マーチャントサービス市場：サービスプロバイダー別、用途別、地域別

世界のマーチャントサービス市場は、2025年には667億1,000万米ドルと推定され、2032年までには2,014億1,000万米ドルに達すると予測され、2025年から2032年までの年間平均成長率（CAGR）は17.1%で成長する見込みです。

図.マーチャントサービス市場シェア（%）、地域別（2025年）

世界のマーチャントサービス市場は、デジタル決済ソリューションの導入拡大、eコマースの台頭、キャッシュレス取引に対する消費者の選好の高まりなどを背景に、近年急速に拡大しています。マーチャントサービスプロバイダーは、クレジットカードやデビットカード取引、モバイル決済、eコマース決済ゲートウェイなどの決済処理ソリューションを企業に提供し、シームレスな金融取引を可能にしています。近距離無線通信（NFC）技術、モバイル・ウォレット、POSシステムの普及が、市場の成長をさらに後押ししています。しかし、高額な処理手数料、データセキュリティへの懸念、規制状況の進化といった課題が、市場の情勢を形成し続けています。

市場力学：

世界のマーチャントサービス市場は、主にデジタル取引へのシフトと、様々な業界へのフィンテック（Fintech）ソリューションの浸透が進んでいることが要因となっています。安全で効率的かつ拡張性の高い決済処理ソリューションへの需要がこの分野の拡大に拍車をかけており、あらゆる規模の企業が高度な加盟店サービスを業務に組み込んでいます。非接触型決済、モバイルウォレット、クロスボーダー取引の台頭も市場の成長を加速させています。しかし、取引コスト、サイバーセキュリティの脅威、進化する決済規制への対応は、企業やサービスプロバイダにとって大きな課題となっています。

規制の改善や、AIを活用した不正検知、ブロックチェーンを活用した決済、生体認証などの技術的進歩により、市場の効率性と安全性が高まると予想されます。さらに、組み込み金融、分散型決済ソリューション、オープンバンキング構想の出現は、加盟店サービス業界の既存プレーヤーと新規参入者の双方に有利な成長機会をもたらします。

本調査の主な特徴

本レポートでは、世界の加盟店サービス市場を詳細に分析し、2024年を基準年とした予測期間（2025年～2032年）の市場規模および複合年間成長率（CAGR%）を掲載しています。

また、さまざまなセグメントにわたる潜在的な収益機会を明らかにし、この市場の魅力的な投資提案マトリクスについて解説しています。

また、市場促進要因、抑制要因、機会、新製品の発売や承認、市場動向、地域別の展望、主要企業が採用する競争戦略などに関する重要な考察も提供しています。

世界のマーチャントサービス市場における主要企業プロファイルを、企業ハイライト、製品ポートフォリオ、主要ハイライト、業績、戦略などのパラメータに基づいて掲載しています。

主な企業は、PayPal、Chase Payment Solutions、Stripe、Dharma Merchant Services、Fiserv、Flagship Merchant Services、Payment Cloud、Square、Helcim、Payment Depot、Stax、Instabill、Barclays、Paymentsense、SumUpなどです。

このレポートからの洞察により、マーケティング担当者や企業の経営陣は、将来の製品の発売、タイプのアップグレード、市場の拡大、マーケティング戦術に関する情報に基づいた意思決定を行うことができます。

この調査レポートは、投資家、サプライヤー、製品メーカー、流通業者、新規参入者、財務アナリストなど、この業界の様々な利害関係者を対象としています。

目次

第1章 調査目的と前提条件

• 調査目的
• 前提条件
• 略語

第2章 市場の展望

• レポートの説明
  • 市場の定義と範囲
• エグゼクティブサマリー

第3章 市場力学、規制、動向分析

• 市場力学
• 影響分析
• 主なハイライト
• 規制シナリオ
• 製品の発売/承認
• PEST分析
• PORTERの分析
• 市場機会
• 規制シナリオ
• 主な発展
• 業界動向

第4章 世界のマーチャントサービス市場、サービスプロバイダー別、2020年～2032年

• 決済サービスプロバイダー
• 銀行金融機関
• 決済ゲートウェイプロバイダー
• 非銀行金融機関
• 加盟店アカウントプロバイダー
• その他

第5章 世界のマーチャントサービス市場、用途別、2020年～2032年

• 決済ゲートウェイ
• モバイル決済システム
• オンラインショッピングカート
• クレジットカード端末
• ポートフォリオ管理
• 貿易金融
• その他

第6章 世界のマーチャントサービス市場、地域別、2020年～2032年

• 北米
• ラテンアメリカ
• 欧州
• アジア太平洋
• 中東
• アフリカ

第7章 競合情勢

• PayPal
• Chase Payment Solutions
• Stripe
• Dharma Merchant Services
• Fiserv
• Flagship Merchant Services
• Payment Cloud
• Square
• Helcim
• Payment Depot
• Stax
• Instabill
• Barclays
• Paymentsense
• SumUp

第8章 アナリストの提言

• 運命の輪
• アナリストの見解
• Coherent Opportunity Map

第9章 参考文献と調査手法

• 参考文献
• 調査手法
• 出版社について

Global Merchant Service Market is estimated to be valued at US$ 66.71 Bn in 2025 and is expected to reach US$ 201.41 Bn by 2032, growing at a compound annual growth rate (CAGR) of 17.1% from 2025 to 2032.

Figure. Merchant Service Market Share (%), By Region 2025

The global merchant service market has experienced rapid expansion in recent years, driven by the increasing adoption of digital payment solutions, the rise of e-commerce, and growing consumer preference for cashless transactions. Merchant service providers offer businesses payment processing solutions, including credit and debit card transactions, mobile payments, and e-commerce payment gateways, enabling seamless financial transactions. The widespread use of near-field communication (NFC) technology, mobile wallets, and point-of-sale (POS) systems has further supported market growth. However, challenges such as high processing fees, data security concerns, and evolving regulatory frameworks continue to shape the market landscape.

Market Dynamics:

The global merchant service market is primarily driven by the shift towards digital transactions and the increasing penetration of fintech solutions across various industries. The demand for secure, efficient, and scalable payment processing solutions is fueling the expansion of the sector, with businesses of all sizes integrating advanced merchant services into their operations. The rise of contactless payments, mobile wallets, and cross-border transactions has also accelerated market growth. However, transaction costs, cybersecurity threats, and compliance with evolving payment regulations pose significant challenges for businesses and service providers.

Regulatory improvements and technological advancements, such as AI-driven fraud detection, Blockchain-based payments, and biometric authentication, are expected to enhance market efficiency and security. Additionally, the emergence of embedded finance, decentralized payment solutions, and open banking initiatives presents lucrative growth opportunities for both established players and new entrants in the merchant service industry.

Key Features of the Study:

This report provides in-depth analysis of the global merchant service market, and provides market size (US$ Billion) and compound annual growth rate (CAGR%) for the forecast period (2025-2032), considering 2024 as the base year

It elucidates potential revenue opportunities across different segments and explains attractive investment proposition matrices for this market

This study also provides key insights about market drivers, restraints, opportunities, new product launches or approvals, market trends, regional outlook, and competitive strategies adopted by key players

It profiles key players in the global merchant service market based on the following parameters - company highlights, products portfolio, key highlights, financial performance, and strategies

Key companies covered as a part of this study include PayPal, Chase Payment Solutions, Stripe, Dharma Merchant Services, Fiserv, Flagship Merchant Services, Payment Cloud, Square, Helcim, Payment Depot, Stax, Instabill, Barclays, Paymentsense, and SumUp

Insights from this report would allow marketers and the management authorities of the companies to make informed decisions regarding their future product launches, type up-gradation, market expansion, and marketing tactics

The global merchant service market report caters to various stakeholders in this industry including investors, suppliers, product manufacturers, distributors, new entrants, and financial analysts

Market Segmentation

• Service Provider Insights (Revenue, USD Bn, 2020 - 2032)
  • Payment Service Providers
  • Banking Financial Institutions
  • Payment Gateway Providers
  • Non-Banking Financial Institutions
  • Merchant Account Providers
  • Others
• Application Insights (Revenue, USD Bn, 2020 - 2032)
  • Payment Gateway
  • Mobile Payment Systems
  • Online Shopping Carts
  • Credit Card Terminals
  • Portfolio Management
  • Trade Financing
  • Others
• Regional Insights (Revenue, USD Bn, 2020 - 2032)
  • North America
  • U.S.
  • Canada
  • Latin America
  • Brazil
  • Argentina
  • Mexico
  • Rest of Latin America
  • Europe
  • Germany
  • U.K.
  • Spain
  • France
  • Italy
  • Russia
  • Rest of Europe
  • Asia Pacific
  • China
  • India
  • Japan
  • Australia
  • South Korea
  • ASEAN
  • Rest of Asia Pacific
  • Middle East
  • GCC Countries
  • Israel
  • Rest of Middle East
  • Africa
  • South Africa
  • North Africa
  • Central Africa
• Company Profiles
  • PayPal
  • Chase Payment Solutions
  • Stripe
  • Dharma Merchant Services
  • Fiserv
  • Flagship Merchant Services
  • Payment Cloud
  • Square
  • Helcim
  • Payment Depot
  • Stax
  • Instabill
  • Barclays
  • Paymentsense
  • SumUp

Table of Contents

1. Research Objectives and Assumptions

• Research Objectives
• Assumptions
• Abbreviations

2. Market Purview

• Report Description
  • Market Definition and Scope
• Executive Summary
  • Global Merchant Service Market, By Service Provider
  • Global Merchant Service Market, By Application
  • Global Merchant Service Market, By Region

3. Market Dynamics, Regulations, and Trends Analysis

• Market Dynamics
• Impact Analysis
• Key Highlights
• Regulatory Scenario
• Product Launches/Approvals
• PEST Analysis
• PORTER's Analysis
• Market Opportunities
• Regulatory Scenario
• Key Developments
• Industry Trends

4. Global Merchant Service Market, By Service Provider, 2020-2032, (USD Bn)

• Introduction
  • Market Share Analysis, 2025 and 2032 (%)
  • Y-o-Y Growth Analysis, 2021 - 2032
  • Segment Trends
• Payment Service Providers
  • Introduction
  • Market Size and Forecast, and Y-o-Y Growth, 2020-2032, (USD Bn)
• Banking Financial Institutions
  • Introduction
  • Market Size and Forecast, and Y-o-Y Growth, 2020-2032, (USD Bn)
• Payment Gateway Providers
  • Introduction
  • Market Size and Forecast, and Y-o-Y Growth, 2020-2032, (USD Bn)
• Non-Banking Financial Institutions
  • Introduction
  • Market Size and Forecast, and Y-o-Y Growth, 2020-2032, (USD Bn)
• Merchant Account Providers
  • Introduction
  • Market Size and Forecast, and Y-o-Y Growth, 2020-2032, (USD Bn)
• Others
  • Introduction
  • Market Size and Forecast, and Y-o-Y Growth, 2020-2032, (USD Bn)

5. Global Merchant Service Market, By Application, 2020-2032, (USD Bn)

• Introduction
  • Market Share Analysis, 2025 and 2032 (%)
  • Y-o-Y Growth Analysis, 2021 - 2032
  • Segment Trends
• Payment Gateway
  • Introduction
  • Market Size and Forecast, and Y-o-Y Growth, 2020-2032, (USD Bn)
• Mobile Payment Systems
  • Introduction
  • Market Size and Forecast, and Y-o-Y Growth, 2020-2032, (USD Bn)
• Online Shopping Carts
  • Introduction
  • Market Size and Forecast, and Y-o-Y Growth, 2020-2032, (USD Bn)
• Credit Card Terminals
  • Introduction
  • Market Size and Forecast, and Y-o-Y Growth, 2020-2032, (USD Bn)
• Portfolio Management
  • Introduction
  • Market Size and Forecast, and Y-o-Y Growth, 2020-2032, (USD Bn)
• Trade Financing
  • Introduction
  • Market Size and Forecast, and Y-o-Y Growth, 2020-2032, (USD Bn)
• Others
  • Introduction
  • Market Size and Forecast, and Y-o-Y Growth, 2020-2032, (USD Bn)

6. Global Merchant Service Market, By Region, 2020 - 2032, Value (USD Bn)

• Introduction
  • Market Share (%) Analysis, 2025, 2028 & 2032, Value (USD Bn)
  • Market Y-o-Y Growth Analysis (%), 2021 - 2032, Value (USD Bn)
  • Regional Trends
• North America
  • Introduction
  • Market Size and Forecast, By Service Provider, 2020 - 2032, Value (USD Bn)
  • Market Size and Forecast, By Application, 2020 - 2032, Value (USD Bn)
  • Market Size and Forecast, By Country, 2020 - 2032, Value (USD Bn)
    • U.S.
    • Canada
• Latin America
  • Introduction
  • Market Size and Forecast, By Service Provider, 2020 - 2032, Value (USD Bn)
  • Market Size and Forecast, By Application, 2020 - 2032, Value (USD Bn)
  • Market Size and Forecast, By Country, 2020 - 2032, Value (USD Bn)
    • Brazil
    • Argentina
    • Mexico
    • Rest of Latin America
• Europe
  • Introduction
  • Market Size and Forecast, By Service Provider, 2020 - 2032, Value (USD Bn)
  • Market Size and Forecast, By Application, 2020 - 2032, Value (USD Bn)
  • Market Size and Forecast, By Country, 2020 - 2032, Value (USD Bn)
    • Germany
    • U.K.
    • Spain
    • France
    • Italy
    • Russia
    • Rest of Europe
• Asia Pacific
  • Introduction
  • Market Size and Forecast, By Service Provider, 2020 - 2032, Value (USD Bn)
  • Market Size and Forecast, By Application, 2020 - 2032, Value (USD Bn)
  • Market Size and Forecast, By Country, 2020 - 2032, Value (USD Bn)
    • China
    • India
    • Japan
    • Australia
    • South Korea
    • ASEAN
    • Rest of Asia Pacific
• Middle East
  • Introduction
  • Market Size and Forecast, By Service Provider, 2020 - 2032, Value (USD Bn)
  • Market Size and Forecast, By Application, 2020 - 2032, Value (USD Bn)
  • Market Size and Forecast, By Country, 2020 - 2032, Value (USD Bn)
    • GCC Countries
    • Israel
    • Rest of Middle East
• Africa
  • Introduction
  • Market Size and Forecast, By Service Provider, 2020 - 2032, Value (USD Bn)
  • Market Size and Forecast, By Application, 2020 - 2032, Value (USD Bn)
  • Market Size and Forecast, By Country/Region, 2020 - 2032, Value (USD Bn)
    • South Africa
    • North Africa
    • Central Africa

7. Competitive Landscape

• PayPal
  • Company Highlights
  • Product Portfolio
  • Key Developments
  • Financial Performance
  • Strategies
• Chase Payment Solutions
  • Company Highlights
  • Product Portfolio
  • Key Developments
  • Financial Performance
  • Strategies
• Stripe
  • Company Highlights
  • Product Portfolio
  • Key Developments
  • Financial Performance
  • Strategies
• Dharma Merchant Services
  • Company Highlights
  • Product Portfolio
  • Key Developments
  • Financial Performance
  • Strategies
• Fiserv
  • Company Highlights
  • Product Portfolio
  • Key Developments
  • Financial Performance
  • Strategies
• Flagship Merchant Services
  • Company Highlights
  • Product Portfolio
  • Key Developments
  • Financial Performance
  • Strategies
• Payment Cloud
  • Company Highlights
  • Product Portfolio
  • Key Developments
  • Financial Performance
  • Strategies
• Square
  • Company Highlights
  • Product Portfolio
  • Key Developments
  • Financial Performance
  • Strategies
• Helcim
  • Company Highlights
  • Product Portfolio
  • Key Developments
  • Financial Performance
  • Strategies
• Payment Depot
  • Company Highlights
  • Product Portfolio
  • Key Developments
  • Financial Performance
  • Strategies
• Stax
  • Company Highlights
  • Product Portfolio
  • Key Developments
  • Financial Performance
  • Strategies
• Instabill
  • Company Highlights
  • Product Portfolio
  • Key Developments
  • Financial Performance
  • Strategies
• Barclays
  • Company Highlights
  • Product Portfolio
  • Key Developments
  • Financial Performance
  • Strategies
• Paymentsense
  • Company Highlights
  • Product Portfolio
  • Key Developments
  • Financial Performance
  • Strategies
• SumUp
  • Company Highlights
  • Product Portfolio
  • Key Developments
  • Financial Performance
  • Strategies

8. Analyst Recommendations

• Wheel of Fortune
• Analyst View
• Coherent Opportunity Map

9. References and Research Methodology

• References
• Research Methodology
• About us