查看購物車
  • English
  • Japanese
  • Korean
封面
市場調查報告書
商品編碼
2100705

英國即時支付：市場佔有率分析、行業趨勢和統計數據以及成長預測（2026-2031 年）

United Kingdom Real Time Payments - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2026 - 2031)
出版日期: | 出版商: Mordor Intelligence | 英文 100 Pages | 商品交期: 2-3個工作天內

價格

※ 本網頁內容可能與最新版本有所差異。詳細情況請與我們聯繫。

簡介目錄

據 Mordor Intelligence 稱，英國即時支付市場預計到 2026 年價值 37.8 億美元，高於 2025 年的 27.9 億美元，預計到 2031 年將達到 173.7 億美元。

預計 2026 年至 2031 年的複合年成長率將達到 35.62%。

英國即時支付市場-IMG1

本報告按交易類型（點對點 (P2P)、點對點 (P2B)）、組件（平台/解決方案、服務）、部署模式（雲端、本地部署）、公司規模（大型企業、中小企業）和最終用戶行業（零售/電子商務、銀行、金融服務和保險 (BFSI)、公共產業/電信、醫療保健、其他）進行細分。市場預測以美元 (USD) 計價。

英國即時支付市場的趨勢和洞察

高速支付基礎設施的成熟正在加速市場成長。

交易結算只需幾秒，而非幾天。預計到2024年，交易量將達50億筆，年增率達15%。同年，運轉率達到99.9%，推動了「請求付款」和「收款人確認」等創新功能的推出。 2024年，單筆支付限額提高至100萬英鎊（127萬美元），進一步拓展了企業對企業（B2B）的應用場景。隨著新用戶的加入，網路效應不斷增強，整體便利性也隨之提升，加速了系統的普及。

行動網際網路的日益普及正在改變人們的支付行為。

英國87%的成年人使用網路銀行。銀行卡交易中數位錢包的使用比例從2019年的8%上升到2023年的29%。銀行正在改進其行動應用程式以整合快速支付服務（FPS），隨著非接觸式支付限額的提高，人們對即時支付的期望也越來越高。隨著商家根據消費者需求調整支付方式，這種發展動能正在推動協同成長。

已通過核准推送支付詐騙激增，正在削弱消費者信心。

2023年，共發生232,429已通過核准轉帳詐騙，造成總計4.597億英鎊（5.84億美元）的損失。強制退款規定將於2024年10月生效，規定退款金額上限為8.5萬英鎊（10.8萬美元）。雖然這些規定保護了受害者，但合規成本的增加可能會抑制服務提供者的創新。

細分市場分析

到2025年，P2P支付將佔英國即時支付市場60.35%的佔有率。這一領域受益於行動優先生活方式的轉變、整合到聊天中的轉帳功能以及免手續費支付。銀行透過將社交功能與銀行級安全保障相結合，並將用戶互動轉化為跨多個產品的交叉銷售機會，從而培養客戶忠誠度。 Z世代用戶數量的成長和數位錢包滲透率的提高正在增強網路效應，並鞏固P2P支付的主導地位。

預計從2026年到2031年，P2B（個人對企業）支付將以37.15%的複合年成長率成長，超過所有其他細分市場。 Visa A2A（自動扣款）和不斷擴展的VRP（供應商收入組合）透過降低受理成本，為商家創造了新的價值，使其收入高於傳統卡片付款。整合A2A功能的電商平台可望提高轉換率、減少扣回爭議帳款，並實現隔日到帳。隨著帳單業者從直接扣款轉向VRP，支付失敗率將降低，有助於最佳化營運資金。

至2025年，平台和解決方案產品將佔據英國即時支付市場70.25%的佔有率。銀行正在大力投資支付處理引擎、詐欺分析和開放API層，以實現即時編配。符合ISO 20022標準需要更豐富的結構化數據，加速了訊息中心和資料倉儲的升級。

預計到2031年，服務市場將以36.05%的複合年成長率成長，反映出市場對實施、遷移和營運管理方面專業知識的需求日益成長。金融機構正在將營運外包，以降低轉型專案的風險並加快價值實現速度。服務供應商正透過參考架構、沙箱測試和上運作後最佳化支援來凸顯自身優勢。

其他好處：

  • 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 市場狀況

  • 市場概覽
  • 市場促進因素
    • 高速支付基礎建設的成熟度
    • 行動網際網路普及率不斷上升
    • 現金和支票使用量的下降正在推動市場發展。
    • 開放銀行中可變時間支付（VRP）的引入
    • Z世代對銀行品牌社群支付應用的接受度
  • 市場限制因素
    • 已通過核准推送支付詐騙激增
    • 二線銀行遺留核心系統現代化進程落後
    • 間接聯邦公共部門參與者向 ISO 20022 過渡的延遲
  • 價值鏈分析
  • 監理情勢
  • 技術展望
  • 波特五力分析
  • 市場宏觀經濟趨勢的評估

第5章 市場規模與成長預測

  • 按交易類型
    • 點對點（P2P）
    • Peer-to-Business（P2B）
  • 按組件
    • 平台/解決方案
    • 服務
  • 部署模式
    • 雲
    • 現場
  • 按公司規模
    • 大公司
    • 小型企業
  • 按最終用戶行業分類
    • 零售與電子商務
    • BFSI
    • 公共產業及通訊
    • 衛生保健
    • 政府/公共部門
    • 其他終端用戶產業

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
    • ACI Worldwide Inc.
    • Fiserv Inc.
    • PayPal Holdings Inc.
    • Mastercard Inc.（Vocalink）
    • Google LLC（Google Pay）
    • Visa Inc.
    • Apple Inc.（Apple Pay）
    • Samsung Electronics Co. Ltd（Samsung Pay）
    • Diners Club International
    • Finastra Ltd.
    • Pay.UK
    • Wise plc
    • Revolut Ltd.
    • Monzo Bank Ltd.
    • Starling Bank Ltd.
    • Modulr Finance Ltd.
    • Checkout.com
    • Stripe Inc.
    • Adyen NV
    • Square UK（Block Inc.）
    • Barclays plc
    • HSBC UK Bank plc
    • Lloyds Banking Group plc
    • Worldpay（FIS）

第7章 市場機會與未來展望

簡介目錄
Product Code: 91052

According to Mordor Intelligence, the United Kingdom real time payments market size in 2026 is estimated at USD 3.78 billion, growing from 2025 value of USD 2.79 billion with 2031 projections showing USD 17.37 billion, growing at 35.62% CAGR over 2026-2031.

United Kingdom Real Time Payments - Market - IMG1

This report is Segmented by Transaction Type (Peer-To-Peer (P2P), Peer-To-Business (P2B)), Component (Platform / Solution, Services), Deployment Mode (Cloud, On-Premise), Enterprise Size (Large Enterprises, Small and Medium Enterprises), End-User Industry (Retail and E-Commerce, BFSI, Utilities and Telecom, Healthcare, and More). The Market Forecasts are Provided in Terms of Value (USD).

United Kingdom Real Time Payments Market Trends and Insights

Faster-Payments Infrastructure Maturity Accelerates Market Growth

Transactions settle within seconds instead of days, with 5 billion processed in 2024, a 15% annual rise. Reliability reached 99.9% uptime that year, encouraging overlay innovations such as Request to Pay and Confirmation of Payee. Raising the single-payment ceiling to GBP 1 million (USD 1.27 million) in 2024 expanded business-to-business use cases. Network effects amplify adoption as every new participant increases overall utility.

Rising Mobile-Internet Penetration Creates Payment Behaviour Shift

Eighty-seven percent of UK adults bank online. Digital-wallet share of card transactions rose from 8% in 2019 to 29% in 2023. Banks are enhancing mobile apps to integrate FPS, while higher contactless limits raise expectations for instant settlement. As merchants align checkout options with consumer demands, momentum feeds compound growth.

Escalating Authorised Push-Payment Fraud Undermines Consumer Confidence

APP fraud losses hit GBP 459.7 million (USD 584 million) across 232,429 cases in 2023. Mandatory reimbursement, effective October 2024, caps refunds at GBP 85,000 (USD 108,000). While the rule protects victims, compliance costs may slow provider innovation.

Other drivers and restraints analyzed in the detailed report include:

  1. Decline of Cash and Cheques Creates Digital Payment Opportunity
  2. Open-Banking Variable-Recurring-Payments Revolutionise Subscription Economy
  3. Legacy-Core Modernisation Delays Create Competitive Disadvantage

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

Segment Analysis

P2P accounted for 60.35% of the United Kingdom real time payments market in 2025. The segment benefits from mobile-first lifestyle shifts, chat-embedded transfers, and zero-cost settlement. Banking brands cultivate loyalty by pairing social features with bank-grade security, translating engagement into multi-product cross-sell opportunities. Gen-Z adoption and rising digital-wallet penetration reinforce network effects that keep P2P in a leadership position.

P2B is forecast to compound at 37.15% between 2026 and 2031, outpacing every other segment. Visa A2A and expanding VRPs lower acceptance costs compared with cards, creating fresh value for merchants. E-commerce platforms integrating account-to-account checkout anticipate higher conversion rates, fewer chargebacks, and next-day cash availability. As billers migrate from direct debit to VRP, payment failures fall, supporting working-capital optimisation.

Platform and solution offerings held 70.25% share of the United Kingdom real time payments market size in 2025. Banks invest heavily in clearing engines, fraud analytics, and open-API layers that permit real-time orchestration. ISO 20022 compliance demands richer structured data, incentivising upgrades of message hubs and data warehouses.

Services are predicted to grow 36.05% CAGR to 2031, reflecting rising demand for implementation, migration, and managed-operations expertise. Institutions outsourcing transformation de-risk projects and accelerate time-to-value. Providers differentiate on reference architectures, sandbox testing, and post-go-live optimisation support.

Complete Report Scope:

  • By Transaction Type
    • Peer-to-Peer (P2P)
    • Peer-to-Business (P2B)
  • By Component
    • Platform / Solution
    • Services
  • By Deployment Mode
    • Cloud
    • On-Premise
  • By Enterprise Size
    • Large Enterprises
    • Small and Medium Enterprises
  • By End-User Industry
    • Retail and E-Commerce
    • BFSI
    • Utilities and Telecom
    • Healthcare
    • Government and Public Sector
    • Other End-user Industries

List of Companies Covered in this Report:

  1. ACI Worldwide Inc.
  2. Fiserv Inc.
  3. PayPal Holdings Inc.
  4. Mastercard Inc. (Vocalink)
  5. Google LLC (Google Pay)
  6. Visa Inc.
  7. Apple Inc. (Apple Pay)
  8. Samsung Electronics Co. Ltd (Samsung Pay)
  9. Diners Club International
  10. Finastra Ltd.
  11. Pay.UK
  12. Wise plc
  13. Revolut Ltd.
  14. Monzo Bank Ltd.
  15. Starling Bank Ltd.
  16. Modulr Finance Ltd.
  17. Checkout.com
  18. Stripe Inc.
  19. Adyen N.V.
  20. Square UK (Block Inc.)
  21. Barclays plc
  22. HSBC UK Bank plc
  23. Lloyds Banking Group plc
  24. Worldpay (FIS)

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 Faster-Payments infrastructure maturity
    • 4.2.2 Rising mobile-internet penetration
    • 4.2.3 Decline of cash and cheques drives the market
    • 4.2.4 Open-Banking variable-recurring-payments (VRP) rollout
    • 4.2.5 Gen-Z uptake of bank-branded social-payment apps
  • 4.3 Market Restraints
    • 4.3.1 Escalating authorised push-payment fraud
    • 4.3.2 Legacy-core modernisation delays at Tier-2 banks
    • 4.3.3 Slow ISO 20022 migration among indirect FPS participants
  • 4.4 Value Chain Analysis
  • 4.5 Regulatory Landscape
  • 4.6 Technological Outlook
  • 4.7 Porter's Five Forces Analysis
    • 4.7.1 Bargaining Power of Suppliers
    • 4.7.2 Bargaining Power of Buyers
    • 4.7.3 Threat of New Entrants
    • 4.7.4 Threat of Substitutes
    • 4.7.5 Competitive Rivalry
  • 4.8 Assessment of Macro Economic Trends on the Market

5 MARKET SIZE AND GROWTH FORECASTS (VALUES)

  • 5.1 By Transaction Type
    • 5.1.1 Peer-to-Peer (P2P)
    • 5.1.2 Peer-to-Business (P2B)
  • 5.2 By Component
    • 5.2.1 Platform / Solution
    • 5.2.2 Services
  • 5.3 By Deployment Mode
    • 5.3.1 Cloud
    • 5.3.2 On-Premise
  • 5.4 By Enterprise Size
    • 5.4.1 Large Enterprises
    • 5.4.2 Small and Medium Enterprises
  • 5.5 By End-User Industry
    • 5.5.1 Retail and E-Commerce
    • 5.5.2 BFSI
    • 5.5.3 Utilities and Telecom
    • 5.5.4 Healthcare
    • 5.5.5 Government and Public Sector
    • 5.5.6 Other End-user Industries

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 ACI Worldwide Inc.
    • 6.4.2 Fiserv Inc.
    • 6.4.3 PayPal Holdings Inc.
    • 6.4.4 Mastercard Inc. (Vocalink)
    • 6.4.5 Google LLC (Google Pay)
    • 6.4.6 Visa Inc.
    • 6.4.7 Apple Inc. (Apple Pay)
    • 6.4.8 Samsung Electronics Co. Ltd (Samsung Pay)
    • 6.4.9 Diners Club International
    • 6.4.10 Finastra Ltd.
    • 6.4.11 Pay.UK
    • 6.4.12 Wise plc
    • 6.4.13 Revolut Ltd.
    • 6.4.14 Monzo Bank Ltd.
    • 6.4.15 Starling Bank Ltd.
    • 6.4.16 Modulr Finance Ltd.
    • 6.4.17 Checkout.com
    • 6.4.18 Stripe Inc.
    • 6.4.19 Adyen N.V.
    • 6.4.20 Square UK (Block Inc.)
    • 6.4.21 Barclays plc
    • 6.4.22 HSBC UK Bank plc
    • 6.4.23 Lloyds Banking Group plc
    • 6.4.24 Worldpay (FIS)

7 MARKET OPPORTUNITIES AND FUTURE OUTLOOK

  • 7.1 White-space and Unmet-Need Assessment