歐洲POS終端：市場佔有率分析、產業趨勢與統計及成長預測（2026-2031年）

據 Mordor Intelligence 稱，2025 年歐洲 POS 終端市值為 2,362 萬美元，預計到 2031 年將達到 4,798 萬美元，而 2026 年為 2,658 萬美元，預測期（2026-2031 年）的複合年成長率為 12.5%。

本報告按支付方式（接觸式和非接觸式）、POS機類型（固定式POS系統和行動/可攜式POS系統）、終端用戶產業（零售、飯店、醫療保健、運輸物流等）以及國家（德國、英國、法國、義大利、西班牙等）進行細分。市場預測以貨幣形式呈現。

歐洲POS終端市場趨勢與洞察

PIDF 補貼正在加速三級至六級地區的部署。

支付基礎設施發展基金 (PIDF) 計畫降低了商家註冊成本，並促進了先前服務不足的農村地區的業務拓展。光是 Worldline 一家公司在 2024 年上半年就在其「行動支付」平台上註冊了 6300 家微型商戶，這表明合理利用補貼能夠迅速將潛在需求轉化為實際交易量。隨著新近數位化商家需要分析和庫存管理模組等附加價值服務，該補貼專案創造了新的持續收入來源。

信用卡基礎設施的快速擴張正在推動卡片付款處理量的成長。

2024年，歐洲活躍銀行卡數量突破1億張，帶動了線下支付交易量的成長，並增強了商家升級POS終端的經濟動力。交易密度的提高提升了收單機構的利潤率，促進了收購方忠誠度計畫的整合，並強化了提高非接觸式支付限額的商業必要性。

零商家折扣率統一支付介面（UPI）會損害小規模商家的盈利。

監管機構將即時支付的商家折扣限制為零，小規模企業轉向免手續費的QR碼支付，從而大幅降低了硬體租賃成本。這導致收購方的服務費降低，POS機供應商也錯失了在咖啡館和自助服務終端領域的初期銷售機會。然而，大型連鎖商店由於能夠收集更多數據並更好地處理扣回爭議帳款，因此仍然依賴卡片付款，從而減輕了上述影響。

細分市場分析

預計到2025年，非接觸式終端將佔據歐洲POS終端市場53.90%的佔有率，到2031年，其複合年成長率（CAGR）預計將達到12.65%。歐洲經濟區（EEA）提高免密碼非接觸式支付限額，簡化了支付流程。到2024年，布魯塞爾公共交通系統（STIB）等公共交通工具的單程非接觸式支付普及率已達57%。此外，Apple Pay和Google Pay等電子錢包供應商新增的積分收據配送功能，進一步推動了歐洲POS終端市場在該領域的擴張，也增強了商家採用該技術的獎勵。

在交易額較高的市場以及仍在使用舊式銀行卡的地區，傳統的非接觸式終端仍然至關重要。然而，像Verifone的P400這樣的多介面終端使得商家能夠用一個整合的PIN碼鍵盤取代兩台硬體設備，從而緩解了對現有市場的蠶食。隨著支付安全升級在2028年轉向生物識別，預計非接觸式支付的市佔率將略高於60%，鞏固其作為歐洲POS終端市場主要成長引擎的地位。

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
  • 非接觸感應卡的普及率迅速提高。
  • 全通路零售對整合POS系統的需求
  • 實施符合歐盟MPoC認證的SoftPOS
  • 混合簽帳金融卡（Guillotine + Scheme）升級週期
  • 透過歐盟綠色新政推廣節能硬體
  • 支持無現金支付的無人販賣機的成長
• 市場限制因素
  • 中小企業的高總擁有成本和合規成本
  • 有關分散金融和財政改革的規則
  • 農村地區工程師短缺導致長時間運作。
  • 老舊POS終端網路保險費上漲
• 產業價值鏈分析
• 監理情勢
• 技術展望
• 波特五力分析

第5章 市場規模與成長預測

• 按支付方式的接受狀態
  • 聯繫類型
  • 非接觸式
• 按POS機類型分類
  • 固定式POS系統
  • 行動/可攜式POS系統
• 按最終用戶行業分類
  • 零售
  • 飯店業
  • 衛生保健
  • 運輸/物流
  • 其他終端用戶產業
• 國家
  • 德國
  • 英國
  • 法國
  • 義大利
  • 西班牙
  • 其他歐洲國家

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
  • Ingenico SA
  • Worldline SA
  • Verifone Systems, Inc.
  • PAX Technology Limited
  • NCR Corporation
  • Diebold Nixdorf Incorporated
  • Toshiba Corporation
  • HP Inc.
  • Castles Technology Co., Ltd.
  • Adyen NV
  • Stripe, Inc.
  • SumUp Payments Limited
  • Block, Inc.（Square）
  • Fiserv, Inc.（Clover Network, LLC）
  • Elavon, Inc.
  • EVO Payments, Inc.
  • Nexi SpA
  • myPOS Europe Ltd.
  • Yavin SAS
  • PayPal Holdings, Inc.（Zettle）

第7章 市場機會與未來展望

According to Mordor Intelligence, the Europe POS terminal market size was valued at USD 23.62 million units in 2025 and estimated to grow from USD 26.58 million units in 2026 to reach USD 47.98 million units by 2031, at a CAGR of 12.55% during the forecast period (2026-2031).

This report is Segmented by Mode of Payment Acceptance (Contact-Based, and Contactless), POS Type (Fixed Point-Of-Sale Systems, and Mobile/Portable Point-Of-Sale Systems), End-User Industry (Retail, Hospitality, Healthcare, Transportation and Logistics, and More), and Country (Germany, United Kingdom, France, Italy, Spain, and More). The Market Forecasts are Provided in Terms of Value (Units).

Europe POS Terminal Market Trends and Insights

PIDF subsidies accelerating Tier-3-Tier-6 roll-outs

Payment Infrastructure Development Fund programs lowered merchant on-boarding cost and spurred shipments into previously under-served rural districts. Worldline alone enrolled 6,300 micro-merchants on its Tap on Mobile platform during H1 2024, signaling how subsidy alignment quickly converts latent demand into active transaction volumes. The subsidy window created a new recurring revenue stream as newly digitized merchants required value-added services such as analytics and inventory modules.

Surging credit-card base lifts card-swipe volumes

The European card base surpassed 100 million active cards in 2024, feeding higher card-present volumes and reinforcing merchant economics for upgrading POS estates. Higher swipe density improved acquirer margins, encouraged loyalty-program integration, and strengthened the business case for contactless limits expansion.

Zero-MDR UPI erodes small-merchant economics

When regulators capped merchant discount at zero for instant payments, micro-merchants pivoted toward fee-free QR alternatives, slashing hardware rentals. Acquirers saw service fee compression, and POS suppliers lost first-unit sales in the cafe and kiosk segment. Larger chains, however, continued to rely on card rails because of richer data capture and chargeback management, tempering the downside.

Other drivers and restraints analyzed in the detailed report include:

1. Omni-payment Android POS integration
2. GST e-invoice compliance driving real-time POS upgrades
3. QR-code ubiquity dampens new POS demand

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

Segment Analysis

Contactless units delivered 12.65% CAGR through 2031 even though contact-based devices held a 53.90% Europe POS terminal market share in 2025. The higher limit for tap-to-pay without PIN in the EEA trimmed checkout friction, and transit systems such as Brussels STIB recorded 57% contactless adoption for single rides in 2024. Europe POS terminal market size expansion within this segment was further propelled by wallet providers like Apple Pay and Google Pay adding loyalty receipt delivery, raising merchant acceptance incentives.

Legacy contact-based terminals remained indispensable for high-ticket transactions and markets with older banking cards. Nonetheless, multi-interface devices such as Verifone's P400 allowed merchants to replace dual hardware with one converged pinpad, moderating the cannibalization rate. As payment security upgrades migrate toward biometric user verification by 2028, contactless share is projected to edge past the 60% threshold, cementing its role as the principal growth engine of the Europe POS terminal market.

Complete Report Scope:

• By Mode of Payment Acceptance
  • Contact-based
  • Contactless
• By POS Type
  • Fixed Point-of-Sale Systems
  • Mobile / Portable Point-of-Sale Systems
• By End-User Industry
  • Retail
  • Hospitality
  • Healthcare
  • Transportation and Logistics
  • Other End-user Industries
• By Country
  • Germany
  • United Kingdom
  • France
  • Italy
  • Spain
  • Rest of Europe

List of Companies Covered in this Report:

1. Ingenico S.A.
2. Worldline S.A.
3. Verifone Systems, Inc.
4. PAX Technology Limited
5. NCR Corporation
6. Diebold Nixdorf Incorporated
7. Toshiba Corporation
8. HP Inc.
9. Castles Technology Co., Ltd.
10. Adyen N.V.
11. Stripe, Inc.
12. SumUp Payments Limited
13. Block, Inc. (Square)
14. Fiserv, Inc. (Clover Network, LLC)
15. Elavon, Inc.
16. EVO Payments, Inc.
17. Nexi S.p.A.
18. myPOS Europe Ltd.
19. Yavin SAS
20. PayPal Holdings, Inc. (Zettle)

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 Surge in contactless card penetration
  • 4.2.2 Omnichannel retail demand for integrated POS
  • 4.2.3 EU MPoC-certified SoftPOS roll-outs
  • 4.2.4 Hybrid debit (girocard + scheme) upgrade cycle
  • 4.2.5 EU Green Deal energy-efficient hardware push
  • 4.2.6 Cashless-compliant unattended vending growth
• 4.3 Market Restraints
  • 4.3.1 High TCO for SMEs and compliance costs
  • 4.3.2 Fragmented fiscal/fiscalisation rules
  • 4.3.3 Rural technician shortage extends downtime
  • 4.3.4 Higher cyber-insurance premiums for legacy POS
• 4.4 Industry Value Chain Analysis
• 4.5 Regulatory Landscape
• 4.6 Technological Outlook
• 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 (UNITS)

• 5.1 By Mode of Payment Acceptance
  • 5.1.1 Contact-based
  • 5.1.2 Contactless
• 5.2 By POS Type
  • 5.2.1 Fixed Point-of-Sale Systems
  • 5.2.2 Mobile / Portable Point-of-Sale Systems
• 5.3 By End-User Industry
  • 5.3.1 Retail
  • 5.3.2 Hospitality
  • 5.3.3 Healthcare
  • 5.3.4 Transportation and Logistics
  • 5.3.5 Other End-user Industries
• 5.4 By Country
  • 5.4.1 Germany
  • 5.4.2 United Kingdom
  • 5.4.3 France
  • 5.4.4 Italy
  • 5.4.5 Spain
  • 5.4.6 Rest of Europe

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 Ingenico S.A.
  • 6.4.2 Worldline S.A.
  • 6.4.3 Verifone Systems, Inc.
  • 6.4.4 PAX Technology Limited
  • 6.4.5 NCR Corporation
  • 6.4.6 Diebold Nixdorf Incorporated
  • 6.4.7 Toshiba Corporation
  • 6.4.8 HP Inc.
  • 6.4.9 Castles Technology Co., Ltd.
  • 6.4.10 Adyen N.V.
  • 6.4.11 Stripe, Inc.
  • 6.4.12 SumUp Payments Limited
  • 6.4.13 Block, Inc. (Square)
  • 6.4.14 Fiserv, Inc. (Clover Network, LLC)
  • 6.4.15 Elavon, Inc.
  • 6.4.16 EVO Payments, Inc.
  • 6.4.17 Nexi S.p.A.
  • 6.4.18 myPOS Europe Ltd.
  • 6.4.19 Yavin SAS
  • 6.4.20 PayPal Holdings, Inc. (Zettle)

7 MARKET OPPORTUNITIES AND FUTURE OUTLOOK

• 7.1 White-space and Unmet-need Assessment