlook
  • 4.6 Assessment of Macro Economic Trends on the Market
  • 4.7 Porter's Five Forces Analysis
    • 4.7.1 Threat of New Entrants
    • 4.7.2 Bargaining Power of Buyers
    • 4.7.3 Bargaining Power of Suppliers
    • 4.7.4 Threat of Substitutes
    • 4.7.5 Competitive Rivalry

5 MARKET SIZE AND GROWTH FORECASTS (VALUES)

  • 5.1 By Type
    • 5.1.1 Hosted
    • 5.1.2 Self-/Non-Hosted
  • 5.2 By Enterprise Size
    • 5.2.1 Small and Medium Enterprises (SME)
    • 5.2.2 Large Enterprises
  • 5.3 By Channel
    • 5.3.1 Online / Web
    • 5.3.2 Mobile In-App
    • 5.3.3 In-store POS (Omnichannel)
  • 5.4 By End-User Industry
    • 5.4.1 Retail and E-commerce
    • 5.4.2 Travel and Hospitality
    • 5.4.3 Banking, Financial Services and Insurance (BFSI)
    • 5.4.4 Media and Entertainment
    • 5.4.5 Other End-user Industries
  • 5.5 By Geography
    • 5.5.1 North America
      • 5.5.1.1 United States
      • 5.5.1.2 Canada
      • 5.5.1.3 Mexico
    • 5.5.2 Europe
      • 5.5.2.1 Germany
      • 5.5.2.2 United Kingdom
      • 5.5.2.3 France
      • 5.5.2.4 Nordics
      • 5.5.2.5 Rest of Europe
    • 5.5.3 Asia
      • 5.5.3.1 China
      • 5.5.3.2 India
      • 5.5.3.3 Japan
      • 5.5.3.4 South Korea
      • 5.5.3.5 South-East Asia
      • 5.5.3.6 Rest of Asia
    • 5.5.4 South America
      • 5.5.4.1 Brazil
      • 5.5.4.2 Argentina
      • 5.5.4.3 Rest of South America
    • 5.5.5 Middle East and Africa
      • 5.5.5.1 Middle East
      • 5.5.5.1.1 GCC
      • 5.5.5.1.2 Turkey
      • 5.5.5.1.3 Rest of Middle East
      • 5.5.5.2 Africa
      • 5.5.5.2.1 South Africa
      • 5.5.5.2.2 Nigeria
      • 5.5.5.2.3 Rest of Africa

6 COMPETITIVE LANDSCAPE

  • 6.1 Market Concentration
  • 6.2 Strategic Moves
  • 6.3 Market Share Analysis
  • 6.4 Company Profiles (includes Global level Overview, Market level overview, Core Segments, Financials as available, Strategic Information, Market Rank/Share for key companies, Products and Services, and Recent Developments)
    • 6.4.1 PayPal Holdings Inc.
    • 6.4.2 Stripe Inc.
    • 6.4.3 PayU Group
    • 6.4.4 Amazon Pay (Amazon.com Inc.)
    • 6.4.5 Skrill Ltd (Paysafe)
    • 6.4.6 Square Inc. (Block)
    • 6.4.7 Adyen N.V.
    • 6.4.8 Alipay (Ant Group)
    • 6.4.9 WePay (J.P. Morgan Chase)
    • 6.4.10 Authorize.Net (Visa)
    • 6.4.11 Checkout.com
    • 6.4.12 Razorpay
    • 6.4.13 Paytm Payments Gateway
    • 6.4.14 Mollie
    • 6.4.15 Ingenico (Worldline SA)
    • 6.4.16 Payoneer Inc.
    • 6.4.17 Worldpay (FIS)
    • 6.4.18 Klarna Bank AB
    • 6.4.19 Verifone Systems Inc.
    • 6.4.20 BlueSnap Inc.

7 MARKET OPPORTUNITIES AND FUTURE OUTLOOK

  • 7.1 White-space and Unmet-Need Assessment