美國NFC支付市場評估：依設備類型、支付類型、最終用戶、地區、機會和預測（2018-2032）

預計2025年至2032年，美國NFC支付市場將以11.04%的複合年增長率成長，從2024年的66.4億美元成長到2032年的153.4億美元。美國NFC支付市場正快速擴張，這主要得益於智慧型手機使用量的增加、行動錢包的普及以及對安全非接觸式交易需求的成長。

受消費者對快速、安全、便利的數位支付解決方案的需求驅動，美國NFC（近場通訊）支付市場正經歷顯著成長。消費者正在利用NFC技術，透過智慧型手機、智慧手錶和支援NFC功能的銀行卡在支援NFC的裝置上進行非接觸式支付。由於其易用性，這項技術已在零售、交通、餐飲和娛樂等行業中廣泛使用。蘋果支付、谷歌支付​​和三星支付的日益普及推動了非接觸式支付的發展，這主要得益於消費者對數位支付方式的偏好以及智慧型手機在市場上的高滲透率。

NFC支付基礎設施的擴展得到了許多企業的大力支持，這些企業正在升級其銷售點（POS）系統以支援NFC支付。各大金融機構和支付服務提供者正積極推廣NFC技術，將其作為金融卡和信用卡的重要功能。儘管資料安全問題以及中小企業在採用NFC技術方面仍面臨挑戰，但市場前景仍然非常樂觀。隨著科技的不斷發展和消費者認知的不斷提高，美國NFC支付市場將保持強勁成長，並引領美國邁向無現金數位經濟。

例如，NFC論壇於2025年6月發布了第15版，將NFC的有效距離從0.5厘米擴展到2厘米，提高了輕觸支付和非接觸式支付應用的速度和可靠性。新版本還增加了對NFC數位產品護照的支持，增強了產品生命週期追蹤功能。 2025 年 10 月，在包括蘋果和谷歌在內的主要生態系統合作夥伴的支持下，認證版本 15 (CR15) 發布，開放了對符合標準的設備的公開認證。這將加速NFC在支付、穿戴式裝置和物聯網應用中的功能演進。

目錄

第一章：專案範圍與定義

第二章：研究方法

第三章：摘要整理

第四章：客戶之聲

• 受訪者人口統計資料
• 品牌認知度
• 支付方式採用的考量因素
• 首選支付管道

第五章 美國NFC支付市場展望（2018-2032）

• 市場規模分析與預測
  • 以價值計算
• 市佔率分析與預測
  • 依設備
    • 智慧型手機
    • 智慧型手錶
    • 支援 NFC 的卡片
    • 其他
  • 依支付類型劃分
    • 個人對企業 (P2M)
    • 個人對個人 (P2P)
  • 依使用者劃分的端對端支付
    • 零售
    • 交通運輸
    • 飯店餐飲
    • 醫療保健
    • 其他
  • 依地區劃分
    • 東北
    • 西南
    • 西部
    • 東南
    • 中西部
  • 依公司劃分的市佔率分析
• 2024 年市場地圖分析
  • 依裝置類型劃分
  • 依支付類型劃分
  • 依最終用戶劃分
  • 依區域

第六章 供需分析

第七章：價值鏈分析

第八章：波特五力分析

第九章：PESTLE分析

第十章：市場動態

• 市場驅動因素
• 市場挑戰

第十一章：市場趨勢與發展

第十二章：政策與監理環境

第十三章：個案研究

第十四章：競爭格局

• 前五大競爭矩陣 前五名競爭矩陣SWOT 分析 十大主要參與者
  • 蘋果公司
    • 公司詳情
    • 關鍵管理人員
    • 產品與服務
    • 財務資訊（已公佈）
    • 主要市場趨勢與地理擴張
    • 近期發展/聯盟/合作/併購
  • Google有限責任公司
  • 三星電子有限公司（三星支付）
  • 佳明國際公司
  • 維薩公司
  • 萬事達卡公司
  • 第一資本金融公司
  • 美國運通公司
  • 摩根大通公司
  • Boku公司

以上列出的公司排名並非基於市場佔有率，並且可能會根據研究過程中獲得的資訊而有所變動。

第十五章：策略建議

第十六章：研究公司資訊及免責聲明

United States NFC payments market is projected to witness a CAGR of 11.04% during the forecast period 2025-2032, growing from USD 6.64 billion in 2024 to USD 15.34 billion in 2032. The United States NFC payments market is rapidly expanding, fueled by growing smartphone usage, mobile wallet adoption, and rising demand for secure, contactless transactions.

