電子帳單帳單展示和支付市場規模、佔有率和成長分析（按產品、部署模式、企業規模、通路、支付管道、應用和地區分類）－2026-2033年產業預測

全球電子帳單展示和支付 (EBPP) 市場規模預計在 2024 年達到 279.1 億美元，從 2025 年的 307.8 億美元成長到 2033 年的 674.3 億美元，在預測期（2026-2033 年）內複合年成長率為 10.3%。

全球電子帳單帳單展示與支付 (EBPP) 市場正經歷著向數位化交易方式的重大轉變，使企業能夠以電子方式傳輸發票，同時實現客戶透過網路無縫支付。 EBPP 廣泛應用於電訊、金融服務和公共產業產業，包含多種模式，特別是直接模式和聚合模式，旨在提升使用者體驗。推動該市場發展的因素包括消費者對電子帳單系統的認知度不斷提高、對交易透明度的日益重視以及對便捷高效支付流程的需求。隨著企業和消費者越來越重視節省時間的數位化解決方案，EBPP 市場持續擴張，凸顯了採用能夠滿足不斷變化的客戶期望的現代化計費方式的重要性。

全球電子帳單與支付市場促進因素

各機構日益普及電子帳單帳單支付解決方案，顯著提升了客戶在費用管理方面的體驗，同時也促進了人力資源管理的效率提升，從而降低了營運成本，提高了盈利。預計這一趨勢將推動全球電子帳單帳單展示和支付市場的擴張。透過採用這些先進的支付解決方案，企業可以提高效率和效益，進而對其獲利產生正面影響。向數位化支付方式的轉變反映了市場更廣泛的趨勢，即各機構都在尋求最佳化財務交易並提升其整體客戶服務水準。

全球電子帳單和支付市場面臨的限制因素

傳統的帳單支付方式以及金融機構合作的不足，對全球電子帳單開立和支付市場的成長構成了挑戰。在許多發展中地區，消費者傾向於選擇支票和紙本發票，因為他們更喜歡紙本收據，這反映出他們對第三方平台缺乏信任。對紙本文件的依賴會阻礙向電子解決方案的過渡，因為人們更重視安全性和熟悉感，而不是數位化替代方案。因此，對電子帳單方式的抵觸情緒可能會限制這些市場中創新支付技術的整體擴展和普及。

電子帳單和支付市場的全球趨勢

隨著企業加速從傳統的紙本系統轉型為數位解決方案，全球電子帳單和支付市場正經歷一場意義深遠的變革時期。這一趨勢表明，行動發票和支付方式越來越受到青睞，為企業和消費者都帶來了便利和效率。透過利用數位平台以文字訊息和電子郵件的形式發送發票和付款提醒，企業正在改善用戶體驗並簡化營運流程。隨著消費者對更便利、更靈活的支付方式的需求不斷成長，電子帳單系統的採用率持續攀升，這預示著金融領域正變革時期。這場變革正在重塑我們與客戶的互動方式，並推動產業發展。

目錄

介紹

• 調查目標
• 市場定義和範圍

調查方法

• 調查過程
• 二手資料和一手資料方法
• 市場規模估算方法
• 市場假設與限制

執行摘要

• 全球市場展望
• 市場主要亮點
• 細分市場概覽
• 競爭格局概述

市場動態與展望

• 總體經濟指標
• 促進因素和機遇
• 限制與挑戰
• 供給面趨勢
• 需求面趨勢
• 波特的分析和影響

關鍵市場考察

• 關鍵成功因素
• 競爭程度
• 關鍵投資機會
• 生態系測繪
• 市場吸引力指數（2025）
• PESTEL 分析
• 總體經濟指標
• 價值鏈分析
• 技術進步
• 監管環境

全球電子帳單展示與支付市場規模（按產品分類）（2019-2032 年）

• 電子帳單帳單顯示
• 電子帳單帳單支付
• 電子帳單登記

全球電子帳單帳單展示與支付市場規模（按採用模式分類）（2019-2032 年）

• 基於雲端的解決方案
• 本地部署解決方案

全球電子帳單展示與支付市場規模（按公司規模分類）（2019-2032 年）

• 中小企業
• 主要企業

全球電子帳單帳單展示與支付市場規模（按通路分類）（2019-2032 年）

• 應用程式介面（API）
• 行動應用
• 入口網站
• 基於電子郵件的帳單
• 互動式語音應答（IVR）
• 其他

全球電子帳單帳單展示與支付市場規模（按支付管道分類）（2019-2032 年）

• 數位支付管道
  • 簽帳金融卡
  • 信用卡
  • 數位錢包
  • 網路銀行
• 行動支付管道
  • 行動銀行應用程式
  • 基於USSD的支付
• 線下支付管道
  • 商店支付
  • 查看

全球電子帳單帳單展示與支付市場規模（按應用領域分類）（2019-2032 年）

• 發票開立人
• 消費者
• 發票合併器
• 銀行和金融機構

全球電子帳單帳單展示與支付市場規模（按最終用戶產業分類）（2019-2032 年）

• 銀行、金融服務和保險業 (BFSI)
• 衛生保健
• 資訊科技/通訊
• 零售與電子商務
• 教育
• 媒體與娛樂
• 製造業
• 政府/公共部門
• 其他

全球電子帳單展示與支付市場規模（2019-2032 年）

• 北美（按產品、部署模式、公司規模、通路、支付管道、應用和最終用戶產業分類）
  • 美國
  • 加拿大
• 歐洲（依產品、部署模式、公司規模、通路、支付管道、應用、最終用戶產業分類）
  • 英國
  • 德國
  • 西班牙
  • 法國
  • 義大利
  • 其他歐洲地區
• 亞太地區（依產品、部署模式、公司規模、通路、支付管道、應用程式和最終用戶產業分類）
  • 中國
  • 印度
  • 日本
  • 韓國
  • 亞太其他地區
• 拉丁美洲（按產品、部署模式、公司規模、通路、支付管道、應用程式和最終用戶產業分類）
  • 巴西
  • 墨西哥
  • 其他拉丁美洲地區
• 中東和非洲（按產品、部署模式、公司規模、通路、支付管道、應用和最終用戶產業分類）
  • 海灣合作理事會國家
  • 南非
  • 其他中東和非洲地區

競爭對手儀錶板

• 前五大公司對比
• 主要企業的市場定位（2025 年）
• 主要市場參與者所採取的策略
• 近期市場趨勢
• 公司市佔率分析（2025 年）

主要企業簡介

• ACI Worldwide

以下公司列表僅供參考。我們為每家公司提供類似資訊，但只有上市公司才能提供詳細的財務數據。

• Fiserv 公司
• 萬事達卡（萬事達卡帳單支付交換）
• 德魯克斯公司
• FIS（富達國民資訊服務）
• PayPal
• Oracle（Oracle Bill Management）
• SAP SE
• CSG系統國際
• 西聯匯款
• 條紋
• Intuit Inc.
• Bill.com
• 支付
• Seel（早期預警服務）
• E-BIX有限公司（E-BIX現金）
• Paysafe集團
• 世界線
• 方舟有限公司（Block有限公司）
• Go Cardless

結論與建議

Global Electronic Bill Presentment and Payment Market size was valued at USD 27.91 Billion in 2024 and is poised to grow from USD 30.78 Billion in 2025 to USD 67.43 Billion by 2033, growing at a CAGR of 10.3% during the forecast period (2026-2033).

The global market for electronic bill presentment and payment (EBPP) showcases a significant shift towards digital transaction methods, enabling companies to send bills electronically while facilitating seamless customer payments via the internet. Commonly utilized across telecommunications, financial services, and utility sectors, EBPP includes various models, notably the direct and aggregator models, to enhance user experiences. Factors bolstering this market include heightened consumer awareness of e-billing systems, a growing emphasis on transaction transparency, and the demand for convenience and efficiency in payment processes. As businesses and consumers increasingly prioritize time-saving digital solutions, the EBPP market continues to expand, underscoring the importance of adopting modern billing practices that cater to evolving customer expectations.

Top-down and bottom-up approaches were used to estimate and validate the size of the Global Electronic Bill Presentment and Payment market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

Global Electronic Bill Presentment and Payment Market Segments Analysis

Global Electronic Bill Presentment and Payment Market is segmented by Product, Deployment Model, Enterprise Size, Channel, Payment Channel, Application, End Use Industries and region. Based on Product, the market is segmented into Electronic Bill Presentment, Electronic Bill Payment and Electronic Bill Posting. Based on Deployment Model, the market is segmented into Cloud-Based Solutions and On-Premises Solutions. Based on Enterprise Size, the market is segmented into Small and Medium Enterprises (SMEs) and Large Enterprises. Based on Channel, the market is segmented into Application Programming Interface (API), Mobile Applications, Web Portals, Email-Based Billing, Interactive Voice Response (IVR) and Others. Based on Payment Channel, the market is segmented into Digital Payment Channels, Mobile Payment Channels and Offline Payment Channels. Based on Application, the market is segmented into Billers, Consumers, Bill Consolidators and Banks & Financial Institutions. Based on End Use Industries, the market is segmented into BFSI (Banking, Financial Services, and Insurance), Healthcare, IT & Telecom, Retail and E-Commerce, Education, Media & Entertainment, Manufacturing, Government and Public Sector and Others. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Global Electronic Bill Presentment and Payment Market

The growing integration of electronic bill payment solutions by various organizations is significantly enhancing customer experience in managing expenses while also streamlining human resource management, leading to reduced operational costs and improved profitability. This trend is anticipated to drive the expansion of the global electronic bill presentment and payment market. By adopting these advanced payment solutions, businesses can achieve greater efficiency and effectiveness, thereby positively impacting their bottom line. The shift towards digital payment methods reflects a broader movement in the market, as organizations seek to optimize financial transactions and enhance overall service delivery for their customers.

Restraints in the Global Electronic Bill Presentment and Payment Market

The traditional method of bill payment, along with limited collaboration from banking institutions, poses a challenge to the growth of the Global Electronic Bill Presentment and Payment market. In numerous developing regions, consumers often opt for cheques and paper bills due to a preference for tangible receipts, reflecting a lack of confidence in third-party platforms. This reliance on physical documentation can impede the transition to electronic solutions, as individuals prioritize security and familiarity over digital alternatives. Consequently, this reluctance to embrace electronic billing methods may restrict the overall expansion and adoption of innovative payment technologies in these markets.

Market Trends of the Global Electronic Bill Presentment and Payment Market

The global electronic bill presentment and payment market is witnessing a significant shift as businesses increasingly transition from traditional paper-based systems to digital solutions. This trend highlights the growing preference for mobile bill presentment and payment methods, which offer convenience and efficiency for both businesses and consumers. By leveraging digital platforms to send bills and payment notifications via text or email, companies enhance user experience and streamline their operations. As consumers seek more accessible and flexible payment options, the adoption of electronic billing systems continues to rise, signaling a transformative phase in the financial landscape. This evolution is reshaping customer interactions and driving industry growth.

Table of Contents

Introduction

• Objectives of the Study
• Market Definition & Scope

Research Methodology

• Research Process
• Secondary & Primary Data Methods
• Market Size Estimation Methods
• Market Assumptions & Limitations

Executive Summary

• Global Market Outlook
• Key Market Highlights
• Segmental Overview
• Competition Overview

Market Dynamics & Outlook

• Macro-Economic Indicators
• Drivers & Opportunities
• Restraints & Challenges
• Supply Side Trends
• Demand Side Trends
• Porters Analysis & Impact
  • Competitive Rivalry
  • Threat of Substitute
  • Bargaining Power of Buyers
  • Threat of New Entrants
  • Bargaining Power of Suppliers

Key Market Insights

• Key Success Factors
• Degree of Competition
• Top Investment Pockets
• Ecosystem Mapping
• Market Attractiveness Index, 2025
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Technology Advancement
• Regulatory Landscape

Global Electronic Bill Presentment and Payment Market Size by Product (2019-2032)

• Market Overview
• Electronic Bill Presentment
• Electronic Bill Payment
• Electronic Bill Posting

Global Electronic Bill Presentment and Payment Market Size by Deployment Model (2019-2032)

• Market Overview
• Cloud-Based Solutions
• On-Premises Solutions

Global Electronic Bill Presentment and Payment Market Size by Enterprise Size (2019-2032)

• Market Overview
• Small and Medium Enterprises (SMEs)
• Large Enterprises

Global Electronic Bill Presentment and Payment Market Size by Channel (2019-2032)

• Market Overview
• Application Programming Interface (API)
• Mobile Applications
• Web Portals
• Email-Based Billing
• Interactive Voice Response (IVR)
• Others

Global Electronic Bill Presentment and Payment Market Size by Payment Channel (2019-2032)

• Market Overview
• Digital Payment Channels
  • Debit Cards
  • Credit Cards
  • Digital Wallets
  • Net Banking
• Mobile Payment Channels
  • Mobile Banking Apps
  • USSD-Based Payments
• Offline Payment Channels
  • Over-the-Counter Payments
  • Cheques

Global Electronic Bill Presentment and Payment Market Size by Application (2019-2032)

• Market Overview
• Billers
• Consumers
• Bill Consolidators
• Banks & Financial Institutions

Global Electronic Bill Presentment and Payment Market Size by End Use Industries (2019-2032)

• Market Overview
• BFSI (Banking, Financial Services, and Insurance)
• Healthcare
• IT & Telecom
• Retail and E-Commerce
• Education
• Media & Entertainment
• Manufacturing
• Government and Public Sector
• Others

Global Electronic Bill Presentment and Payment Market Size (2019-2032)

• North America (By Product, By Deployment Model, By Enterprise Size, By Channel, By Payment Channel, By Application & By End Use Industries)
  • US
  • Canada
• Europe (By Product, By Deployment Model, By Enterprise Size, By Channel, By Payment Channel, By Application & By End Use Industries)
  • UK
  • Germany
  • Spain
  • France
  • Italy
  • Rest of Europe
• Asia-Pacific (By Product, By Deployment Model, By Enterprise Size, By Channel, By Payment Channel, By Application & By End Use Industries)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia Pacific
• Latin America (By Product, By Deployment Model, By Enterprise Size, By Channel, By Payment Channel, By Application & By End Use Industries)
  • Brazil
  • Mexico
  • Rest of Latin America
• Middle East & Africa (By Product, By Deployment Model, By Enterprise Size, By Channel, By Payment Channel, By Application & By End Use Industries)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Dashboard

• Top 5 Player Comparison
• Market Positioning of Key Players, 2025
• Strategies Adopted by Key Market Players
• Recent Developments in the Market
• Company Market Share Analysis, 2025

Key Company Profiles

• ACI Worldwide
  • Company Overview
  • Product Portfolio Overview
  • Financial Overview
  • Key Developments

The following companies are listed for indicative purposes only. Similar information will be provided for each, with detailed financial data available exclusively for publicly listed companies

• Fiserv, Inc.
• Mastercard (Mastercard Bill Pay Exchange)
• Deluxe Corporation
• FIS (Fidelity National Information Services)
• PayPal
• Oracle (Oracle Bill Management)
• SAP SE
• CSG Systems International
• Western Union
• Stripe
• Intuit Inc.
• Bill.com
• Paytm
• Zelle (Early Warning Services)
• Ebix Inc. (EbixCash)
• Paysafe Group
• Worldline
• Square, Inc. (Block, Inc.)
• GoCardless

Conclusion & Analyst Recommendations