실시간 결제 시장 규모, 점유율, 성장 및 세계 산업 분석 : 유형별, 용도별, 지역별 인사이트 및 예측(2024-2032년)

Growth Factors of real-time payments Market

The global real-time payments market is expanding rapidly as consumers, merchants, financial institutions, and businesses worldwide shift toward instant, secure, and digital-first payment methods. The market was valued at USD 24.91 billion in 2024, is projected to grow to USD 34.16 billion in 2025, and is expected to reach an impressive USD 284.49 billion by 2032, registering a strong CAGR of 35.4% over the forecast period. In 2024, North America emerged as the leading region with a 42.91% share, driven by widespread digital adoption and strong payment infrastructure innovation.

Real-time payments enable immediate, account-to-account fund transfers with instant confirmation, providing enhanced convenience, transparency, and operational efficiency compared to traditional payment systems. With more than 60 countries deploying RTP platforms according to the FIS 2022 report, global momentum continues to build as both regulatory bodies and financial institutions accelerate modernization initiatives. Growing financial inclusion efforts, widespread internet connectivity, and strong smartphone penetration are further reinforcing market demand.

Market Trends

One of the most significant market trends is the increasing integration of Artificial Intelligence (AI) and Machine Learning (ML) into RTP networks. These technologies are transforming fraud detection, security protocols, and customer experience. Predictive analytics, intelligent chatbots, and automated risk scoring are enabling faster, safer, and more personalized payment journeys. In July 2023, Mastercard partnered with TSB to apply AI-powered tools to combat RTP fraud, highlighting the industry's shift toward advanced intelligent payment ecosystems.

At the same time, the shift toward cloud-based RTP deployment is accelerating modernization. Cloud platforms offer scalability, improved interoperability, lower operational costs, and faster rollout of payment innovations, making them increasingly preferred by banks and fintech firms.

Growth Drivers

A key driver of the market's growth is the increasing proliferation of smartphones. NFC-enabled devices, mobile wallets, and digital banking apps are reshaping payment preferences. As mobile usage increases globally, consumers and merchants are adopting seamless instant payment experiences. The Internet and Mobile Association of India (IAMAI) reported that the number of internet users in India was expected to reach 800 million by 2023, while mobile wallet users are projected to reach 900 million by 2025, demonstrating the strong foundation supporting RTP adoption.

Moreover, the expansion of 5G services is enabling faster connectivity, reducing latency in payment authentication, and expanding the reliability of real-time financial transactions. The acceleration of digital transformation across the banking sector is also boosting RTP system deployment, enhancing operational transparency and improving customer satisfaction.

Restraints

While real-time payments offer benefits, the market faces challenges linked to data breaches, cybersecurity risks, and fraud attacks. Identity theft, phishing scams, and fake payment redirection remain common threats. Public Wi-Fi vulnerabilities, weak authentication practices, and increased exposure to digital financial channels further heighten these risks. As fraud techniques evolve, payment providers must continually upgrade their security architectures to maintain consumer trust.

Segmentation Overview

The P2P (Person-to-Person) segment held the largest market share in 2024 and is expected to record the highest CAGR through 2032. The surge in mobile wallet adoption, digital banking apps, and contactless payment habits drives strong P2P growth worldwide.

The P2B (Person-to-Business) segment is witnessing rapid expansion, particularly across retail and e-commerce sectors.

In deployment, cloud-based RTP solutions are projected to grow fastest due to their scalability and cost-efficiency, while on-premises solutions held a significant share in 2024 but may grow more slowly due to high operating costs.

Among enterprise types, SMEs are adopting RTP at the fastest rate as they shift from paper invoicing to digital payment workflows, while large enterprises dominated in 2024 due to high transaction volumes and strong investment capacity.

Retail & e-commerce was the leading industry in 2024, contributing more than 30% of global revenue. Growing consumer demand for instant refunds, seamless checkout experiences, and low-fee payment options continues to drive adoption. BFSI, government services, and telecom also exhibit strong growth potential.

Regional Insights

North America led the market with USD 10.69 billion in 2024, supported by strong digital banking initiatives and widespread payment modernization. RTP transactions in the U.S. are projected to expand significantly as businesses adopt instant B2B payment capabilities.

Asia Pacific is projected to record the highest CAGR, with India contributing 46% of global real-time transactions, positioning itself as a global RTP leader.

Europe shows steady adoption driven by strong investments in mobile-powered payments, while the Middle East & Africa and South America are emerging markets fueled by rising smartphone penetration and digital transformation.

Conclusion

With the market set to reach USD 284.49 billion by 2032, real-time payments are becoming a foundational element of the global digital economy. Advancements in AI, cloud platforms, digital wallets, and mobile connectivity will continue to accelerate RTP adoption across all industries, reshaping the future of payments worldwide.

