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市場調查報告書
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1336668

全球數位支付市場 - 2023-2030

Global Digital Payment Market - 2023-2030

出版日期: | 出版商: DataM Intelligence | 英文 181 Pages | 商品交期: 約2個工作天內

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簡介目錄

市場概況

全球數位支付市場在2022年達到862億美元,預計到2030年將達到2749億美元,2023-2030年預測期間年複合成長率為15.6%。

數位支付方式提供了多種支付方式,與傳統支付方式相比,這些方式易於使用。消費者可以隨時隨地進行交易,無需攜帶現金或銀行卡。這消除了攜帶現金、排隊等候或手動輸入卡詳細資訊的麻煩,這些都是主要的市場促進因素。

亞太地區擁有世界上不斷成長的電子商務市場,其中包括中國和印度。該地區數位購物平台的興起增加了對數位支付解決方案的需求,因為該地區的消費者正在尋找方便且安全的線上購物方式,這增加了對數位支付解決方案的需求。印度、日本、中國和韓國等國家是該地區的主要收入貢獻者,覆蓋地區超過66.4%。

該地區的公司也在投資提陞技術。例如,2023 年 5 月 3 日,全球數位支付公司 FIS 旗下的 Worldpay 計劃增強其在印度的跨境支付解決方案,以支持印度商家向全球擴張。

FIS 亞太區業務 Worldpay 商務副總裁 Yvonne Szeto 表示,該公司有興趣與在國際上銷售商品和服務的國內商家合作。 Worldpay 旨在利用其在多個地區的影響力,幫助這些企業克服挑戰並擴大其在全球市場的影響力。

市場動態

全球推廣數位支付的舉措

中國政府在開發中央銀行數位貨幣(即 DCEP 或數位人民幣)方面採取了重大步驟。例如,2021 年 3 月 5 日,政府採取了一項舉措,旨在通過提供安全、便捷的數位支付系統來徹底改變支付格局。為了增強金融包容性,數位人民幣旨在為服務不足的人群提供金融服務並促進經濟參與。

此外,菲律賓作為優於現金聯盟的創始成員,積極致力於加速數位經濟成長,促進普惠性數位支付。例如,2023 年 7 月 17 日,政府和菲律賓中央銀行 (BSP) 在這一旅程中表現出了卓越的領導力,菲律賓的支付數位化之旅見證了數位交易的廣泛採用。

電商平台助推數位支付成長

行動支付解決方案使客戶能夠直接通過移動設備購物。網際網路接入的日益普及也促進了數位支付的成長。各種數位錢包,例如電話支付、谷歌支付​​和 Paytm,用戶可以在其中存儲一些錢並收到現金返還優惠。這些錢包提供了一種便捷的方式來存儲支付資訊並在不同的線上平台上進行交易。

Snapdeal 與印度國家支付公司 (NPCI) 合作,在交付訂單時為客戶推出基於二維碼的數位支付。例如,2020 年 12 月 18 日,Snapdeal 為那些喜歡在交貨時付款而不是預付款的客戶採取了這一舉措。送貨主管將為訂單金額生成一個與 UPI 鏈接的二維碼,客戶可以使用手機上任何與 UPI 鏈接的支付應用程式掃描該二維碼。 Snapdeal 和 NPCI 之間的合作結合了雙方的優勢,瞄準共同受眾並推廣無憂數位支付。

用戶可達性和供電不足

數位支付要求用戶能夠訪問並熟悉數位設備,例如智慧手機或電腦,以及必要的軟體應用程式或支付平台。對於缺乏所需技術素養或無法使用這些設備的個人來說,這可能是一個障礙。

數位支付系統依賴穩定的電源才能有效運行。在電力基礎設施不可靠或經常停電的地區,在此期間進行數位交易可能會變得具有挑戰性或不可能。由於這些因素,數位支付市場的需求下降。

COVID-19 影響分析

此次疫情提高了消費者對安全可靠支付方式重要性的認知。消費者擴大採用數位支付解決方案,因為他們首先優先考慮數據安全、欺詐預防和防止未經授權的交易。這些因素增加了數位支付市場的需求。

二維碼支付在疫情期間受到歡迎,因為它們可以通過智慧手機掃描二維碼實現非接觸式交易。二維碼已被包括小商戶在內的企業廣泛採用,因為它們提供了一種經濟高效且簡單的支付解決方案。 COVID-19 大流行加速了數位支付系統的發展。

人工智慧的影響

人工智慧驅動的聊天機器人和虛擬助理在數位支付平台的客戶支持中越來越受歡迎。這些對話代理處理客戶查詢,提供交易幫助並提供即時支持,以提高客戶參與度並減少響應時間。

人工智慧主要應用於數位支付,提高效率,為用戶提供更好的服務。例如,2023 年 2 月 7 日,在印度,數位印度計劃促成了 India Stack 的開發,這是一組支持數位交易和服務的開放 API。 Aadhaar 層提供基於生物識別的數位身份,UPI 介面徹底改變了數位支付,這使得印度的數位支付網路成為全球最大的網路之一。

俄羅斯-烏克蘭戰爭影響

這些地區之間的地緣政治緊張局勢導致實施經濟制裁。這些制裁可能會影響國際支付網路和金融服務的可用性,從而影響跨境交易和金融關係。衝突造成的不確定性會造成支付方式的不穩定。

政府的政治和軍事緊張局勢影響了消費者對數位支付系統的信心和信任。對數據安全、隱私和財務穩定性的擔憂可能會影響消費者行為和數位支付方式的採用。消費者行為的轉變減緩了數位支付市場的成長。

目錄

第 1 章:方法和範圍

  • 研究方法論
  • 報告的研究目的和範圍

第 2 章:定義和概述

第 3 章:執行摘要

  • 按組件分類
  • 付款方式摘要
  • 部署片段
  • 按組織規模分類
  • 最終用戶的片段
  • 按地區分類

第 4 章:動力學

  • 影響因素
    • 動力
      • 全球推廣數位支付的舉措
      • 電商平台助推數位支付成長
    • 限制
      • 有限的連接和網路安全威脅
      • 用戶可達性和供電不足
    • 機會
    • 影響分析

第 5 章:行業分析

  • 波特五力分析
  • 供應鏈分析
  • 定價分析
  • 監管分析

第 6 章:COVID-19 分析

  • COVID-19 分析
    • 新冠疫情爆發前的情景
    • 新冠疫情期間的情景
    • 新冠疫情后的情景
  • COVID-19 期間的定價動態
  • 供需譜
  • 疫情期間政府與市場相關的舉措
  • 製造商戰略舉措
  • 結論

第 7 章:按組件

  • 解決方案
  • 解決方案

第 8 章:按付款方式

  • 銷售點
  • 數位錢包
  • 銀行卡
  • 數位貨幣
  • 網上銀行
  • 其他

第 9 章:通過部署

  • 本地

第 10 章:按組織規模

  • 大型企業
  • 中小企業

第 11 章:最終用戶

  • 銀行業
  • 金融服務和保險
  • 衛生保健
  • 零售及電子商務
  • 運輸
  • 旅遊和酒店業
  • 媒體和娛樂
  • 運輸與物流
  • 其他

第 12 章:按地區

  • 北美
    • 美國
    • 加拿大
    • 墨西哥
  • 歐洲
    • 德國
    • 英國
    • 法國
    • 義大利
    • 俄羅斯
    • 歐洲其他地區
  • 南美洲
    • 巴西
    • 阿根廷
    • 南美洲其他地區
  • 亞太
    • 中國
    • 印度
    • 日本
    • 澳大利亞
    • 亞太其他地區
  • 中東和非洲

第13章:競爭格局

  • 競爭場景
  • 市場定位/佔有率分析
  • 併購分析

第 14 章:公司簡介

  • MasterCard
    • 公司簡介
    • 產品組合和描述
    • 財務概覽
    • 主要進展
  • Google
  • Amazon
  • Alipay
  • Visa
  • PayPal
  • ACI Worldwide
  • Aurus
  • Apple Pay
  • Paysafe

第 15 章:附錄

簡介目錄
Product Code: ICT3480

Market Overview

Global Digital Payments Market reached US$ 86.2 billion in 2022 and is expected to reach US$ 274.9 billion by 2030, growing with a CAGR of 15.6% during the forecast period 2023-2030.

Digital payment methods offer a wide variety of payment modes, when compared to traditional payment methods, these methods are easy to use. Consumers can make transactions anytime, anywhere, without the need for physical cash or cards. This eliminates the hassle of carrying cash, waiting in lines, or manually entering card details which act as a major market driver.

Asia-Pacific has the growing e-commerce markets in the world, that include China and India. The rise of digital shopping platforms in this region increased the demand for digital payment solutions, as consumers in this region are looking for convenient and safer ways to make online purchases which have boosted the demand for digital payment solutions. Countries like India, Japan, China, and South Korea are the major revenue contributor in the region covering more than 66.4% regionally.

Companies in the region are also investing in boosting technology. For instance, On 3 May 2023, Worldpay from FIS, a global digital payments company plans to enhance its cross-border payment solutions in India to support Indian merchants in expanding globally.

Yvonne Szeto, Vice President of Commercial for Worldpay from FIS's Asia-Pacific business expresses the company's interest in collaborating with domestic merchants who sell goods and services internationally. Leveraging its presence in multiple geographies, Worldpay aims to assist these businesses in overcoming challenges and expanding their reach in global markets.

Market Dynamics

Worldwide Initiatives for the Promotion of Digital Payments

China's Government has taken significant steps in the development of its central bank digital currency, known as DCEP or digital yuan. For instance, on, 5 Mar 2021, an Initiative taken by the government aimed to revolutionize the payment landscape by offering a secure and convenient digital payment system. To enhance financial inclusion, the digital yuan aims to provide access to financial services for underserved populations and promote economic participation.

Furthermore, the Philippines, as a founding member of the Better Than Cash Alliance, has actively working towards accelerating the growth of the digital economy and promoting inclusive digital payments. For instance, On 17 July 2023, The government and the Bangko Sentral ng Pilipinas (BSP) have shown exceptional leadership in this journey, Philippines' journey towards digitalization of payments has witnessed widespread adoption of digital transactions.

E-commerce Platform Boost the Growth of Digital Payment

Mobile payment solutions enable customers to shop directly from mobile devices. Increasing availability of internet access also boost the growth of digital payment. Various digital wallets such as phone pay, google pay, and Paytm in which users can store some money and as they receive cashback offers. These wallets offer a convenient way to store payment information and make transactions available on different online platforms.

Snapdeal, in partnership with the National Payments Corporation of India (NPCI), introduces QR-based digital payments for customers at the time of delivering orders. For instance, On 18 Dec 2020, This initiative was taken by Snapdeal for those customers who prefer to pay for their purchases upon delivery rather than pre-paying. Delivery executives will generate a UPI-linked QR code for the order amount, which customers can scan using any UPI-linked payment app on their phones. This collaboration between Snapdeal and NPCI aligns their strengths to target a common audience and promote hassle-free digital payments.

User Accessibility and Insufficient Power Supply

Digital payments require users to have access to and familiarity with digital devices, such as smartphones or computers, and the necessary software applications or payment platforms. This can be a barrier for individuals who lack the required technological literacy or access to these devices.

Digital payment systems rely on a stable power supply to function effectively. In regions with unreliable electricity infrastructure or frequent power outages, conducting digital transactions can become challenging or impossible during such times. Due to these factors, there is a decrease in demand for the digital payment market.

COVID-19 Impact Analysis

The pandemic has heightened consumer awareness of the importance of secure and trustworthy payment methods. Consumers increasingly adopting digital payment solutions as they first prioritize data security, fraud prevention, and protection against unauthorized transactions. These factors increase the demand in the digital payment market.

QR code payments have gained popularity during the pandemic, as they enable contactless transactions through scanning codes with smartphones. QR codes have been widely adopted by businesses, including small merchants, as they offer a cost-effective and simple payment solution. The COVID-19 pandemic accelerated the growth of digital payment systems.

AI Impact

AI-powered chatbots and virtual assistants are becoming popular in customer support for digital payment platforms. These conversational agents handle customer queries, provide assistance with transactions and offer real-time support that improves customer engagement and reduces response times.

AI is mainly used in digital payments that enhance efficiency and provide better services to users. For instance, On 7 Feb 2023, in India, the Digital India program led to the development of the India Stack, a set of open APIs that enable digital transactions and services. The Aadhaar layer provides biometric-based digital identities and the UPI interface has revolutionized digital payments, which makes India's digital payment network one of the largest networks globally.

Russia-Ukraine War Impact

Geopolitical tensions between these regions lead to the imposition of economic sanctions. These sanctions may impact the availability of international payment networks and financial services, affecting cross-border transactions and financial relationships. Uncertainty due to conflicts creates instability in payment methods.

Government political and military tensions impact consumer confidence and trust in digital payment systems. Concerns about data security, privacy, and financial stability may influence consumer behavior and adoption of digital payment methods. The shift in consumer behavior slows down the growth of the digital payment market.

Segment Analysis

The global digital payment market is segmented based on component, mode of payment, deployment, organization size, end-user, and region.

Growth in the Financial Industry

The digital payment bank sector has experienced significant growth in recent years leading it over nearly 22.3% in 2022. Consumer shifts towards cashless payments as they are adopting digital payment, these factors increase the growth of the banking sector and act as a key player in the financial industry. These banks provide convenient and accessible platforms for individuals and businesses to carry out various financial transactions.

HDFC Bank, India's largest private sector lender, For instance, On 14 July 2023, has announced the implementation of interoperability between the United Payment Interface (UPI) and the country's Central Bank Digital Currency (CBDC). This makes HDFC Bank one of the first banks in India to complete the integration process. Under the CBDC pilot program, the bank has registered over 1 lakh customers and 1.7 lakh merchants. HDFC Bank customers can now use their CBDC wallet to transact money across UPI QR codes without the need to scan different QR codes at the same merchant. This development is expected to boost the usage of CBDC in day-to-day transactions.

Geographical Penetration

Digital Payment Innovations and Collaborations in Asia-Pacific

The rapid growth of fintech in Asia-Pacific has revolutionized the digital payment landscape making it cover more than 52.3% globally. Fintech companies are introducing many different innovative payment solutions that include mobile wallets, QR code payments, and peer-to-peer transfers these innovations in technology are gaining popularity among consumers and businesses. These factors boost the growth of the digital payment market.

Hitachi Payment Services has launched a digital payments innovation hub in collaboration with fintech startups in India. For instance, on, 17 Jun 2023, The partnership aims to bring innovative products and platforms into the Hitachi Payments ecosystem, providing startups with capital, integration with Hitachi's payment stack, and access to its customer network and platform. The hub will focus on building future-ready offerings in the digital payments arena, catering to the evolving needs of businesses and consumers.

The collaboration with Plug and Play will help identify and support startups shaping the financial services industry in the region. This initiative reflects the commitment to drive growth and innovation in the payments industry.

Competitive Landscape

The major global players include MasterCard, Google, Amazon, Alipay, Visa, PayPal, ACI Worldwide, Aurus, Apple Pay, and Paysafe.

Why Purchase the Report?

  • To visualize the global digital payment market segmentation based on component, mode of payment, deployment, organization size, end-user, and region, as well as understand key commercial assets and players.
  • Identify commercial opportunities by analyzing trends and co-development.
  • Excel data sheet with numerous data points of bioplastics market-level with all segments.
  • PDF report consists of a comprehensive analysis after exhaustive qualitative interviews and an in-depth study.
  • Product mapping available as Excel consisting of key products of all the major players.

The global digital payment market report would provide approximately 77 tables, 83 figures, and 181 Pages.

Target Audience 2023

  • Manufacturers/ Buyers
  • Industry Investors/Investment Bankers
  • Research Professionals
  • Emerging Companies

Table of Contents

1. Methodology and Scope

  • 1.1. Research Methodology
  • 1.2. Research Objective and Scope of the Report

2. Definition and Overview

3. Executive Summary

  • 3.1. Snippet by Component
  • 3.2. Snippet by Mode of Payment
  • 3.3. Snippet by Deployment
  • 3.4. Snippet by Organization Size
  • 3.5. Snippet by End-User
  • 3.6. Snippet by Region

4. Dynamics

  • 4.1. Impacting Factors
    • 4.1.1. Drivers
      • 4.1.1.1. Worldwide Initiatives for the Promotion of Digital Payments
      • 4.1.1.2. E-commerce Platform Boost the Growth of Digital Payment
    • 4.1.2. Restraints
      • 4.1.2.1. Limited Connectivity and Cybersecurity Threats
      • 4.1.2.2. User Accessibility and Insufficient Power Supply
    • 4.1.3. Opportunity
    • 4.1.4. Impact Analysis

5. Industry Analysis

  • 5.1. Porter's Five Force Analysis
  • 5.2. Supply Chain Analysis
  • 5.3. Pricing Analysis
  • 5.4. Regulatory Analysis

6. COVID-19 Analysis

  • 6.1. Analysis of COVID-19
    • 6.1.1. Scenario Before COVID
    • 6.1.2. Scenario During COVID
    • 6.1.3. Scenario Post COVID
  • 6.2. Pricing Dynamics Amid COVID-19
  • 6.3. Demand-Supply Spectrum
  • 6.4. Government Initiatives Related to the Market During Pandemic
  • 6.5. Manufacturers Strategic Initiatives
  • 6.6. Conclusion

7. By Component

  • 7.1. Introduction
    • 7.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Component
    • 7.1.2. Market Attractiveness Index, By Component
  • 7.2. Solution*
    • 7.2.1. Introduction
    • 7.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
  • 7.3. Solution

8. By Mode of Payment

  • 8.1. Introduction
    • 8.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Mode of Payment
    • 8.1.2. Market Attractiveness Index, By Mode of Payment
  • 8.2. Point of Sales*
    • 8.2.1. Introduction
    • 8.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
  • 8.3. Digital Wallet
  • 8.4. Bank Cards
  • 8.5. Digital Currencies
  • 8.6. Net Banking
  • 8.7. Others

9. By Deployment

  • 9.1. Introduction
    • 9.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Deployment
    • 9.1.2. Market Attractiveness Index, By Deployment
  • 9.2. Cloud*
    • 9.2.1. Introduction
    • 9.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
  • 9.3. On-premises

10. By Organization Size

  • 10.1. Introduction
    • 10.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Organization Size
    • 10.1.2. Market Attractiveness Index, By Organization Size
  • 10.2. Large Enterprises*
    • 10.2.1. Introduction
    • 10.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
  • 10.3. Small and Medium-sized Enterprises

11. By End-User

  • 11.1. Introduction
    • 11.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
    • 11.1.2. Market Attractiveness Index, By End-User
  • 11.2. Banking*
    • 11.2.1. Introduction
    • 11.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
  • 11.3. Financial Service and Insurance
  • 11.4. Healthcare
  • 11.5. Retail and E-commerce
  • 11.6. Transportation
  • 11.7. Travel and Hospitality
  • 11.8. Media and Entertainment
  • 11.9. Transportation and Logistics
  • 11.10. Others

12. By Region

  • 12.1. Introduction
    • 12.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Region
    • 12.1.2. Market Attractiveness Index, By Region
  • 12.2. North America
    • 12.2.1. Introduction
    • 12.2.2. Key Region-Specific Dynamics
    • 12.2.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Component
    • 12.2.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Mode of Payment
    • 12.2.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By Deployment
    • 12.2.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Organization Size
    • 12.2.7. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
    • 12.2.8. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
      • 12.2.8.1. U.S.
      • 12.2.8.2. Canada
      • 12.2.8.3. Mexico
  • 12.3. Europe
    • 12.3.1. Introduction
    • 12.3.2. Key Region-Specific Dynamics
    • 12.3.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Component
    • 12.3.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Mode of Payment
    • 12.3.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By Deployment
    • 12.3.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Organization Size
    • 12.3.7. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
    • 12.3.8. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
      • 12.3.8.1. Germany
      • 12.3.8.2. UK
      • 12.3.8.3. France
      • 12.3.8.4. Italy
      • 12.3.8.5. Russia
      • 12.3.8.6. Rest of Europe
  • 12.4. South America
    • 12.4.1. Introduction
    • 12.4.2. Key Region-Specific Dynamics
    • 12.4.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Component
    • 12.4.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Mode of Payment
    • 12.4.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By Deployment
    • 12.4.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Organization Size
    • 12.4.7. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
    • 12.4.8. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
      • 12.4.8.1. Brazil
      • 12.4.8.2. Argentina
      • 12.4.8.3. Rest of South America
  • 12.5. Asia-Pacific
    • 12.5.1. Introduction
    • 12.5.2. Key Region-Specific Dynamics
    • 12.5.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Component
    • 12.5.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Mode of Payment
    • 12.5.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By Deployment
    • 12.5.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Organization Size
    • 12.5.7. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
    • 12.5.8. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
      • 12.5.8.1. China
      • 12.5.8.2. India
      • 12.5.8.3. Japan
      • 12.5.8.4. Australia
      • 12.5.8.5. Rest of Asia-Pacific
  • 12.6. Middle East and Africa
    • 12.6.1. Introduction
    • 12.6.2. Key Region-Specific Dynamics
    • 12.6.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Component
    • 12.6.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Mode of Payment
    • 12.6.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By Deployment
    • 12.6.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Organization Size
    • 12.6.7. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User

13. Competitive Landscape

  • 13.1. Competitive Scenario
  • 13.2. Market Positioning/Share Analysis
  • 13.3. Mergers and Acquisitions Analysis

14. Company Profiles

  • 14.1. MasterCard*
    • 14.1.1. Company Overview
    • 14.1.2. Product Portfolio and Description
    • 14.1.3. Financial Overview
    • 14.1.4. Key Developments
  • 14.2. Google
  • 14.3. Amazon
  • 14.4. Alipay
  • 14.5. Visa
  • 14.6. PayPal
  • 14.7. ACI Worldwide
  • 14.8. Aurus
  • 14.9. Apple Pay
  • 14.10. Paysafe

LIST NOT EXHAUSTIVE

15. Appendix

  • 15.1. About Us and Services
  • 15.2. Contact Us