市場調查報告書
商品編碼
1359885
支付閘道器市場 - 2018-2028F 全球產業規模、佔有率、趨勢、機會和預測,按類型、企業規模(大型企業和中小企業)、最終用戶、地區、競爭細分Payment Gateway Market - Global Industry Size, Share, Trends, Opportunity, and Forecast, 2018-2028F Segmented By Type, By Enterprise Size (Large Enterprise and Small and Medium Enterprise ), By End User, By Region, Competition |
全球支付閘道器市場預計在預測期內將以快速複合年成長率成長。支付閘道器市場是金融科技(FinTech)產業中快速成長的領域。支付閘道器是一種軟體應用程式,它透過處理透過信用卡和金融卡、電子錢包和其他數位支付方式進行的支付來促進線上交易。支付閘道器充當商家和銀行之間的橋樑,使線上企業能夠安全地接受和處理客戶的付款。商家用來接受客戶金融卡或信用卡付款的技術稱為支付閘道器。該術語涵蓋線上購物車支付處理入口網站以及實體零售店中的實際讀卡硬體。透過在支付入口網站(例如網站、行動應用程式或互動式語音應答服務)和前端處理器或收單銀行之間傳輸資料,支付閘道器可促進支付交易。借助支付閘道器,零售商可以透過多種支付方式啟動電子商務、應用程式內和銷售點交易。閘道器通常是連接商家網站或 POS 系統的 Web 伺服器;它不直接參與資金流動。多個收單銀行和付款選項經常透過支付閘道器連接到一個系統。
當客戶線上上購物時,支付閘道器會安全地收集客戶的付款訊息,然後將其傳遞給支付處理器,後者會與發卡銀行或金融機構驗證該資訊。一旦付款得到驗證,支付閘道器就會向商家發送批准或拒絕訊息,從而完成交易。支付閘道器透過確保安全、快速、準確地處理支付,在促進電子商務交易方面發揮關鍵作用。它還為商家提供了有價值的功能,例如詐欺偵測和預防、定期計費和多貨幣支持,這有助於增加銷售額並提高客戶滿意度。
總體而言,支付閘道器對於任何想要線上上接受數位支付的企業來說都至關重要,因為它們提供了一種安全可靠的方式來處理交易並保護敏感的客戶資訊。在數位支付日益普及和電子商務成長的推動下,全球支付閘道器市場預計將在未來幾年顯著成長。
市場概況 | |
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預測期 | 2024-2028 |
2022 年市場規模 | 145.6億美元 |
2028 年市場規模 | 356.8億美元 |
2023-2028 年複合年成長率 | 16.17% |
成長最快的細分市場 | 政府 |
最大的市場 | 北美洲 |
數位支付的日益普及和電子商務的發展導致全球對支付閘道器解決方案的需求激增。支付閘道器是一種透過授權和處理商家和客戶之間的信用卡、金融卡和其他數位支付交易來促進安全線上交易的服務。隨著電子商務的興起,企業擴大線上上銷售產品和服務,消費者也不斷轉向線上購物以獲得便利性和可近性。這種轉變導致對支付閘道器解決方案的需求不斷成長,這些解決方案可以為商家和消費者提供無縫且安全的線上支付體驗。此外,行動支付、點對點支付和其他數位支付方式的成長進一步加速了對支付閘道器解決方案的需求。消費者擴大使用行動裝置進行購物,企業也透過提供適合行動裝置的付款選項來適應這一趨勢。
行動支付的成長一直是支付閘道器市場的重要推動力。隨著智慧型手機和行動裝置的廣泛採用,越來越多的消費者使用行動支付方式(例如行動錢包和支付應用程式)進行購物。支付閘道器為商家提供安全可靠的方式處理透過行動裝置進行的交易,在促進行動支付方面發揮了關鍵作用。行動支付閘道器使客戶能夠快速輕鬆地完成交易,而無需手動輸入付款訊息,這對於行動用戶來說尤其方便。此外,支付閘道器在解決與行動支付相關的安全問題方面發揮了重要作用。支付閘道器採用加密、標記化和詐欺偵測等先進的安全措施,以確保行動交易的安全性並保護客戶資料。行動支付的成長在新興市場尤其明顯,因為許多消費者無法獲得傳統銀行服務。行動支付閘道器為消費者使用行動裝置進行數位支付提供了一種安全且方便的方式,從而幫助彌合了這一差距。整體而言,行動支付的成長一直是支付閘道器市場的重要驅動力,支付閘道器供應商不斷創新和擴展其服務,以滿足行動支付生態系統中消費者和商家不斷變化的需求。
安全性問題是與實施和管理支付閘道器相關的主要挑戰之一。支付閘道器處理敏感的財務資訊,例如信用卡號和其他支付詳細資訊,使其成為駭客和網路犯罪分子的有吸引力的目標。因此,支付閘道器提供者需要實施強大的安全措施,以防止詐欺、資料外洩和其他安全威脅。這些措施可能包括資料加密、標記化、雙重認證和詐欺偵測工具等。然而,實施和管理這些安全措施可能非常複雜且成本高昂,需要對技術和基礎設施進行大量投資。支付閘道器供應商還必須隨時了解最新的安全威脅和技術,以確保其系統保持安全並符合業界標準。此外,安全性問題也會影響消費者對支付閘道器的信任和信心,進而對採用和使用產生負面影響。消費者在網上購物時需要確信他們的支付資訊是安全的,任何安全漏洞或漏洞都可能削弱這種信任。總體而言,雖然支付閘道器對於處理線上支付至關重要,但與實施和管理這些系統相關的安全挑戰也不容忽視。支付閘道器提供者必須繼續投資強大的安全措施,並隨時了解最新的威脅和技術,以確保其系統保持安全可靠。
根據給定的市場資料,TechSci Research 可根據公司的具體需求提供客製化服務。該報告可以使用以下自訂選項:
(註:公司名單可依客戶要求客製化。)
Global Payment Gateway market is expected to grow at a fast CAGR during the forecast period. The payment gateway market is a rapidly growing sector of the financial technology (FinTech) industry. A payment gateway is a software application that facilitates online transactions by processing payments made through credit and debit cards, e-wallets, and other digital payment methods. Payment gateways act as a bridge between merchants and banks, enabling online businesses to securely accept and process payments from customers. The technology that merchants use to accept debit or credit card payments from customers is known as a payment gateway. The term covers both the online shopping cart payment processing portals as well as the actual card-reading hardware found in physical retail stores. By transferring data between a payment portal (such as a website, mobile app, or interactive voice response service) and the front-end processor or acquiring bank, a payment gateway facilitates a payment transaction. With the aid of payment gateways, retailers can start e-commerce, in-app, and point-of-sale transactions for a wide range of payment methods. The gateway is typically a web server to which a merchant's website or POS system is connected; it is not directly involved in the money flow. Several acquiring banks and payment options are frequently linked together by a payment gateway into a single system.
When a customer makes a purchase online, the payment gateway securely collects the payment information from the customer and then passes it on to the payment processor, which verifies the information with the issuing bank or financial institution. Once the payment is verified, the payment gateway then sends an approval or decline message back to the merchant, allowing the transaction to be completed. Payment gateways play a critical role in facilitating e-commerce transactions by ensuring that payments are processed securely, quickly, and accurately. It also provides merchants with valuable features such as fraud detection and prevention, recurring billing, and multi-currency support, which helps to increase sales and improve customer satisfaction.
Overall, payment gateways have become essential for any business that wants to accept digital payments online, as they provide a secure and reliable way to process transactions and protect sensitive customer information. The global payment gateway market is projected to grow significantly in the coming years, driven by the increasing adoption of digital payments and the growth of e-commerce.
Market Overview | |
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Forecast Period | 2024-2028 |
Market Size 2022 | USD 14.56 Billion |
Market Size 2028 | USD 35.68 Billion |
CAGR 2023-2028 | 16.17% |
Fastest Growing Segment | Government |
Largest Market | North America |
The increasing adoption of digital payments and the growth of e-commerce have led to a surge in the demand for payment gateway solutions across the globe. A payment gateway is a service that facilitates secure online transactions by authorizing and processing credit cards, debit cards, and other digital payment transactions between merchants and customers. With the rise of e-commerce, businesses are increasingly selling products and services online, and consumers are consistently turning to online shopping for convenience and accessibility. This shift has led to a growing demand for payment gateway solutions that can provide a seamless and secure online payment experience for both merchants and consumers. In addition, the growth of mobile payments, peer-to-peer payments, and other digital payment methods has further accelerated the demand for payment gateway solutions. Consumers are increasingly using mobile devices to make purchases, and businesses are adapting to this trend by offering mobile-friendly payment options.
