北美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）

根據 Mordor Intelligence 預測，北美 POS 終端市場規模將從 2025 年的 97.8 億美元成長到 2026 年的 106.8 億美元，然後在 2031 年達到 165.3 億美元，2026 年至 2031 年的複合年成長率為 9.18%。

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）、終端用戶行業（零售、酒店、醫療保健、運輸物流及其他用戶行業）和國家/地區進行細分。市場預測以美元計價。

北美POS終端市場趨勢及洞察

由於從 2025 年起強制實施 EMV 晶片卡再發行，非接觸感應卡的發行量將爆炸性成長。

EMV 的推諉責任引發了一波大規模的重新發行，導致消費者手中的非接觸感應卡數量創下歷史新高，迫使商家採用雙界面終端以縮短「輕觸支付」的處理時間。目前全球流通的 EMV 卡約有 108 億張，每年新增發卡量達 30 億張，因此認證讀卡機的需求持續旺盛。加油站業者若未能按時升級加油機，七年內平均每個加油站將面臨 20.1 萬美元的詐欺損失，這進一步凸顯了更換設備的緊迫性。此外，PCI-DSS v4.0 合規性要求採用令牌化和生物識別硬體，而許多傳統終端無法支援這些功能。終端製造商若能提供遠端金鑰注入和韌體管理功能，正逐漸成為收購方尋求統一所有分行安全標準的首選合作夥伴。

零售商雲端POS系統的更新週期是由全通路庫存管理的需求所驅動的。

統一商務策略正迫使零售商跨通路同步庫存、定價和客戶數據，從而推動從本地POS系統向雲端原生套件的大規模轉型。 Shopify已通過處理2350億美元的商品交易總額，展現了該模式的擴充性，同時為商家提供了一個集中式控制面板，連接實體店和電商庫存。訂閱式軟體定價模式降低了資本支出，正推動符合州政府經濟刺激津貼資格的微型企業採用此模式。即時數據收集透過增強忠誠度獎勵和減少缺貨，直接促進了銷售成長。整合開放API以支援第三方忠誠度、稅務和物流模組的供應商正在推動生態系統的普及。

針對安卓智慧POS終端機的持續性網路攻擊途徑

安卓設備開放的架構允許第三方應用程式運行，但也擴大了攻擊面。 PAX Technology 的高調資料外洩事件凸顯了這一點，導致支付卡監管機構加強了審查。頻繁的韌體更新和終端監控已成為強制性要求，增加了商家的支援成本。 IT 團隊有限的公司將安全任務外包給收購方和託管服務供應商，增加了間接訂閱成本。在這種威脅情勢下，規避風險的零售商傾向於選擇採用硬體加密和安全啟動模組的成熟供應商。因此，缺乏安全記錄的新參與企業難以贏得大型連鎖商店的青睞。

細分市場分析

在北美POS終端市場，接觸式支付系統目前佔據58.12%的佔有率，但隨著「輕觸支付」習慣在美國消費者中日益普及，預計到2031年，非接觸式讀卡機的銷量將超過傳統終端，並以9.08%的複合年成長率成長。 Visa和Mastercard提高免PIN碼交易限額，提升了非接觸式支付的平均交易額，迫使消費電子和珠寶飾品行業的零售商升級到支援兩種支付方式的雙介面機型。這些零售商在處理速度方面獲得了優勢，結帳時間最多可縮短15%。醫療保健機構也出於衛生和提高患者處理效率的考慮而採用非接觸式支付，這導致藥房櫃檯的簽名板加裝NFC模組成為一種趨勢。儘管北美POS終端市場仍按行業分類，但隨著卡片組織生物生物識別防詐騙能力的穩定，預計非接觸式架構將穩定滲透到高價值交易領域。

雙介面硬體支援儲值卡充值和通勤卡充值等附加價值服務，從而豐富了收購方的收入來源。透過令牌化卡片識別碼整合忠誠度計畫，可以實現即時獎勵發放，進而提高客戶維繫。商家在進行高額交易以及磁條晶片卡故障時，仍依賴非接觸式支付方式，因此對EMV卡槽的需求仍然存在。然而，由於NFC組件成本的下降，價格差異正在縮小，注重成本的商家的抵觸情緒也在減弱。因此，預計到本世紀末，北美POS終端市場中非接觸式外形規格的出貨量將超過總出貨量的70%。

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
  • 由於從 2025 年起強制實施 EMV 晶片卡再發行，非接觸感應卡發行量將激增。
  • 全通路庫存管理需求正在推動零售業雲端POS系統的更新換代。
  • 利用人工智慧進行POS分析以實現動態定價和詐欺偵測的興起。
  • 美國加油站 EMV 合規期限的延長，正在推動智慧 POS 系統的應用範圍擴大。
  • 跨境旅遊的復甦帶動了對多幣種POS終端（加拿大、墨西哥）需求的成長。
  • 各州為支持小規模企業數位轉型而採取的措施（例如，加州和紐約州的津貼）
• 市場限制因素
  • 針對安卓智慧POS終端機的持續網路攻擊途徑
  • 中小企業遵守 PCI-DSS v4.0 標準的總擁有成本較高
  • SoftPOS 在入門級硬體市場佔據主導地位。
  • 由於晶片組供不應求，硬體更新自 2024 年以來一直被推遲。
• 產業價值鏈分析
• 監管情勢和合規標準
• 技術展望
• 宏觀經濟因素的影響
• 波特五力分析
• 說明非接觸式支付方式的日益普及及其影響。

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
  • 美國
  • 加拿大
  • 墨西哥

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
  • VeriFone Systems, Inc.
  • Ingenico SA
  • First Data Merchant Services LLC（Fiserv, Inc.）
  • BBPOS Limited
  • Castles Technology Co., Ltd.
  • UIC Payworld Inc.
  • PAX Technology Limited
  • SZZT Electronics Co., Ltd.
  • Dspread Technology（Beijing）Inc.
  • Block, Inc.
  • Nayax Ltd.
  • Shanghai Smartpeak Technology Co., Ltd.
  • WizarPOS International Co., Ltd.
  • YouTransactor SAS
  • Urovo Technology Corporation Limited
  • Diebold Nixdorf, Incorporated
  • NCR Voyix Corporation
  • Centerm Information Co., Ltd.
  • Newland Payment Technology Co., Ltd.
  • Equinox Payments, LLC

第7章 市場機會與未來展望

According to Mordor Intelligence, the North America POS terminal market size is expected to grow from USD 9.78 billion in 2025 to USD 10.68 billion in 2026 and is forecast to reach USD 16.53 billion by 2031 at 9.18% CAGR over 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 Other End-User Industries), and Country. The Market Forecasts are Provided in Terms of Value (USD).

North America POS Terminal Market Trends and Insights

Explosion of Contactless-Card Issuance Post-2025 EMV Re-Issuance Mandate

EMV liability shifts drive cascading re-issuance waves that place contactless cards into consumer hands at record volumes, compelling merchants to adopt dual-interface terminals that reduce tap-to-pay processing times. Roughly 10.8 billion EMV cards circulate worldwide, and 3 billion new units ship each year, creating consistent hardware pull through for certified readers. Fuel operators unable to meet dispenser upgrade deadlines face average fraud costs of USD 201,000 per store across seven years, reinforcing replacement urgency. Compliance with PCI-DSS v4.0 additionally requires tokenization and biometric-ready hardware that many legacy devices cannot support. Terminal manufacturers that bundle remote key injection and firmware management position themselves as preferred partners for acquirers seeking fleet-wide security uniformity.

Retail Cloud-POS Refresh Cycles Driven by Omnichannel Inventory Needs

Unified commerce strategies pressure retailers to synchronize inventory, pricing, and customer data across channels, prompting wholesale replacement of on-premise POS with cloud-native suites. Shopify processed USD 235 billion in gross merchandise volume while supplying merchants with centralized dashboards that connect storefront and e-commerce stock counts, proving the model's scalability. Lower capital expense owing to subscription software prices unlocks adoption among micro-merchants targeted by state stimulus grants. Real-time data capture enhances loyalty offers and reduces out-of-stock events, directly supporting revenue lift. Vendors that integrate open APIs for third-party loyalty, tax, and logistics modules accelerate ecosystem stickiness.

Persistent Cyber-Attack Vectors on Android Smart-POS Devices

The open architecture enabling third-party apps on Android terminals also widens attack surfaces, evidenced by high-profile breaches at PAX Technology that led to heightened oversight by payment card regulators. Frequent firmware updates and endpoint monitoring become mandatory, inflating merchant support costs. Enterprises with limited IT teams outsource security to acquirers or managed-service providers, adding subscription overhead. The threat climate nudges risk-averse retailers toward incumbents that embed hardware-based encryption and secure-boot modules. Consequently, newer entrants without proven security credentials struggle to convert large-volume chains.

Other drivers and restraints analyzed in the detailed report include:

1. Rise of AI-Driven POS Analytics for Dynamic Pricing and Fraud Detection
2. U.S. Gas-Station EMV Upgrade Deadline Extending Smart-POS Roll-Outs
3. High TCO for PCI-DSS v4.0 Compliance Among SMBs

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

Segment Analysis

The North America POS terminal market records contact-based systems with 58.12% share, but contactless readers outsell traditional units at a 9.08% CAGR to 2031 as tap-to-pay habits spread among U.S. consumers. Visa and Mastercard lift no-PIN limits, elevating average contactless ticket sizes and forcing merchants in electronics and jewelry to upgrade to dual-interface models that handle both modalities. Retailers adopting such units gain speed advantages, cutting checkout times by up to 15%. Healthcare operators embrace contactless for hygiene benefits and patient throughput, prompting pharmacy counters to retrofit signature pads with NFC modules. The North America POS terminal market remains split across verticals, yet contactless architectures steadily migrate into heavy-ticket segments once biometric verification stabilizes fraud performance at card networks.