Segmentation By Payment Type

• Person to Person (P2P)
• Person to Business (P2B)
• Business to Business (B2B)
• Others (Government to Business (G2B), Government to Person (G2P), etc.)

By Deployment

• On-premise
• Cloud

By Enterprise Type

• Small & Medium Enterprises (SMEs)
• Large Enterprises

By Industry

• BFSI
• Retail & E-commerce
• IT & Telecom
• Government
• Healthcare
• Energy & Utilities
• Travel & Tourism
• Others (Manufacturing, Education etc.)

By Region

• North America (By Payment Type, By Deployment, By Enterprise Type, By Industry, and By Country)
  • U.S.
  • Canada
  • Mexico
• Europe (By Payment Type, By Deployment, By Enterprise Type, By Industry, and By Country)
  • U.K.
  • Germany
  • France
  • Italy
  • Spain
  • Russia
  • Benelux
  • Nordics
  • Rest of Europe
• Asia Pacific (By Payment Type, By Deployment, By Enterprise Type, By Industry, and By Country)
  • China
  • India
  • Japan
  • South Korea
  • ASEAN
  • Oceania
  • Rest of Asia Pacific
• Middle East & Africa (By Payment Type, By Deployment, By Enterprise Type, By Industry, and By Country)
  • Turkey
  • Israel
  • GCC
  • South Africa
  • North Africa
  • Rest of the Middle East & Africa
• South America (By Payment Type, By Deployment, By Enterprise Type, By Industry, and By Country)
  • Brazil
  • Argentina
  • Rest of South America

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 Real-Time Payments Key Players (Top 3 - 5) Market Share/Ranking, 2024

5. Global Real-Time Payments Market Size Estimates and Forecasts, By Segments, 2019-2032

• 5.1. Key Findings
• 5.2. By Payment Type (USD)
  • 5.2.1. Person to Person (P2P)
  • 5.2.2. Person to Business (P2B)
  • 5.2.3. Business to Business (B2B)
  • 5.2.4. Others (Government to Business (G2B), Government to Person (G2P), etc.)
• 5.3. By Deployment (USD)
  • 5.3.1. On-premise
  • 5.3.2. Cloud
• 5.4. By Enterprise Type (USD)
  • 5.4.1. Small and Medium Enterprises (SMEs)
  • 5.4.2. Large Enterprises
• 5.5. By Industry (USD)
  • 5.5.1. BFSI
  • 5.5.2. Retail & E-commerce
  • 5.5.3. IT & Telecom
  • 5.5.4. Government
  • 5.5.5. Healthcare
  • 5.5.6. Energy & Utilities
  • 5.5.7. Travel & Tourism
  • 5.5.8. Others (Manufacturing, Education etc.)
• 5.6. By Region (USD)
  • 5.6.1. North America
  • 5.6.2. Europe
  • 5.6.3. Asia Pacific
  • 5.6.4. Middle East & Africa
  • 5.6.5. South America

6. North America Real-Time Payments Market Size Estimates and Forecasts, By Segments, 2019-2032

• 6.1. Key Findings
• 6.2. By Payment Type (USD)
  • 6.2.1. Person to Person (P2P)
  • 6.2.2. Person to Business (P2B)
  • 6.2.3. Business to Business (B2B)
  • 6.2.4. Others (Government to Business (G2B), Government to Person (G2P), etc.)
• 6.3. By Deployment (USD)
  • 6.3.1. On-premise
  • 6.3.2. Cloud
• 6.4. By Enterprise Type (USD)
  • 6.4.1. Small and Medium Enterprises (SMEs)
  • 6.4.2. Large Enterprises
• 6.5. By Industry (USD)
  • 6.5.1. BFSI
  • 6.5.2. Retail & E-commerce
  • 6.5.3. IT & Telecom
  • 6.5.4. Government
  • 6.5.5. Healthcare
  • 6.5.6. Energy & Utilities
  • 6.5.7. Travel & Tourism
  • 6.5.8. Others (Manufacturing, Education etc.)
• 6.6. By Country (USD)
  • 6.6.1. United States
  • 6.6.2. Canada
  • 6.6.3. Mexico

7. Europe Real-Time Payments Market Size Estimates and Forecasts, By Segments, 2019-2032

• 7.1. Key Findings
• 7.2. By Payment Type (USD)
  • 7.2.1. Person to Person (P2P)
  • 7.2.2. Person to Business (P2B)
  • 7.2.3. Business to Business (B2B)
  • 7.2.4. Others (Government to Business (G2B), Government to Person (G2P), etc.)
• 7.3. By Deployment (USD)
  • 7.3.1. On-premise
  • 7.3.2. Cloud
• 7.4. By Enterprise Type (USD)
  • 7.4.1. Small and Medium Enterprises (SMEs)
  • 7.4.2. Large Enterprises
• 7.5. By Industry (USD)
  • 7.5.1. BFSI
  • 7.5.2. Retail & E-commerce
  • 7.5.3. IT & Telecom
  • 7.5.4. Government
  • 7.5.5. Healthcare
  • 7.5.6. Energy & Utilities
  • 7.5.7. Travel & Tourism
  • 7.5.8. Others (Manufacturing, Education etc.)
• 7.6. By Country (USD)
  • 7.6.1. United Kingdom
  • 7.6.2. Germany
  • 7.6.3. France
  • 7.6.4. Italy
  • 7.6.5. Spain
  • 7.6.6. Russia
  • 7.6.7. Benelux
  • 7.6.8. Nordics
  • 7.6.9. Rest of Europe

8. Asia Pacific Real-Time Payments Market Size Estimates and Forecasts, By Segments, 2019-2032

• 8.1. Key Findings
• 8.2. By Payment Type (USD)
  • 8.2.1. Person to Person (P2P)
  • 8.2.2. Person to Business (P2B)
  • 8.2.3. Business to Business (B2B)
  • 8.2.4. Others (Government to Business (G2B), Government to Person (G2P), etc.)
• 8.3. By Deployment (USD)
  • 8.3.1. On-premise
  • 8.3.2. Cloud
• 8.4. By Enterprise Type (USD)
  • 8.4.1. Small and Medium Enterprises (SMEs)
  • 8.4.2. Large Enterprises
• 8.5. By Industry (USD)
  • 8.5.1. BFSI
  • 8.5.2. Retail & E-commerce
  • 8.5.3. IT & Telecom
  • 8.5.4. Government
  • 8.5.5. Healthcare
  • 8.5.6. Energy & Utilities
  • 8.5.7. Travel & Tourism
  • 8.5.8. Others (Manufacturing, Education etc.)
• 8.6. By Country (USD)
  • 8.6.1. China
  • 8.6.2. India
  • 8.6.3. Japan
  • 8.6.4. South Korea
  • 8.6.5. ASEAN
  • 8.6.6. Oceania
  • 8.6.7. Rest of Asia Pacific

9. Middle East & Africa Real-Time Payments Market Size Estimates and Forecasts, By Segments, 2019-2032

• 9.1. Key Findings
• 9.2. By Payment Type (USD)
  • 9.2.1. Person to Person (P2P)
  • 9.2.2. Person to Business (P2B)
  • 9.2.3. Business to Business (B2B)
  • 9.2.4. Others (Government to Business (G2B), Government to Person (G2P), etc.)
• 9.3. By Deployment (USD)
  • 9.3.1. On-premise
  • 9.3.2. Cloud
• 9.4. By Enterprise Type (USD)
  • 9.4.1. Small and Medium Enterprises (SMEs)
  • 9.4.2. Large Enterprises
• 9.5. By Industry (USD)
  • 9.5.1. BFSI
  • 9.5.2. Retail & E-commerce
  • 9.5.3. IT & Telecom
  • 9.5.4. Government
  • 9.5.5. Healthcare
  • 9.5.6. Energy & Utilities
  • 9.5.7. Travel & Tourism
  • 9.5.8. Others (Manufacturing, Education etc.)
• 9.6. By Country (USD)
  • 9.6.1. Turkey
  • 9.6.2. Israel
  • 9.6.3. GCC
  • 9.6.4. North Africa
  • 9.6.5. South Africa
  • 9.6.6. Rest of MEA

10. South America Real-Time Payments Market Size Estimates and Forecasts, By Segments, 2019-2032

• 10.1. Key Findings
• 10.2. By Payment Type (USD)
  • 10.2.1. Person to Person (P2P)
  • 10.2.2. Person to Business (P2B)
  • 10.2.3. Business to Business (B2B)
  • 10.2.4. Others (Government to Business (G2B), Government to Person (G2P), etc.)
• 10.3. By Deployment (USD)
  • 10.3.1. On-premise
  • 10.3.2. Cloud
• 10.4. By Enterprise Type (USD)
  • 10.4.1. Small and Medium Enterprises (SMEs)
  • 10.4.2. Large Enterprises
• 10.5. By Industry (USD)
  • 10.5.1. BFSI
  • 10.5.2. Retail & E-commerce
  • 10.5.3. IT & Telecom
  • 10.5.4. Government
  • 10.5.5. Healthcare
  • 10.5.6. Energy & Utilities
  • 10.5.7. Travel & Tourism
  • 10.5.8. Others (Manufacturing, Education etc.)
• 10.6. By Country (USD)
  • 10.6.1. Brazil
  • 10.6.2. Argentina
  • 10.6.3. Rest of South America

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

• 11.1. ACI Worldwide.
  • 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. Financial Software & Systems Pvt. Ltd.
  • 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. Fiserv, Inc.
  • 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. Mastercard Inc.
  • 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. Visa 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. Nium Pte. Ltd.
  • 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. NovoPayment, Inc.
  • 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. Finastra
  • 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. Volante Technologies, LLC
  • 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