차량내 결제 서비스 시장 기회, 성장 촉진요인, 산업 동향 분석, 예측(2025-2034년)

The Global In-Vehicle Payment Services Market was valued at USD 1.4 billion in 2024 and is projected to experience a robust growth rate of 26.7% CAGR from 2025 to 2034. The market expansion is being propelled by the increasing integration of advanced technologies such as the Internet of Things (IoT), 5G, and artificial intelligence (AI) in connected vehicles. These innovations enable seamless communication between vehicles, payment systems, and service providers, leading to faster adoption of in-vehicle payment solutions. With the automotive sector undergoing a transformation through connected, autonomous, and electric vehicles, the demand for advanced payment solutions is higher than ever before. These technologies not only offer consumers a more convenient and efficient way to manage payments but also improve the overall driving experience.

The convenience provided by real-time data processing, voice-activated transactions, and enhanced security features has made in-vehicle payment systems highly appealing to both consumers and service providers. In addition, the growing popularity of electric and autonomous vehicles has amplified the need for reliable payment solutions, particularly for services such as toll payments and EV charging. With the increasing number of electric vehicles on the road, more drivers are seeking seamless, efficient methods to pay for their charging sessions while on the go, further accelerating market growth. As these systems continue to evolve, the market is expected to see exponential growth in the coming years, fueled by innovation and consumer demand for simplified payment experiences.

The market is divided into two primary payment methods: wallets and debit/credit cards. The debit/credit card segment held a significant share of 56% in 2024 and is projected to generate USD 7.2 billion by 2034. This dominance can be attributed to the widespread acceptance and trust associated with card-based payments. Consumers are increasingly drawn to debit and credit card payments due to their robust security features, including fraud protection and real-time transaction monitoring. Additionally, these cards are highly compatible with a wide range of digital payment ecosystems, making them a preferred choice for consumers globally.

In terms of applications, the market is segmented into fueling/EV charging, smart parking, automated toll payments, and e-commerce. The fueling and EV charging segment captured the largest market share of 40% in 2024, driven by the essential nature of these services, particularly as the shift toward electric vehicles continues to gain momentum. As these services are crucial for vehicle operation, they contribute significantly to the volume of in-vehicle transactions.

The U.S. in-vehicle payment services market held a dominant share of 76% in 2024, a testament to the country's advanced automotive industry and the widespread adoption of connected vehicle technologies. The U.S. benefits from an established infrastructure that includes a vast network of toll systems, smart parking solutions, and expanding EV charging stations. These factors have created an ideal environment for the seamless integration of in-vehicle payment systems. Additionally, the growing preference for contactless and convenient payment options among consumers has accelerated the adoption of these systems. Strong partnerships between automakers, fintech companies, and technology providers are driving ongoing innovation and ensuring that these payment solutions continue to evolve and expand.

Table of Contents

Chapter 1 Methodology & Scope

• 1.1 Research design
  • 1.1.1 Research approach
  • 1.1.2 Data collection methods
• 1.2 Base estimates and calculations
  • 1.2.1 Base year calculation
  • 1.2.2 Key trends for market estimates
• 1.3 Forecast model
• 1.4 Primary research & validation
  • 1.4.1 Primary sources
  • 1.4.2 Data mining sources
• 1.5 Market definitions

Chapter 2 Executive Summary

• 2.1 Industry synopsis, 2021 - 2034

Chapter 3 Industry Insights

• 3.1 Industry ecosystem analysis
  • 3.1.1 Mobile payment service providers
  • 3.1.2 Banks & financial institutions
  • 3.1.3 Merchants & retailers
  • 3.1.4 End use
• 3.2 Supplier landscape
• 3.3 Profit margin analysis
• 3.4 Technology & innovation landscape
• 3.5 Key news & initiatives
• 3.6 Regulatory landscape
• 3.7 Impact forces
  • 3.7.1 Growth drivers
    • 3.7.1.1 Technological advancements in connected vehicles
    • 3.7.1.2 Rising demand for convenience
    • 3.7.1.3 Expansion of smart cities and infrastructure
    • 3.7.1.4 Growing adoption of electric vehicles (EV)
  • 3.7.2 Industry pitfalls & challenges
    • 3.7.2.1 High implementation costs
    • 3.7.2.2 Cybersecurity and data privacy concerns
• 3.8 Growth potential analysis
• 3.9 Porter’s analysis
• 3.10 PESTEL analysis

Chapter 4 Competitive Landscape, 2024

• 4.1 Introduction
• 4.2 Company market share analysis
• 4.3 Competitive positioning matrix
• 4.4 Strategic outlook matrix

Chapter 5 Market Estimates & Forecast, By Payment Mode, 2021 - 2034 ($Bn)

• 5.1 Key trends
• 5.2 Wallet
• 5.3 Debit/Credit card

Chapter 6 Market Estimates & Forecast, By Application, 2021 - 2034 ($Bn)

• 6.1 Key trends
• 6.2 Fuelling/EV charging
• 6.3 Smart parking
• 6.4 Automated toll payments
• 6.5 E-commerce
• 6.6 Others

Chapter 7 Market Estimates & Forecast, By Region, 2021 - 2034 ($Bn)

• 7.1 Key trends
• 7.2 North America
  • 7.2.1 U.S.
  • 7.2.2 Canada
• 7.3 Europe
  • 7.3.1 UK
  • 7.3.2 Germany
  • 7.3.3 France
  • 7.3.4 Spain
  • 7.3.5 Italy
  • 7.3.6 Nordics
  • 7.3.7 Russia
• 7.4 Asia Pacific
  • 7.4.1 China
  • 7.4.2 India
  • 7.4.3 Japan
  • 7.4.4 South Korea
  • 7.4.5 Australia
  • 7.4.6 Southeast Asia
• 7.5 Latin America
  • 7.5.1 Brazil
  • 7.5.2 Mexico
  • 7.5.3 Argentina
• 7.6 MEA
  • 7.6.1 UAE
  • 7.6.2 South Africa
  • 7.6.3 Saudi Arabia

Chapter 8 Company Profiles

• 8.1 Amazon Web Services Inc.
• 8.2 Daimler AG
• 8.3 Ford Motor Company
• 8.4 General Motors
• 8.5 Google LLC
• 8.6 Hyundai Motor
• 8.7 IBM Corporation
• 8.8 Jaguar Land Rover Automotive PLC
• 8.9 Mastercard
• 8.10 ParkMobile
• 8.11 PayPal
• 8.12 Shell
• 8.13 Visa Inc.
• 8.14 Volkswagen AG
• 8.15 ZF Friedrichshafen AG