세계의 전자 청구서 시장 규모, 점유율, 성장 및 산업 분석 : 유형별, 용도별, 지역별 인사이트 및 예측(2024-2032년)

Growth Factors of e-bill Market

The global e-bill market is experiencing rapid expansion driven by accelerating digital transformation, regulatory mandates, and the widespread adoption of advanced billing technologies. According to the 2024 industry assessment, the market reached USD 23.10 billion in 2024. Supported by rising demand for real-time billing, cross-border invoicing, and cloud-based financial systems, the market is projected to increase to USD 24.84 billion in 2025. By 2032, the sector is expected to grow significantly to USD 60.03 billion, registering a strong CAGR of 13.43% over the forecast period.

This growth is primarily fueled by the shift toward digital invoicing, government mandates for electronic billing, enhanced compliance, and the increasing need for automated and error-free financial processes. The COVID-19 pandemic further accelerated digital adoption across enterprises, forcing rapid migration from paper-based invoices to electronic billing ecosystems.

Digital Transformation and Market Drivers

The e-bill market is driven by the widespread adoption of technologies such as Artificial Intelligence (AI), blockchain, and cloud computing, which collectively enhance bill accuracy, reduce processing time, and strengthen security. AI integration enables automated extraction of invoice data, reducing manual effort. For example, AI-powered systems can now process invoice data in 27 seconds, compared to 3.5 minutes manually-dramatically improving operational efficiency for businesses.

Regulatory frameworks also play a pivotal role. Several countries-including Greece, Hungary, Poland, Portugal, and Spain-have implemented mandatory B2B e-invoicing, accelerating adoption across the private and public sectors. In the U.S., the Business Payments Coalition (BPC) and the Federal Reserve actively promote e-billing frameworks to enhance transparency and reduce fraud.

As businesses embrace real-time billing, payment processing capabilities and digital interoperability emerge as essential growth factors. Partnerships, such as Alacriti's November 2024 collaboration with Access Softek, showcase real-time payment integration through the RTP network and FedNow service, reinforcing the shift toward instant transactions.

Impact of Generative AI

Generative AI is reshaping the e-bill industry by dramatically improving invoice creation, validation, and reconciliations. AI-driven invoice templates automate data extraction from purchase orders, sales orders, and receipts, ensuring accuracy and reducing back-office workload. The adoption of GenAI in electronic billing enhances cash-flow visibility, reduces invoice discrepancies, and accelerates payment cycles.

In February 2025, InvoiceCloud partnered with POWERCONNECT.AI to integrate advanced AI solutions for utility billing, reinforcing the role of AI in driving next-generation e-billing adoption.

Key Market Trends

1. Surge in Mobile Invoicing

Mobile-first billing solutions are rapidly gaining traction as businesses adopt digital payments across smartphones and portable devices. The shift is accelerating invoice processing times, reducing administrative tasks, and strengthening compliance.

In July 2024, CaptainBiz launched a mobile app that enables businesses to generate unlimited e-invoices and e-waybills, supporting small and medium enterprises in digital compliance.

2. Cloud-Based Billing Ecosystems

Cloud services are expected to support 70% of Europe's e-invoice traffic by 2025. Cloud-based e-bill platforms provide scalability, real-time monitoring, and seamless ERP integrations-crucial for high-volume billing sectors such as retail, BFSI, healthcare, and telecom.

Segmentation Insights

By Platform

• Integrated software led the market in 2024 due to high adoption across large enterprises.
• Mobile and web platforms continue to gain traction, particularly in retail and banking.
• POS and kiosk systems maintained 30% market share in 2024 due to rising demand for contactless payments.

By Product

• Electronic bill presentment dominates, with strong demand for digital delivery.
• Electronic bill payment expected to hold 39% of the market by 2025 due to rising one-click payment tools.
• Bill posting services benefit from widespread ERP integration.

By Bill Type

• Core bills (VAT, e-way bills) lead due to government mandates, projected to grow at 13.85% CAGR.
• Commercial bills expected to hold 31% share in 2025.

By Industry Vertical

• Retail & consumer goods dominates due to high transaction volume, projected to hold 19% share in 2025.
• IT & telecom sector will grow fastest at 14.21% CAGR due to subscription-based billing cycles.

Regional Outlook

Asia Pacific - Market Leader (2024 Value: USD 8.20 Billion)

Asia Pacific leads the market due to mandatory e-invoice policies, rapid digitalization, and high adoption in China, India, Japan, and South Korea. China's market is expected to reach USD 2.64 billion in 2025.

North America - Second Largest (2025 Value: USD 6.24 Billion)

Driven by UETA, ESIGN, and advanced digital infrastructure. The U.S. alone will reach USD 2.24 billion in 2025.

Europe - Strong Compliance-Driven Growth

Expected to reach USD 5.21 billion in 2025, powered by e-invoicing directives and VAT digitalization.

South America & MEA

Mandatory systems since 2008 and increasing AI adoption support steady growth.

Conclusion

With market values increasing from USD 23.10 billion (2024) to USD 60.03 billion (2032), the e-bill market is undergoing a structural shift fueled by AI, cloud computing, regulatory mandates, and the rise of real-time digital payments. As companies embrace automation and compliance-driven billing, electronic invoicing will remain a cornerstone of global digital finance.

Segmentation By Platform

• Integrated Software
• Mobile
• Web
• POS
• Kiosk

By Product

• Electronic Bill Presentment
• Electronic Bill Payment
• Electronic Bill Posting

By Bill Type

• Legal Bills
• Core Bills (VAT/E-Way Bills, etc.)
• Commercial Bills

By Industry Vertical

• Automotive & Mobility
• Manufacturing & Mining
• IT & Telecom
• Healthcare & Life Science
• BFSI
• Aerospace & Defense
• Retail & Consumer goods
• Others (Media & Entertainment, etc.)

By Region

• North America (By Platform, By Product, By Bill Type, By Industry Vertical, and By Country)
  • U.S. (By Industry Vertical)
  • Canada (By Industry Vertical)
  • Mexico (By Industry Vertical)
• South America (By Platform, By Product, By Bill Type, By Industry Vertical, and By Country)
  • Brazil (By Industry Vertical)
  • Argentina (By Industry Vertical)
  • Rest of South America
• Europe (By Platform, By Product, By Bill Type, By Industry Vertical, and By Country)
  • U.K. (By Industry Vertical)
  • Germany (By Industry Vertical)
  • France (By Industry Vertical)
  • Italy (By Industry Vertical)
  • Spain (By Industry Vertical)
  • Russia (By Industry Vertical)
  • Poland (By Industry Vertical)
  • Belgium (By Industry Vertical)
  • Rest of Europe
• Asia Pacific (By Platform, By Product, By Bill Type, By Industry Vertical, and By Country)
  • China (By Industry Vertical)
  • India (By Industry Vertical)
  • Japan (By Industry Vertical)
  • South Korea (By Industry Vertical)
  • ASEAN (By Industry Vertical)
  • Rest of APAC
• Middle East & Africa (By Platform, By Product, By Bill Type, By Industry Vertical, and By Country)
  • North Africa (By Industry Vertical)
  • GCC (By Industry Vertical)
  • UAE (By Industry Vertical)
  • Turkey (By Industry Vertical)
  • Israel (By Industry Vertical)
  • South Africa (By Industry Vertical)
  • Rest of MEA

Key Market Players Profiled in the Report Alacriti (U.S.), Fiserv Inc (U.S.), Truist (U.S.), Pagero AB (Sweden), ACI Worldwide Inc. (U.S.), CSG Systems International, Inc. (U.S.), Cybersource Corporation (U.S.), BottomLine Technologies Inc. (U.S.), FIS (U.S.), Billtrust (U.S.)

Table of Content

1. Introduction

• 1.1. Definition, By Segment
• 1.2. Research Methodology/Approach
• 1.3. Data Sources

2. Executive Summary

3. Market Dynamics

• 3.1. Macro and Micro Economic Indicators
• 3.2. Drivers, Restraints, Opportunities and Trends
• 3.3. Impact of Generative AI

4. Competition Landscape

• 4.1. Business Strategies Adopted by Key Players
• 4.2. Consolidated SWOT Analysis of Key Players
• 4.3. Global E-Bill Key Players Top 10 Market Share/Ranking, 2024

5. Global E-Bill Market Size Estimates and Forecasts, By Segments, 2019-2032

• 5.1. Key Findings
• 5.2. By Platform (USD)
  • 5.2.1. Integrated Software
  • 5.2.2. Mobile
  • 5.2.3. Web
  • 5.2.4. POS
  • 5.2.5. Kiosk
• 5.3. By Product (USD)
  • 5.3.1. Electronic Bill Presentment
  • 5.3.2. Electronic bill Payment
  • 5.3.3. Electronic bill Posting
• 5.4. By Bill Type (USD)
  • 5.4.1. Legal Bills
  • 5.4.2. Core Bills (VAT/E-Way Bills, etc.)
  • 5.4.3. Commercial Bills
• 5.5. By Industry Vertical (USD)
  • 5.5.1. Automotive & Mobility
  • 5.5.2. Manufacturing & Mining
  • 5.5.3. IT & Telecom
  • 5.5.4. Healthcare & Life Science
  • 5.5.5. BFSI
  • 5.5.6. Aerospace & Defense
  • 5.5.7. Retail & Consumer goods
  • 5.5.8. Others (Media & Entertainment, etc.)
• 5.6. By Region (USD)
  • 5.6.1. North America
  • 5.6.2. South America
  • 5.6.3. Europe
  • 5.6.4. Asia Pacific
  • 5.6.5. Middle East & Africa

6. North America E-Bill Market Size Estimates and Forecasts, By Segments, 2019-2032

• 6.1. Key Findings
• 6.2. By Platform (USD)
  • 6.2.1. Integrated Software
  • 6.2.2. Mobile
  • 6.2.3. Web
  • 6.2.4. POS
  • 6.2.5. Kiosk
• 6.3. By Product (USD)
  • 6.3.1. Electronic Bill Presentment
  • 6.3.2. Electronic bill Payment
  • 6.3.3. Electronic bill Posting
• 6.4. By Bill Type (USD)
  • 6.4.1. Legal Bills
  • 6.4.2. Core Bills (VAT/E-Way Bills, etc.)
  • 6.4.3. Commercial Bills
• 6.5. By Industry Vertical (USD)
  • 6.5.1. Automotive & Mobility
  • 6.5.2. Manufacturing & Mining
  • 6.5.3. IT & Telecom
  • 6.5.4. Healthcare & Life Science
  • 6.5.5. BFSI
  • 6.5.6. Aerospace & Defense
  • 6.5.7. Retail & Consumer goods
  • 6.5.8. Others (Media & Entertainment, etc.)
• 6.6. By Country (USD)
  • 6.6.1. United States
    • 6.6.1.1. By Industry Vertical
  • 6.6.2. Canada
    • 6.6.2.1. By Industry Vertical
  • 6.6.3. Mexico
    • 6.6.3.1. By Industry Vertical

7. South America E-Bill Market Size Estimates and Forecasts, By Segments, 2019-2032

• 7.1. Key Findings
• 7.2. By Platform (USD)
  • 7.2.1. Integrated Software
  • 7.2.2. Mobile
  • 7.2.3. Web
  • 7.2.4. POS
  • 7.2.5. Kiosk
• 7.3. By Product (USD)
  • 7.3.1. Electronic Bill Presentment
  • 7.3.2. Electronic bill Payment
  • 7.3.3. Electronic bill Posting
• 7.4. By Bill Type (USD)
  • 7.4.1. Legal Bills
  • 7.4.2. Core Bills (VAT/E-Way Bills, etc.)
  • 7.4.3. Commercial Bills
• 7.5. By Industry Vertical (USD)
  • 7.5.1. Automotive & Mobility
  • 7.5.2. Manufacturing & Mining
  • 7.5.3. IT & Telecom
  • 7.5.4. Healthcare & Life Science
  • 7.5.5. BFSI
  • 7.5.6. Aerospace & Defense
  • 7.5.7. Retail & Consumer goods
  • 7.5.8. Others (Media & Entertainment, etc.)
• 7.6. By Country (USD)
  • 7.6.1. Brazil
    • 7.6.1.1. By Industry Vertical
  • 7.6.2. Argentina
    • 7.6.2.1. By Industry Vertical
  • 7.6.3. Rest of South America

8. Europe E-Bill Market Size Estimates and Forecasts, By Segments, 2019-2032

• 8.1. Key Findings
• 8.2. By Platform (USD)
  • 8.2.1. Integrated Software
  • 8.2.2. Mobile
  • 8.2.3. Web
  • 8.2.4. POS
  • 8.2.5. Kiosk
• 8.3. By Product (USD)
  • 8.3.1. Electronic Bill Presentment
  • 8.3.2. Electronic bill Payment
  • 8.3.3. Electronic bill Posting
• 8.4. By Bill Type (USD)
  • 8.4.1. Legal Bills
  • 8.4.2. Core Bills (VAT/E-Way Bills, etc.)
  • 8.4.3. Commercial Bills
• 8.5. By Industry Vertical (USD)
  • 8.5.1. Automotive & Mobility
  • 8.5.2. Manufacturing & Mining
  • 8.5.3. IT & Telecom
  • 8.5.4. Healthcare & Life Science
  • 8.5.5. BFSI
  • 8.5.6. Aerospace & Defense
  • 8.5.7. Retail & Consumer goods
  • 8.5.8. Others (Media & Entertainment, etc.)
• 8.6. By Country (USD)
  • 8.6.1. United Kingdom
    • 8.6.1.1. By Industry Vertical
  • 8.6.2. Germany
    • 8.6.2.1. By Industry Vertical
  • 8.6.3. France
    • 8.6.3.1. By Industry Vertical
  • 8.6.4. Italy
    • 8.6.4.1. By Industry Vertical
  • 8.6.5. Spain
    • 8.6.5.1. By Industry Vertical
  • 8.6.6. Russia
    • 8.6.6.1. By Industry Vertical
  • 8.6.7. Poland
    • 8.6.7.1. By Industry Vertical
  • 8.6.8. Belgium
    • 8.6.8.1. By Industry Vertical
  • 8.6.9. Rest of Europe

9. Asia Pacific E-Bill Market Size Estimates and Forecasts, By Segments, 2019-2032

• 9.1. Key Findings
• 9.2. By Platform (USD)
  • 9.2.1. Integrated Software
  • 9.2.2. Mobile
  • 9.2.3. Web
  • 9.2.4. POS
  • 9.2.5. Kiosk
• 9.3. By Product (USD)
  • 9.3.1. Electronic Bill Presentment
  • 9.3.2. Electronic bill Payment
  • 9.3.3. Electronic bill Posting
• 9.4. By Bill Type (USD)
  • 9.4.1. Legal Bills
  • 9.4.2. Core Bills (VAT/E-Way Bills, etc.)
  • 9.4.3. Commercial Bills
• 9.5. By Industry Vertical (USD)
  • 9.5.1. Automotive & Mobility
  • 9.5.2. Manufacturing & Mining
  • 9.5.3. IT & Telecom
  • 9.5.4. Healthcare & Life Science
  • 9.5.5. BFSI
  • 9.5.6. Aerospace & Defense
  • 9.5.7. Retail & Consumer goods
  • 9.5.8. Others (Media & Entertainment, etc.)
• 9.6. By Country (USD)
  • 9.6.1. China
    • 9.6.1.1. By Industry Vertical
  • 9.6.2. India
    • 9.6.2.1. By Industry Vertical
  • 9.6.3. Japan
    • 9.6.3.1. By Industry Vertical
  • 9.6.4. South Korea
    • 9.6.4.1. By Industry Vertical
  • 9.6.5. ASEAN
    • 9.6.5.1. By Industry Vertical
  • 9.6.6. Rest of Asia Pacific

10. Middle East & Africa E-Bill Market Size Estimates and Forecasts, By Segments, 2019-2032

• 10.1. Key Findings
• 10.2. By Platform (USD)
  • 10.2.1. Integrated Software
  • 10.2.2. Mobile
  • 10.2.3. Web
  • 10.2.4. POS
  • 10.2.5. Kiosk
• 10.3. By Product (USD)
  • 10.3.1. Electronic Bill Presentment
  • 10.3.2. Electronic bill Payment
  • 10.3.3. Electronic bill Posting
• 10.4. By Bill Type (USD)
  • 10.4.1. Legal Bills
  • 10.4.2. Core Bills (VAT/E-Way Bills, etc.)
  • 10.4.3. Commercial Bills
• 10.5. By Industry Vertical (USD)
  • 10.5.1. Automotive & Mobility
  • 10.5.2. Manufacturing & Mining
  • 10.5.3. IT & Telecom
  • 10.5.4. Healthcare & Life Science
  • 10.5.5. BFSI
  • 10.5.6. Aerospace & Defense
  • 10.5.7. Retail & Consumer goods
  • 10.5.8. Others (Media & Entertainment, etc.)
• 10.6. By Country (USD)
  • 10.6.1. North Africa
    • 10.6.1.1. By Industry Vertical
  • 10.6.2. GCC
    • 10.6.2.1. By Industry Vertical
  • 10.6.3. UAE
    • 10.6.3.1. By Industry Vertical
  • 10.6.4. Turkey
    • 10.6.4.1. By Industry Vertical
  • 10.6.5. Israel
    • 10.6.5.1. By Industry Vertical
  • 10.6.6. South Africa
    • 10.6.6.1. By Industry Vertical
  • 10.6.7. Rest of MEA

11. Company Profiles for Top 10 Players (Based on data availability in public domain and/or on paid databases)

• 11.1. Alacriti
  • 11.1.1. Overview
    • 11.1.1.1. Key Management
    • 11.1.1.2. Headquarters
    • 11.1.1.3. Offerings/Business Segments
  • 11.1.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.1.2.1. Employee Size
    • 11.1.2.2. Past and Current Revenue
    • 11.1.2.3. Geographical Share
    • 11.1.2.4. Business Segment Share
    • 11.1.2.5. Recent Developments
• 11.2. Fiserv Inc
  • 11.2.1. Overview
    • 11.2.1.1. Key Management
    • 11.2.1.2. Headquarters
    • 11.2.1.3. Offerings/Business Segments
  • 11.2.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.2.2.1. Employee Size
    • 11.2.2.2. Past and Current Revenue
    • 11.2.2.3. Geographical Share
    • 11.2.2.4. Business Segment Share
    • 11.2.2.5. Recent Developments
• 11.3. Truist
  • 11.3.1. Overview
    • 11.3.1.1. Key Management
    • 11.3.1.2. Headquarters
    • 11.3.1.3. Offerings/Business Segments
  • 11.3.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.3.2.1. Employee Size
    • 11.3.2.2. Past and Current Revenue
    • 11.3.2.3. Geographical Share
    • 11.3.2.4. Business Segment Share
    • 11.3.2.5. Recent Developments
• 11.4. Pagero AB
  • 11.4.1. Overview
    • 11.4.1.1. Key Management
    • 11.4.1.2. Headquarters
    • 11.4.1.3. Offerings/Business Segments
  • 11.4.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.4.2.1. Employee Size
    • 11.4.2.2. Past and Current Revenue
    • 11.4.2.3. Geographical Share
    • 11.4.2.4. Business Segment Share
    • 11.4.2.5. Recent Developments
• 11.5. ACI Worldwide Inc.
  • 11.5.1. Overview
    • 11.5.1.1. Key Management
    • 11.5.1.2. Headquarters
    • 11.5.1.3. Offerings/Business Segments
  • 11.5.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.5.2.1. Employee Size
    • 11.5.2.2. Past and Current Revenue
    • 11.5.2.3. Geographical Share
    • 11.5.2.4. Business Segment Share
    • 11.5.2.5. Recent Developments
• 11.6. CSG Systems International, Inc.
  • 11.6.1. Overview
    • 11.6.1.1. Key Management
    • 11.6.1.2. Headquarters
    • 11.6.1.3. Offerings/Business Segments
  • 11.6.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.6.2.1. Employee Size
    • 11.6.2.2. Past and Current Revenue
    • 11.6.2.3. Geographical Share
    • 11.6.2.4. Business Segment Share
    • 11.6.2.5. Recent Developments
• 11.7. Cybersource Corporation
  • 11.7.1. Overview
    • 11.7.1.1. Key Management
    • 11.7.1.2. Headquarters
    • 11.7.1.3. Offerings/Business Segments
  • 11.7.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.7.2.1. Employee Size
    • 11.7.2.2. Past and Current Revenue
    • 11.7.2.3. Geographical Share
    • 11.7.2.4. Business Segment Share
    • 11.7.2.5. Recent Developments
• 11.8. BottomLine Technologies Inc.
  • 11.8.1. Overview
    • 11.8.1.1. Key Management
    • 11.8.1.2. Headquarters
    • 11.8.1.3. Offerings/Business Segments
  • 11.8.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.8.2.1. Employee Size
    • 11.8.2.2. Past and Current Revenue
    • 11.8.2.3. Geographical Share
    • 11.8.2.4. Business Segment Share
    • 11.8.2.5. Recent Developments
• 11.9. FIS
  • 11.9.1. Overview
    • 11.9.1.1. Key Management
    • 11.9.1.2. Headquarters
    • 11.9.1.3. Offerings/Business Segments
  • 11.9.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.9.2.1. Employee Size
    • 11.9.2.2. Past and Current Revenue
    • 11.9.2.3. Geographical Share
    • 11.9.2.4. Business Segment Share
    • 11.9.2.5. Recent Developments
• 11.10. Billtrust
  • 11.10.1. Overview
    • 11.10.1.1. Key Management
    • 11.10.1.2. Headquarters
    • 11.10.1.3. Offerings/Business Segments
  • 11.10.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.10.2.1. Employee Size
    • 11.10.2.2. Past and Current Revenue
    • 11.10.2.3. Geographical Share
    • 11.10.2.4. Business Segment Share
    • 11.10.2.5. Recent Developments

12. Key Takeaways