Dual-interface hardware unlocks value-added services such as stored value reloads and commuter card top-ups, diversifying revenue streams for acquirers. Loyalty integration through tokenized card identifiers empowers real-time rewards issuance, raising customer retention metrics. Merchants still rely on contact-based fallback for high-value or chip-on-magstripe fallback events, preserving residual demand for EMV slots. Nevertheless, declining unit costs of NFC components narrow price gaps, shrinking resistance among budget-conscious owners. As a result, the North America POS terminal market size devoted to contactless-enabled form factors is projected to eclipse 70% of total shipments by the end of the decade.

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
  • United States
  • Canada
  • Mexico

List of Companies Covered in this Report:

1. VeriFone Systems, Inc.
2. Ingenico S.A.
3. First Data Merchant Services LLC (Fiserv, Inc.)
4. BBPOS Limited
5. Castles Technology Co., Ltd.
6. UIC Payworld Inc.
7. PAX Technology Limited
8. SZZT Electronics Co., Ltd.
9. Dspread Technology (Beijing) Inc.
10. Block, Inc.
11. Nayax Ltd.
12. Shanghai Smartpeak Technology Co., Ltd.
13. WizarPOS International Co., Ltd.
14. YouTransactor SAS
15. Urovo Technology Corporation Limited
16. Diebold Nixdorf, Incorporated
17. NCR Voyix Corporation
18. Centerm Information Co., Ltd.
19. Newland Payment Technology Co., Ltd.
20. Equinox Payments, LLC

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 contactless-card issuance post-2025 EMV re-issuance mandate
  • 4.2.2 Retail cloud-POS refresh cycles driven by omnichannel inventory needs
  • 4.2.3 Rise of AI-driven POS analytics for dynamic pricing and fraud detection
  • 4.2.4 U.S. gas-station EMV upgrade deadline extending smart-POS roll-outs
  • 4.2.5 Cross-border tourism rebound boosting multi-currency POS demand (Canada, Mexico)
  • 4.2.6 State-level incentives for small-merchant digitalisation (e.g., CA, NY grants)
• 4.3 Market Restraints
  • 4.3.1 Persistent cyber-attack vectors on Android smart-POS devices
  • 4.3.2 High TCO for PCI-DSS v4.0 compliance among SMBs
  • 4.3.3 SoftPOS cannibalising entry-level hardware sales
  • 4.3.4 Chipset shortages delaying hardware refresh since 2024
• 4.4 Industry Value Chain Analysis
• 4.5 Regulatory Landscape and Compliance Standards
• 4.6 Technological Outlook
• 4.7 Impact of Macroeconomic Factors
• 4.8 Porter's Five Forces Analysis
  • 4.8.1 Bargaining Power of Suppliers
  • 4.8.2 Bargaining Power of Buyers
  • 4.8.3 Threat of New Entrants
  • 4.8.4 Threat of Substitutes
  • 4.8.5 Intensity of Competitive Rivalry
• 4.9 Commentary on the Rising Use of Contactless Payment and its Impact

5 MARKET SIZE AND GROWTH FORECASTS (VALUE)

• 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 United States
  • 5.4.2 Canada
  • 5.4.3 Mexico

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 VeriFone Systems, Inc.
  • 6.4.2 Ingenico S.A.
  • 6.4.3 First Data Merchant Services LLC (Fiserv, Inc.)
  • 6.4.4 BBPOS Limited
  • 6.4.5 Castles Technology Co., Ltd.
  • 6.4.6 UIC Payworld Inc.
  • 6.4.7 PAX Technology Limited
  • 6.4.8 SZZT Electronics Co., Ltd.
  • 6.4.9 Dspread Technology (Beijing) Inc.
  • 6.4.10 Block, Inc.
  • 6.4.11 Nayax Ltd.
  • 6.4.12 Shanghai Smartpeak Technology Co., Ltd.
  • 6.4.13 WizarPOS International Co., Ltd.
  • 6.4.14 YouTransactor SAS
  • 6.4.15 Urovo Technology Corporation Limited
  • 6.4.16 Diebold Nixdorf, Incorporated
  • 6.4.17 NCR Voyix Corporation
  • 6.4.18 Centerm Information Co., Ltd.
  • 6.4.19 Newland Payment Technology Co., Ltd.
  • 6.4.20 Equinox Payments, LLC

7 MARKET OPPORTUNITIES AND FUTURE OUTLOOK

• 7.1 White-space and Unmet-need Assessment