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市場調查報告書
商品編碼
2046169
B2B支付市場-全球產業規模、佔有率、趨勢、機會與預測:按支付類型、公司規模、支付方式、產業橫斷面、區域和競爭格局分類,2021-2031年B2B Payments Market - Global Industry Size, Share, Trends, Opportunity, and Forecast, Segmented By Payment Type, By Enterprise Size, By Payment Method, By Industry Vertical, By Region & Competition, 2021-2031F |
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全球 B2B 支付市場預計將從 2025 年的 14.56 兆美元大幅成長至 2031 年的 25.95 兆美元,複合年成長率為 10.11%。
該市場涵蓋企業間用於結算商品和服務款項的常規資金轉移。這一成長主要得益於應付帳款流程的持續數位化以及對能夠提升營運效率的自動化財務工作流程日益成長的需求。這些因素正在加速從紙本支票轉向電子支付方式的轉變,以加快結算速度。 Nacha 的一份報告也反映了這一趨勢,該報告指出,到 2024 年,ACH 網路上的 B2B 支付數量將增加 11.6%,達到 73 億筆。
| 市場概覽 | |
|---|---|
| 預測期 | 2027-2031 |
| 市場規模:2025年 | 14.56兆美元 |
| 市場規模:2031年 | 25.95兆美元 |
| 複合年成長率:2026-2031年 | 10.11% |
| 成長最快的細分市場 | 國內支付 |
| 最大的市場 | 亞太地區 |
然而,該行業面臨著與安全漏洞和持續存在的金融詐騙相關的重大挑戰。企業交易的高額交易額往往會吸引諸如商業電子郵件詐騙等有針對性的網路威脅,這會阻礙數位化解決方案的普及。根據金融專業人士協會 (AFP) 的數據,到 2024 年,79% 的機構將遭遇未遂或實際發生的支付詐騙。因此,建立安全的交易環境和健全的檢驗協議對於持續的市場認可和成長仍然至關重要。
市場的主要驅動力是全球跨境貿易和國際價值鏈的擴張。隨著企業從不同地區採購商品,對多幣種結算能力和透明外匯機制的需求日益成長。這種全球化迫使支付服務提供者對其基礎設施進行現代化改造,以處理複雜且高價值的交易,而這些交易在傳統的代理銀行模式下往往會導致延遲。 Visa在2024年10月發布的2024會計年度財報中指出,歐洲以外地區的跨國交易量增加了13%,這印證了上述趨勢。同月,SWIFT也強調了結算效率的提升,指出其網路上90%的跨境支付都能在一小時內到達收款銀行。
同時,即時結算基礎設施和即時結算網路的採用正在從根本上改變企業現金管理。企業正從批量處理系統轉向即時結算系統,以實現資金的即時獲取和全天候結算。這項轉變的驅動力在於最佳化營運資金的需求,以及在不出現傳統方式固有延遲的情況下完成時效性支付的能力。清算所(The Clearing House)在2025年1月發布的新聞稿中的數據顯示,這些系統的快速擴張顯而易見。數據顯示,2024年即時結算網路(RTP)的結算額激增94%,達到2,460億美元,凸顯了該產業對金融交易速度和確定性的積極追求。
安全漏洞和打擊金融詐騙是全球B2B支付市場擴張的主要障礙。隨著企業財務工作流程的數位化,B2B交易中涉及的巨額資金使其成為複雜網路威脅的理想目標。這種充滿敵意的環境滋生了規避風險的氛圍,使得企業不願徹底放棄現有的舊有系統。對重大資本損失的擔憂迫使企業優先考慮防禦性安全措施而非業務的快速成長,導致嚴格的檢驗程序,從而增加了支付流程的摩擦,並削弱了數位化解決方案旨在實現的效率。
這些定向攻擊的頻繁發生直接削弱了人們對電子支付基礎設施的信心,並分散了原本用於支援市場發展的資源。根據金融專業人士協會 (AFP) 預測,到 2024 年,63% 的機構將電匯列為商業電子郵件詐騙(BEC) 攻擊中最常見的支付方式。針對數位管道的高攻擊率迫使企業將大量資金投入到詐欺預防和合規方面,而非創新,這實際上減緩了最新 B2B 支付技術的廣泛應用。
將嵌入式金融功能整合到B2B平台中,從根本上改變了軟體供應商的獲利模式以及服務企業客戶的方式。 SaaS平台正日益將支付處理、貸款和企業帳戶直接整合到工作流程中,使企業無需離開其核心業務介面即可處理財務營運。這種整合提高了用戶參與度,並為中小企業的非金融平台開闢了重要的全新收入來源。為了佐證這一成長趨勢,Adyen於2024年10月發布的《2024年嵌入式金融報告》指出,到2024年,SaaS平台上嵌入式金融的潛在市場規模將達到1850億美元,比2022年成長25%。
同時,隨著企業日益重視防範詐欺和精準的費用管理,虛擬企業卡解決方案的普及速度正在加快。這些數位化工具透過為每筆交易分配唯一的(通常是一次性的)帳號,顯著降低了實體卡相關的安全風險,同時還能實現應付帳款資料的自動配對。這一趨勢在中型企業中尤其明顯,這些企業正在對其應收帳款流程進行現代化改造,以加快收款速度。根據 PYMNTS 於 2024 年 4 月發布的報告《最佳化應收帳款管理以降低中型企業的不確定性》,60% 的中小企業表示在過去六個月中曾透過虛擬卡收款。
The Global B2B Payments Market is projected to expand significantly, rising from USD 14.56 Trillion in 2025 to USD 25.95 Trillion by 2031, reflecting a CAGR of 10.11%. This market encompasses the recurring transfer of funds between business entities to settle obligations for goods and services. Growth is largely fueled by the continued digitalization of accounts payable processes and a growing requirement for automated financial workflows that enhance operational efficiency. These drivers are hastening the transition from paper checks to electronic payment methods to achieve faster settlement, a trend evidenced by Nacha's report that B2B payment volume on the ACH Network grew by 11.6 percent to 7.3 billion payments in 2024.
