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市場調查報告書
商品編碼
1817979
2032年車載支付服務市場預測:按支付方式、車輛類型、應用和地區進行的全球分析In-Vehicle Payment Services Market Forecasts to 2032 - Global Analysis By Payment Mode (Credit/Debit Cards, Near Field Communication (NFC), QR Code / RFID and E-Wallets / Mobile Apps), Vehicle Type, Application and By Geography |
根據 Stratistics MRC 的數據,全球車載支付服務市場預計在 2025 年達到 77.5 億美元,到 2032 年將達到 183.5 億美元,預測期內的複合年成長率為 13.10%。
車載支付服務正在改變出行方式,使駕駛員能夠在車內進行安全、無現金的交易。這些解決方案支援透過嵌入式連網系統直接支付燃油、停車、過路費和外帶取餐等服務費用。與語音助理、先進的車載軟體和數位錢包的整合,確保了流暢、快速和安全的體驗。領先的汽車製造商和金融科技公司正在合作建構創新平台,使車載商務成為互聯交通和智慧數位生態系統發展的關鍵要素。
國際能源總署(IEA)數據顯示,根據IEA《2023年全球電動車展望》報告,預計2022年全球電動車銷量將達到1,000萬輛,2023年將達到1,400萬輛,較去年同期成長35%。
聯網汽車智慧汽車的興起
聯網汽車智慧汽車的普及極大地推動了車載支付服務市場的發展。現今的汽車擴大整合了物聯網功能、先進的資訊娛樂系統和即時連接,從而實現了輕鬆的數位交易。駕駛者可以直接透過車載系統支付燃油費、過路費、停車費和餐費等服務費用,無需依賴智慧型手機或實體卡。汽車製造商正致力於增強連網汽車生態系統,以提供更安全、更快捷、更方便的支付方式。隨著無現金交易偏好的興起和非接觸式支付方式的普及,消費者需求呈指數級成長。汽車創新與支付技術的融合正在推動市場成長。
實施和整合成本高
實施和整合車載支付系統的高昂成本對市場成長構成了重大挑戰。汽車製造商必須為物聯網連接、安全付款閘道、先進的資訊娛樂硬體和強大的網路安全框架分配大量預算。這些高成本推高了汽車的整體價格,限制了注重成本的買家對其的採用。規模較小的公司和區域性企業往往由於財務限制而難以進入市場。此外,持續的軟體升級、合規性要求和系統維護也會產生額外成本。這些龐大的投資需求可能會限制大規模採用,尤其是在經濟狀況是汽車購買決策主要促進因素的發展中地區。
加強與智慧城市基礎設施的整合
全球智慧城市計畫的興起為車載支付服務帶來了巨大的成長機會。隨著城市部署互聯基礎設施,車輛可以直接與停車場、收費站、電動車充電站和市政服務互動。車載付款管道透過實現即時、安全和無現金交易,簡化了這些互動。市政當局正在積極推動數位生態系統,以最大限度地減少交通問題並鼓勵非接觸式支付,從而推動非接觸式支付的普及。互聯出行與智慧基礎設施的整合為汽車製造商、金融科技公司和技術合作夥伴之間的合作開闢了新的途徑。不斷擴展的智慧城市格局正在強化車載支付在現代城市出行中的作用。
市場競爭激烈,分散化
車載支付服務市場面臨的主要威脅是競爭加劇和市場分散。多家汽車製造商、金融科技供應商和科技公司各自部署了不同的解決方案,限制了互通性。這種市場飽和使得企業難以確立其獨特價值,而小公司往往缺乏全球領導企業的資源。缺乏業界標準限制了其平穩的擴充性,並減緩了大規模採用的速度。競爭加劇可能導致淨利率下降、產品重疊以及消費者選擇複雜化。除非整個產業能夠實現更大的合作和標準化,否則這種市場碎片化會削弱整體成長前景,並可能降低許多公司的長期生存能力。
新冠疫情為車載支付服務市場帶來了機會與挫折。最初,工廠停工、汽車銷售下降以及供應鏈問題阻礙了成長,並減緩了普及速度。然而,疫情提高了人們的衛生意識,加速了向非接觸式數位支付的轉變。這一趨勢增加了對車載解決方案的需求,這些解決方案能夠在加油站、收費站和免下車商店實現安全、快速、非接觸式的交易。汽車製造商和金融科技公司抓住了這一機遇,提升了平台的安全性和便利性。儘管初期有所波動,但新冠疫情成為車載支付長期普及的催化劑,車載支付系統已成為後疫情時代出行格局的重要組成部分。
預計信用卡/簽帳金融卡細分市場將成為預測期內最大的細分市場
信用卡/簽帳金融卡領域因其廣泛的應用和可靠性,預計將在預測期內佔據最大的市場佔有率。消費者高度習慣於基於卡片的支付,使其成為與車載系統整合的最便捷方式。透過將卡片資訊直接連結到車載平台,用戶可以快速安全地進行加油、收費、停車和購買食品等交易。憑藉強大的銀行網路和廣泛的商家受理,這些卡片仍然是最值得信賴的選擇。久經考驗的安全性、全球覆蓋範圍和順暢的互通性,使信用卡和簽帳金融卡能夠超越新興的數位支付方式。
預計自動駕駛汽車領域在預測期內將以最高的複合年成長率成長。
由於數位技術與連網技術的高度整合,自動駕駛汽車領域預計將在預測期內實現最高成長率。這些車輛高度依賴無縫連接來支援自動駕駛功能,這為嵌入式支付系統創造了天然的機會。加油、充電、收費和停車等自動化交易與自動駕駛行程帶來的便利完美契合。隨著全球對自動駕駛技術的投資加速,汽車製造商和金融科技公司正專注於安全的人工智慧付款管道。自動駕駛汽車的日益普及,加上消費者對免持和非接觸式體驗的需求,正在推動該領域的快速成長。
在預測期內,北美預計將佔據最大的市場佔有率,這得益於其先進的汽車基礎設施、聯網汽車的廣泛應用以及強大的金融科技和技術創新力量。該地區受惠於成熟的智慧運輸框架,加油站、收費公路網路、停車場和快餐店的嵌入式支付系統普及率很高。消費者對無縫數位交易的接受度很高,這些交易得到了領先支付提供商和汽車原始設備製造商的支持。這個成熟的生態系統實現了車載付款管道的強力整合,使北美成為確保市場佔有率主導以及推動車載商務解決方案創新和應用方面最具影響力的地區。
由於蓬勃發展的汽車生態系統和強大的數位基礎設施,亞太地區預計將在預測期內呈現最高的複合年成長率。快速的城市擴張、不斷成長的可支配收入以及智慧型手機和聯網汽車的廣泛普及,正在推動對車載交易功能的需求。對智慧城市建設、電動車基礎設施和移動互聯的大力投入進一步支撐了這一趨勢。技術成熟度、基礎設施投資和消費者熱情的結合,使亞太地區成為全球車載支付服務領域最具活力、成長最快的地區。
According to Stratistics MRC, the Global In-Vehicle Payment Services Market is accounted for $7.75 billion in 2025 and is expected to reach $18.35 billion by 2032 growing at a CAGR of 13.10% during the forecast period. In-vehicle payment services are transforming mobility by enabling drivers to conduct secure, cashless transactions without leaving their cars. These solutions support payments for services like fuel refills, parking fees, toll charges, and food pickups, directly through embedded connected systems. Integration with voice-enabled assistants, advanced car software, and digital wallets ensures a smooth, fast, and safe experience. Leading automakers and fintech companies are collaborating to create innovative platforms, making in-car commerce a key element in the evolution of connected transportation and smart digital ecosystems.
According to data from the International Energy Agency (IEA), The IEA's Global Electric Vehicle Outlook 2023 reported that global electric car sales hit 10 million units in 2022, with projections of 14 million in 2023, marking a 35% year-over-year growth.
Growing adoption of connected and smart vehicles
The widespread use of connected and smart vehicles is significantly propelling the in-vehicle payment services market. Today's automobiles are increasingly integrated with IoT features, advanced infotainment systems, and real-time connectivity that enable effortless digital transactions. Drivers can directly pay for services like fueling, tolls, parking, or food orders through in-car systems, eliminating dependence on smartphones or physical cards. Automakers are focusing on enhancing connected car ecosystems to deliver safer, faster, and more convenient payment options. With the surge in cashless transaction preferences and contactless methods, consumer demand is rising sharply. This convergence of automotive innovations and payment technologies is accelerating market growth.
High implementation and integration costs
The significant expenses involved in implementing and integrating in-vehicle payment systems pose a substantial challenge for market growth. Automakers need to allocate large budgets for IoT connectivity, secure payment gateways, sophisticated infotainment hardware, and strong cybersecurity frameworks. These high costs raise the overall price of vehicles, limiting accessibility for cost-sensitive buyers. Smaller firms and regional players often struggle to enter the market due to financial constraints. Furthermore, ongoing software upgrades, compliance requirements, and system maintenance create additional expenses. Such heavy investment needs can restrict large-scale adoption, especially in developing regions where economic conditions make affordability a decisive factor in vehicle purchases.
Growing integration with smart city infrastructure
The rise of global smart city initiatives offers a strong growth opportunity for in-vehicle payment services. With cities deploying connected infrastructure, vehicles can engage directly with parking lots, toll booths, EV charging stations, and municipal services. In-car payment platforms simplify these interactions by enabling instant, secure, and cashless transactions. Urban authorities are actively promoting digital ecosystems to minimize traffic issues and encourage contactless payments, which supports adoption. This convergence of connected mobility and smart infrastructure creates new pathways for automakers, fintech firms, and technology partners to collaborate. The expanding smart city landscape strengthens the role of in-vehicle payments in modern urban mobility.
Intense market competition and fragmentation
A major threat to the in-vehicle payment services market comes from growing competition and fragmented development. With multiple automakers, fintech providers, and tech companies introducing separate solutions, interoperability becomes limited. This saturation makes it difficult for firms to establish unique value, while smaller businesses often fail to match the resources of global leaders. The lack of industry-wide standards restricts smooth scalability, slowing mass adoption. Intensified competition can result in declining margins, duplicated offerings, and complex consumer choices. Such market fragmentation may weaken overall growth prospects, reducing long-term viability for many players unless greater collaboration and standardization are achieved across the sector.
COVID-19 produced both setbacks and opportunities for the in-vehicle payment services market. At the onset, factory shutdowns, lower car sales, and supply chain issues hampered growth and delayed implementation. Yet, the pandemic heightened awareness of hygiene and accelerated the move toward digital, touch-free payments. This trend increased demand for in-vehicle solutions enabling secure, quick, and contactless transactions at fuel stations, toll booths, and drive-through outlets. Automakers and fintech firms leveraged this opportunity by enhancing platform security and convenience. Despite early disruptions, COVID-19 acted as a catalyst for long-term adoption, making in-vehicle payment systems a crucial component of the post-pandemic mobility landscape.
The credit/debit cards segment is expected to be the largest during the forecast period
The credit/debit cards segment is expected to account for the largest market share during the forecast period due to their wide adoption and trustworthiness. Consumers are highly accustomed to card-based payments, making them the most convenient option to integrate with in-car systems. By linking card information directly to vehicle platforms, users can execute fast and secure transactions for fueling, toll collection, parking, and food purchases. Supported by robust banking networks and universal merchant acceptance, these cards remain the most dependable choice. Their proven security, global reach, and smooth interoperability ensure that credit and debit cards surpass newer digital alternatives.
The autonomous vehicles segment is expected to have the highest CAGR during the forecast period
Over the forecast period, the autonomous vehicles segment is predicted to witness the highest growth rate due to their advanced integration of digital and connected technologies. These vehicles rely heavily on seamless connectivity to support self-driving functions, creating natural opportunities for embedded payment systems. Automated transactions for fueling, charging, toll collection and parking align perfectly with the convenience offered by autonomous mobility. As global investments in autonomous driving technology accelerate, automakers and fintech companies are focusing on secure, AI-powered payment platforms. The rising adoption of self-driving cars, combined with consumer demand for hands-free, contactless experiences, drives rapid growth in this segment.
During the forecast period, the North America region is expected to hold the largest market share, owing to its advanced automotive infrastructure, widespread connected car adoption, and strong presence of fintech and tech innovators. The region benefits from mature smart mobility frameworks, with a high penetration of embedded payment systems across fuel stations, toll networks, parking, and quick-service outlets. Consumers are highly receptive to seamless digital transactions, supported by leading payment providers and automotive OEMs. This well-established ecosystem enables robust integration of in-vehicle payment platforms, securing North America's leadership in market share and making it the most influential region in driving innovation and adoption of in-car commerce solutions.
Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR, energized by its flourishing automotive ecosystem and robust digital infrastructure. Rapid urban expansion, increasing disposable incomes, and the widespread use of smart phones and connected vehicles are propelling demand for embedded transactional capabilities within cars. Strong commitments to smart city development, electric vehicle infrastructure, and mobile integration further bolster this trend. With its blend of technological readiness, infrastructure investment, and consumer enthusiasm, Asia Pacific emerges as the most energetic and fastest-emerging region in the global in-vehicle payment services landscape.
Key players in the market
Some of the key players in In-Vehicle Payment Services Market include BMW AG, Daimler AG, Ford Motor Co., General Motors Co., Honda Motor Co., Ltd., Hyundai Motor Co., Jaguar Land Rover Automotive PLC, Volkswagen AG, ZF Friedrichshafen AG, Google, Amazon, Visa, MasterCard, PayPal and Toyota Motor Corporation.
In February 2025, BMW Group Expands Global Partnership with Axalta for Automotive Refinish Coatings. Under the new partnership, Axalta will provide its Fast Cure Low Energy technology paint system to BMW Group's network of dealerships and collision repair shops. The agreement strengthens Axalta's existing relationship with BMW Group, as the company maintains its position as the exclusive ColorSystem supplier in Europe and South Africa, while extending its ColorSystem supply agreements in the United States and China.
In January 2025, Honda Motor Co., Ltd. and Renesas Electronics Corporation announced that they have signed an agreement to develop a high-performance system-on-chip (SoC) for software-defined vehicles (SDVs). The new SoC is designed to deliver leading-edge*1 AI performance of 2,000*2 TOPS combined with a world-class power efficiency of 20 TOPS/W, and is slated for use in future models of the Honda 0 (Zero) Series, Honda's new electric vehicle (EV) series, specifically those that will be launched in the late 2020s.
In September 2024, General Motors and Hyundai Motor Company have signed an agreement to explore future collaboration across key strategic areas. GM and Hyundai will look for ways to leverage their complementary scale and strengths to reduce costs and bring a wider range of vehicles and technologies to customers faster. Potential collaboration projects center on co-development and production of passenger and commercial vehicles, internal combustion engines and clean-energy, electric and hydrogen technologies.