The increasing adoption of digital payments has been a major driver of the growth of the payment gateway market across the globe. A payment gateway is a technology that enables merchants to securely process digital payments, such as credit cards, debit cards, and e-wallets, for online transactions. With the growing popularity of digital payments, merchants are increasingly shifting their businesses online, and consumers are increasingly using digital payment methods to make purchases. This shift has led to a growing demand for payment gateway solutions that can provide a seamless and secure payment experience for both merchants and consumers. The COVID-19 pandemic has also accelerated the adoption of digital payments as more people have turned to online shopping and contactless payments to reduce the risk of transmission. As a result, the payment gateway market is expected to continue to grow rapidly in the coming years.
The growth of mobile payments has been a significant driver of the payment gateway market. With the widespread adoption of smartphones and mobile devices, more consumers are using mobile payment methods, such as mobile wallets and payment apps, to make purchases. Payment gateways have played a critical role in facilitating mobile payments by providing a secure and reliable way for merchants to process transactions made through mobile devices. Mobile payment gateways enable customers to complete transactions quickly and easily, without having to enter their payment information manually, which can be especially convenient for mobile users. In addition, payment gateways have been instrumental in addressing security concerns associated with mobile payments. Payment gateways employ advanced security measures such as encryption, tokenization, and fraud detection to ensure that mobile transactions are secure and protect customer data. The growth of mobile payments has been particularly pronounced in emerging markets, where many consumers lack access to traditional banking services. Mobile payment gateways have helped to bridge this gap by providing a secure and convenient way for consumers to make digital payments using their mobile devices. Overall, the growth of mobile payments has been a significant driver of the payment gateway market, and payment gateway providers continue to innovate and expand their services to meet the evolving needs of consumers and merchants in the mobile payment ecosystem.
Security concerns are one of the major challenges associated with implementing and managing payment gateways. Payment gateways handle sensitive financial information, such as credit card numbers and other payment details, making them attractive targets for hackers and cybercriminals. As a result, payment gateway providers need to implement robust security measures to protect against fraud, data breaches, and other security threats. These measures may include data encryption, tokenization, two-factor authentication, and fraud detection tools, among others. However, implementing and managing these security measures can be complex and costly, requiring significant investment in technology and infrastructure. Payment gateway providers must also stay up to date with the latest security threats and technologies to ensure that their systems remain secure and compliant with industry standards. In addition, security concerns can also impact consumer trust and confidence in payment gateways, which can have a negative impact on adoption and usage. Consumers need to be confident that their payment information is secure when making purchases online, and any security breaches or vulnerabilities can erode this trust. Overall, while payment gateways have become essential for processing online payments, the security challenges associated with implementing and managing these systems cannot be ignored. Payment gateway providers must continue to invest in robust security measures and stay up to date with the latest threats and technologies to ensure that their systems remain secure and reliable.
Based on Type, the market is segmented into Hosted, Bank Integrated and Self-hosted. Based on Enterprise Size, the market is segmented into Large Enterprise and Small and Medium Enterprise (SME). Based on End User, the market is further split into Travel & Hospitality, Retail, Healthcare, Education, Government, Utilities and Others. The market analysis also studies the regional segmentation to devise regional market segmentation, divided among North America, Europe, Asia-Pacific, South America, and Middle East & Africa.
Overall, the payment gateway market is highly competitive, with new players entering the market regularly. As digital payments continue to grow in popularity, the demand for reliable and secure payment processing solutions is expected to increase, driving further innovation and growth in the payment gateway market. Some of the major players in the payment gateway market include PayPal Holdings, Inc., Stripe, Inc., Adyen N.V., Authorize Net Corporation, Square, Inc., CCBill, LLC, Sage Pay Europe Limited, Worldpay Group Limited, Amazon Pay (Amazon.com, Inc.)., sAlipay.com Co Ltd. These companies offer a wide range of payment processing solutions and services to merchants and businesses of all sizes, from small startups to large enterprises.
In this report, the global Payment Gateway 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 Payment Gateway market.
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:
(Note: The companies list can be customized based on the client requirements.)