B2B 결제 시장 - 세계 산업 규모, 점유율, 동향, 기회, 예측 : 지불 유형별, 기업 규모별, 지불 방법별, 업계 종단, 지역별＆경쟁(2021-2031년)

The Global B2B Payments Market is projected to expand significantly, rising from USD 14.56 Trillion in 2025 to USD 25.95 Trillion by 2031, reflecting a CAGR of 10.11%. This market encompasses the recurring transfer of funds between business entities to settle obligations for goods and services. Growth is largely fueled by the continued digitalization of accounts payable processes and a growing requirement for automated financial workflows that enhance operational efficiency. These drivers are hastening the transition from paper checks to electronic payment methods to achieve faster settlement, a trend evidenced by Nacha's report that B2B payment volume on the ACH Network grew by 11.6 percent to 7.3 billion payments in 2024.

However, the sector faces substantial challenges related to security vulnerabilities and persistent financial fraud. The high value associated with corporate transactions frequently attracts targeted cyber threats, such as business email compromise, which can hinder the adoption of digital solutions. Data from the Association for Financial Professionals indicates that 79 percent of organizations were victims of attempted or actual payment fraud in 2024. Consequently, establishing secure transaction environments and robust verification protocols remains essential for sustaining market acceptance and growth.

Market Driver

A primary catalyst propelling the market is the expansion of global cross-border trade and international supply chains. As organizations increasingly source goods from various regions, there is an intensified demand for multi-currency settlement capabilities and transparent foreign exchange mechanisms. This globalization forces payment providers to modernize their infrastructure to accommodate complex, high-value transactions that traditional correspondent banking models often delay. Highlighting this trend, Visa reported in its Fiscal Year 2024 Results in October 2024 that cross-border volume, excluding intra-Europe, grew by 13 percent, while Swift noted in the same month that 90 percent of cross-border payments on its network reached the destination bank within an hour, underscoring improved settlement efficiency.

Concurrently, the adoption of real-time payment infrastructures and instant settlement networks is fundamentally transforming corporate cash management. Businesses are shifting away from batch-processing systems in favor of instant rails that provide immediate fund availability and 24/7 clearing capabilities. This transition is driven by the necessity for working capital optimization and the capability to finalize time-sensitive payments without the delays inherent in legacy methods. The rapid expansion of these systems is evident in data from The Clearing House's January 2025 press release, which revealed that payment value on the RTP network surged by 94 percent to $246 billion in 2024, confirming the sector's aggressive move toward speed and certainty in financial exchanges.

Market Challenge

Security vulnerabilities and the persistence of financial fraud constitute a major obstacle to the expansion of the Global B2B Payments Market. As enterprises strive to digitize their financial workflows, the significant value involved in corporate transactions renders them attractive targets for sophisticated cyber threats. This hostile landscape creates a culture of risk aversion, causing organizations to hesitate in fully abandoning established legacy systems. The fear of substantial capital loss forces companies to prioritize defensive security measures over rapid operational growth, necessitating rigorous verification protocols that introduce friction into payment processes and counteract the efficiency digital solutions aim to provide.

The frequency of these targeted attacks directly erodes confidence in electronic payment infrastructures and diverts resources that could otherwise support market development. According to the Association for Financial Professionals, 63 percent of organizations reported in 2024 that wire transfers were the payment method most frequently targeted by business email compromise scams. This high incidence of attacks on digital channels compels enterprises to allocate significant investments toward fraud prevention and compliance rather than innovation, effectively slowing the broader adoption of modern B2B payment technologies.

Market Trends

The integration of embedded finance within B2B platforms is fundamentally changing how software providers generate revenue and serve corporate clients. SaaS platforms are increasingly incorporating payment processing, lending, and business accounts directly into their workflows, enabling enterprises to handle financial operations without exiting their primary operational interfaces. This consolidation enhances user engagement and unlocks significant new revenue streams for non-financial platforms catering to small and medium-sized businesses. Highlighting this growth, Adyen's Embedded Finance Report 2024 from October 2024 noted that the total addressable market for embedded finance within SaaS platforms reached $185 billion in 2024, representing a 25 percent increase since 2022.

Simultaneously, the proliferation of virtual commercial card solutions is accelerating as organizations focus on fraud reduction and precise expense management. These digital instruments utilize unique, often single-use account numbers for specific transactions, significantly mitigating security risks linked to physical cards while facilitating the automated reconciliation of accounts payable data. This trend is particularly notable among mid-sized firms modernizing their receivables processes to ensure timely capital collection. According to a PYMNTS report from April 2024 titled Optimizing AR to Mitigate Uncertainty for Middle-Market Businesses, 60 percent of smaller middle-market firms reported receiving payments via virtual cards during the preceding six months.

Key Market Players

• Payoneer Inc.
• TransferWise Ltd
• JPMorgan & Chase
• Square, Inc.
• Stripe
• Mastercard
• American Express
• Paystand Inc.
• Visa Inc.
• PayPal Holdings, Inc.

Report Scope

In this report, the Global B2B Payments Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:

B2B Payments Market, By Payment Type

• Domestic Payments
• Cross-border Payments

B2B Payments Market, By Enterprise Size

• Large Enterprises
• Medium-sized Enterprises
• Small-sized Enterprises

B2B Payments Market, By Payment Method

• Bank Transfer
• Cards
• Others

B2B Payments Market, By Industry Vertical

• Manufacturing
• IT and Telecom
• Metals and Mining
• Energy and Utilities
• Others

B2B Payments Market, By Region

• North America
  • United States
  • Canada
  • Mexico
• Europe
  • France
  • United Kingdom
  • Italy
  • Germany
  • Spain
• Asia Pacific
  • China
  • India
  • Japan
  • Australia
  • South Korea
• South America
  • Brazil
  • Argentina
  • Colombia
• Middle East & Africa
  • South Africa
  • Saudi Arabia
  • UAE

Competitive Landscape

Company Profiles: Detailed analysis of the major companies present in the Global B2B Payments Market.

Available Customizations:

Global B2B Payments Market report with the given market data, TechSci Research offers customizations according to a company's specific needs. The following customization options are available for the report:

Company Information

• Detailed analysis and profiling of additional market players (up to five).

Table of Contents

1. Product Overview

• 1.1. Market Definition
• 1.2. Scope of the Market
  • 1.2.1. Markets Covered
  • 1.2.2. Years Considered for Study
  • 1.2.3. Key Market Segmentations

2. Research Methodology

• 2.1. Objective of the Study
• 2.2. Baseline Methodology
• 2.3. Key Industry Partners
• 2.4. Major Association and Secondary Sources
• 2.5. Forecasting Methodology
• 2.6. Data Triangulation & Validation
• 2.7. Assumptions and Limitations

3. Executive Summary

• 3.1. Overview of the Market
• 3.2. Overview of Key Market Segmentations
• 3.3. Overview of Key Market Players
• 3.4. Overview of Key Regions/Countries
• 3.5. Overview of Market Drivers, Challenges, Trends

4. Voice of Customer

5. Global B2B Payments Market Outlook

• 5.1. Market Size & Forecast
  • 5.1.1. By Value
• 5.2. Market Share & Forecast
  • 5.2.1. By Payment Type (Domestic Payments, Cross-border Payments)
  • 5.2.2. By Enterprise Size (Large Enterprises, Medium-sized Enterprises, Small-sized Enterprises)
  • 5.2.3. By Payment Method (Bank Transfer, Cards, Others)
  • 5.2.4. By Industry Vertical (Manufacturing, IT and Telecom, Metals and Mining, Energy and Utilities, Others)
  • 5.2.5. By Region
  • 5.2.6. By Company (2025)
• 5.3. Market Map

6. North America B2B Payments Market Outlook

• 6.1. Market Size & Forecast
  • 6.1.1. By Value
• 6.2. Market Share & Forecast
  • 6.2.1. By Payment Type
  • 6.2.2. By Enterprise Size
  • 6.2.3. By Payment Method
  • 6.2.4. By Industry Vertical
  • 6.2.5. By Country
• 6.3. North America: Country Analysis
  • 6.3.1. United States B2B Payments Market Outlook
    • 6.3.1.1. Market Size & Forecast
      • 6.3.1.1.1. By Value
    • 6.3.1.2. Market Share & Forecast
      • 6.3.1.2.1. By Payment Type
      • 6.3.1.2.2. By Enterprise Size
      • 6.3.1.2.3. By Payment Method
      • 6.3.1.2.4. By Industry Vertical
  • 6.3.2. Canada B2B Payments Market Outlook
    • 6.3.2.1. Market Size & Forecast
      • 6.3.2.1.1. By Value
    • 6.3.2.2. Market Share & Forecast
      • 6.3.2.2.1. By Payment Type
      • 6.3.2.2.2. By Enterprise Size
      • 6.3.2.2.3. By Payment Method
      • 6.3.2.2.4. By Industry Vertical
  • 6.3.3. Mexico B2B Payments Market Outlook
    • 6.3.3.1. Market Size & Forecast
      • 6.3.3.1.1. By Value
    • 6.3.3.2. Market Share & Forecast
      • 6.3.3.2.1. By Payment Type
      • 6.3.3.2.2. By Enterprise Size
      • 6.3.3.2.3. By Payment Method
      • 6.3.3.2.4. By Industry Vertical

7. Europe B2B Payments Market Outlook

• 7.1. Market Size & Forecast
  • 7.1.1. By Value
• 7.2. Market Share & Forecast
  • 7.2.1. By Payment Type
  • 7.2.2. By Enterprise Size
  • 7.2.3. By Payment Method
  • 7.2.4. By Industry Vertical
  • 7.2.5. By Country
• 7.3. Europe: Country Analysis
  • 7.3.1. Germany B2B Payments Market Outlook
    • 7.3.1.1. Market Size & Forecast
      • 7.3.1.1.1. By Value
    • 7.3.1.2. Market Share & Forecast
      • 7.3.1.2.1. By Payment Type
      • 7.3.1.2.2. By Enterprise Size
      • 7.3.1.2.3. By Payment Method
      • 7.3.1.2.4. By Industry Vertical
  • 7.3.2. France B2B Payments Market Outlook
    • 7.3.2.1. Market Size & Forecast
      • 7.3.2.1.1. By Value
    • 7.3.2.2. Market Share & Forecast
      • 7.3.2.2.1. By Payment Type
      • 7.3.2.2.2. By Enterprise Size
      • 7.3.2.2.3. By Payment Method
      • 7.3.2.2.4. By Industry Vertical
  • 7.3.3. United Kingdom B2B Payments Market Outlook
    • 7.3.3.1. Market Size & Forecast
      • 7.3.3.1.1. By Value
    • 7.3.3.2. Market Share & Forecast
      • 7.3.3.2.1. By Payment Type
      • 7.3.3.2.2. By Enterprise Size
      • 7.3.3.2.3. By Payment Method
      • 7.3.3.2.4. By Industry Vertical
  • 7.3.4. Italy B2B Payments Market Outlook
    • 7.3.4.1. Market Size & Forecast
      • 7.3.4.1.1. By Value
    • 7.3.4.2. Market Share & Forecast
      • 7.3.4.2.1. By Payment Type
      • 7.3.4.2.2. By Enterprise Size
      • 7.3.4.2.3. By Payment Method
      • 7.3.4.2.4. By Industry Vertical
  • 7.3.5. Spain B2B Payments Market Outlook
    • 7.3.5.1. Market Size & Forecast
      • 7.3.5.1.1. By Value
    • 7.3.5.2. Market Share & Forecast
      • 7.3.5.2.1. By Payment Type
      • 7.3.5.2.2. By Enterprise Size
      • 7.3.5.2.3. By Payment Method
      • 7.3.5.2.4. By Industry Vertical

8. Asia Pacific B2B Payments Market Outlook

• 8.1. Market Size & Forecast
  • 8.1.1. By Value
• 8.2. Market Share & Forecast
  • 8.2.1. By Payment Type
  • 8.2.2. By Enterprise Size
  • 8.2.3. By Payment Method
  • 8.2.4. By Industry Vertical
  • 8.2.5. By Country
• 8.3. Asia Pacific: Country Analysis
  • 8.3.1. China B2B Payments Market Outlook
    • 8.3.1.1. Market Size & Forecast
      • 8.3.1.1.1. By Value
    • 8.3.1.2. Market Share & Forecast
      • 8.3.1.2.1. By Payment Type
      • 8.3.1.2.2. By Enterprise Size
      • 8.3.1.2.3. By Payment Method
      • 8.3.1.2.4. By Industry Vertical
  • 8.3.2. India B2B Payments Market Outlook
    • 8.3.2.1. Market Size & Forecast
      • 8.3.2.1.1. By Value
    • 8.3.2.2. Market Share & Forecast
      • 8.3.2.2.1. By Payment Type
      • 8.3.2.2.2. By Enterprise Size
      • 8.3.2.2.3. By Payment Method
      • 8.3.2.2.4. By Industry Vertical
  • 8.3.3. Japan B2B Payments Market Outlook
    • 8.3.3.1. Market Size & Forecast
      • 8.3.3.1.1. By Value
    • 8.3.3.2. Market Share & Forecast
      • 8.3.3.2.1. By Payment Type
      • 8.3.3.2.2. By Enterprise Size
      • 8.3.3.2.3. By Payment Method
      • 8.3.3.2.4. By Industry Vertical
  • 8.3.4. South Korea B2B Payments Market Outlook
    • 8.3.4.1. Market Size & Forecast
      • 8.3.4.1.1. By Value
    • 8.3.4.2. Market Share & Forecast
      • 8.3.4.2.1. By Payment Type
      • 8.3.4.2.2. By Enterprise Size
      • 8.3.4.2.3. By Payment Method
      • 8.3.4.2.4. By Industry Vertical
  • 8.3.5. Australia B2B Payments Market Outlook
    • 8.3.5.1. Market Size & Forecast
      • 8.3.5.1.1. By Value
    • 8.3.5.2. Market Share & Forecast
      • 8.3.5.2.1. By Payment Type
      • 8.3.5.2.2. By Enterprise Size
      • 8.3.5.2.3. By Payment Method
      • 8.3.5.2.4. By Industry Vertical

9. Middle East & Africa B2B Payments Market Outlook

• 9.1. Market Size & Forecast
  • 9.1.1. By Value
• 9.2. Market Share & Forecast
  • 9.2.1. By Payment Type
  • 9.2.2. By Enterprise Size
  • 9.2.3. By Payment Method
  • 9.2.4. By Industry Vertical
  • 9.2.5. By Country
• 9.3. Middle East & Africa: Country Analysis
  • 9.3.1. Saudi Arabia B2B Payments Market Outlook
    • 9.3.1.1. Market Size & Forecast
      • 9.3.1.1.1. By Value
    • 9.3.1.2. Market Share & Forecast
      • 9.3.1.2.1. By Payment Type
      • 9.3.1.2.2. By Enterprise Size
      • 9.3.1.2.3. By Payment Method
      • 9.3.1.2.4. By Industry Vertical
  • 9.3.2. UAE B2B Payments Market Outlook
    • 9.3.2.1. Market Size & Forecast
      • 9.3.2.1.1. By Value
    • 9.3.2.2. Market Share & Forecast
      • 9.3.2.2.1. By Payment Type
      • 9.3.2.2.2. By Enterprise Size
      • 9.3.2.2.3. By Payment Method
      • 9.3.2.2.4. By Industry Vertical
  • 9.3.3. South Africa B2B Payments Market Outlook
    • 9.3.3.1. Market Size & Forecast
      • 9.3.3.1.1. By Value
    • 9.3.3.2. Market Share & Forecast
      • 9.3.3.2.1. By Payment Type
      • 9.3.3.2.2. By Enterprise Size
      • 9.3.3.2.3. By Payment Method
      • 9.3.3.2.4. By Industry Vertical

10. South America B2B Payments Market Outlook

• 10.1. Market Size & Forecast
  • 10.1.1. By Value
• 10.2. Market Share & Forecast
  • 10.2.1. By Payment Type
  • 10.2.2. By Enterprise Size
  • 10.2.3. By Payment Method
  • 10.2.4. By Industry Vertical
  • 10.2.5. By Country
• 10.3. South America: Country Analysis
  • 10.3.1. Brazil B2B Payments Market Outlook
    • 10.3.1.1. Market Size & Forecast
      • 10.3.1.1.1. By Value
    • 10.3.1.2. Market Share & Forecast
      • 10.3.1.2.1. By Payment Type
      • 10.3.1.2.2. By Enterprise Size
      • 10.3.1.2.3. By Payment Method
      • 10.3.1.2.4. By Industry Vertical
  • 10.3.2. Colombia B2B Payments Market Outlook
    • 10.3.2.1. Market Size & Forecast
      • 10.3.2.1.1. By Value
    • 10.3.2.2. Market Share & Forecast
      • 10.3.2.2.1. By Payment Type
      • 10.3.2.2.2. By Enterprise Size
      • 10.3.2.2.3. By Payment Method
      • 10.3.2.2.4. By Industry Vertical
  • 10.3.3. Argentina B2B Payments Market Outlook
    • 10.3.3.1. Market Size & Forecast
      • 10.3.3.1.1. By Value
    • 10.3.3.2. Market Share & Forecast
      • 10.3.3.2.1. By Payment Type
      • 10.3.3.2.2. By Enterprise Size
      • 10.3.3.2.3. By Payment Method
      • 10.3.3.2.4. By Industry Vertical

11. Market Dynamics

• 11.1. Drivers
• 11.2. Challenges

12. Market Trends & Developments

• 12.1. Merger & Acquisition (If Any)
• 12.2. Product Launches (If Any)
• 12.3. Recent Developments

13. Global B2B Payments Market: SWOT Analysis

14. Porter's Five Forces Analysis

• 14.1. Competition in the Industry
• 14.2. Potential of New Entrants
• 14.3. Power of Suppliers
• 14.4. Power of Customers
• 14.5. Threat of Substitute Products

15. Competitive Landscape

• 15.1. Payoneer Inc.
  • 15.1.1. Business Overview
  • 15.1.2. Products & Services
  • 15.1.3. Recent Developments
  • 15.1.4. Key Personnel
  • 15.1.5. SWOT Analysis
• 15.2. TransferWise Ltd
• 15.3. JPMorgan & Chase
• 15.4. Square, Inc.
• 15.5. Stripe
• 15.6. Mastercard
• 15.7. American Express
• 15.8. Paystand Inc.
• 15.9. Visa Inc.
• 15.10. PayPal Holdings, Inc.

16. Strategic Recommendations

17. About Us & Disclaimer