市場調查報告書
商品編碼
1466714
付款閘道市場:按類型、產業分類 - 2024-2030 年全球預測Payment Gateway Market by Type (Hosted, Integrated), Industry (Aerospace & Defense, Automotive & Transportation, Banking, Financial Services & Insurance) - Global Forecast 2024-2030 |
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預計2023年付款閘道市場規模為747.9億美元,預計2024年將達858.7億美元,2030年將達2111.8億美元,複合年成長率為15.98%。
指電子商務服務供應商為電子商務、線上零售商、實體店和傳統實體店提供信用卡核准和直接付款處理的高級商家服務。充當商戶網站和收單銀行之間的中介,促進付款資訊的安全傳輸。付款閘道在數位經濟中至關重要,可確保交易快速且安全地進行,保護敏感的財務資料,並允許企業接受多樣化的付款流程。快速成長的電子商務產業和行動商務的成長增加了對付款閘道解決方案的需求。此外,國際貿易的增加需要能夠適應不同貨幣和法規的強大付款閘道。然而,由於相容性問題,將付款閘道整合到某些網路商店或網站平台可能無法實現。此外,儘管取得了進步,但安全漏洞仍然是一個主要問題,並且可能會損害用戶的信任。然而,玩家透過使用高級加密通訊協定在傳輸過程中加密敏感付款資料來解決安全性問題。此外,透過利用機器學習和人工智慧技術,還可以建立即時檢測和防止詐欺的預測模型。此外,透過簡化交易流程並使其更易於使用,我們可以提高交易的成功率,並為行業開闢新的成長途徑。
主要市場統計 | |
---|---|
基準年[2023] | 747.9億美元 |
預測年份 [2024] | 858.7億美元 |
預測年份 [2030] | 2111.8億美元 |
複合年成長率(%) | 15.98% |
類型:中小型企業對託管付款閘道的需求不斷成長
託管付款閘道是一種外部付款服務,客戶可以從商家的結帳頁面重新導向到付款服務供應商(PSP) 平台以完成交易。付款完成後,客戶將被重新導向到商家的網站。託管付款閘道對於缺乏資源來實現更高安全合規性或更喜歡依賴第三方服務供應商提供的簡單易用的設定的中小型企業非常有用。整合付款閘道提供無摩擦的結帳體驗,因為客戶可以直接在商家的網站上完成購買,而無需重新導向。應用程式介面 (API) 或安全超文本傳輸通訊協定(HTTPS)查詢用於在商家和付款服務供應商之間安全地通訊付款資訊。大型企業和那些優先考慮客戶體驗的企業可以選擇整合付款閘道。它可以提供無縫的交易流程,有助於提高轉換率並控制結帳體驗。
產業 銀行、金融服務和保險業採用付款閘道來實現無縫、安全的交易
航太和國防工業經常涉及大額交易和國際付款,因此需要安全可靠的付款系統。提供者必須提供強而有力的詐欺預防措施,並遵守《國際武器貿易條例》(ITAR) 和《出口管理條例》(EAR) 等國際法規。該領域專注於無縫 B2C 和 B2B付款體驗,特別是考慮到線上車輛購買和全球供應鏈交易的增加。銀行、金融服務和保險 (BFSI) 領域的付款閘道優先考慮安全性、合規性以及與現有金融系統的整合。保險科技公司也整合先進的付款解決方案以改善客戶體驗。房地產交易的性質需要靈活的付款解決方案,可以處理託管、大額一次性付款以及服務和租金的定期申請。零售公司優先考慮提供快速結帳體驗、忠誠度計畫整合和全通路付款功能的付款閘道。教育機構需要付款閘道以最低的費用支持學費、捐款和其他學術費用。對於能源和公共事業公司來說,可靠性和支援定期申請的能力至關重要。政府機構需要安全、易於存取且能夠支援各種交易類型的付款解決方案。醫療保健付款閘道必須遵守《健康保險互通性與課責法案》(HIPAA) 等法規,並為醫療保健服務提供安全、私密的交易。資訊科技 (IT) 和通訊公司需要靈活的付款解決方案來支援軟體授權、訂閱和雲端服務。製造公司需要多功能的付款解決方案來處理複雜的 B2B 交易和國際貿易。媒體和娛樂產業青睞能夠與訂閱服務、門票銷售和數位內容銷售整合的付款閘道。旅遊和酒店業需要支援動態定價、季節性費率和大批量交易的付款閘道。
區域洞察
在美洲,特別是在美國和加拿大,付款閘道市場的特點是精通技術的消費者,他們熟悉並適應線上交易。美國在創新方面處於領先地位,多家主要付款閘道供應商都來自該地區。激烈的競爭、對金融科技新興企業的大量投資以及行動付款的使用正在塑造這個市場。歐洲是一個多元化的市場,其數位化普及程度各不相同。歐盟國家受益於簡化跨境貿易的單一市場框架。付款服務指令 2 (PSD2) 和開放銀行業務的採用正在推動創新並導致替代付款方式的增加。專利和舉措的重點是提高安全性、整合生物識別和提高交易速度。同時,中東正經歷數位轉型,對金融科技進行了大量投資。該地區正在邁向無現金社會,阿拉伯聯合大公國等國家在採用數位錢包方面處於領先地位。亞太地區的付款閘道市場呈現顯著成長,反映了每個國家多樣化的消費者需求和購買行為。中國市場先進,2D碼付款和區塊鏈技術的創新專利確保了永續的電子商務環境。隨著政府數位化的推動,印度的付款閘道生態系統正在蓬勃發展,導致行動錢包使用和統一付款介面(UPI)系統激增。
FPNV定位矩陣
FPNV定位矩陣對於評估付款閘道市場至關重要。我們檢視與業務策略和產品滿意度相關的關鍵指標,以對供應商進行全面評估。這種深入的分析使用戶能夠根據自己的要求做出明智的決策。根據評估,供應商被分為四個成功程度不同的像限:前沿(F)、探路者(P)、利基(N)和重要(V)。
市場佔有率分析
市場佔有率分析是一種綜合工具,可以對付款閘道市場中供應商的現狀進行深入而詳細的研究。全面比較和分析供應商在整體收益、基本客群和其他關鍵指標方面的貢獻,以便更好地了解公司的績效及其在爭奪市場佔有率時面臨的挑戰。此外,該分析還提供了對該行業競爭特徵的寶貴見解,包括在研究基準年觀察到的累積、分散主導地位和合併特徵等因素。詳細程度的提高使供應商能夠做出更明智的決策並制定有效的策略,從而在市場上獲得競爭優勢。
1. 市場滲透率:提供有關主要企業所服務的市場的全面資訊。
2. 市場開拓:我們深入研究利潤豐厚的新興市場,並分析其在成熟細分市場的滲透率。
3. 市場多元化:提供有關新產品發布、開拓地區、最新發展和投資的詳細資訊。
4. 競爭評估和情報:對主要企業的市場佔有率、策略、產品、認證、監管狀況、專利狀況和製造能力進行全面評估。
5. 產品開發與創新:提供對未來技術、研發活動和突破性產品開發的見解。
1.付款閘道市場的市場規模和預測是多少?
2.付款閘道市場預測期間內需要考慮投資的產品、細分市場、應用程式和領域有哪些?
3.付款閘道市場的技術趨勢和法規結構是什麼?
4.付款閘道市場主要廠商的市場佔有率為何?
5.進入付款閘道市場合適的型態和策略手段是什麼?
[198 Pages Report] The Payment Gateway Market size was estimated at USD 74.79 billion in 2023 and expected to reach USD 85.87 billion in 2024, at a CAGR 15.98% to reach USD 211.18 billion by 2030.
A payment gateway refers to an advanced merchant service provided by an e-commerce service provider to authorize credit card and direct payment processing for e-businesses, online retailers, bricks and clicks, or traditional brick-and-mortar businesses. It acts as the intermediary between a merchant's website and the acquiring bank, facilitating the secure transmission of payment information. Payment gateways are essential in the digital economy, ensuring that transactions are carried out promptly and securely, safeguarding sensitive financial data, and enabling businesses to accept a diverse range of payment processes. The burgeoning e-commerce sector and the growth of mobile commerce have led to a growing need for payment gateway solutions. Additionally, the rise in international trade necessitates robust payment gateways that can handle varying currencies and regulations. However, the integration of the payment gateways with certain online stores or website platforms may not be possible due to compatibility issues. Furthermore, despite advancements, security breaches remain a significant concern, potentially undermining user confidence. However, players are using advanced encryption protocols to encrypt sensitive payment data during transmission, which can combat security concerns. Leveraging machine learning and AI technologies can also help in creating predictive models to detect and prevent fraud in real time. Moreover, streamlining transaction processes to make them more user-friendly can increase transaction success rates and create new avenues of growth for the industry.
KEY MARKET STATISTICS | |
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Base Year [2023] | USD 74.79 billion |
Estimated Year [2024] | USD 85.87 billion |
Forecast Year [2030] | USD 211.18 billion |
CAGR (%) | 15.98% |
Type: Growing need for hosted payment gateways among small and medium-sized businesses
Hosted payment gateways are external payment services where the customer is redirected away from the merchant's checkout page to the payment service provider's (PSP) platform to complete the transaction. Upon completing the payment, the customer is then redirected back to the merchant's site. Hosted payment gateways are often preferred by small to medium-sized businesses (SMEs) that may lack the resources to implement higher levels of security compliance or those who prefer the simplicity and ease of setup offered by relying on a third-party service provider. Integrated payment gateways provide a frictionless checkout experience as they allow customers to complete purchases directly on the merchant's website without redirection. Application programming interface (API) or hypertext transfer protocol secure (HTTPS) queries are used to communicate payment information securely between the merchant and the payment service provider. Larger businesses or those prioritizing customer experience may opt for an integrated payment gateway. It offers a seamless transaction process that can contribute to higher conversion rates and control over the checkout experience.
Industry: Adoption of payment gateways in the banking, financial services & insurance sector to ensure seamless and secure transactions
The aerospace and defense industry requires highly secure and reliable payment systems due to the sensitive nature of transactions, often involving large sums and international settlements. Providers must offer robust fraud protection and compliance with international regulations such as International Traffic in Arms Regulations (ITAR) or Export Administration Regulations (EAR). This sector focuses on seamless B2C and B2B payment experiences, especially considering the rise in online vehicle purchases and global supply chain transactions. Payment gateways for the banking, financial services, & insurance (BFSI) sector prioritize security, compliance, and integration with existing financial systems. Insurtech companies are also integrating advanced payment solutions to improve the customer experience. The nature of real estate transactions necessitates flexible payment solutions that can handle escrows, large one-time payments, and recurring charges for services or rent. Retailers prioritize payment gateways that offer a fast checkout experience, loyalty program integration, and omnichannel payment capabilities. Educational institutions need payment gateways that support tuition payments, donations, and other school fees with minimal fees. For energy and utility companies, reliability and the ability to handle recurring billing are paramount. Government entities require payment solutions that are secure, accessible, and capable of handling a variety of transaction types. Healthcare payment gateways must comply with regulations such as the Health Insurance Portability and Accountability Act (HIPAA), offering secure and private transactions for medical services. Information Technology (IT) and telecommunication companies require flexible payment solutions that can support software licensing, subscriptions, and cloud services. Manufacturers deal with complex B2B transactions and international trade, requiring versatile payment solutions. The media & entertainment sector favors payment gateways that integrate with subscription services, ticketing, and digital content sales. The travel and hospitality industry needs payment gateways that support dynamic pricing, seasonal rates, and high transaction volumes.
Regional Insights
In the Americas, specifically the United States and Canada, the payment gateway market is characterized by technologically savvy consumers with a high degree of familiarity and comfort with online transactions. The United States leads in innovation with several major payment gateway providers originating from the region. Active competition, substantial investments in fintech startups, and heavy usage of mobile payments shape this market. Europe presents a diverse market with varying levels of digital penetration. The EU countries benefit from a single market framework, which simplifies cross-border transactions. The adoption of Payment Services Directive Two (PSD2) and open banking has fostered innovation, leading to an increase in alternative payment methods. Patents and initiatives focus on enhancing security, integration of biometric authentication, and improving transaction speeds. Meanwhile, the Middle East is witnessing a digital transformation with significant investments in fintech. The region is becoming increasingly cashless, with economies such as the UAE leading in the adoption of digital wallets. The APAC region shows tremendous growth in the payment gateway market, reflecting diverse consumer needs and purchasing behaviors across various countries. China's market is advanced, and its measures to ensure a sustainable e-commerce environment have led to innovative patents in QR code payments and blockchain technology. India's payment gateway ecosystem is thriving due to the government's push for digitalization, leading to a surge in mobile wallet usage and Unified Payments Interface (UPI) systems.
FPNV Positioning Matrix
The FPNV Positioning Matrix is pivotal in evaluating the Payment Gateway Market. It offers a comprehensive assessment of vendors, examining key metrics related to Business Strategy and Product Satisfaction. This in-depth analysis empowers users to make well-informed decisions aligned with their requirements. Based on the evaluation, the vendors are then categorized into four distinct quadrants representing varying levels of success: Forefront (F), Pathfinder (P), Niche (N), or Vital (V).
Market Share Analysis
The Market Share Analysis is a comprehensive tool that provides an insightful and in-depth examination of the current state of vendors in the Payment Gateway Market. By meticulously comparing and analyzing vendor contributions in terms of overall revenue, customer base, and other key metrics, we can offer companies a greater understanding of their performance and the challenges they face when competing for market share. Additionally, this analysis provides valuable insights into the competitive nature of the sector, including factors such as accumulation, fragmentation dominance, and amalgamation traits observed over the base year period studied. With this expanded level of detail, vendors can make more informed decisions and devise effective strategies to gain a competitive edge in the market.
Key Company Profiles
The report delves into recent significant developments in the Payment Gateway Market, highlighting leading vendors and their innovative profiles. These include Adyen, Amazon.Com, Inc., Ant Group Co., Ltd., Apple Inc., BitPay Inc., Block, Inc., BlueSnap Inc., Cardstream Limited, CCBill, LLC, Fiserv, Inc., Flagship Merchant Services, GoCardless Ltd., Infibeam Avenues Limited, Ingenico Group S.A., JPMorgan Chase & Co., Mastercard Incorporated, Merchant Warrior, PayPal Holdings, Inc., PayU Group, Razorpay Software Private Limited, Shift4 Payments, LLC, Skrill Limited, Stripe Inc., Tazapay PTE. LTD., VeriFone, Inc., Visa Inc., Wirecard AG, and Zaakpay.
Market Segmentation & Coverage
1. Market Penetration: It presents comprehensive information on the market provided by key players.
2. Market Development: It delves deep into lucrative emerging markets and analyzes the penetration across mature market segments.
3. Market Diversification: It provides detailed information on new product launches, untapped geographic regions, recent developments, and investments.
4. Competitive Assessment & Intelligence: It conducts an exhaustive assessment of market shares, strategies, products, certifications, regulatory approvals, patent landscape, and manufacturing capabilities of the leading players.
5. Product Development & Innovation: It offers intelligent insights on future technologies, R&D activities, and breakthrough product developments.
1. What is the market size and forecast of the Payment Gateway Market?
2. Which products, segments, applications, and areas should one consider investing in over the forecast period in the Payment Gateway Market?
3. What are the technology trends and regulatory frameworks in the Payment Gateway Market?
4. What is the market share of the leading vendors in the Payment Gateway Market?
5. Which modes and strategic moves are suitable for entering the Payment Gateway Market?