非接觸式付款交易市場（按付款方式、最終用戶和地區分類），2026 年至 2032 年

非接觸式付款交易市場評估-2026-2032

行動錢包和NFC設備的興起推動了非接觸式付款交易的普及。隨著企業擴大配備非接觸式付款交易系統以改善客戶體驗，預計到 2024 年市場規模將超過 143.6 億美元，到 2032 年將達到約 349.3 億美元。

此外，對數位付款交易的支持性法規和獎勵正在促進向無現金交易的轉變，並刺激非接觸式付款交易的採用。網路購物的興起推動了店內和網上交易採用非接觸式解決方案，預計這將推動市場在 2026 年至 2032 年期間以 11.75% 的複合年成長率成長。

非接觸式付款交易市場定義/概述

非接觸式付款交易是付款設備與終端機之間無需實體接觸即可進行付款交易的方式。該技術使用近距離場通訊(NFC) 或無線射頻識別 (RFID)，只需將卡片、智慧型手機或穿戴式裝置靠近啟用的付款交易終端即可實現安全交易。此流程旨在快速高效，提高整體使用者體驗。

非接觸式付款交易廣泛應用於零售、公共運輸和飯店等各個領域。在零售業，消費者可以在收銀台刷卡或使用智慧型手機快速購物，減少等待時間。公共運輸正日益走向無現金化，車費可透過非接觸感應卡和行動應用程式無縫支付。此外，為了滿足消費者對便利和快速的需求，許多企業正在採用非接觸式付款交易解決方案。

智慧型手機和穿戴式裝置的快速普及將如何推動非接觸式付款交易的普及？

智慧型手機和穿戴式裝置的快速普及正在推動非接觸式付款交易市場的重大進步。根據皮尤研究中心統計，2020年全球智慧型手機普及率達78%，消費者越來越喜歡行動錢包和非接觸式付款交易的便利性。近年來，這一趨勢不斷加速，蘋果於 2023 年 6 月宣布，Apple Pay 交易量較去年同期成長超過 50%，顯示與前一年同期比較越來越偏好非接觸式支付方式。

隨著消費者和企業尋求更安全、非接觸式的交易方式，COVID-19 疫情成為非接觸式付款交易廣泛採用的催化劑。美國聯邦儲備委員會報告稱，2020年非接觸式付款交易與前一年同期比較增34%。為了因應消費行為的這些變化，各個領域的企業都在投資非接觸式付款交易基礎設施。 2023 年 8 月，萬事達卡宣布了其最新創新：生物辨識結帳計畫。該計劃將允許消費者使用臉部認證或指紋進行付款交易，進一步擴大非接觸式支付選項。

政府支持數位付款交易的措施和法規也在推動市場成長。歐洲央行報告稱，歐元區非接觸式付款交易佔有率將從2019年的41%上升至2022年的62%。這激增的部分原因是許多歐洲國家在疫情期間提高了非接觸式付款交易的限額。為了滿足這一日益成長的需求，Visa 於 2023 年 7 月宣布，將把其 Tap to Phone 技術擴展到 15 個新市場，使中小型企業能夠直接在智慧型手機上進行非接觸式付款交易，而無需額外的硬體。

非接觸式付款交易缺乏廣泛的基礎設施是否阻礙了市場成長？

非接觸式付款交易市場面臨一些影響其成長和採用的限制因素。其中一個關鍵挑戰是缺乏基礎設施。許多小型零售商和企業可能沒有必要的付款交易終端或技術來支援非接觸式交易，這限制了消費者的存取並降低了整體使用率。

另一個限制是安全問題。儘管加密和安全功能取得了進步，但一些消費者仍然對非接觸式付款交易中潛在的詐騙和資料外洩保持警惕。這種擔憂可能會阻礙人們採用這些支付方式，尤其是對於不太熟悉該技術的老年族群。

此外，不同地區的法規各不相同，這可能會導致複雜的問題。對於企業來說，遵守有關數位付款交易的當地法律可能很複雜且成本高昂。這種不一致可能會減緩非接觸式付款交易系統的採用，尤其是在法律規範嚴格的國家。

