B2B 결제 시장 예측(-2032년) : 결제 유형별, 결제 모드별, 결제방법별, 기업 규모별, 최종사용자별, 지역별 세계 분석

According to Stratistics MRC, the Global B2B Payments Market is accounted for $1,989.7 billion in 2025 and is expected to reach $4,236.2 billion by 2032 growing at a CAGR of 11.4% during the forecast period. B2B payments refer to financial transactions conducted between businesses rather than between a business and individual consumers. These payments typically involve larger sums, more complex processes, and longer payment cycles compared to consumer payments. B2B payments can include invoices for goods or services, supplier payments, payroll, and other intercompany transfers. They often require secure, reliable, and efficient methods to manage cash flow and maintain strong business relationships.

According to Bottomline 2022, B2B Payments Survey Report, 49% of businesses experienced a serious fraud attempt in 2021, which has a huge impact on the market growth.

Market Dynamics:

Driver:

Digital Transformation & Automation

Digital transformation and automation are revolutionizing the B2B payments market by enhancing speed, accuracy, and security. Automated processes reduce manual errors and operational costs while accelerating transaction times, fostering seamless cash flow management. Digital tools enable real-time payment tracking and improved transparency, strengthening trust between businesses. Additionally, advanced analytics provide actionable insights for smarter financial decisions. Overall, these innovations boost efficiency, reduce fraud risk, and create a customer-centric payment ecosystem, driving growth in the B2B landscape.

Restraint:

High Integration Costs

High integration costs in the B2B payments market create significant barriers for businesses, especially small and medium enterprises. These expenses delay adoption of advanced payment systems, limiting efficiency and innovation. High costs also reduce competitiveness by discouraging seamless connectivity between platforms, causing operational bottlenecks. Ultimately, this slows market growth, restricts access to modern financial technologies, and hampers overall digital transformation within the B2B payments ecosystem.

Opportunity:

Rising Demand for Faster Payments

The rising demand for faster payments is transforming the B2B payments market by accelerating transaction speeds and improving cash flow management for businesses. This shift enhances operational efficiency, reduces payment delays, and strengthens supplier relationships. Real-time payments foster greater transparency and security, boosting trust among trading partners. Additionally, faster payment solutions encourage digital adoption, driving innovation and competitiveness in the B2B ecosystem.

Threat:

Complexity of Legacy Systems

The complexity of legacy systems poses significant challenges to the B2B payments market by slowing down modernization efforts. These outdated systems are often inflexible, costly to maintain, and incompatible with new digital payment technologies, leading to integration issues and increased operational risks. As a result, businesses face delays, higher expenses, and limited scalability, hindering the adoption of efficient, automated payment solutions and overall market growth.

Covid-19 Impact

The Covid-19 pandemic significantly accelerated digital transformation in the B2B payments market. With remote work and social distancing, businesses shifted from traditional paper-based and check payments to faster, contactless digital payment solutions. This shift increased demand for automation, enhanced security, and real-time payment processing. Overall, Covid-19 acted as a catalyst, driving innovation and adoption of advanced technologies in the B2B payments ecosystem globally.

The digital segment is expected to be the largest during the forecast period

The digital segment is expected to account for the largest market share during the forecast period because it streamlines transactions through automation and real-time processing, reducing errors and operational costs. Digital platforms facilitate seamless cross-border payments, improving global trade efficiency. Advanced analytics offer better cash flow management and fraud detection. Overall, digitalization drives greater convenience and trust among businesses, accelerating payment cycles and fostering stronger B2B relationships, ultimately boosting market growth and competitiveness.

The credit card segment is expected to have the highest CAGR during the forecast period

Over the forecast period, the credit card segment is predicted to witness the highest growth rate, as it enables businesses to streamline payments, improve cash flow management, and access credit facilities, fostering smoother supplier relationships. Digitalization and reward programs further incentivize usage, boosting adoption. Additionally, credit cards support better expense tracking and reconciliation, reducing administrative burden. Moreover, they contribute to increased efficiency, transparency, and financial flexibility in B2B payment ecosystems, accelerating market growth.

Region with largest share:

During the forecast period, the Asia Pacific region is expected to hold the largest market share as Digital payment solutions promote transparency, security, and cost savings, fostering stronger business relationships. Increased adoption of fintech innovations accelerates cross-border trade and financial inclusion for SMEs. This market growth supports regional integration, boosts cash flow management, and encourages investments, ultimately empowering businesses to scale rapidly and contributing to the digital transformation of Asia Pacific's commercial landscape.

Region with highest CAGR:

Over the forecast period, the North America region is anticipated to exhibit the highest CAGR, because Advanced digital payment solutions and automation are accelerating cash flow, improving financial transparency, and minimizing errors. This fosters stronger supplier relationships and boosts overall business productivity. Additionally, the market's innovation promotes secure, faster cross-border payments, fueling regional trade growth. These advancements support economic expansion and strengthen North America's position as a leader in global B2B commerce.

Key players in the market

Some of the key players profiled in the B2B Payments Market include Stripe, PayPal, Adyen, Fiserv, Mastercard, Visa, American Express, JPMorgan Chase, Citi, SAP Concur, Bill.com, Coupa, AvidXchange, Airwallex, Veem, Tradeshift, Bottomline Technologies and Flywire.

Key Developments:

In May 2025, Visa and EgyptAir have entered into an exclusive multi-year agreement focused on co-branded payment products, targeting Egypt's aviation and travel sectors. This partnership introduced the "Mileseverywhere" credit card, developed in collaboration with MasterCard and Commercial International Bank (CIB).

In December 2024, Card.com Corporation, has announced a collaboration with Visa to introduce Visa Direct Cross-Border payments. This partnership aims to provide Card.com customers with fast, secure, and convenient international payment options.

Payment Types Covered:

• Domestic Payments
• Cross-Border Payments

Payment Modes Covered:

• Traditional
• Digital

Payment Methods Covered:

• ACH
• Wire
• Cheque
• Cash
• Demand Draft
• Credit Card

Enterprise Sizes Covered:

• Large Enterprise
• Medium-sized Enterprise
• Small-sized Enterprise

End Users Covered:

• Manufacturing
• IT and Telecom
• Metals and Mining
• Energy and Utilities
• Healthcare
• Retail & E-Commerce
• Transportation & Logistics
• BFSI (Banking, Financial Services, and Insurance)
• Other End Users

Regions Covered:

• North America
  • US
  • Canada
  • Mexico
• Europe
  • Germany
  • UK
  • Italy
  • France
  • Spain
  • Rest of Europe
• Asia Pacific
  • Japan
  • China
  • India
  • Australia
  • New Zealand
  • South Korea
  • Rest of Asia Pacific
• South America
  • Argentina
  • Brazil
  • Chile
  • Rest of South America
• Middle East & Africa
  • Saudi Arabia
  • UAE
  • Qatar
  • South Africa
  • Rest of Middle East & Africa

What our report offers:

• Market share assessments for the regional and country-level segments
• Strategic recommendations for the new entrants
• Covers Market data for the years 2022, 2023, 2024, 2026, and 2030
• Market Trends (Drivers, Constraints, Opportunities, Threats, Challenges, Investment Opportunities, and recommendations)
• Strategic recommendations in key business segments based on the market estimations
• Competitive landscaping mapping the key common trends
• Company profiling with detailed strategies, financials, and recent developments
• Supply chain trends mapping the latest technological advancements

Free Customization Offerings:

All the customers of this report will be entitled to receive one of the following free customization options:

• Company Profiling
  • Comprehensive profiling of additional market players (up to 3)
  • SWOT Analysis of key players (up to 3)
• Regional Segmentation
  • Market estimations, Forecasts and CAGR of any prominent country as per the client's interest (Note: Depends on feasibility check)
• Competitive Benchmarking
  • Benchmarking of key players based on product portfolio, geographical presence, and strategic alliances

Table of Contents

1 Executive Summary

2 Preface

• 2.1 Abstract
• 2.2 Stake Holders
• 2.3 Research Scope
• 2.4 Research Methodology
  • 2.4.1 Data Mining
  • 2.4.2 Data Analysis
  • 2.4.3 Data Validation
  • 2.4.4 Research Approach
• 2.5 Research Sources
  • 2.5.1 Primary Research Sources
  • 2.5.2 Secondary Research Sources
  • 2.5.3 Assumptions

3 Market Trend Analysis

• 3.1 Introduction
• 3.2 Drivers
• 3.3 Restraints
• 3.4 Opportunities
• 3.5 Threats
• 3.6 End User Analysis
• 3.7 Emerging Markets
• 3.8 Impact of Covid-19

4 Porters Five Force Analysis

• 4.1 Bargaining power of suppliers
• 4.2 Bargaining power of buyers
• 4.3 Threat of substitutes
• 4.4 Threat of new entrants
• 4.5 Competitive rivalry

5 Global B2B Payments Market, By Payment Type

• 5.1 Introduction
• 5.2 Domestic Payments
• 5.3 Cross-Border Payments

6 Global B2B Payments Market, By Payment Mode

• 6.1 Introduction
• 6.2 Traditional
• 6.3 Digital

7 Global B2B Payments Market, By Payment Method

• 7.1 Introduction
• 7.2 ACH
• 7.3 Wire
• 7.4 Cheque
• 7.5 Cash
• 7.6 Demand Draft
• 7.7 Credit Card

8 Global B2B Payments Market, By Enterprise Size

• 8.1 Introduction
• 8.2 Large Enterprise
• 8.3 Medium-sized Enterprise
• 8.4 Small-sized Enterprise

9 Global B2B Payments Market, By End User

• 9.1 Introduction
• 9.2 Manufacturing
• 9.3 IT and Telecom
• 9.4 Metals and Mining
• 9.5 Energy and Utilities
• 9.6 Healthcare
• 9.7 Retail & E-commerce
• 9.9 Transportation & Logistics
• 9.9 BFSI (Banking, Financial Services, and Insurance)
• 9.10 Other End Users

10 Global B2B Payments Market, By Geography

• 10.1 Introduction
• 10.2 North America
  • 10.2.1 US
  • 10.2.2 Canada
  • 10.2.3 Mexico
• 10.3 Europe
  • 10.3.1 Germany
  • 10.3.2 UK
  • 10.3.3 Italy
  • 10.3.4 France
  • 10.3.5 Spain
  • 10.3.6 Rest of Europe
• 10.4 Asia Pacific
  • 10.4.1 Japan
  • 10.4.2 China
  • 10.4.3 India
  • 10.4.4 Australia
  • 10.4.5 New Zealand
  • 10.4.6 South Korea
  • 10.4.7 Rest of Asia Pacific
• 10.5 South America
  • 10.5.1 Argentina
  • 10.5.2 Brazil
  • 10.5.3 Chile
  • 10.5.4 Rest of South America
• 10.6 Middle East & Africa
  • 10.6.1 Saudi Arabia
  • 10.6.2 UAE
  • 10.6.3 Qatar
  • 10.6.4 South Africa
  • 10.6.5 Rest of Middle East & Africa

11 Key Developments

• 11.1 Agreements, Partnerships, Collaborations and Joint Ventures
• 11.2 Acquisitions & Mergers
• 11.3 New Product Launch
• 11.4 Expansions
• 11.5 Other Key Strategies

12 Company Profiling

• 12.1 Stripe
• 12.2 PayPal
• 12.3 Adyen
• 12.4 Fiserv
• 12.5 Mastercard
• 12.6 Visa
• 12.7 American Express
• 12.8 JPMorgan Chase
• 12.9 Citi
• 12.10 SAP Concur
• 12.11 Bill.com
• 12.12 Coupa
• 12.13 AvidXchange
• 12.14 Airwallex
• 12.15 Veem
• 12.16 Tradeshift
• 12.17 Bottomline Technologies
• 12.18 Flywire