| Market Overview | |
|---|---|
| Forecast Period | 2027-2031 |
| Market Size 2025 | USD 14.56 Trillion |
| Market Size 2031 | USD 25.95 Trillion |
| CAGR 2026-2031 | 10.11% |
| Fastest Growing Segment | Domestic Payments |
| Largest Market | Asia Pacific |
However, the sector faces substantial challenges related to security vulnerabilities and persistent financial fraud. The high value associated with corporate transactions frequently attracts targeted cyber threats, such as business email compromise, which can hinder the adoption of digital solutions. Data from the Association for Financial Professionals indicates that 79 percent of organizations were victims of attempted or actual payment fraud in 2024. Consequently, establishing secure transaction environments and robust verification protocols remains essential for sustaining market acceptance and growth.
Market Driver
A primary catalyst propelling the market is the expansion of global cross-border trade and international supply chains. As organizations increasingly source goods from various regions, there is an intensified demand for multi-currency settlement capabilities and transparent foreign exchange mechanisms. This globalization forces payment providers to modernize their infrastructure to accommodate complex, high-value transactions that traditional correspondent banking models often delay. Highlighting this trend, Visa reported in its Fiscal Year 2024 Results in October 2024 that cross-border volume, excluding intra-Europe, grew by 13 percent, while Swift noted in the same month that 90 percent of cross-border payments on its network reached the destination bank within an hour, underscoring improved settlement efficiency.
Concurrently, the adoption of real-time payment infrastructures and instant settlement networks is fundamentally transforming corporate cash management. Businesses are shifting away from batch-processing systems in favor of instant rails that provide immediate fund availability and 24/7 clearing capabilities. This transition is driven by the necessity for working capital optimization and the capability to finalize time-sensitive payments without the delays inherent in legacy methods. The rapid expansion of these systems is evident in data from The Clearing House's January 2025 press release, which revealed that payment value on the RTP network surged by 94 percent to $246 billion in 2024, confirming the sector's aggressive move toward speed and certainty in financial exchanges.
Market Challenge
Security vulnerabilities and the persistence of financial fraud constitute a major obstacle to the expansion of the Global B2B Payments Market. As enterprises strive to digitize their financial workflows, the significant value involved in corporate transactions renders them attractive targets for sophisticated cyber threats. This hostile landscape creates a culture of risk aversion, causing organizations to hesitate in fully abandoning established legacy systems. The fear of substantial capital loss forces companies to prioritize defensive security measures over rapid operational growth, necessitating rigorous verification protocols that introduce friction into payment processes and counteract the efficiency digital solutions aim to provide.
The frequency of these targeted attacks directly erodes confidence in electronic payment infrastructures and diverts resources that could otherwise support market development. According to the Association for Financial Professionals, 63 percent of organizations reported in 2024 that wire transfers were the payment method most frequently targeted by business email compromise scams. This high incidence of attacks on digital channels compels enterprises to allocate significant investments toward fraud prevention and compliance rather than innovation, effectively slowing the broader adoption of modern B2B payment technologies.
Market Trends
The integration of embedded finance within B2B platforms is fundamentally changing how software providers generate revenue and serve corporate clients. SaaS platforms are increasingly incorporating payment processing, lending, and business accounts directly into their workflows, enabling enterprises to handle financial operations without exiting their primary operational interfaces. This consolidation enhances user engagement and unlocks significant new revenue streams for non-financial platforms catering to small and medium-sized businesses. Highlighting this growth, Adyen's Embedded Finance Report 2024 from October 2024 noted that the total addressable market for embedded finance within SaaS platforms reached $185 billion in 2024, representing a 25 percent increase since 2022.
Simultaneously, the proliferation of virtual commercial card solutions is accelerating as organizations focus on fraud reduction and precise expense management. These digital instruments utilize unique, often single-use account numbers for specific transactions, significantly mitigating security risks linked to physical cards while facilitating the automated reconciliation of accounts payable data. This trend is particularly notable among mid-sized firms modernizing their receivables processes to ensure timely capital collection. According to a PYMNTS report from April 2024 titled Optimizing AR to Mitigate Uncertainty for Middle-Market Businesses, 60 percent of smaller middle-market firms reported receiving payments via virtual cards during the preceding six months.
Report Scope
In this report, the Global B2B Payments Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:
Company Profiles: Detailed analysis of the major companies present in the Global B2B Payments Market.
Global B2B Payments Market report with the given market data, TechSci Research offers customizations according to a company's specific needs. The following customization options are available for the report: