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1755868

2032 年 B2B 支付市場預測：按支付類型、支付模式、支付方式、公司規模、最終用戶和地區進行的全球分析

B2B Payments Market Forecasts to 2032 - Global Analysis By Payment Type (Domestic Payments and Cross-Border Payments), Payment Mode, Payment Method, Enterprise Size, End User and By Geography
出版日期: | 出版商: Stratistics Market Research Consulting | 英文 200+ Pages | 商品交期: 2-3個工作天內

價格

根據 Stratistics MRC 的數據，全球 B2B 支付市場預計在 2025 年達到 1,9897 億美元，到 2032 年將達到 4,2362 億美元，預測期內的複合年成長率為 11.4%。

B2B 支付是指企業之間而非企業與個人消費者之間所發生的金融交易。 B2B 支付通常比消費者支付金額更大、流程更複雜、結算週期更長。 B2B 付款可能包括商品和服務發票、供應商付款、薪水支付以及其他企業對企業轉帳。您需要一種安全、可靠且有效率的方式來管理現金流並維持穩固的業務關係。

根據 B2B 支付研究報告（Bottomline，2022 年），49% 的企業將在 2021 年遭遇嚴重欺詐，這將嚴重影響市場成長。

數位轉型與自動化

數位轉型和自動化正在透過提升速度、準確性和安全性，徹底改變B2B支付市場。自動化流程減少了人工錯誤和營運成本，同時縮短了交易時間，並促進了無縫現金流管理。數位化工具能夠即時追蹤支付，提高透明度，增強企業之間的信任。此外，高階分析技術能夠提供切實可行的洞察，幫助企業做出更明智的財務決策。總而言之，這些創新能夠提高效率，降低詐欺風險，打造以客戶為中心的支付生態系統，並推動B2B業務成長。

整合成本高

B2B支付市場高昂的整合成本是一大障礙，尤其對中小企業而言。這些成本阻礙了先進支付系統的採用，並扼殺了效率和創新。高昂的成本還會阻礙平台之間的無縫連接，造成營運瓶頸，從而降低競爭力。最終，這會減緩市場成長，限制企業取得現代金融科技的管道，並阻礙整個B2B支付生態系統的數位轉型。

快速支付需求不斷成長

對更快支付日益成長的需求正在透過加快交易速度和改善企業現金流管理來改變B2B支付市場。這種轉變提高了業務效率，減少了付款延遲，並加強了供應商關係。即時支付提高了透明度和安全性，增強了貿易夥伴的信任。此外，更快的支付解決方案推動了數位化應用，激發了B2B生態系統的創新和競爭力。

舊有系統複雜性

舊有系統的複雜性正在減緩B2B支付市場的現代化進程，並構成重大挑戰。這些過時的系統缺乏靈活性，維修成本成本高昂，並且通常與新的數位支付技術不相容，從而導致整合問題並增加營運風險。結果，企業面臨延遲、成本增加和擴充性受限等問題，阻礙了高效自動化支付解決方案的採用以及整體市場的成長。

COVID-19的影響

新冠疫情顯著加速了B2B支付市場的數位轉型。隨著遠距辦公和保持社交距離的措施的實施，企業已從傳統的紙本和支票支付方式轉向更快捷、非接觸式的數位支付解決方案。這種轉變推動了對自動化、更高安全性和即時支付處理的需求。整體而言，新冠疫情如同催化劑，推動了全球B2B支付生態系中先進技術的創新與應用。

預計數位產業將成為預測期內最大的產業

預計數位領域將在預測期內佔據最大市場佔有率，因為自動化和即時處理簡化了交易流程，減少了錯誤並降低了營運成本。數位平台促進了跨境支付的無縫銜接，提高了全球貿易效率。先進的分析技術可以改善現金流管理和詐欺偵測。總體而言，數位化提高了企業之間的便利性和信任度，加快了支付週期，並促進了更激烈的市場競爭，最終增強了市場成長和競爭力。

預測期內，信用卡市場預計將以最高複合年成長率成長

預計信用卡領域將在預測期內實現最高成長率。信用卡使企業能夠簡化支付流程，改善現金流量管理，獲得信貸便利，並促進更順暢的供應商關係。數位化和獎勵計劃進一步鼓勵使用信用卡並提升其普及率。此外，信用卡支援費用追蹤和對賬，減輕了行政負擔。信用卡有助於提高B2B支付生態系統的效率、透明度和財務靈活性，進而推動市場成長。

比最大的地區

預計亞太地區將在預測期內佔據最大的市場佔有率，因為數位支付解決方案能夠提升透明度、安全性和成本節約，從而促進更牢固的業務關係。金融科技創新的日益普及將加速跨境貿易和中小企業的金融包容性。這種市場成長將有助於區域整合，加強現金流管理，並推動投資，最終使企業能夠更快擴張，促進亞太地區商業格局的數位轉型。

複合年成長率最高的地區

預計北美地區在預測期內的複合年成長率最高。先進的數位支付解決方案和自動化技術加速了現金流，提高了財務透明度，並最大限度地減少了錯誤。這反過來又加強了供應商關係，並提高了各企業的生產力。此外，市場上的技術創新正在促進安全快速的跨境支付，促進區域貿易的成長。這些進步支持了經濟擴張，並鞏固了北美在全球B2B商務領域的領先地位。

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目錄

第1章執行摘要

第2章 前言

  • 概述
  • 相關利益者
  • 研究範圍
  • 調查方法
    • 資料探勘
    • 數據分析
    • 數據檢驗
    • 研究途徑
  • 研究材料
    • 主要研究資料
    • 次級研究資訊來源
    • 先決條件

第3章市場走勢分析

  • 驅動程式
  • 限制因素
  • 機會
  • 威脅
  • 最終用戶分析
  • 新興市場
  • COVID-19的影響

第4章 波特五力分析

  • 供應商的議價能力
  • 買家的議價能力
  • 替代品的威脅
  • 新進入者的威脅
  • 競爭對手之間的競爭

第5章全球B2B 支付市場（按支付類型）

  • 國內支付
  • 跨境支付

第6章全球B2B 支付市場（依支付模式）

  • 傳統的
  • 數位的

第7章全球B2B 支付市場（按支付方式）

  • ACH
  • 電匯
  • 查看
  • 現金
  • 匯票
  • 信用卡

第8章全球B2B 支付市場（依公司規模）

  • 主要企業
  • 中型公司
  • 小型企業

第9章全球B2B 支付市場（依最終用戶分類）

  • 製造業
  • 資訊科技/通訊
  • 金屬與礦業
  • 能源與公共產業
  • 衛生保健
  • 零售與電子商務
  • 運輸/物流
  • BFSI（銀行、金融服務、保險）
  • 其他

第10章全球B2B 支付市場（按地區）

  • 北美洲
    • 美國
    • 加拿大
    • 墨西哥
  • 歐洲
    • 德國
    • 英國
    • 義大利
    • 法國
    • 西班牙
    • 其他歐洲國家
  • 亞太地區
    • 日本
    • 中國
    • 印度
    • 澳洲
    • 紐西蘭
    • 韓國
    • 其他亞太地區
  • 南美洲
    • 阿根廷
    • 巴西
    • 智利
    • 南美洲其他地區
  • 中東和非洲
    • 沙烏地阿拉伯
    • 阿拉伯聯合大公國
    • 卡達
    • 南非
    • 其他中東和非洲地區

第11章 重大進展

  • 協議、夥伴關係、合作和合資企業
  • 收購與合併
  • 新產品發布
  • 業務擴展
  • 其他關鍵策略

第12章 公司概況

  • Stripe
  • PayPal
  • Adyen
  • Fiserv
  • Mastercard
  • Visa
  • American Express
  • JPMorgan Chase
  • Citi
  • SAP Concur
  • Bill.com
  • Coupa
  • AvidXchange
  • Airwallex
  • Veem
  • Tradeshift
  • Bottomline Technologies
  • Flywire
Product Code: SMRC29762

