西班牙POS終端市場：市場佔有率分析、產業趨勢與統計數據以及成長預測（2026-2031年）

根據 Mordor Intelligence 預測，西班牙 POS 終端市場規模預計將在 2026 年達到 48.5 億美元，到 2031 年達到 70.9 億美元，在此期間的複合年成長率為 7.92%。

本報告按支付方式（接觸式和非接觸式）、POS機類型（固定POS系統和行動/可攜式POS系統）、組件（硬體、軟體和服務）、部署模式（雲端和本地部署）以及最終用戶行業（零售、酒店、醫療保健等）進行細分。市場預測以美元計價。

西班牙POS終端市場趨勢與洞察

西班牙銀行業正在推動非接觸感應卡發行量的激增。

西班牙發卡機構正大量推出支援NFC功能的塑膠卡和錢包，CaixaBank預測，到2025年6月，行動和非接觸式交易量將達到1.07億筆，年增34.4%，這便是明證。西班牙銀行（Banco de Espana）的數據顯示，2024年上半年銀行卡交易總量達55.62億筆，其中93.7%為非接觸式交易。至2024年底，歐元區92%的終端將支援非接觸式支付。萬事達卡的研究表明，西班牙目前50.4%的非接觸式支付是透過智慧型手機而非銀行卡完成的。因此，收購方正在將NFC讀卡機與獎勵和分析應用程式結合，使西班牙POS終端市場不僅成為支付終端，更成為數據驅動型客戶參與的重要平台。

政府對現金交易的限制以及《金融數位化法案》

11/2021號法律規定現金交易限額為1000歐元，而第253/2025號皇家法令則強制要求自2026年1月起每月報告銀行卡片付款。餐飲、汽車維修和建材業的商家再也不能依賴不透明的現金記錄，否則將面臨罰款風險。即將生效的第18/2022號法律強制推行的B2B電子帳單以及歐盟「數位時代的增值稅（VAT）」改革進一步加速了電子支付的普及。因此，西班牙約有340萬家中小企業正在迅速採用POS終端以確保合規，從而推動了對能夠自動產生稅務收據並即時傳輸至稅務平台的雲端解決方案的需求。

限制立體交叉通行費會對收購方的利潤率和補貼帶來壓力。

歐盟第2015/751號條例將簽帳金融卡和信用卡的交換費分別降低至0.2%和0.3%，並透過第150/2020號皇家法令在全國實施。由於盈利下降，免費終端宣傳活動已縮減，實施成本也轉嫁給了商家。快餐店等低價商店難以承受租金上漲的壓力，西班牙部分農村地區的POS終端普及速度正在放緩。小規模收購方要么退出無利可圖的細分市場，要么進行整合，但SoftPOS的引入實現了自帶設備（BYOD）支付，減輕了硬體負擔。

細分市場分析

預計到2025年，非接觸式支付管道的交易量將佔總交易量的70.32%，並以8.13%的複合年成長率持續成長，逐步取代晶片密碼支付方式。儘管接觸式終端仍用於高價值交易和高風險的離線環境，但西班牙銀行（Banco de Espana）報告稱，到2024年底，93.7%的銀行卡交易將採用非接觸式支付，凸顯了消費者的偏好。 PSD2對小額交易的豁免確保了非接觸式支付的便捷性，而Bizum錢包的整合則為國內即時支付提供了另一種選擇，進一步擴大了西班牙POS終端市場非接觸式支付的規模。

隨著Bizum於2025年3月加入BBVA的POS終端套件，錢包轉帳和卡片付款流程得以整合，降低了小額交易的成本。 Ingenico和BBVA的SoftPOS應用程式使安卓智慧型手機能夠作為終端使用，從而提高了其在零工經濟服務中的應用。因此，雙界面終端正逐漸成為西班牙POS終端產業的最低要求，雖然非接觸式支付仍將保持重要性，但其使用率必將下降。

2025年，固定終端仍將保持53.42%的市場佔有率，但可攜式系統的佔有率同比成長8.67%，這主要得益於餐廳引入餐桌支付以及節慶活動中臨時攤位的激增。巴塞隆納的TMB公車網路和巴利阿里群島交通系統的檢票閘機都體現了公共交通對行動讀卡機的依賴。馬德里地鐵302個車站耗資590萬歐元的升級改造進一步凸顯了固定基礎設施的資本密集特性。

軟POS正在模糊硬體類別之間的界線。根據Ingenico估計，截至2023年1月，西班牙已部署了35萬台安卓設備，預計幾年內，基於智慧型手機的支付處理將佔所有交易的25%。 BBVA的NFC應用程式適用於所有安卓11用戶，並且從第一天起即可使用。雖然大型連鎖超市仍依賴有線掃描器和收銀抽屜，但靈活的行動支付方式正在重新定義西班牙POS終端市場的客戶體驗。

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
  • 西班牙銀行業正在推動非接觸感應卡發行量的激增。
  • 政府對現金交易的限制以及《金融數位化法案》
  • 旅遊消費的復甦帶動了沿海地區的POS銷售。
  • 中小企業採用整合式雲端POS系統進行全通路商務的現況。
  • 整合Bizum即時支付系統並實施SoftPOS
  • 數位歐元的準備工作正在推進，並加快了設備的早期更新。
• 市場限制因素
  • 限制互通收費標準給收購方的利潤率和補貼帶來了壓力。
  • 中小企業數位素養的差距阻礙了先進POS系統的採用。
  • 雲端POS供應商的GDPR相關合規成本
  • 在地緣政治供應風險下，對進口晶片組的依賴
• 價值鏈分析
• 監管情況（PSD2、現金限制法案、金融印刷）
• 技術趨勢（NFC、SoftPOS、安卓設備）
• 波特五力分析
• POS終端數量市場預測（2017-2027年）
• 每台POS終端機的交易筆數市場預測（2017-2027年）
• 市場對每台POS終端交易金額的預測（2017-2027年）
• 說明非接觸式支付方式的日益普及及其影響。
• 主要案例研究分析
• 投資分析
• 市場宏觀經濟趨勢的評估

第5章 市場規模與成長預測

• 透過付款方式
  • 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
• 按組件
  • 硬體
  • 軟體
  • 服務
• 部署模式
  • 基於雲端的
  • 現場
• 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

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
  • Worldline SA
  • Ingenico Group SAS
  • NEC Iberica, SL
  • NCR Corporation
  • PayPal Holdings, Inc.（Zettle）
  • VeriFone, Inc.
  • SumUp Payments Limited
  • PAX Technology Limited
  • Squareup International Ltd（Block, Inc.）
  • BBVA POS Espana（Banco Bilbao Vizcaya Argentaria, SA）
  • Redsys Servicios de Procesamiento, SL
  • Adyen NV
  • Fiserv, Inc.（Clover）
  • Shopify Inc.
  • MONEI Payments SL
  • CaixaBank Payments and Consumer EFC, SA
  • Nexi SpA
  • Revel Systems, Inc.
  • Lightspeed Commerce Inc.
  • Asseco South Eastern Europe SA
  • Nuvei Corporation

第7章 市場機會與未來展望

According to Mordor Intelligence, the Spain POS terminals market size stood at USD 4.85 billion in 2026 and is projected to reach USD 7.09 billion by 2031, reflecting a 7.92% CAGR over the period.

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), Component (Hardware, Software, and Services), Deployment Mode (Cloud-Based, and On-Premise), and End-User Industry (Retail, Hospitality, Healthcare, and More). The Market Forecasts are Provided in Terms of Value (USD).

Spain POS Terminals Market Trends and Insights

Surge in Contactless Card Issuance Driven by Spanish Banks

Spanish issuers are saturating the market with NFC-enabled plastics and wallets, evidenced by CaixaBank's 100.7 million mobile and contactless transactions in June 2025, up 34.4% year-on-year. Banco de Espana counted 5.562 billion card operations in the first half of 2024, 93.7% of which were contactless. Across the euro area, 92% of terminals accepted contactless by late 2024. Mastercard research shows 50.4% of Spanish tap-to-pay transactions now originate from phones rather than cards. Acquirers are therefore bundling NFC readers with loyalty and analytics apps, positioning the Spain POS terminals market as a springboard for data-driven engagement rather than a simple payments endpoint.

Government Cash-Transaction Limits and Fiscal Digitalization Law

Law 11/2021 capped cash dealings at EUR 1,000, while Royal Decree 253/2025 imposes monthly card-payment reporting from January 2026. Merchants in hospitality, automotive repair, and construction materials can no longer rely on opaque cash records without risking penalties. Upcoming B2B e-invoicing mandates under Law 18/2022 and EU VAT-in-the-Digital-Age reforms further propagate electronic rails. Consequently, SMEs - about 3.4 million firms - are fast-tracking Spain POS terminals market deployments to ensure compliance, spurring demand for cloud suites that auto-generate fiscal receipts and transmit them to tax platforms in real time.

Interchange-Fee Caps Squeezing Acquirer Margins and Subsidies

EU Regulation 2015/751 cut debit and credit interchange to 0.2% and 0.3% respectively, enacted locally via Royal Decree 150/2020. The reduced economics have curtailed free-terminal campaigns, pushing acquisition costs onto merchants. Low-ticket venues such as quick-service restaurants struggle to absorb higher rental fees, slowing Spain POS terminals market penetration in some rural pockets. Smaller acquirers lacking scale are withdrawing from unprofitable niches or consolidating, although SoftPOS is abating the hardware burden by enabling bring-your-own-device acceptance.

Other drivers and restraints analyzed in the detailed report include:

1. Tourist Spending Rebound Boosting POS Volumes in Coastal Regions
2. SME Adoption of Integrated Cloud POS for Omnichannel Commerce
3. Fragmented SME Digital Literacy Hindering Advanced POS Uptake

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

Segment Analysis

Contactless channels represented 70.32% of value in 2025, while they are growing at an 8.13% CAGR, gradually displacing chip-and-PIN. Contact-based terminals still serve high-value or offline-risk environments, but Banco de Espana indicates 93.7% of card operations were tap-to-pay by late 2024, underscoring consumer preference. The Spain POS terminals market size for contactless flows is widening as PSD2 low-value exemptions maintain frictionless taps and Bizum wallet integration offers domestic instant-payment alternatives.

Bizum's addition to BBVA's POS fleet in March 2025 merges wallet transfers with card workflows, cutting costs for small tickets. Ingenico and BBVA SoftPOS apps convert Android phones into terminals, boosting penetration in gig-economy services. The Spain POS terminals industry therefore sees dual-interface devices becoming minimum specs, ensuring continued but shrinking relevance for contact-based acceptance.

Fixed lanes retained 53.42% share in 2025, yet portable systems rose 8.67% annually as eateries adopted tableside payments and festivals favored pop-up stalls. Barcelona's TMB bus network and Balearic transport validators exemplify how transit deployments lean on mobile readers. Madrid Metro's EUR 5.9 million upgrade across 302 stations further illustrates the capital intensity of fixed infrastructure.

SoftPOS is blurring lines between hardware categories. Ingenico estimated 350,000 Android-based devices live in Spain by January 2023, forecasting smartphones could handle 25% of acceptance within a few years. BBVA's NFC app needs only Android 11, enabling same-day onboarding. High-volume grocery chains still rely on tethered scanners and cash drawers, but flexible mobility is redefining the customer journey across the Spain POS terminals 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 Component
  • Hardware
  • Software
  • Services
• By Deployment Mode
  • Cloud-based
  • On-Premise
• By End-User Industry
  • Retail
  • Hospitality
  • Healthcare
  • Transportation and Logistics
  • Other End-User Industries

List of Companies Covered in this Report:

1. Worldline SA
2. Ingenico Group SAS
3. NEC Iberica, S.L.
4. NCR Corporation
5. PayPal Holdings, Inc. (Zettle)
6. VeriFone, Inc.
7. SumUp Payments Limited
8. PAX Technology Limited
9. Squareup International Ltd (Block, Inc.)
10. BBVA POS Espana (Banco Bilbao Vizcaya Argentaria, S.A.)
11. Redsys Servicios de Procesamiento, S.L.
12. Adyen N.V.
13. Fiserv, Inc. (Clover)
14. Shopify Inc.
15. MONEI Payments S.L.
16. CaixaBank Payments and Consumer E.F.C., S.A.
17. Nexi S.p.A.
18. Revel Systems, Inc.
19. Lightspeed Commerce Inc.
20. Asseco South Eastern Europe S.A.
21. Nuvei Corporation

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 Issuance Driven by Spanish Banks
  • 4.2.2 Government Cash-Transaction Limits and Fiscal Digitalization Law
  • 4.2.3 Tourist Spending Rebound Boosting POS Volumes in Coastal Regions
  • 4.2.4 SME Adoption of Integrated Cloud POS for Omnichannel Commerce
  • 4.2.5 Instant Payments Integration via Bizum and SoftPOS Enablement
  • 4.2.6 Digital Euro Readiness Accelerating Early Terminal Upgrades
• 4.3 Market Restraints
  • 4.3.1 Interchange-Fee Caps Squeezing Acquirer Margins and Subsidies
  • 4.3.2 Fragmented SME Digital Literacy Hindering Advanced POS Uptake
  • 4.3.3 GDPR-Related Compliance Costs for Cloud POS Vendors
  • 4.3.4 Dependence on Imported Chipsets Amid Geopolitical Supply Risks
• 4.4 Value Chain Analysis
• 4.5 Regulatory Landscape (PSD2, cash-limitation law, fiscal printers)
• 4.6 Technological Outlook (NFC, SoftPOS, Android-based terminals)
• 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 Intensity of Competitive Rivalry
• 4.8 Market Estimates of Number of POS Terminals (2017-2027)
• 4.9 Market Estimates of Number of Payments per POS Terminal (2017-2027)
• 4.10 Market Estimates of Value of Payments per POS Terminal (2017-2027)
• 4.11 Commentary on Rising Use of Contactless Payment and its Impact
• 4.12 Analysis of Major Case Studies
• 4.13 Investment Analysis
• 4.14 Assessment of Macro Economic Trends on the Market

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 Component
  • 5.3.1 Hardware
  • 5.3.2 Software
  • 5.3.3 Services
• 5.4 By Deployment Mode
  • 5.4.1 Cloud-based
  • 5.4.2 On-Premise
• 5.5 By End-User Industry
  • 5.5.1 Retail
  • 5.5.2 Hospitality
  • 5.5.3 Healthcare
  • 5.5.4 Transportation and Logistics
  • 5.5.5 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 Worldline SA
  • 6.4.2 Ingenico Group SAS
  • 6.4.3 NEC Iberica, S.L.
  • 6.4.4 NCR Corporation
  • 6.4.5 PayPal Holdings, Inc. (Zettle)
  • 6.4.6 VeriFone, Inc.
  • 6.4.7 SumUp Payments Limited
  • 6.4.8 PAX Technology Limited
  • 6.4.9 Squareup International Ltd (Block, Inc.)
  • 6.4.10 BBVA POS Espana (Banco Bilbao Vizcaya Argentaria, S.A.)
  • 6.4.11 Redsys Servicios de Procesamiento, S.L.
  • 6.4.12 Adyen N.V.
  • 6.4.13 Fiserv, Inc. (Clover)
  • 6.4.14 Shopify Inc.
  • 6.4.15 MONEI Payments S.L.
  • 6.4.16 CaixaBank Payments and Consumer E.F.C., S.A.
  • 6.4.17 Nexi S.p.A.
  • 6.4.18 Revel Systems, Inc.
  • 6.4.19 Lightspeed Commerce Inc.
  • 6.4.20 Asseco South Eastern Europe S.A.
  • 6.4.21 Nuvei Corporation

7 MARKET OPPORTUNITIES AND FUTURE OUTLOOK

• 7.1 White-Space and Unmet-Need Assessment