The United States NFC (Near Field Communication) payments market experiences strong expansion because consumers want quick, secure and smooth digital payment solutions. Consumers use NFC technology to make contactless payments through smartphones and smartwatches and NFC-enabled cards at terminals that support this technology. Technology has gained broad acceptance among the retail transportation and food services, and entertainment sectors due to its uncomplicated operation. The growing use of Apple Pay, along with Google Pay and Samsung Pay, promotes contactless payments because consumers want digital payment options, and smartphones remain prevalent in the market.

The expansion of NFC payment infrastructure receives strong support from businesses, which upgrade their point-of-sale systems to accept NFC payments. Major financial institutions, together with payment service providers, actively push NFC technology as an essential feature for both debit and credit cards. Data security concerns and small business adoption problems continue to exist, yet the market maintains very positive projections. The U.S. NFC payments market will keep strong growth momentum because of ongoing technological developments and rising consumer understanding, which will help drive the nation toward a cashless digital economy.

For instance, in June 2025, the NFC Forum announced Release 15, which extends NFC functionality to work within 2 cm distance instead of 0.5 cm, enabling improved speed and reliability for tap-to-pay and contactless applications. The new release incorporates support for the NFC Digital Product Passport, which strengthens product lifecycle tracking abilities. Public certification for compliant devices began in October 2025 with the launch of Certification Release 15 (CR15), supported by Apple, Google, and other major ecosystem partners to advance NFC functionality across payments, wearables, and IoT applications.

Widespread Adoption of Mobile Wallets and NFC-Enabled Devices Propel Market Growth

Mobile wallet usage and NFC device adoption serve as primary factors which drive the expansion of the U.S. NFC payments market. Smartphones have achieved widespread popularity, which has led to the universal adoption of NFC technology for contactless secure payments. The technology behind Apple Pay, together with Google Pay and Samsung Pay, uses NFC to provide users with quick and easy payment methods, which involve tapping their devices at retail terminals. The rising convenience of digital wallets has transformed consumer preferences toward using them rather than carrying traditional cards or cash. NFC technology now exists in smartphones and wearables, including smartwatches and fitness tracking devices, thus broadening its application points. Mobile wallets have established themselves as a commonly used payment method in the United States because their user-friendly design meets the merchant adoption of contactless payment methods.

For instance, in April 2025, Visa reported a 200% surge in Tap to Phone usage, enabling small businesses to accept contactless payments using just an NFC-enabled smartphone. Nearly 30% of new users are small businesses, which demonstrates how this technology provides easier digital payment access and increases cashless economy involvement.

High Smartphone and Internet Penetration Drive the Market Forward

The widespread use of smartphones and internet connectivity in the United States serves as a fundamental factor that supports NFC payment technology adoption. In 2024, more than 85 per cent of United States residents possess smartphones which provide them with reliable access to fast internet connections through 4G, 5G and Wi-Fi networks. The strong digital infrastructure enables consumers to operate Apple Pay, Google Pay and Samsung Pay NFC-based mobile wallets easily and reliably.

NFC functionality exists in most modern smartphones, which allows users to perform tap-to-pay transactions without using physical cards. The quick payment solution appeals most to customers who live in cities because they perform multiple fast purchases at stores and coffee shops, and public transit points. Wearable technology, including smartwatches and fitness bands, enables users to make payments without using their hands through NFC functionality.

For example, in August 2024, Apple revealed that iOS 18.1 enables third-party apps to perform advanced NFC contactless transactions. Through this shift, Apple taps into the US smartphone and internet market penetration to provide millions of iPhone users with new contactless payment and digital service options through their devices.

Smartphone Dominates the United States NFC Payments Market

The United States NFC payments market will experience fast growth because of the powerful smartphone segment. Consumer adoption of mobile contactless payments continues to grow because most users own devices that include NFC technology, and they choose convenience and speed and security benefits. Through Apple Pay, Google Pay, and Samsung Pay, users can execute smooth payments inside different retail facilities and service locations. The smartphone device serves as both a payment method for consumers and a platform for merchants to receive contactless payments. The dual-purpose nature of smartphones as payment tools and receiving devices establishes them as the most adaptable and reachable devices within the NFC system. The increasing demand for digital touch-free transactions will cause smartphones to lead the adoption curve, which will bring widespread NFC payment integration to retail establishments and other locations.

For instance, in January 2025, Mastercard Incorporated introduced its Tap-on-Phone system to U.S. businesses, allowing merchants to process NFC payments through contactless cards and mobile wallets using NFC-enabled smartphones without extra hardware. The solution enables small and micro-merchants to provide secure contactless payments at a low cost through EMV-level security and tokenization protection. The program aims to enhance NFC acceptance, availability and scalability across American retail establishments.

Key Players Landscape and Outlook

Multiple organizations within the United States NFC payments market establish various components of the payment system, which begin with consumer devices and end with backend transaction infrastructures. Mobile platforms and digital wallets receive continuous improvement from technology firms, which implement tap-to-pay functionality, while global payment networks work to enhance transaction security through tokenization and encryption and biometric authentication methods. Financial institutions work to speed up their contactless card issuance and mobile banking development that connects to NFC payment systems. The wearable device market has introduced NFC functionality to fitness trackers and smartwatches so users can perform transactions while moving about. Payment providers who focus on innovation now offer Tap-on-Phone solutions, which help small and micro-businesses accept NFC payments. The U.S. market will gain advantages from its high smartphone adoption rates, together with growing user preferences for contactless payments and ongoing infrastructure development investments. The growth of digital payment practices will lead essential stakeholders to concentrate on interoperability solutions and user experience improvements, and access expansion to maintain NFC adoption and market growth.

For instance, in May 2025, Samsung Electronics Co., Ltd. launched a "Tap to Transfer" feature in Samsung Wallet for US users, enabling instant money transfers via NFC by simply tapping devices. This innovation allows users to send funds directly to bank accounts or debit cards without third-party apps, streamlining peer-to-peer payments and expanding NFC's everyday use.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customer

• 4.1. Respondent Demographics
• 4.2. Brand Awareness
• 4.3. Factors Considered in Payment Method Adoption
• 4.4. Preferred Payment Channels

5. United States NFC Payments Market Outlook, 2018-2032F

• 5.1. Market Size Analysis & Forecast
  • 5.1.1. By Value
• 5.2. Market Share Analysis & Forecast
  • 5.2.1. By Device Type
    • 5.2.1.1. Smartphones
    • 5.2.1.2. Smartwatches
    • 5.2.1.3. NFC-enabled Cards
    • 5.2.1.4. Others
  • 5.2.2. By Payment Type
    • 5.2.2.1. Person-to-Merchant (P2M)
    • 5.2.2.2. Person-to-Person (P2P)
  • 5.2.3. By End-user
    • 5.2.3.1. Retail
    • 5.2.3.2. Transportation
    • 5.2.3.3. Hospitality
    • 5.2.3.4. Healthcare
    • 5.2.3.5. Others
  • 5.2.4. By Region
    • 5.2.4.1. Northeast
    • 5.2.4.2. Southwest
    • 5.2.4.3. West
    • 5.2.4.4. Southeast
    • 5.2.4.5. Midwest
  • 5.2.5. By Company Market Share Analysis (Top 5 Companies and Others - By Value, 2024)
• 5.3. Market Map Analysis, 2024
  • 5.3.1. By Device Type
  • 5.3.2. By Payment Type
  • 5.3.3. By End-user
  • 5.3.4. By Region

6. Demand Supply Analysis

7. Value Chain Analysis

8. Porter's Five Forces Analysis

9. PESTLE Analysis

10. Market Dynamics

• 10.1. Market Drivers
• 10.2. Market Challenges

11. Market Trends and Developments

12. Policy and Regulatory Landscape

13. Case Studies

14. Competitive Landscape

• 14.1. Competition Matrix of Top 5 Market Leaders
• 14.2. SWOT Analysis for Top 5 Players
• 14.3. Key Players Landscape for Top 10 Market Players
  • 14.3.1. Apple Inc.
    • 14.3.1.1. Company Details
    • 14.3.1.2. Key Management Personnel
    • 14.3.1.3. Products and Services
    • 14.3.1.4. Financials (As Reported)
    • 14.3.1.5. Key Market Focus and Geographical Presence
    • 14.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
  • 14.3.2. Google LLC
  • 14.3.3. Samsung Electronics Co. Ltd. (Samsung Pay)
  • 14.3.4. Garmin International, Inc.
  • 14.3.5. Visa Inc.
  • 14.3.6. Mastercard Incorporated
  • 14.3.7. Capital One Financial Corporation
  • 14.3.8. American Express Company
  • 14.3.9. JPMorgan Chase & Co.
  • 14.3.10. Boku Inc.

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

15. Strategic Recommendations

16. About Us and Disclaimer

List of Tables

• Table 1. Competition Matrix of Top 5 Market Leaders
• Table 2. Mergers & Acquisitions/ Joint Ventures (If Applicable)
• Table 3. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

• Figure 1. United States NFC Payments Market, By Value, In USD Billion, 2018-2032F
• Figure 2. United States NFC Payments Market Share (%), By Device Type, 2018-2032F
• Figure 3. United States NFC Payments Market Share (%), By Payment Type, 2018-2032F
• Figure 4. United States NFC Payments Market Share (%), By End-user, 2018-2032F
• Figure 5. United States NFC Payments Market Share (%), By Region, 2018-2032F
• Figure 6. By Device Type Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 7. By Payment Type Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 8. By End-user Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 9. By Region Map-Market Size (USD Billion) & Growth Rate (%), 2024