According to Stratistics MRC, the Global B2B Payments Market is accounted for $1,989.7 billion in 2025 and is expected to reach $4,236.2 billion by 2032 growing at a CAGR of 11.4% during the forecast period. B2B payments refer to financial transactions conducted between businesses rather than between a business and individual consumers. These payments typically involve larger sums, more complex processes, and longer payment cycles compared to consumer payments. B2B payments can include invoices for goods or services, supplier payments, payroll, and other intercompany transfers. They often require secure, reliable, and efficient methods to manage cash flow and maintain strong business relationships.

According to Bottomline 2022, B2B Payments Survey Report, 49% of businesses experienced a serious fraud attempt in 2021, which has a huge impact on the market growth.

Market Dynamics:

Driver:

Digital Transformation & Automation

Digital transformation and automation are revolutionizing the B2B payments market by enhancing speed, accuracy, and security. Automated processes reduce manual errors and operational costs while accelerating transaction times, fostering seamless cash flow management. Digital tools enable real-time payment tracking and improved transparency, strengthening trust between businesses. Additionally, advanced analytics provide actionable insights for smarter financial decisions. Overall, these innovations boost efficiency, reduce fraud risk, and create a customer-centric payment ecosystem, driving growth in the B2B landscape.

Restraint:

High Integration Costs

High integration costs in the B2B payments market create significant barriers for businesses, especially small and medium enterprises. These expenses delay adoption of advanced payment systems, limiting efficiency and innovation. High costs also reduce competitiveness by discouraging seamless connectivity between platforms, causing operational bottlenecks. Ultimately, this slows market growth, restricts access to modern financial technologies, and hampers overall digital transformation within the B2B payments ecosystem.

Opportunity:

Rising Demand for Faster Payments

The rising demand for faster payments is transforming the B2B payments market by accelerating transaction speeds and improving cash flow management for businesses. This shift enhances operational efficiency, reduces payment delays, and strengthens supplier relationships. Real-time payments foster greater transparency and security, boosting trust among trading partners. Additionally, faster payment solutions encourage digital adoption, driving innovation and competitiveness in the B2B ecosystem.

Threat:

Complexity of Legacy Systems

The complexity of legacy systems poses significant challenges to the B2B payments market by slowing down modernization efforts. These outdated systems are often inflexible, costly to maintain, and incompatible with new digital payment technologies, leading to integration issues and increased operational risks. As a result, businesses face delays, higher expenses, and limited scalability, hindering the adoption of efficient, automated payment solutions and overall market growth.

Covid-19 Impact

The Covid-19 pandemic significantly accelerated digital transformation in the B2B payments market. With remote work and social distancing, businesses shifted from traditional paper-based and check payments to faster, contactless digital payment solutions. This shift increased demand for automation, enhanced security, and real-time payment processing. Overall, Covid-19 acted as a catalyst, driving innovation and adoption of advanced technologies in the B2B payments ecosystem globally.

The digital segment is expected to be the largest during the forecast period

The digital segment is expected to account for the largest market share during the forecast period because it streamlines transactions through automation and real-time processing, reducing errors and operational costs. Digital platforms facilitate seamless cross-border payments, improving global trade efficiency. Advanced analytics offer better cash flow management and fraud detection. Overall, digitalization drives greater convenience and trust among businesses, accelerating payment cycles and fostering stronger B2B relationships, ultimately boosting market growth and competitiveness.

The credit card segment is expected to have the highest CAGR during the forecast period

Over the forecast period, the credit card segment is predicted to witness the highest growth rate, as it enables businesses to streamline payments, improve cash flow management, and access credit facilities, fostering smoother supplier relationships. Digitalization and reward programs further incentivize usage, boosting adoption. Additionally, credit cards support better expense tracking and reconciliation, reducing administrative burden. Moreover, they contribute to increased efficiency, transparency, and financial flexibility in B2B payment ecosystems, accelerating market growth.

Region with largest share:

During the forecast period, the Asia Pacific region is expected to hold the largest market share as Digital payment solutions promote transparency, security, and cost savings, fostering stronger business relationships. Increased adoption of fintech innovations accelerates cross-border trade and financial inclusion for SMEs. This market growth supports regional integration, boosts cash flow management, and encourages investments, ultimately empowering businesses to scale rapidly and contributing to the digital transformation of Asia Pacific's commercial landscape.

Region with highest CAGR:

Over the forecast period, the North America region is anticipated to exhibit the highest CAGR, because Advanced digital payment solutions and automation are accelerating cash flow, improving financial transparency, and minimizing errors. This fosters stronger supplier relationships and boosts overall business productivity. Additionally, the market's innovation promotes secure, faster cross-border payments, fueling regional trade growth. These advancements support economic expansion and strengthen North America's position as a leader in global B2B commerce.

Key players in the market

Some of the key players profiled in the B2B Payments Market include Stripe, PayPal, Adyen, Fiserv, Mastercard, Visa, American Express, JPMorgan Chase, Citi, SAP Concur, Bill.com, Coupa, AvidXchange, Airwallex, Veem, Tradeshift, Bottomline Technologies and Flywire.

Key Developments:

In May 2025, Visa and EgyptAir have entered into an exclusive multi-year agreement focused on co-branded payment products, targeting Egypt's aviation and travel sectors. This partnership introduced the "Mileseverywhere" credit card, developed in collaboration with MasterCard and Commercial International Bank (CIB).

In December 2024, Card.com Corporation, has announced a collaboration with Visa to introduce Visa Direct Cross-Border payments. This partnership aims to provide Card.com customers with fast, secure, and convenient international payment options.

Payment Types Covered:

  • Domestic Payments
  • Cross-Border Payments

Payment Modes Covered:

  • Traditional
  • Digital

Payment Methods Covered:

  • ACH
  • Wire
  • Cheque
  • Cash
  • Demand Draft
  • Credit Card

Enterprise Sizes Covered:

  • Large Enterprise
  • Medium-sized Enterprise
  • Small-sized Enterprise

End Users Covered:

  • Manufacturing
  • IT and Telecom
  • Metals and Mining
  • Energy and Utilities
  • Healthcare
  • Retail & E-Commerce
  • Transportation & Logistics
  • BFSI (Banking, Financial Services, and Insurance)
  • Other End Users

Regions Covered:

  • North America
    • US
    • Canada
    • Mexico
  • Europe
    • Germany
    • UK
    • Italy
    • France
    • Spain
    • Rest of Europe
  • Asia Pacific
    • Japan
    • China
    • India
    • Australia
    • New Zealand
    • South Korea
    • Rest of Asia Pacific
  • South America
    • Argentina
    • Brazil
    • Chile
    • Rest of South America
  • Middle East & Africa
    • Saudi Arabia
    • UAE
    • Qatar
    • South Africa
    • Rest of Middle East & Africa

What our report offers:

  • Market share assessments for the regional and country-level segments
  • Strategic recommendations for the new entrants
  • Covers Market data for the years 2022, 2023, 2024, 2026, and 2030
  • Market Trends (Drivers, Constraints, Opportunities, Threats, Challenges, Investment Opportunities, and recommendations)
  • Strategic recommendations in key business segments based on the market estimations
  • Competitive landscaping mapping the key common trends
  • Company profiling with detailed strategies, financials, and recent developments
  • Supply chain trends mapping the latest technological advancements

Free Customization Offerings:

All the customers of this report will be entitled to receive one of the following free customization options:

  • Company Profiling
    • Comprehensive profiling of additional market players (up to 3)
    • SWOT Analysis of key players (up to 3)
  • Regional Segmentation
    • Market estimations, Forecasts and CAGR of any prominent country as per the client's interest (Note: Depends on feasibility check)
  • Competitive Benchmarking
    • Benchmarking of key players based on product portfolio, geographical presence, and strategic alliances

Table of Contents

1 Executive Summary

2 Preface

  • 2.1 Abstract
  • 2.2 Stake Holders
  • 2.3 Research Scope
  • 2.4 Research Methodology
    • 2.4.1 Data Mining
    • 2.4.2 Data Analysis
    • 2.4.3 Data Validation
    • 2.4.4 Research Approach
  • 2.5 Research Sources
    • 2.5.1 Primary Research Sources
    • 2.5.2 Secondary Research Sources
    • 2.5.3 Assumptions

3 Market Trend Analysis

  • 3.1 Introduction
  • 3.2 Drivers
  • 3.3 Restraints
  • 3.4 Opportunities
  • 3.5 Threats
  • 3.6 End User Analysis
  • 3.7 Emerging Markets
  • 3.8 Impact of Covid-19

4 Porters Five Force Analysis

  • 4.1 Bargaining power of suppliers
  • 4.2 Bargaining power of buyers
  • 4.3 Threat of substitutes
  • 4.4 Threat of new entrants
  • 4.5 Competitive rivalry

5 Global B2B Payments Market, By Payment Type

  • 5.1 Introduction
  • 5.2 Domestic Payments
  • 5.3 Cross-Border Payments

6 Global B2B Payments Market, By Payment Mode

  • 6.1 Introduction
  • 6.2 Traditional
  • 6.3 Digital

7 Global B2B Payments Market, By Payment Method

  • 7.1 Introduction
  • 7.2 ACH
  • 7.3 Wire
  • 7.4 Cheque
  • 7.5 Cash
  • 7.6 Demand Draft
  • 7.7 Credit Card

8 Global B2B Payments Market, By Enterprise Size

  • 8.1 Introduction
  • 8.2 Large Enterprise
  • 8.3 Medium-sized Enterprise
  • 8.4 Small-sized Enterprise

9 Global B2B Payments Market, By End User

  • 9.1 Introduction
  • 9.2 Manufacturing
  • 9.3 IT and Telecom
  • 9.4 Metals and Mining
  • 9.5 Energy and Utilities
  • 9.6 Healthcare
  • 9.7 Retail & E-commerce
  • 9.9 Transportation & Logistics
  • 9.9 BFSI (Banking, Financial Services, and Insurance)
  • 9.10 Other End Users

10 Global B2B Payments Market, By Geography

  • 10.1 Introduction
  • 10.2 North America
    • 10.2.1 US
    • 10.2.2 Canada
    • 10.2.3 Mexico
  • 10.3 Europe
    • 10.3.1 Germany
    • 10.3.2 UK
    • 10.3.3 Italy
    • 10.3.4 France
    • 10.3.5 Spain
    • 10.3.6 Rest of Europe
  • 10.4 Asia Pacific
    • 10.4.1 Japan
    • 10.4.2 China
    • 10.4.3 India
    • 10.4.4 Australia
    • 10.4.5 New Zealand
    • 10.4.6 South Korea
    • 10.4.7 Rest of Asia Pacific
  • 10.5 South America
    • 10.5.1 Argentina
    • 10.5.2 Brazil
    • 10.5.3 Chile
    • 10.5.4 Rest of South America
  • 10.6 Middle East & Africa
    • 10.6.1 Saudi Arabia
    • 10.6.2 UAE
    • 10.6.3 Qatar
    • 10.6.4 South Africa
    • 10.6.5 Rest of Middle East & Africa

