B2C支付市場規模、佔有率和成長分析（按支付方式、經營模式、最終用戶產業、技術和地區分類）－2026-2033年產業預測

全球 B2C 支付市場規模預計到 2024 年將達到 116.4 億美元，到 2025 年將達到 127.8 億美元，到 2033 年將達到 270 億美元，預測期（2026-2033 年）的複合年成長率為 9.8%。

全球B2C支付市場正經歷顯著成長，這主要得益於電子商務活動的蓬勃發展和行動錢包的日益普及。支付系統的技術進步和網路存取的不斷擴大，推動著世界向無現金交易邁進，這一趨勢尤為顯著。此外，政府支持數位支付的政策以及跨境網路購物的顯著成長也是推動該行業擴張的關鍵因素。這些因素共同推動了B2C支付領域的強勁發展勢頭，凸顯了支付解決方案向無縫高效轉型，以滿足不斷變化的消費者偏好。隨著市場的持續發展，金融科技領域湧現許多創新和成長機會。

全球B2C支付市場促進因素

全球B2C支付市場的主要驅動力是數位支付的日益普及，而這又得益於技術進步和智慧型手機的普及。隨著消費者越來越重視交易的便利性和速度，企業面臨著提供多種數位支付選項的壓力，包括行動錢包、非接觸式支付和網路銀行解決方案。這種轉變的促進因素包括消費者對無縫購物體驗日益成長的需求、安全措施的加強以及電子商務平台的興起。因此，企業和消費者都在積極採用創新的支付解決方案，從而深刻地改變全球的交易方式。

全球B2C支付市場面臨的限制因素

全球B2C支付市場的主要限制因素之一是安全問題和詐欺行為的普遍存在。隨著數位交易的成長，駭客攻擊、身分盜竊和資料外洩等威脅也隨之增加，這可能會削弱消費者對線上支付系統的信任。企業在確保強力的安全措施方面面臨挑戰，而監管要求也可能使合規工作更加複雜。對詐欺造成的經濟損失的擔憂可能會阻礙消費者全面接受B2C支付解決方案。此外，服務供應商之間網路安全通訊協定執行的不一致也可能導致安全漏洞，進一步阻礙全球電子支付方式的成長和普及。

全球B2C支付市場趨勢

隨著非接觸式和行動支付解決方案的快速普及，全球B2C支付市場正經歷一場變革浪潮。消費者的偏好正在轉變，數位錢包、支援NFC功能的銀行卡和基於應用程式的交易方式正逐漸成為主流支付方式，超越了傳統的現金和銀行卡系統。這一趨勢的驅動力在於消費者對便利性和更佳用戶體驗日益成長的需求，促使零售商和服務供應商擴大行動支付選項的接受範圍。隨著行動支付基礎設施的日益完善和普及，這項變革將重塑各行各業的消費者購買行為和互動。

目錄

介紹

• 調查目標
• 調查範圍
• 定義

調查方法

• 資訊收集
• 二手資料和一手資料方法
• 市場規模預測
• 市場假設與限制

執行摘要

• 全球市場展望
• 供需趨勢分析
• 細分市場機會分析

市場動態與展望

• 市場規模
• 市場動態
  • 促進因素和機遇
  • 限制與挑戰
• 波特分析

關鍵市場考察

• 關鍵成功因素
• 競爭程度
• 關鍵投資機會
• 市場生態系統
• 市場吸引力指數（2025）
• PESTEL 分析
• 總體經濟指標
• 價值鏈分析
• 定價分析

