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市場調查報告書
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2114279

支付安全：市場佔有率分析、產業趨勢與統計、成長預測（2026-2031）

Payment Security - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2026 - 2031)
出版日期: | 出版商: Mordor Intelligence | 英文 120 Pages | 商品交期: 2-3個工作天內

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簡介目錄

據 Mordor Intelligence 稱，2025 年支付安全市場價值為 337.2 億美元，預計到 2031 年將達到 861.8 億美元，而 2026 年為 394.4 億美元，預測期（2026-2031 年）的複合年成長率為 16.95%。

支付安全市場-IMG1

本報告按解決方案類型（加密、代幣化等）、平台（行動端、網頁端、店內/POS）、組織規模（中小企業、大型企業）、最終用戶產業（零售/電子商務、銀行、金融服務和保險等）以及地區進行細分。市場預測以美元計價。

全球支付安全市場趨勢與洞察

監管機構正在推動PCI DSS 4.0合規性。

自2025年3月起，PCI DSS 4.0合規性將成為強制性要求，北美各地正在重新審視其安全預算。一級合規要求企業每年投入高達25萬美元，這反映了該標準新增的64項要求，涵蓋持續日誌分析和付款頁面腳本的完整性。違規者每月最高可被處以50萬美元的罰款，因此各方都高度重視採取緊急糾正措施，令牌化和自動化加密服務的快速普及也在加速推進。歐洲的收購方已將PSD3要求與PCI控制措施相銜接，預計這種連鎖反應將使投資動能持續到2027年。

人工智慧在詐欺分析領域的應用激增

金融機構正日益從基於規則的引擎轉向自適應機器學習模型，這些模型能夠即時偵測超過100個情境訊號。 Visa報告稱，2024年，人工智慧應用將攔截400億美元的非法貿易，將誤報率降低85%，並提高交易批准率。雲端處理器將這些模型以微服務的形式整合，使商家能夠微調風險閾值，而無需進行冗長的整合工作。新興市場正受益於雲端運算帶來的規模經濟效益，無需傳統的本地基礎設施，這一趨勢正在推動下一代詐欺分析技術的全球統一部署。

中小企業初始整合成本高昂

小規模企業的年度安全成本通常在 5,000 美元到 50,000 美元之間，這對於 IT 預算有限的新興經濟體而言，無疑是一筆不小的現金流負擔。複雜的範圍界定流程迫使許多中小企業選擇捆綁式雲端訂閱服務，但對資料居住和供應商鎖定的擔憂阻礙了此類服務的普及。因此，低成本的插件式解決方案在交易量較小的網店中較為普遍，導致企業在進行複雜的風險分析方面存在不足。能夠根據交易量閾值分階段提供服務的安全供應商，預計將憑藉其成本優勢，贏得中小企業的潛在需求。

細分市場分析

預計到2025年，代幣化將佔據支付安全市場30.45%的佔有率，凸顯其在消除商家系統中的主帳號並縮小審計範圍方面發揮的重要作用。 Visa在2024年處理了100億筆代幣化交易，較去年同期成長45%，展現了其在實體店和電商環境中的擴充性。傳輸中資料的加密仍然至關重要，尤其是在銀行和醫療保健行業，因為這些行業的資料外洩揭露法規會處以嚴厲的處罰。整合機器學習管道的詐欺偵測平台預計將以20.4%的複合年成長率成長，這反映出市場對能夠從不斷演變的攻擊向量中自主學習的自適應控制的需求。其他新興解決方案，例如抗量子密碼學和分散式帳本檢驗，目前仍處於小眾應用場景，但隨著標準化進程的推進，它們具有巨大的長期成長潛力。能夠將代幣服務與人工智慧驅動的分析相結合的供應商正在提供整合解決方案，這些解決方案既能最大限度地降低人工審核成本，又能減少誤報。此功能支援提升銷售週期，並為整合平台對支付安全市場整體收入做出重大貢獻奠定了基礎。

按解決方案類型分類的成長預計將影響支付安全市場的規模預測，尤其是在支出從基礎合規工具轉向智慧編配引擎方面。提供廣泛功能而非特定特性的供應商往往更容易贏得長期契約，特別是那些偏好整合式審計報告儀表板的公司。隨著收購方環境中令牌庫密度的增加，供應鏈中的晶片短缺可能會影響硬體 HSM 的升級計劃，進而加速虛擬化金鑰管理模組的需求。

