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市場調查報告書

商品編碼

1437969

付款閘道：市場佔有率分析、產業趨勢與統計、成長預測（2024-2029）

Payment Gateway - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2024 - 2029)

出版日期: 2024年02月15日 | 出版商:

Mordor Intelligence | 英文 100 Pages | 商品交期: 2-3個工作天內

價格

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簡介目錄

付款閘道市場規模預計到 2024 年為 162.7 億美元，預計到 2029 年將達到 348 億美元，在預測期內（2024-2029 年）複合年成長率為 16.43%。

此外，由於全球數百萬人被隔離，COVID-19感染疾病促使全球商品、服務和娛樂的線上銷售增加。 ACI Worldwide 對全球線上零售商的數百筆交易進行的研究顯示，今年大多數零售業的交易量較往年同期成長了 74%，從而帶動了市場成長。

主要亮點

付款方式在過去幾年中發展迅速，從代幣系統到現金池再到無現金付款。支付閘道器允許任何企業（包括實體店和網路零售業）透過客戶首選的銀行收取資金，而不會危及敏感資料。在各個行業中，付款閘道整合已成為任何組織的重要組成部分之一。此外，預計線上交易的增加將在整個預測期內推動市場擴張。
全球電子商務銷售額的成長和網際網路的高普及使金融服務公司能夠為其客戶提供獨特的數位服務，這有助於付款閘道市場的成長。由於高速網際網路的日益普及和可用性，付款閘道市場的擴張將繼續加速。
全球行動付款需求不斷成長也推動了付款閘道市場。使用行動付款進行各種交易，如購買外帶、購買電影票、升級智慧型手機遊戲等，預計將在預測期內推動市場擴張。此外，在已開發國家和開發中國家，簽帳金融卡或信用卡用於這些付款。這方面預計將有助於所研究的市場進一步成長。這是因為您可以輕鬆地使用智慧型手機付款並將卡片資訊保存在智慧型手機上。
大多數客戶都會儲存他們的卡片訊息，這可以阻止越來越多的竊取資料的網路攻擊。此外，其他因素，如偏遠地區缺乏網路存取、缺乏跨境支付的國際標準以及不同國家不同的政府限制等因素可能會在研究期間限制市場。
由於世界因封鎖而轉向電子商務，COVID-19感染疾病以及隨後的封鎖，付款閘道市場受到了不利影響，電子商務在線購買的在線支付這促使了許多付款閘道。商務網站。因此，儘管發生了大流行危機，但市場仍在擴大。由於 UPI 在疫情後複雜環境中的重要性日益增加，預計數位領域市場將在預測期內出現成長。

付款閘道市場趨勢

零售業越來越多採用付款閘道

世界各地的零售商和服務機構正在迅速採用和整合 PayPal、Samsung Pay、Apple Pay、支付寶和微信支付等行動付款應用程式來接受付款。此外，由於生活方式、日常商務的變化和線上零售的快速成長，預計這一趨勢將在預測期內持續下去。全球線上零售需求的激增預計將在預測期內推動線上付款並推動付款閘道市場。
零售商正在製定新的策略，以從宅配和網路購物的便利經濟中受益。付款閘道在付款基礎設施中發揮著越來越重要的作用。連接網路購物車、POS 系統和支付流程的虛擬終端是現代經濟中必要的連接點。預計這一因素將推動付款閘道市場的成長。
研究的市場正隨著消費者行為而改變。無現金經濟、行動銀行、即時付款、數位商務和日益增強的監管影響力是影響零售業的一些趨勢。線上付款使消費者的支付流程變得更加輕鬆便捷，帶來的好處包括縮短排隊時間、消除手頭現金問題以及更快地通過排隊。
推動本地銀行整合付款閘道需求的主要因素是銀行擴大採用數位技術。在進行金融交易時，此支付閘道器會向使用者顯示可以在其中輸入財務資訊的銀行。此付款解決方案的設定快速且簡單，加速了中小型企業的採用。因此，對本地銀行整合付款閘道的需求不斷成長預計將推動零售業付款閘道市場的成長。
例如，總部位於印度的 PayU 公司被認為是最方便的電子商務付款解決方案之一，旨在填補複雜服務供應商留下的空白。 PayU 是首選，因為它提供最佳的轉換率。 Netflix、Airbnb、Bookmyshow 等知名公司都使用 PayU 支付閘道器。 2022 年 11 月，10 分鐘雜貨配送服務 Zepto 將能夠透過將 Cashfree Payments 的付款閘道API 整合到其行動應用程式中，提供更快、更直覺的支付 UPI 體驗。 Gateway配備附加價值服務功能，讓更多賣家上線。此類舉措預計將推動市場成長。
自封鎖以來，電子商務銷售額有所增加，尤其是雜貨和保健品，儘管許多零售商在物流方面遇到困難。例如，自 COVID-19感染疾病以來，英國某些產品的線上零售訂單量增加了 200% 以上。

中國將實現顯著成長

阿里巴巴和騰訊等中國巨頭是數位商業付款領域的先驅，正在幫助中國經濟擺脫現金支付。該公司的行動付款產品支付寶和微信支付迅速重塑了中國的付款形勢。它們也是世界上最大的。
中國銀聯簽帳金融卡卡和信用卡是最常用的卡片品牌。目前，支付寶和微信支付等行動和數位錢包主導著該國的線上市場，實體店也在興起。主導支付寶和微信支付為首的行動和數位錢包佔國內電子商務交易的71%。
99 Bill Corporation、YEEPAY 和 Pay Ease 等其他公司也在中國提供支付閘道器。 99Bill Corporation是一家專注於提供線上付款管道服務以促進中國線上交易的網路組織。本公司高度重視產業鏈發展，擁有80多家金融機構及300多個網路基地台。該公司在20個產業擁有超過110萬商家合作夥伴，包括網路購物、物流、服飾、旅遊、保險和教育等。
易寶支付是中國另一家領先的付款服務供應商，專注於透過技術和創新提供更好的電子付款解決方案和付加金融服務。該公司已接入國內100多家商業銀行，是第一批獲得中國人民銀行頒發的一般付款執照的公司之一。

付款閘道產業概況

付款閘道市場由 PayPal、PayU、Amazon Payments、Stripe 等知名企業高度整合。然而，其他公司正試圖透過併購來獲得更大的市場佔有率，以接觸更多的消費者。

2022 年 11 月，領先的 B2B 和 B2C 企業的支付編配平台 BlueSnap 擴大了與頂級電子商務機構 ObjectSource 的合作夥伴關係，以支援歐洲各地的線上賣家，並加強了針對歐盟市場的 Magento 整合。

2022 年 9 月，英國付款公司 Paysafe 與付款編配平台 Spreedly 合作，為英國和歐洲各地的商家提供國際付款支持，Paysafe 專注於電子商務、零售和旅遊領域，您將能夠透過付款閘道進行交易。、加密貨幣、金融服務業。

2022 年 8 月，金融服務平台 Mswipe Technologies 獲得了印度儲備銀行 (RBI) 頒發的原則上支付聚合商 (PA) 許可證。此次核准將使 Mswipe 能夠開發內部線上付款閘道。

其他福利

Excel 格式的市場預測 (ME) 表
3 個月分析師支持

Additionally, due to the COVID-19 pandemic, online sales of goods, services, and entertainment grew globally due to millions of people being quarantined worldwide. According to a study by ACI Worldwide of hundreds of transactions from global online retailers, transaction volumes in most retail sectors witnessed a 74% rise in current year compared to the same period last few years, driving the market growth.

Key Highlights

The payment method has evolved at a dizzying pace in the past few years, from the token system to cash pooling and cashless payments. A payment gateway allows any business, such as brick-and-mortar or online retailing, to collect money through the customer's preferred bank without compromising sensitive data. In every industry, integrating a payment gateway has emerged as one of the essential components of every organization. Additionally, rising online transactions are anticipated throughout the forecast period to fuel market expansion.
Financial service companies have been able to offer unique digital services to customers due to increased e-commerce sales and the high rate of internet penetration around the world, which helps the growth of the payment gateway market. High-speed internet's rising popularity and availability will continue to fuel the market's expansion for payment gateways.
The market for payment gateways is also driven by the increasing global demand for mobile-based payments. The use of mobile payments for various transactions, such as purchasing takeout, purchasing cinema tickets, and upgrading smartphone games, is anticipated to fuel the market's expansion over the forecast period. Also, developed and developing nations use debit or credit cards to make these payments. This aspect is anticipated to help the market under study grow even more. This is due to the ease with which payments may be made on smartphones and the ability to save card information on them.
As most customers save their card details, there is a prone for the rising number of cyber attack cases that steal data which is a restraint. Also, other factors, such as lack of internet access in remote areas, no international standards for cross-border payments, and varying government restrictions in different countries, could restrain the market over the study period.
Due to a global shift towards e-commerce caused by lockdowns, the COVID-19 pandemic, and the ensuing lockdowns negatively impact the payment gateway market, which has led to the launch of many payment gateways that facilitate online payments for online purchases from e-commerce websites. Due to this, the market has expanded despite the pandemic crisis. Due to UPI's growing importance in the combined post-pandemic environment, the market would experience growth in the digital sector over the projection period.

Payment Gateway Market Trends

Growing adoption of payment gateway in Retail

Retail stores and services worldwide are rapidly adopting and have integrated mobile payment applications, such as PayPal, Samsung Pay, Apple Pay, AliPay, and WeChat Pay, to accept payments. Further, owing to the changing lifestyles, daily commerce, and rapid growth in online retailing, this trend is expected to continue during the forecast period. The raging demand for online retailing worldwide is expected to drive online payment, propelling the payment gateway market over the forecast period.
Retailers are developing new strategies to profit from the at-home delivery and online shopping convenience economies. Payment gateways are playing a bigger role in the infrastructure of payments. For online shopping carts, point-of-sale systems, and virtual terminals to link to the payment process, they are a necessary connection point in the modern economy. This factor is expected to drive the growth of the payment gateway market.
The market studied is changing in line with consumer behavior. The cashless economy, mobile banking, instant payments, digital commerce, and the growing impact of regulatory agencies are a few trends affecting the retail sector. Online payments make the payment process easier and more convenient for consumers, who benefit from shorter lines, cash-on-hand issue elimination, and faster-moving queues.
The main factor driving the demand for local bank-integrated payment gateway is banks' growing adoption of digital technology. When doing a financial transaction, this payment gateway points users to banks where they can enter their financial information. This payment solution's quick and simple setup has accelerated its uptake in SMEs. Thus the mounting demand for local bank-integrated payment gateway is expected to drive the growth of the payment gateway market for the retail sector.
For instance, the India-based company, PayU, is considered one of the most accessible e-commerce payment solutions designed to fill in the gaps left by complex service providers. PayU is favored due to the best conversion rates it offers. Notable companies like Netflix, Airbnb, and Bookmyshow use the PayU payment gateway. In November 2022, Zepto, the 10-minute grocery delivery service, would now be able to offer a faster and more intuitive payments UPI experience through the integration of Cashfree Payments' Payment Gateway API into its mobile app. The gateway is equipped with added-value service capabilities to bring more merchants online. Such initiatives are expected to fuel the growth of the market.
Since the lockdown, e-commerce sales have increased, particularly for groceries and health products, even though many retailers are struggling with logistics. For instance, online retail order volumes in the United Kingdom have risen by over 200 % on some products since the COVID -19 outbreak.

China to Witness Significant Growth

Chinese giants, such as Alibaba and Tencent, have pioneered digital merchant payments and are instrumental in the shift away from cash in the Chinese economy. The companies' mobile payments products, Alipay and WeChat Pay, have rapidly reshaped China's payments landscape. They are also among the largest in the world.
China UnionPay debit and credit cards are the most used card brand. Mobile and digital wallets, such as Alipay and WeChat Pay, currently dominate the country's online market and increase physical stores. The mobile and digital wallets led by Alipay and WeChat Pay account for 71% of e-commerce transactions in the country.
Other companies such as 99 Bill Corporation, YEEPAY, and Pay Ease also offer payment gateway in China. 99Bill Corporation is an internet organization focusing on providing online payment platform services to facilitate online transactions in China. The company has emphasized developing its industry chain and has over 80 financial institutions with over 300 access points. It has over 1.1 million merchant partners that span 20 industries, including online shopping, logistics, clothing, travel business, insurance, and education, among others.
YeePay is another leading payment service provider in China, which focuses on offering better e-payment solutions and value-added financial services through technology and innovation. With access to more than 100 commercial banks in China, the company was among the first businesses to obtain a general payment license from the People's Bank of China.

Payment Gateway Industry Overview

The Payment Gateway Market is highly consolidated by prominent players such as PayPal, PayU, Amazon Payments, and Stripe. However, other companies are trying to attain larger market shares through mergers and acquisitions to gain more consumers.

In November 2022, BlueSnap, the payment orchestration platform for leading B2B and B2C businesses, expanded its partnership with the top eCommerce agency, objectsource, to support online sellers across Europe to enhance Magento integration for evolving EU Market.

In September 2022, British payments company Paysafe allied with Spreedly, a payments orchestration platform, to help merchants with their international payments across the UK and Europe would be able to make transactions through Paysafe's payment gateway with a focus on e-commerce, retail, travel, crypto, and financial services sectors.

In August 2022, Financial services platform Mswipe Technologies received an in-principal Payment Aggregator (PA) license from the Reserve Bank of India (RBI). With this approval, Mswipe can develop an in-house online payment gateway.

Additional Benefits:

The market estimate (ME) sheet in Excel format
3 months of analyst support

1 INTRODUCTION

1.1 Study Assumptions and Market Definition
1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

3.1 Market Overview
3.2 Industry Attractiveness Model - 'Porter's Five Forces Analysis'
- 3.2.1 Threat of New Entrants
- 3.2.2 Bargaining Power of Consumers
- 3.2.3 Bargaining Power of Suppliers
- 3.2.4 Threat of Substitute Products
- 3.2.5 Intensity of Competitive Rivalry
3.3 Industry Value Chain Analysis
3.4 Impact of COVID-19 on the Market

4 MARKET DYNAMICS

4.1 Market Drivers
- 4.1.1 Increased e-commerce Sales and the High Internet Penetration Rate
- 4.1.2 Increase Demand for Mobile Based Payments
- 4.1.3 Growing adoption of payment gateway in Retail
4.2 Market Challenges
- 4.2.1 Privacy and Security-related Threats Continue to Remain a Concern

5 MARKET SEGMENTATION

5.1 By Type
- 5.1.1 Hosted
- 5.1.2 Non-Hosted
5.2 By Enterprise
- 5.2.1 Small and Medium Enterprise (SME)
- 5.2.2 Large Enterprise
5.3 By End User
- 5.3.1 Travel
- 5.3.2 Retail
- 5.3.3 BFSI
- 5.3.4 Media and Entertainment
- 5.3.5 Other End-user Verticals
5.4 BY Geography
- 5.4.1 North America
- 5.4.2 Europe
- 5.4.3 Latin America
- 5.4.4 Asia Pacific
- 5.4.5 Middle East and Africa

6 COMPETITIVE LANDSCAPE

6.1 Company Profiles
- 6.1.1 PayPal Holdings Inc.
- 6.1.2 Amazon Pay
- 6.1.3 Stripe Inc
- 6.1.4 Skrill Limited
- 6.1.5 PayU Group
- 6.1.6 Adyen NV
- 6.1.7 Payza
- 6.1.8 Ingenico Group
- 6.1.9 Alipay.com
- 6.1.10 Payoneer Inc
- 6.1.11 Paytm Mobile Solutions Pvt. Ltd
- 6.1.12 Verifone Holdings Inc