11 Key Developments

  • 11.1 Agreements, Partnerships, Collaborations and Joint Ventures
  • 11.2 Acquisitions & Mergers
  • 11.3 New Product Launch
  • 11.4 Expansions
  • 11.5 Other Key Strategies

12 Company Profiling

  • 12.1 Stripe
  • 12.2 PayPal
  • 12.3 Adyen
  • 12.4 Fiserv
  • 12.5 Mastercard
  • 12.6 Visa
  • 12.7 American Express
  • 12.8 JPMorgan Chase
  • 12.9 Citi
  • 12.10 SAP Concur
  • 12.11 Bill.com
  • 12.12 Coupa
  • 12.13 AvidXchange
  • 12.14 Airwallex
  • 12.15 Veem
  • 12.16 Tradeshift
  • 12.17 Bottomline Technologies
  • 12.18 Flywire

List of Tables

  • Table 1 Global B2B Payments Market Outlook, By Region (2024-2032) ($MN)
  • Table 2 Global B2B Payments Market Outlook, By Payment Type (2024-2032) ($MN)
  • Table 3 Global B2B Payments Market Outlook, By Domestic Payments (2024-2032) ($MN)
  • Table 4 Global B2B Payments Market Outlook, By Cross-Border Payments (2024-2032) ($MN)
  • Table 5 Global B2B Payments Market Outlook, By Payment Mode (2024-2032) ($MN)
  • Table 6 Global B2B Payments Market Outlook, By Traditional (2024-2032) ($MN)
  • Table 7 Global B2B Payments Market Outlook, By Digital (2024-2032) ($MN)
  • Table 8 Global B2B Payments Market Outlook, By Payment Method (2024-2032) ($MN)
  • Table 9 Global B2B Payments Market Outlook, By ACH (2024-2032) ($MN)
  • Table 10 Global B2B Payments Market Outlook, By Wire (2024-2032) ($MN)
  • Table 11 Global B2B Payments Market Outlook, By Cheque (2024-2032) ($MN)
  • Table 12 Global B2B Payments Market Outlook, By Cash (2024-2032) ($MN)
  • Table 13 Global B2B Payments Market Outlook, By Demand Draft (2024-2032) ($MN)
  • Table 14 Global B2B Payments Market Outlook, By Credit Card (2024-2032) ($MN)
  • Table 15 Global B2B Payments Market Outlook, By Enterprise Size (2024-2032) ($MN)
  • Table 16 Global B2B Payments Market Outlook, By Large Enterprise (2024-2032) ($MN)
  • Table 17 Global B2B Payments Market Outlook, By Medium-sized Enterprise (2024-2032) ($MN)
  • Table 18 Global B2B Payments Market Outlook, By Small-sized Enterprise (2024-2032) ($MN)
  • Table 19 Global B2B Payments Market Outlook, By End User (2024-2032) ($MN)
  • Table 20 Global B2B Payments Market Outlook, By Manufacturing (2024-2032) ($MN)
  • Table 21 Global B2B Payments Market Outlook, By IT and Telecom (2024-2032) ($MN)
  • Table 22 Global B2B Payments Market Outlook, By Metals and Mining (2024-2032) ($MN)
  • Table 23 Global B2B Payments Market Outlook, By Energy and Utilities (2024-2032) ($MN)
  • Table 24 Global B2B Payments Market Outlook, By Healthcare (2024-2032) ($MN)
  • Table 25 Global B2B Payments Market Outlook, By Retail & E-commerce (2024-2032) ($MN)
  • Table 26 Global B2B Payments Market Outlook, By Transportation & Logistics (2024-2032) ($MN)
  • Table 27 Global B2B Payments Market Outlook, By BFSI (Banking, Financial Services, and Insurance) (2024-2032) ($MN)
  • Table 28 Global B2B Payments Market Outlook, By Other End Users (2024-2032) ($MN)

Note: Tables for North America, Europe, APAC, South America, and Middle East & Africa Regions are also represented in the same manner as above.