到2025年，基於Web的支付方式將佔據支付安全市場46.20%的佔有率，這主要得益於用戶已養成的桌面端購物習慣和成熟的支付閘道器整合。然而，行動平台顯然才是真正的成長引擎，預計到2031年，其複合年成長率將達到22.3%。在中國，已有82%的網路購物車交易透過行動錢包完成；而在印度，UPI系統允許用戶在不到一秒的時間內向商家付款，其使用率已經超過了銀行卡。這些趨勢正在推動對生物識別、基於網路的令牌配置以及應用層設備認證的需求不斷成長。因此，安全藍圖的核心在於建立SDK，使商家能夠在原生行動應用程式、瀏覽器和漸進式網路應用程式（PWA）等通用平台之間協調通用策略。

全通路策略正在縮小傳統上卡片出示和非出示安全標準之間的差距。 「輕觸手機」功能在實體店中得到應用，並藉助NFC和MPoC指南，引入了類似於電子商務中使用的即時風險分析。此外，行動網際網路的興起正推動網路平台採用現代化的會話完整性控制，從而確保零售商在整個客戶互動週期中提供一致的客戶體驗。

區域分析

到2025年，北美將佔支付安全市場收入的29.60%。這主要得益於北美地區提前過渡到PCI DSS 4.0標準，以及大規模全通路零售商的持續升級。企業預算正優先考慮人工智慧驅動的風險管理引擎，而卡片組織則將增值保全服務納入交易手續費。儘管與3DS 2.2延遲相關的部署挑戰仍然影響核准率，但明確的執法時間表帶來的監管確定性正在支撐穩定的採購管道。諸如萬事達卡在2024年以26.5億美元收購Recorded Future等策略性收購，凸顯了將原生威脅情報源整合到網路堆疊中的持續努力。

亞太地區仍是成長的核心區域。在政府支持的即時支付基礎設施和積極的普惠金融政策的推動下，行動錢包目前已佔電子商務交易總額的70%。基礎設施的飛躍式發展使商家能夠繞過傳統的磁條系統，從一開始就部署雲端原生支付閘道器。推出QR碼合作，例如新加坡PayNow和泰國PromptPay的合作，進一步增加了需要端到端安全保障的交易數量。因此，該地區的需求正在轉向輕量級SDK，這些SDK整合了設備綁定和行為生物識別技術，且不會增加結帳流程的阻力。

在歐洲，人們正在努力平衡健全的消費者保護標準與快速更新的POS技術。 PCI MPoC和PSD3已在27個成員國建立了統一的合規環境，加速了汽車、旅館和運輸業非接觸式和物聯網終端的普及。同時，中東和非洲地區正經歷最高的年複合成長率（CAGR），預計到2031年將達到19.8%，這主要得益於面向此前銀行帳戶服務的人群的行動支付平台。區域監管機構正在加速開發數位身分框架，並支援託管在本地監管資料中心的雲端令牌庫。這些措施正在擴大區域支付安全市場的規模，但中小企業仍面臨成本限制。

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
    • 北美地區為符合PCI-DSS 4.0標準所採取的監管措施
    • 雲端支付處理服務商中人工智慧驅動的詐欺分析應用激增。
    • 隨著「先買後付 (BNPL)」模式的擴展，需要一個安全的代幣庫。
    • 歐洲物聯網POS終端快速成長
    • 新興亞洲市場「行動優先」錢包的蓬勃發展
  • 市場限制因素
    • 中小加盟商的初始整合成本較高
    • 3-D Secure 2.2 實施過程中出現的交易延遲問題
    • 新興經濟體的資料保護法律片段化且相互重疊
    • 消費者對行為生物辨識技術的隱私擔憂
  • 價值鏈分析
  • 監理展望
  • 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

  • 按解決方案類型
    • 加密
    • 分詞
    • 詐欺檢測與預防
    • 其他解決方案
  • 按平台
    • 移動基地
    • 基於網路的
    • 店內/POS
  • 按組織規模
    • 中小企業
    • 大公司
  • 按最終用戶行業分類
    • 零售與電子商務
    • BFSI
    • 衛生保健
    • IT/通訊
    • 旅遊與飯店
    • 政府
    • 其他行業
  • 按地區
    • 北美洲
      • 美國
      • 加拿大
      • 墨西哥
    • 歐洲
      • 英國
      • 德國
      • 法國
      • 義大利
      • 西班牙
      • 其他歐洲國家
    • 亞太地區
      • 中國
      • 印度
      • 日本
      • 韓國
      • 其他亞太國家
    • 南美洲
      • 巴西
      • 阿根廷
      • 其他南美國家
    • 中東
      • 阿拉伯聯合大公國
      • 沙烏地阿拉伯
      • 其他中東國家
    • 非洲
      • 南非
      • 奈及利亞
      • 其他非洲國家

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
    • Visa Inc.（CyberSource Corporation）
    • Bluefin Payment Systems LLC
    • PayPal Holdings Inc.（Braintree）
    • Elavon Inc.
    • SecurionPay
    • Global Payments Inc.
    • Worldline SA
    • Broadcom Inc.（Symantec）
    • Stripe Inc.
    • Fiserv Inc.（First Data）
    • Signifyd Inc.
    • Adyen NV
    • Shift4 Payments Inc.
    • TokenEx Inc.
    • Forter Ltd.
    • ACI Worldwide Inc.
    • RSA Security LLC
    • F5 Inc.（Shape Security）
    • Thales Group（Gemalto）
    • Transaction Network Services（TNS）

第7章 市場機會與未來展望

簡介目錄
Product Code: 64744

According to Mordor Intelligence, the payment security market size was valued at USD 33.72 billion in 2025 and estimated to grow from USD 39.44 billion in 2026 to reach USD 86.18 billion by 2031, at a CAGR of 16.95% during the forecast period (2026-2031).

Payment Security - Market - IMG1

This report is Segmented by Solution Type (Encryption, Tokenization and More), Platform (Mobile-Based, Web-Based, In-Store / POS), Organization Size (Small & Medium-Sized Enterprises (SMEs), Large Enterprises), End-User Industry (Retail & E-Commerce, BFSI and More), Geography. The Market Forecasts are Provided in Terms of Value (USD).

Global Payment Security Market Trends and Insights

Regulatory push for PCI DSS 4.0 compliance

Mandatory adherence to PCI DSS 4.0 beginning in March 2025 is reshaping security budgets across North America. Enterprises face annual outlays that climb to USD 250,000 at Level 1, reflecting the standard's 64 new requirements covering continuous log analysis and payment-page script integrity. Non-compliance fines of up to USD 500,000 per month sharpen the focus on immediate remediation, prompting rapid adoption of tokenization and automated encryption services. European acquirers are already mapping PSD3 provisions to PCI controls, creating a spill-over effect that sustains investment momentum through 2027.

Surge in AI-based fraud analytics

Financial institutions increasingly pivot from rule-based engines to adaptive machine-learning models that inspect more than 100 contextual signals in real time. Visa reports that AI applications blocked USD 40 billion in fraudulent transactions during 2024, cutting false positives by 85% and improving authorization rates. Cloud processors embed these models as micro-services, allowing merchants to fine-tune risk thresholds without lengthy integrations. Emerging markets benefit from cloud scale because it removes the need for legacy on-premise infrastructure, a dynamic that supports uniform global deployment of next-generation fraud analytics.

High upfront integration costs for SMEs

Typical annual security spend for a small merchant can range from USD 5,000 to USD 50,000, an amount that strains cash flows in emerging economies where total IT budgets are modest. Complex scoping exercises push many SMEs toward bundled cloud subscriptions, yet concerns around data residency and vendor lock-in slow conversions. As a result, low-cost plug-in solutions dominate lower-volume web stores, leaving gaps in advanced risk analytics. Security vendors that can tier services according to volume thresholds are expected to capture latent SME demand once cost curves decline.

Other drivers and restraints analyzed in the detailed report include:

  1. Expansion of BNPL requiring secure token vaults
  2. Rapid growth of IoT-enabled POS terminals
  3. Transaction-latency issues in 3-D Secure 2.2 roll-outs

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

Segment Analysis

Tokenization accounted for 30.45% of payment security market share in 2025, underscoring its role in removing primary account numbers from merchant systems and shrinking audit scope. Visa processed 10 billion tokenized transactions in 2024, up 45% from the prior year, proving scalability in both in-store and e-commerce settings. Encryption remains mandatory for data-in-transit, particularly in banking and healthcare where breach disclosure rules impose heavy penalties. Fraud detection platforms that embed machine-learning pipelines are projected to expand at 20.4% CAGR, reflecting demand for adaptive controls that self-learn from evolving attack vectors. Other emerging solutions, including quantum-safe cryptography and distributed-ledger verification, currently capture niche use-cases but hold long-term upside as standards mature. Vendors able to interlink token services with AI-driven analytics create combined offerings that minimize manual review costs while keeping false positives in check. This capability supports upsell cycles, positioning integrated platforms for outsized contribution to overall payment security market revenue.

