영국의 실시간 결제 : 시장 점유율 분석, 업계 동향 및 통계, 성장 예측(2026-2031년)

According to Mordor Intelligence, the United Kingdom real time payments market size in 2026 is estimated at USD 3.78 billion, growing from 2025 value of USD 2.79 billion with 2031 projections showing USD 17.37 billion, growing at 35.62% CAGR over 2026-2031.

This report is Segmented by Transaction Type (Peer-To-Peer (P2P), Peer-To-Business (P2B)), Component (Platform / Solution, Services), Deployment Mode (Cloud, On-Premise), Enterprise Size (Large Enterprises, Small and Medium Enterprises), End-User Industry (Retail and E-Commerce, BFSI, Utilities and Telecom, Healthcare, and More). The Market Forecasts are Provided in Terms of Value (USD).

United Kingdom Real Time Payments Market Trends and Insights

Faster-Payments Infrastructure Maturity Accelerates Market Growth

Transactions settle within seconds instead of days, with 5 billion processed in 2024, a 15% annual rise. Reliability reached 99.9% uptime that year, encouraging overlay innovations such as Request to Pay and Confirmation of Payee. Raising the single-payment ceiling to GBP 1 million (USD 1.27 million) in 2024 expanded business-to-business use cases. Network effects amplify adoption as every new participant increases overall utility.

Rising Mobile-Internet Penetration Creates Payment Behaviour Shift

Eighty-seven percent of UK adults bank online. Digital-wallet share of card transactions rose from 8% in 2019 to 29% in 2023. Banks are enhancing mobile apps to integrate FPS, while higher contactless limits raise expectations for instant settlement. As merchants align checkout options with consumer demands, momentum feeds compound growth.

Escalating Authorised Push-Payment Fraud Undermines Consumer Confidence

APP fraud losses hit GBP 459.7 million (USD 584 million) across 232,429 cases in 2023. Mandatory reimbursement, effective October 2024, caps refunds at GBP 85,000 (USD 108,000). While the rule protects victims, compliance costs may slow provider innovation.

Other drivers and restraints analyzed in the detailed report include:

1. Decline of Cash and Cheques Creates Digital Payment Opportunity
2. Open-Banking Variable-Recurring-Payments Revolutionise Subscription Economy
3. Legacy-Core Modernisation Delays Create Competitive Disadvantage

For complete list of drivers and restraints, kindly check the Table Of Contents.

Segment Analysis

P2P accounted for 60.35% of the United Kingdom real time payments market in 2025. The segment benefits from mobile-first lifestyle shifts, chat-embedded transfers, and zero-cost settlement. Banking brands cultivate loyalty by pairing social features with bank-grade security, translating engagement into multi-product cross-sell opportunities. Gen-Z adoption and rising digital-wallet penetration reinforce network effects that keep P2P in a leadership position.

P2B is forecast to compound at 37.15% between 2026 and 2031, outpacing every other segment. Visa A2A and expanding VRPs lower acceptance costs compared with cards, creating fresh value for merchants. E-commerce platforms integrating account-to-account checkout anticipate higher conversion rates, fewer chargebacks, and next-day cash availability. As billers migrate from direct debit to VRP, payment failures fall, supporting working-capital optimisation.

Platform and solution offerings held 70.25% share of the United Kingdom real time payments market size in 2025. Banks invest heavily in clearing engines, fraud analytics, and open-API layers that permit real-time orchestration. ISO 20022 compliance demands richer structured data, incentivising upgrades of message hubs and data warehouses.

Services are predicted to grow 36.05% CAGR to 2031, reflecting rising demand for implementation, migration, and managed-operations expertise. Institutions outsourcing transformation de-risk projects and accelerate time-to-value. Providers differentiate on reference architectures, sandbox testing, and post-go-live optimisation support.

Complete Report Scope:

• By Transaction Type
  • Peer-to-Peer (P2P)
  • Peer-to-Business (P2B)
• By Component
  • Platform / Solution
  • Services
• By Deployment Mode
  • Cloud
  • On-Premise
• By Enterprise Size
  • Large Enterprises
  • Small and Medium Enterprises
• By End-User Industry
  • Retail and E-Commerce
  • BFSI
  • Utilities and Telecom
  • Healthcare
  • Government and Public Sector
  • Other End-user Industries

List of Companies Covered in this Report:

1. ACI Worldwide Inc.
2. Fiserv Inc.
3. PayPal Holdings Inc.
4. Mastercard Inc. (Vocalink)
5. Google LLC (Google Pay)
6. Visa Inc.
7. Apple Inc. (Apple Pay)
8. Samsung Electronics Co. Ltd (Samsung Pay)
9. Diners Club International
10. Finastra Ltd.
11. Pay.UK
12. Wise plc
13. Revolut Ltd.
14. Monzo Bank Ltd.
15. Starling Bank Ltd.
16. Modulr Finance Ltd.
17. Checkout.com
18. Stripe Inc.
19. Adyen N.V.
20. Square UK (Block Inc.)
21. Barclays plc
22. HSBC UK Bank plc
23. Lloyds Banking Group plc
24. Worldpay (FIS)

Additional Benefits:

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

TABLE OF CONTENTS

1 INTRODUCTION

• 1.1 Study Assumptions and Market Definition
• 1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET LANDSCAPE

• 4.1 Market Overview
• 4.2 Market Drivers
  • 4.2.1 Faster-Payments infrastructure maturity
  • 4.2.2 Rising mobile-internet penetration
  • 4.2.3 Decline of cash and cheques drives the market
  • 4.2.4 Open-Banking variable-recurring-payments (VRP) rollout
  • 4.2.5 Gen-Z uptake of bank-branded social-payment apps
• 4.3 Market Restraints
  • 4.3.1 Escalating authorised push-payment fraud
  • 4.3.2 Legacy-core modernisation delays at Tier-2 banks
  • 4.3.3 Slow ISO 20022 migration among indirect FPS participants
• 4.4 Value Chain Analysis
• 4.5 Regulatory Landscape
• 4.6 Technological Outlook
• 4.7 Porter's Five Forces Analysis
  • 4.7.1 Bargaining Power of Suppliers
  • 4.7.2 Bargaining Power of Buyers
  • 4.7.3 Threat of New Entrants
  • 4.7.4 Threat of Substitutes
  • 4.7.5 Competitive Rivalry
• 4.8 Assessment of Macro Economic Trends on the Market

5 MARKET SIZE AND GROWTH FORECASTS (VALUES)

• 5.1 By Transaction Type
  • 5.1.1 Peer-to-Peer (P2P)
  • 5.1.2 Peer-to-Business (P2B)
• 5.2 By Component
  • 5.2.1 Platform / Solution
  • 5.2.2 Services
• 5.3 By Deployment Mode
  • 5.3.1 Cloud
  • 5.3.2 On-Premise
• 5.4 By Enterprise Size
  • 5.4.1 Large Enterprises
  • 5.4.2 Small and Medium Enterprises
• 5.5 By End-User Industry
  • 5.5.1 Retail and E-Commerce
  • 5.5.2 BFSI
  • 5.5.3 Utilities and Telecom
  • 5.5.4 Healthcare
  • 5.5.5 Government and Public Sector
  • 5.5.6 Other End-user Industries

6 COMPETITIVE LANDSCAPE

• 6.1 Market Concentration
• 6.2 Strategic Moves
• 6.3 Market Share Analysis
• 6.4 Company Profiles (Includes Global level Overview, Market level overview, Core Segments, Financials as available, Strategic Information, Market Rank/Share for key companies, Products and Services, and Recent Developments)
  • 6.4.1 ACI Worldwide Inc.
  • 6.4.2 Fiserv Inc.
  • 6.4.3 PayPal Holdings Inc.
  • 6.4.4 Mastercard Inc. (Vocalink)
  • 6.4.5 Google LLC (Google Pay)
  • 6.4.6 Visa Inc.
  • 6.4.7 Apple Inc. (Apple Pay)
  • 6.4.8 Samsung Electronics Co. Ltd (Samsung Pay)
  • 6.4.9 Diners Club International
  • 6.4.10 Finastra Ltd.
  • 6.4.11 Pay.UK
  • 6.4.12 Wise plc
  • 6.4.13 Revolut Ltd.
  • 6.4.14 Monzo Bank Ltd.
  • 6.4.15 Starling Bank Ltd.
  • 6.4.16 Modulr Finance Ltd.
  • 6.4.17 Checkout.com
  • 6.4.18 Stripe Inc.
  • 6.4.19 Adyen N.V.
  • 6.4.20 Square UK (Block Inc.)
  • 6.4.21 Barclays plc
  • 6.4.22 HSBC UK Bank plc
  • 6.4.23 Lloyds Banking Group plc
  • 6.4.24 Worldpay (FIS)

7 MARKET OPPORTUNITIES AND FUTURE OUTLOOK

• 7.1 White-space and Unmet-Need Assessment