另一個挑戰是來自行動銀行和傳統卡片付款交易等替代付款方式的競爭。消費者進行交易的方式多種多樣，因此必須清楚傳達非接觸式付款交易的獨特優勢，以推動其採用。

目錄

第1章 非接觸式付款交易的全球市場介紹

• 市場介紹
• 研究範圍
• 先決條件

第2章執行摘要

第3章：已驗證的市場研究調查方法

• 資料探勘
• 驗證
• 第一手資料
• 資料來源列表

第4章 全球非接觸式付款交易市場展望

• 概述
• 市場動態
  • 驅動程式
  • 限制因素
  • 機會
• 波特五力模型
• 價值鏈分析

第5章 全球非接觸式付款交易市場（按付款方式）

• 概述
• 非接觸式卡
• 穿戴式裝置
• 非接觸式行動付款交易

第6章 全球非接觸式付款交易市場（按最終用戶）

• 概述
• 零售
• 媒體與娛樂
• 飯店業
• 衛生保健

第7章 全球非接觸式付款交易市場（按地區）

• 概述
• 北美洲
  • 美國
  • 加拿大
  • 墨西哥
• 歐洲
  • 德國
  • 英國
  • 法國
  • 其他歐洲國家
• 亞太地區
  • 中國
  • 日本
  • 印度
  • 其他亞太地區
• 其他
  • 拉丁美洲
  • 中東和非洲

第8章全球非接觸式付款交易市場競爭格局

• 概述
• 各公司市場排名
• 重點發展策略

第9章 公司簡介

• Barclays Bank PLC
• Ingenico Group
• Wirecard AG
• VeriFone, Inc.
• Proxama PLC
• Gemalto NV

第10章 附錄

• 相關調查

Contactless Payment Transaction Market Valuation - 2026-2032

The rise of mobile wallets and NFC-enabled devices are propelling the adoption of contactless payment transaction. Businesses are increasingly equipping themselves with contactless payment systems to enhance customer experience, this is driving the market size surpass USD 14.36 Billion valued in 2024 to reach a valuation of around USD 34.93 Billion by 2032.

In addition to this, supportive regulations and incentives for digital payments promote the shift towards cashless transactions, this is spurring up the adoption of contactless payment transaction. The expansion of online shopping encourages the adoption of contactless solutions for both in-store and online transactions, this is enabling the market grow at a CAGR of 11.75% from 2026 to 2032.

Contactless Payment Transaction Market: Definition/ Overview

Contactless payment transactions refer to the method of making payments without the need for physical contact between the payment device and the terminal. This technology utilizes Near Field Communication (NFC) or radio-frequency identification (RFID) to enable secure transactions by simply tapping a card, smartphone, or wearable device near a compatible payment terminal. The process is designed to be quick and efficient, enhancing the overall user experience.

Contactless payments are widely used in various sectors, including retail, public transportation, and hospitality. In retail, consumers can make swift purchases at checkout counters by tapping their cards or smartphones, reducing wait times. In public transportation, contactless cards or mobile apps allow users to pay fares seamlessly, promoting cashless travel. Additionally, many businesses are adopting contactless payment solutions to cater to consumer demand for convenience and speed.

How will Rapid Adoption of Smartphones and Wearable Devices Increasing the Adoption of Contactless Payment Transactions?

The rapid adoption of smartphones and wearable devices has significantly propelled the contactless payment transaction market forward. With the global smartphone penetration rate reaching 78% in 2020 according to the Pew Research Center, consumers have increasingly embraced the convenience of mobile wallets and contactless payments. This trend has accelerated in recent years, with Apple announcing in June 2023 that Apple Pay transactions had grown by over 50% year-over-year, demonstrating the growing preference for contactless methods.

The COVID-19 pandemic has acted as a catalyst for contactless payment adoption, as consumers and businesses sought safer, touch-free transaction methods. The U.S. Federal Reserve reported that contactless payments increased by 34% in 2020 compared to the previous year. This shift in consumer behavior has prompted businesses across various sectors to invest in contactless payment infrastructure. In August 2023, Mastercard unveiled its latest innovation, the Biometric Checkout Program, which allows consumers to pay using facial recognition or fingerprints, further expanding contactless options.

Government initiatives and regulations supporting digital payments have also driven market growth. The European Central Bank reported that the share of contactless payments in the euro area rose from 41% in 2019 to 62% in 2022. This surge can be partially attributed to increased contactless payment limits implemented by many European countries during the pandemic. In response to this growing demand, Visa announced in July 2023 the expansion of its Tap to Phone technology to 15 new markets, enabling small businesses to accept contactless payments directly on their smartphones without additional hardware.

Will Lack of Widespread Infrastructure of Contactless Payment Transaction Restrain Its Market Growth?

The free contactless payment transaction market faces several restraints that can impact its growth and adoption. One significant challenge is the lack of widespread infrastructure. Many smaller retailers and businesses may not have the necessary payment terminals or technology to support contactless transactions, limiting consumer access and reducing overall usage.

Another restraint is security concerns. Despite advancements in encryption and security features, some consumers remain wary of potential fraud and data breaches associated with contactless payments. This apprehension can hinder the willingness to adopt these payment methods, especially among older demographics who may be less familiar with the technology.

Additionally, varying regulations across different regions can create complications. Compliance with local laws regarding digital payments can be complex and costly for businesses. This inconsistency may slow the implementation of contactless payment systems, particularly in countries with stringent regulatory frameworks.

Also, competition from alternative payment methods, such as mobile banking and traditional card payments, poses a challenge. As consumers have numerous options for making transactions, the unique benefits of contactless payments must be clearly communicated to encourage greater adoption, or they risk being overlooked in favor of more familiar methods.

Category-Wise Acumens

Will Rise in Adoption of Contactless Mobile Payments Drive Contactless Payment Transaction Market Growth?

Contactless mobile payments have emerged as a dominant force in the contactless payment transaction market, driven by widespread smartphone adoption and evolving consumer preferences. According to the Federal Reserve's 2022 Diary of Consumer Payment Choice, mobile payment usage in the United States increased by 12% from 2020 to 2021. This trend is reflected globally, with consumers increasingly relying on their smartphones for quick and convenient transactions. In August 2023, Google announced the expansion of its Google Wallet to support digital IDs and driver's licenses in select U.S. states, further integrating mobile devices into daily financial interactions.

The rise of near-field communication (NFC) technology has been instrumental in the proliferation of contactless mobile payments. The European Central Bank reported that in 2022, 62% of all in-person card payments in the euro area were contactless, up from 41% in 2019. This significant increase demonstrates the growing consumer comfort with tap-to-pay technology. Capitalizing on this trend, Samsung unveiled its Wallet platform in February 2023, combining digital payments, IDs, and keys in one secure mobile application, enhancing the convenience and versatility of mobile payment solutions.

Which Factors Enhance the Use of Contactless Payment Transaction in Retail Industry?

The retail industry has emerged as a dominant force in the contactless payment transaction market, driven by changing consumer preferences and the need for faster, more convenient checkout experiences. According to the U.S. Department of Commerce, e-commerce sales accounted for 14.6% of total retail sales in the second quarter of 2023, highlighting the growing importance of digital and contactless payment options. This shift has prompted major retailers to invest heavily in contactless payment infrastructure. In September 2023, Walmart announced the expansion of its "Scan & Go" technology to all U.S. stores, allowing customers to scan items and pay using their smartphones, further streamlining the checkout process.

Brick-and-mortar retailers have rapidly adopted contactless payment technologies to remain competitive and meet customer expectations. The UK Finance's Payment Markets Report 2023 revealed that contactless payments accounted for 57% of all card transactions in the UK in 2022, demonstrating the widespread acceptance of this technology in retail settings. This trend has led to innovations in point-of-sale systems. In August 2023, Square introduced its latest contactless payment terminal with a customer-facing display, designed specifically for retail environments to enhance the shopping experience and reduce checkout times.

Country/Region-wise Acumens

Will Early Adoption of Technologies in North America Mature Contactless Payment Transaction Market?

North America has emerged as a dominant force in the contactless payment transaction market, driven by rapid technological adoption and a strong financial infrastructure. According to the Federal Reserve Bank of San Francisco, contactless payments in the United States increased by 150% between 2019 and 2021, indicating a significant shift in consumer behavior. This growth has been further accelerated by the pandemic and the increasing availability of contactless-enabled cards and devices. In August 2023, Visa reported that over 80% of in-person transactions in the U.S. now occur at contactless-enabled merchant locations, showcasing the widespread acceptance of this technology across the region.

The Canadian market has been particularly progressive in contactless payment adoption. Statistics Canada reported that in 2022, 85% of Canadians used contactless payments for in-store purchases, up from 62% in 2019. This high adoption rate has made Canada a key testing ground for innovative payment solutions. In July 2023, Mastercard announced the launch of its biometric payment program in Canada, allowing consumers to authenticate purchases using facial recognition or fingerprints, further enhancing the convenience and security of contactless transactions in the North American market.

Will Rising Industrialization Enhance Adoption of Contactless Payment Transaction in Asia Pacific?

The Asia Pacific region is experiencing rapid growth in the contactless payment transaction market, driven by increasing smartphone penetration and government initiatives promoting digital payments. According to the Reserve Bank of India, the volume of contactless card transactions in the country grew by 187% in FY 2022-23 compared to the previous year. This substantial increase reflects the region's swift adoption of contactless technologies. In July 2023, Alipay+ announced its expansion to South Korea, partnering with local mobile payment service Kakao Pay, further integrating cross-border contactless payment solutions across the Asia Pacific region.

China continues to lead the contactless payment revolution in Asia Pacific, with its advanced mobile payment ecosystem. The People's Bank of China reported that in 2022, mobile payments accounted for 86.4% of all non-cash transactions in the country. This dominance has inspired innovation across the region. In August 2023, Singapore's DBS Bank launched a new feature allowing customers to make contactless ATM withdrawals using QR codes, eliminating the need for physical cards and enhancing convenience while maintaining security.

Competitive Landscape

The contactless payment transaction market is a dynamic and competitive space, characterized by a diverse range of players vying for market share. These players are on the run for solidifying their presence through the adoption of strategic plans such as collaborations, mergers, acquisitions, and political support.

The organizations are focusing on innovating their product line to serve the vast population in diverse regions. Some of the prominent players operating in the contactless payment transaction market include:

• Visa
• Mastercard
• American Express
• PayPal
• Samsung Pay
• Apple Pay
• Google Pay
• Square
• Stripe
• NFC Forum
• Adyen
• Ingenico
• Verifone
• Worldpay
• Zelle
• UnionPay
• EMVCo
• Bluefin
• Toast
• Clover

Latest Developments

• In August 2023, Visa announced the launch of a new contactless payment card that leverages biometric authentication, enhancing security and user convenience for transactions.
• In September 2023, Mastercard partnered with a leading fintech company to introduce a mobile wallet that supports multiple currencies and allows for seamless cross-border contactless payments.

Contactless Payment Transaction Market, By Category

• Mode of Payment:
• Contactless Card
• Wearable Devices
• Contactless Mobile Payment
• End-User:
• Retail
• Media & Entertainment
• Hospitality
• Healthcare
• Region:
• North America
• Europe
• Asia-Pacific
• South America
• Middle East & Africa

TABLE OF CONTENTS

1 INTRODUCTION OF GLOBAL CONTACTLESS PAYMENT TRANSACTION MARKET

• 1.1 Introduction of the Market
• 1.2 Scope of Report
• 1.3 Assumptions

2 EXECUTIVE SUMMARY

3 RESEARCH METHODOLOGY OF VERIFIED MARKET RESEARCH

• 3.1 Data Mining
• 3.2 Validation
• 3.3 Primary Interviews
• 3.4 List of Data Sources

4 GLOBAL CONTACTLESS PAYMENT TRANSACTION MARKET OUTLOOK

• 4.1 Overview
• 4.2 Market Dynamics
  • 4.2.1 Drivers
  • 4.2.2 Restraints
  • 4.2.3 Opportunities
• 4.3 Porters Five Force Model
• 4.4 Value Chain Analysis

5 GLOBAL CONTACTLESS PAYMENT TRANSACTION MARKET, BY MODE OF PAYMENT

• 5.1 Overview
• 5.2 Contactless Card
• 5.3 Wearable Devices
• 5.4 Contactless Mobile Payment

6 GLOBAL CONTACTLESS PAYMENT TRANSACTION MARKET, BY END-USER

• 6.1 Overview
• 6.2 Retail
• 6.3 Media & Entertainment
• 6.4 Hospitality
• 6.5 Healthcare

7 GLOBAL CONTACTLESS PAYMENT TRANSACTION MARKET, BY GEOGRAPHY

• 7.1 Overview
• 7.2 North America
  • 7.2.1 U.S.
  • 7.2.2 Canada
  • 7.2.3 Mexico
• 7.3 Europe
  • 7.3.1 Germany
  • 7.3.2 U.K.
  • 7.3.3 France
  • 7.3.4 Rest of Europe
• 7.4 Asia Pacific
  • 7.4.1 China
  • 7.4.2 Japan
  • 7.4.3 India
  • 7.4.4 Rest of Asia Pacific
• 7.5 Rest of the World
  • 7.5.1 Latin America
  • 7.5.2 Middle East and Africa

8 GLOBAL CONTACTLESS PAYMENT TRANSACTION MARKET COMPETITIVE LANDSCAPE

• 8.1 Overview
• 8.2 Company Market Ranking
• 8.3 Key Development Strategies

9 COMPANY PROFILES

• 9.1 Barclays Bank PLC
  • 9.1.1 Overview
  • 9.1.2 Financial Performance
  • 9.1.3 Product Outlook
  • 9.1.4 Key Developments
• 9.2 Ingenico Group
  • 9.2.1 Overview
  • 9.2.2 Financial Performance
  • 9.2.3 Product Outlook
  • 9.2.4 Key Developments
• 9.3 Wirecard AG
  • 9.3.1 Overview
  • 9.3.2 Financial Performance
  • 9.3.3 Product Outlook
  • 9.3.4 Key Developments
• 9.4 VeriFone, Inc.
  • 9.4.1 Overview
  • 9.4.2 Financial Performance
  • 9.4.3 Product Outlook
  • 9.4.4 Key Developments
• 9.5 Proxama PLC
  • 9.5.1 Overview
  • 9.5.2 Financial Performance
  • 9.5.3 Product Outlook
  • 9.5.4 Key Developments
• 9.6 Gemalto N.V.
  • 9.6.1 Overview
  • 9.6.2 Financial Performance
  • 9.6.3 Product Outlook
  • 9.6.4 Key Developments

10 Appendix

• 10.1 Related Research