Growth across solution types will influence payment security market size forecasts, specifically by shifting spend from basic compliance tools to intelligent orchestration engines. Vendors competing on breadth rather than point functionality tend to secure longer-term contracts, especially with enterprises that favor consolidated dashboards for audit reporting. As token vault density increases inside acquirer environments, supply-chain chip shortages may hit hardware HSM refresh plans, thereby accelerating interest in virtualized key-management modules.

Web-based deployments led the payment security market in 2025 with a 46.20% share, driven by entrenched desktop shopping patterns and mature gateway integrations. However, mobile platforms are the clear growth engine at 22.3% CAGR through 2031. China already records that 82% of online baskets close via mobile wallets, while India's UPI system enables sub-second peer-to-merchant transfers that now outpace card usage. These trends elevate requirements for biometric authentication, network-token provisioning, and device attestation directly in the app layer. As a result, security roadmaps center on building SDKs that allow merchants to orchestrate common policies across native mobile, browser, and progressive web-app flows.

Omnichannel strategies are narrowing the historical gap between card-present and card-not-present security standards. In-store tap-to-phone initiatives, enabled by NFC and MPoC guidelines, introduce the same real-time risk insights present in e-commerce. The rise of mobile also acts as a forcing function for web platforms to adopt modern session integrity controls, ensuring that customer experience remains consistent across a retailer's full engagement cycle.

Complete Report Scope:

  • By Solution Type
    • Encryption
    • Tokenization
    • Fraud Detection & Prevention
    • Other Solutions
  • By Platform
    • Mobile-Based
    • Web-Based
    • In-Store / POS
  • By Organization Size
    • Small & Medium-Sized Enterprises (SMEs)
    • Large Enterprises
  • By End-user Industry
    • Retail and E-commerce
    • BFSI
    • Healthcare
    • IT and Telecom
    • Travel and Hospitality
    • Government
    • Other Industries
  • By Geography
    • North America
      • United States
      • Canada
      • Mexico
    • Europe
      • United Kingdom
      • Germany
      • France
      • Italy
      • Spain
      • Rest of Europe
    • Asia-Pacific
      • China
      • India
      • Japan
      • South Korea
      • Rest of Asia-Pacific
    • South America
      • Brazil
      • Argentina
      • Rest of South America
    • Middle East
      • United Arab Emirates
      • Saudi Arabia
      • Rest of Middle East
    • Africa
      • South Africa
      • Nigeria
      • Rest of Africa

Geography Analysis

North America contributed 29.60% of payment security market revenue in 2025, boosted by early PCI DSS 4.0 migrations and continued upgrades among large omnichannel merchants. Enterprise budgets prioritise AI-powered risk engines, while card networks bundle value-added security services inside processing tariffs. Implementation challenges linked to 3DS 2.2 latency still influence approval ratios, yet the regulatory certainty of defined enforcement timelines underpins steady procurement pipelines. Strategic acquisitions, such as Mastercard's USD 2.65 billion purchase of Recorded Future in 2024, highlight an ongoing drive to embed native threat-intelligence feeds inside network stacks.

Asia-Pacific remains the growth nucleus. Mobile wallets now drive 70% of total ecommerce volume, supported by government-backed real-time payment rails and aggressive financial inclusion policies. Infrastructure leapfrogging lets merchants skip legacy mag-stripe systems, installing cloud-native gateways from inception. Cross-border QR alliances, typified by the linkage between Singapore's PayNow and Thailand's PromptPay, further increase transaction counts that must be secured end-to-end. As a result, regional demand skews toward lightweight SDKs that embed device binding and behavioral biometrics without adding checkout friction.

Europe balances strong consumer-protection norms with rapid POS technology refresh cycles. PCI MPoC and PSD3 create a harmonised compliance backdrop across 27 member states, spurring automotive, hospitality, and transport sectors to adopt contactless and IoT-enabled terminals. Meanwhile, the Middle East and Africa show the highest CAGR at 19.8% through 2031, driven by mobile-money platforms that serve previously unbanked populations. Regional regulators accelerate digital-identity frameworks, supporting cloud token vaults hosted in locally compliant data centres. These initiatives collectively expand regional payment security market size, although SME affordability constraints persist.

  1. Visa Inc. (CyberSource Corporation)
  2. Bluefin Payment Systems LLC
  3. PayPal Holdings Inc. (Braintree)
  4. Elavon Inc.
  5. SecurionPay
  6. Global Payments Inc.
  7. Worldline SA
  8. Broadcom Inc. (Symantec)
  9. Stripe Inc.
  10. Fiserv Inc. (First Data)
  11. Signifyd Inc.
  12. Adyen N.V.
  13. Shift4 Payments Inc.
  14. TokenEx Inc.
  15. Forter Ltd.
  16. ACI Worldwide Inc.
  17. RSA Security LLC
  18. F5 Inc. (Shape Security)
  19. Thales Group (Gemalto)
  20. Transaction Network Services (TNS)

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 Regulatory Push for PCI-DSS 4.0 Compliance in North America
    • 4.2.2 Surge in AI-based Fraud Analytics among Cloud Payment Processors
    • 4.2.3 Expansion of Buy-Now-Pay-Later (BNPL) Requiring Secure Token Vaults
    • 4.2.4 Rapid Growth of IoT-Enabled POS Terminals in Europe
    • 4.2.5 Mobile-First Wallet Boom across Emerging Asian Markets
  • 4.3 Market Restraints
    • 4.3.1 High Up-front Integration Costs for Small & Mid-Sized Merchants
    • 4.3.2 Transaction-Latency Issues in 3-D Secure 2.2 Roll-outs
    • 4.3.3 Fragmented & Overlapping Data-Protection Statutes in Emerging Nations
    • 4.3.4 Consumer Privacy Concerns over Behavioral Biometrics
  • 4.4 Value Chain Analysis
  • 4.5 Regulatory Outlook
  • 4.6 Porter's Five Forces Analysis
    • 4.6.1 Bargaining Power of Suppliers
    • 4.6.2 Bargaining Power of Buyers/Consumers
    • 4.6.3 Threat of New Entrants
    • 4.6.4 Threat of Substitutes
    • 4.6.5 Intensity of Competitive Rivalry
  • 4.7 Assessment of Macro Economic Trends on the Market

5 MARKET SIZE AND GROWTH FORECASTS (VALUES)

  • 5.1 By Solution Type
    • 5.1.1 Encryption
    • 5.1.2 Tokenization
    • 5.1.3 Fraud Detection & Prevention
    • 5.1.4 Other Solutions
  • 5.2 By Platform
    • 5.2.1 Mobile-Based
    • 5.2.2 Web-Based
    • 5.2.3 In-Store / POS
  • 5.3 By Organization Size
    • 5.3.1 Small & Medium-Sized Enterprises (SMEs)
    • 5.3.2 Large Enterprises
  • 5.4 By End-user Industry
    • 5.4.1 Retail and E-commerce
    • 5.4.2 BFSI
    • 5.4.3 Healthcare
    • 5.4.4 IT and Telecom
    • 5.4.5 Travel and Hospitality
    • 5.4.6 Government
    • 5.4.7 Other 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 United Kingdom
      • 5.5.2.2 Germany
      • 5.5.2.3 France
      • 5.5.2.4 Italy
      • 5.5.2.5 Spain
      • 5.5.2.6 Rest of Europe
    • 5.5.3 Asia-Pacific
      • 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 Rest of Asia-Pacific
    • 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
      • 5.5.5.1 United Arab Emirates
      • 5.5.5.2 Saudi Arabia
      • 5.5.5.3 Rest of Middle East
    • 5.5.6 Africa
      • 5.5.6.1 South Africa
      • 5.5.6.2 Nigeria
      • 5.5.6.3 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, Products & Services, Recent Developments)
    • 6.4.1 Visa Inc. (CyberSource Corporation)
    • 6.4.2 Bluefin Payment Systems LLC
    • 6.4.3 PayPal Holdings Inc. (Braintree)
    • 6.4.4 Elavon Inc.
    • 6.4.5 SecurionPay
    • 6.4.6 Global Payments Inc.
    • 6.4.7 Worldline SA
    • 6.4.8 Broadcom Inc. (Symantec)
    • 6.4.9 Stripe Inc.
    • 6.4.10 Fiserv Inc. (First Data)
    • 6.4.11 Signifyd Inc.
    • 6.4.12 Adyen N.V.
    • 6.4.13 Shift4 Payments Inc.
    • 6.4.14 TokenEx Inc.
    • 6.4.15 Forter Ltd.
    • 6.4.16 ACI Worldwide Inc.
    • 6.4.17 RSA Security LLC
    • 6.4.18 F5 Inc. (Shape Security)
    • 6.4.19 Thales Group (Gemalto)
    • 6.4.20 Transaction Network Services (TNS)

7 MARKET OPPORTUNITIES AND FUTURE OUTLOOK

  • 7.1 White-space and Unmet-Need Assessment