全球B2C支付市場規模（以支付方式分類）及複合年成長率（2026-2033年）

• 卡片
• 銀行轉帳
• 行動支付
• 數位錢包
• 貨到付款

全球B2C支付市場規模（依經營模式及複合年成長率分類）（2026-2033年）

• 收購會員商店
• 付款閘道
• 支付處理
• 支付便利
• 銷售點（POS）系統

全球B2C支付市場規模（依終端用戶產業分類）及複合年成長率（2026-2033年）

• 零售
• 電子商務
• 旅遊與飯店
• 媒體與娛樂
• 衛生保健
• 教育

全球B2C支付市場規模（依技術及複合年成長率分類）（2026-2033年）

• 區塊鏈
• 人工智慧（AI）
• 雲端運算
• 生物識別
• 物聯網 (IoT)

全球B2C支付市場規模及複合年成長率（2026-2033年）

• 北美洲
  • 美國
  • 加拿大
• 歐洲
  • 德國
  • 西班牙
  • 法國
  • 英國
  • 義大利
  • 其他歐洲地區
• 亞太地區
  • 中國
  • 印度
  • 日本
  • 韓國
  • 亞太其他地區
• 拉丁美洲
  • 巴西
  • 其他拉丁美洲地區
• 中東和非洲
  • 海灣合作理事會國家
  • 南非
  • 其他中東和非洲地區

競爭資訊

• 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）
• 主要企業公司簡介
  • 公司詳情
  • 產品系列分析
  • 依業務板塊進行公司股票分析
  • 2023-2025年營收年比比較

主要企業簡介

• Visa Inc.（United States）
• Mastercard Inc.（United States）
• PayPal Holdings Inc.（United States）
• Stripe, Inc.（United States）
• Adyen NV（Netherlands）
• Block, Inc.（United States）
• American Express Company（United States）
• Fiserv, Inc.（United States）
• Fidelity National Information Services（FIS）（United States）
• Google Pay（United States）
• Apple Pay（United States）
• Alipay（China）
• Checkout.com（United Kingdom）
• Paytm（India）
• PhonePe（India）
• Klarna Bank AB（Sweden）
• Wise（United Kingdom）
• Global Payments Inc.（United States）
• Nexi SpA（Italy）
• Worldline SA（France）

結論與建議

Global B2C Payment Market size was valued at USD 11.64 Billion in 2024 and is poised to grow from USD 12.78 Billion in 2025 to USD 27 Billion by 2033, growing at a CAGR of 9.8% during the forecast period (2026-2033).

The global B2C payment market is experiencing significant growth, driven by the surge in e-commerce activities and the increasing popularity of mobile wallets. The transition to cashless transactions worldwide is a prominent trend, supported by technological advancements in payment systems and greater internet accessibility. Additionally, supportive government initiatives promoting digital payments and a notable rise in cross-border online shopping are key factors fueling this industry's expansion. These elements combined demonstrate a robust momentum in the B2C payment landscape, highlighting the shift towards seamless and efficient payment solutions that cater to evolving consumer preferences. As this market continues to evolve, it presents numerous opportunities for innovation and growth in the financial technology sector.

Top-down and bottom-up approaches were used to estimate and validate the size of the Global B2C 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 B2C Payment Market Segments Analysis

Global B2C Payment Market is segmented by Payment Method, Business Model, End User Vertical, Technology and region. Based on Payment Method, the market is segmented into Cards, Bank Transfers, Mobile Payments, Digital Wallets and Cash-on-Delivery. Based on Business Model, the market is segmented into Merchant-Acquiring, Payment Gateway, Payment Processing, Payment Facilitation and Point-of-Sale (POS) Systems. Based on End User Vertical, the market is segmented into Retail, E-commerce, Travel and Hospitality, Media and Entertainment, Healthcare and Education. Based on Technology, the market is segmented into Blockchain, Artificial Intelligence (AI), Cloud Computing, Biometrics and Internet of Things (IoT). Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Global B2C Payment Market

A key market driver for the global B2C payment market is the increasing adoption of digital payments facilitated by advancements in technology and the proliferation of smartphones. As consumers increasingly favor convenience and speed in their transactions, businesses are compelled to offer diverse digital payment options, including mobile wallets, contactless payments, and online banking solutions. This shift is fueled by the growing demand for seamless shopping experiences, enhanced security measures, and the rise of e-commerce platforms. As a result, both businesses and consumers are embracing innovative payment solutions, leading to a robust transformation in how transactions are conducted worldwide.

Restraints in the Global B2C Payment Market

One key market restraint for the global B2C payment market is the prevalence of security concerns and fraud. As digital transactions increase, so do the threats associated with hacking, identity theft, and data breaches, which can undermine consumer trust in online payment systems. Businesses face challenges in ensuring robust security measures, and regulatory requirements can complicate compliance efforts. The fear of financial loss from fraudulent activities may deter consumers from fully embracing B2C payment solutions. Additionally, inconsistent adoption of cybersecurity protocols among service providers can lead to vulnerabilities, further hindering the growth and acceptance of electronic payment methods globally.

Market Trends of the Global B2C Payment Market

The Global B2C Payment market is witnessing a transformative shift with the rapid adoption of contactless and mobile payment solutions. Consumer preferences are evolving, placing digital wallets, NFC-enabled cards, and app-based transactions at the forefront of payment methods, surpassing traditional cash and card systems. This trend is driven by an increasing demand for convenience and enhanced user experience, prompting retailers and service providers to expand their acceptance of mobile payment options. As the infrastructure for mobile payments becomes more robust and widely available, this evolution is set to redefine consumer interactions and behaviors in purchasing across various sectors.

Table of Contents

Introduction

• Objectives of the Study
• Scope of the Report
• Definitions

Research Methodology

• Information Procurement
• Secondary & Primary Data Methods
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Global Market Outlook
• Supply & Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Overview
• Market Size
• Market Dynamics
  • Drivers & Opportunities
  • Restraints & Challenges
• Porters Analysis
  • 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
• Market Ecosystem
• Market Attractiveness Index, 2025
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Pricing Analysis

Global B2C Payment Market Size by Payment Method & CAGR (2026-2033)

• Market Overview
• Cards
• Bank Transfers
• Mobile Payments
• Digital Wallets
• Cash-on-Delivery

Global B2C Payment Market Size by Business Model & CAGR (2026-2033)

• Market Overview
• Merchant-Acquiring
• Payment Gateway
• Payment Processing
• Payment Facilitation
• Point-of-Sale (POS) Systems

Global B2C Payment Market Size by End User Vertical & CAGR (2026-2033)

• Market Overview
• Retail
• E-commerce
• Travel and Hospitality
• Media and Entertainment
• Healthcare
• Education

Global B2C Payment Market Size by Technology & CAGR (2026-2033)

• Market Overview
• Blockchain
• Artificial Intelligence (AI)
• Cloud Computing
• Biometrics
• Internet of Things (IoT)

Global B2C Payment Market Size & CAGR (2026-2033)

• North America (Payment Method, Business Model, End User Vertical, Technology)
  • US
  • Canada
• Europe (Payment Method, Business Model, End User Vertical, Technology)
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific (Payment Method, Business Model, End User Vertical, Technology)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America (Payment Method, Business Model, End User Vertical, Technology)
  • Brazil
  • Rest of Latin America
• Middle East & Africa (Payment Method, Business Model, End User Vertical, Technology)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Intelligence

• 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
• Company Profiles of All Key Players
  • Company Details
  • Product Portfolio Analysis
  • Company's Segmental Share Analysis
  • Revenue Y-O-Y Comparison (2023-2025)

Key Company Profiles

• Visa Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Mastercard Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• PayPal Holdings Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Stripe, Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Adyen N.V. (Netherlands)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Block, Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• American Express Company (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Fiserv, Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Fidelity National Information Services (FIS) (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Google Pay (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Apple Pay (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Alipay (China)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Checkout.com (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Paytm (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• PhonePe (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Klarna Bank AB (Sweden)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Wise (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Global Payments Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Nexi S.p.A. (Italy)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Worldline SA (France)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations