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クロスボーダー決済市場規模、シェア、動向分析レポート：取引タイプ別、チャネル別、企業規模別、最終用途別、地域別、セグメント別予測、2025年～2030年

Cross Border Payments Market Size, Share & Trends Analysis Report By Transaction Type (B2B, C2B, B2C, C2C), By Channel (Bank Transfer, Money Transfer Operator, Card Payment), By Enterprise Size, By End Use, By Region, And Segment Forecasts, 2025 - 2030

出版日
ページ情報
英文 130 Pages
納期
2～10営業日
カスタマイズ可能
価格
価格表記: USDを日本円(税抜)に換算
本日の銀行送金レート: 1USD=146.06円
クロスボーダー決済市場規模、シェア、動向分析レポート：取引タイプ別、チャネル別、企業規模別、最終用途別、地域別、セグメント別予測、2025年～2030年
出版日: 2025年05月14日
発行: Grand View Research
ページ情報: 英文 130 Pages
納期: 2～10営業日
GIIご利用のメリット
  • 全表示
  • 概要
  • 図表
  • 目次
概要

クロスボーダー決済市場動向：

世界のクロスボーダー決済市場規模は2024年に2,125億5,000万米ドルとなり、2025年から2030年にかけてCAGR 7.1%で成長すると予測されています。

クロスボーダー決済は依然として高コストかつ低遅延であり、改革の原動力となっています。

世界銀行の報告によると、2023年に200米ドルを送金する際の平均コストは約6.2～6.3%で、持続可能な開発目標の3%をはるかに上回っています。地域内でもコストは大きく異なります。例えば、世界銀行は2023年の南アジアへの送金手数料は平均6～7％である一方、アフリカへの送金手数料はしばしば7％を超えると指摘しています。このような非効率性は、複数のコルレス・ステップと手作業によるチェックに起因しており、G20/FSBのイニシアティブは、「より速く、より安く、より透明で、より包括的な」クロスボーダー決済の目標を設定しています。中央銀行や金融機関は、コリドーレベルの手数料（例えば、トルコとブルガリアの手数料は50%超）を分析し、G20ロードマップの目標に対する進捗状況を追跡しています。つまり、摩擦やコストの削減が大きな動向となっています。IMFやFSBなどの国際機関は、送金や貿易決済手数料の引き下げを優先事項として強調しています。

コストとスピードの目標を達成するため、各業界はシステムのアップグレードを進めています。決済のメッセージング標準であるISO 20022の採用は加速しています。例えば、英国のCHAPSシステムは2023年にISO 20022への移行を完了し、イングランド銀行は2025年までにCHAPSをBIS/CPMIのISO 20022「データ要件」に整合させる計画を確認しました。世界的にみても、ISO 20022の一貫したメッセージ・フォーマットは処理とストレート・スルー・プロセッシングを合理化し、遅延とエラーを削減します。もうひとつの近代化は、リアルタイムの決済接続です。現在、70を超える国の高速決済システム（FPS）が世界中で稼動しており、それらの相互接続は非常に有望視されています。FPSが国境を越えてつながることで、各国間でほぼ瞬時の送金が可能になるとしています。まとめると、レールとメッセージング（ISO20022、RTGS/FPSの相互連携）のアップグレードは、中央銀行のイニシアティブとFSB/CPMIのガイダンスに後押しされ、クロスボーダー決済業界の成長を牽引する重要な動向となっています。

中央銀行と民間セクターはデジタル通貨を積極的に模索しています。米連邦準備制度理事会（FRB）は、90％以上の中央銀行が中央銀行デジタル通貨（CBDC）の調査を行っており、多くの法域でパイロットプロジェクトが進行中であると指摘しています。CBDCは理論上、国境を越えたフローに新たな安全な決済手段を提供します。CBDCと並んで、ステーブルコインやトークン化された決済への関心も高まっているが、公的機関は注意を促しています。ステーブルコインはクロスボーダー決済の「将来のシナリオ」と考えられているが、規制基準を満たしているものはまだないです。その他の活動では（中国や一部の欧州民主共和国）、ステーブルコインやデジタル人民元の国境を越えた利用を積極的に試験的に行っている国もあれば、（EUなど）金融の安定を守るためにステーブルコインを厳しく規制している国もあります。実際には、政策立案者が国際的な規制の整合化に取り組む中でも、ブロックチェーンを利用した送金ネットワークから国境を越えたモバイルマネーに至るまで、デジタル革新が大きな焦点となっています。

国境を越えた摩擦への対処は世界の優先課題となっています。2024年後半、FSBは国・地域間の規制やデータの枠組みを調整するため、「クロスボーダー決済データに関するフォーラム」を立ち上げました。同フォーラムは、KYC/AML要件の不一致やデータプライバシー規則など、決済を遅らせる問題に取り組む予定です。例えば、イングランド銀行は、コンプライアンス・ルールの不一致が受益銀行での支払いを滞らせる原因となっていると指摘しています。FSBフォーラム（2025年3月）とCPMIガイダンスは、こうした基準の調和を目指しています。要するに、世界の動向として、G20/FSBのロードマップ、OECD、FATFの作業、ガイダンスの共有が進み、クロスボーダー・チェーンがよりスムーズで相互運用可能なものとなっています。

クロスボーダー決済は大手銀行や企業だけでなく、消費者の利用も爆発的に増加しています。途上国への送金だけでも2023年には約6,690億米ドルに上り、オンラインプラットフォームやモバイルウォレットを通じた送金も増加しています。世界銀行の報告によると、送金額は今や多くの国の海外直接投資と海外援助の合計額を上回っています。このことは、金融包摂が推進力となっていること、移民やディアスポラが効率的な送金に依存していることを裏付けています。同時に、国境を越えたeコマースや旅行が、世界の消費者対企業（C2B）決済を促進しています。イングランド銀行は、クロスボーダー決済はホールセールとリテール（個人対個人、個人対企業を含む）にまたがり、商品やサービスが世界に流通する上で不可欠であると指摘しています。全体として、ギグ・エコノミーの送金から中小企業の貿易決済まで、クロスボーダー取引の量と多様性の拡大は、サービス革新を促し、市場成長を後押しする重要な傾向です。

目次

第1章 調査手法と範囲

第2章 エグゼクティブサマリー

第3章 クロスボーダー決済市場の変数、動向、範囲

  • 市場系統の見通し
  • 市場力学
    • 市場促進要因分析
    • 市場抑制要因分析
    • 業界の課題
  • クロスボーダー決済市場分析ツール
    • 業界分析- ポーターのファイブフォース分析
    • PESTEL分析

第4章 クロスボーダー決済市場：取引タイプ別　推定・動向分析

  • セグメントダッシュボード
  • クロスボーダー決済市場：取引タイプの変動分析、2024年および2030年
  • 企業間取引（B2B）
  • 顧客対企業（C2B）
  • ビジネス・ツー・カスタマー（B2C）
  • 顧客対顧客（C2C）

第5章 クロスボーダー決済市場：チャネル別　推定・動向分析

  • セグメントダッシュボード
  • クロスボーダー決済市場：チャネル変動分析、2024年および2030年
  • 銀行振込
  • 送金業者
  • カード決済
  • その他

第6章 クロスボーダー決済市場：企業規模別　推定・動向分析

  • セグメントダッシュボード
  • クロスボーダー決済市場：企業規模の変動分析、2024年および2030年
  • 大企業
  • 中小企業

第7章 クロスボーダー決済市場：最終用途別　推定・動向分析

  • セグメントダッシュボード
  • クロスボーダー決済市場：エンドユーザー変動分析、2024年および2030年
  • 個人
  • 企業

第8章 クロスボーダー決済市場：地域別　推定・動向分析

  • クロスボーダー決済市場シェア（地域別）、2024年および2030年
  • 北米
    • 米国
    • カナダ
    • メキシコ
  • 欧州
    • 英国
    • ドイツ
    • フランス
  • アジア太平洋
    • 中国
    • 日本
    • インド
    • 韓国
    • オーストラリア
  • ラテンアメリカ
    • ブラジル
  • 中東およびアフリカ
    • アラブ首長国連邦
    • サウジアラビア
    • 南アフリカ

第9章 競合情勢

  • 企業分類
  • 企業の市場ポジショニング
  • 企業ヒートマップ分析
  • 企業プロファイル/上場企業
    • PayPal
    • Western Union Holdings
    • Wise Payments Limited
    • MoneyGram
    • Visa
    • Mastercard
    • Stripe, Inc.
    • Payoneer Inc.
    • Worldpay LLC
    • Airwallex
    • Rapyd Financial Network Ltd.
図表

List of Tables

  • Table 1 Global Cross Border Payments Market size estimates & forecasts 2018 - 2030 (USD Million)
  • Table 2 Global Cross Border Payments Market, by region 2018 - 2030 (USD Million)
  • Table 3 Global Cross-Border Payments Market, by Transaction Type 2018 - 2030 (USD Million)
  • Table 4 Global Cross Border Payments Market, by Channel 2018 - 2030 (USD Million)
  • Table 5 Global Cross Border Payments Market, by Enterprise Size 2018 - 2030 (USD Million)
  • Table 6 Global Cross Border Payments Market, by End Use 2018 - 2030 (USD Million)
  • Table 7 Business to Business (B2B) market, by region 2018 - 2030 (USD Million)
  • Table 8 Customer to Business (C2B) market, by region 2018 - 2030 (USD Million)
  • Table 9 Business to Customer (B2C) market, by region 2018 - 2030 (USD Million)
  • Table 10 Customer to Customer (C2C) market, by region 2018 - 2030 (USD Million)
  • Table 11 Bank Transfer market, by region 2018 - 2030 (USD Million)
  • Table 12 Money Transfer Operator market, by region 2018 - 2030 (USD Million)
  • Table 13 Card Payment market, by region 2018 - 2030 (USD Million)
  • Table 14 Others market, by region 2018 - 2030 (USD Million)
  • Table 15 Large Enterprises market, by region 2018 - 2030 (USD Million)
  • Table 16 Small & Medium Enterprises (SMEs) market, by region 2018 - 2030 (USD Million)
  • Table 17 Individuals market, by region 2018 - 2030 (USD Million)
  • Table 18 Businesses market, by region 2018 - 2030 (USD Million)
  • Table 19 North America Cross Border Payments Market, by Transaction Type 2018 - 2030 (USD Million)
  • Table 20 North America Cross Border Payments Market, by Channel 2018 - 2030 (USD Million)
  • Table 21 North America Cross Border Payments Market, by Enterprise Size 2018 - 2030 (USD Million)
  • Table 22 North America Cross Border Payments Market, by End Use 2018 - 2030 (USD Million)
  • Table 23 U.S. Cross Border Payments Market, by Transaction Type 2018 - 2030 (USD Million)
  • Table 24 U.S. Cross Border Payments Market, by Channel 2018 - 2030 (USD Million)
  • Table 25 U.S. Cross Border Payments Market, by Enterprise Size 2018 - 2030 (USD Million)
  • Table 26 U.S. Cross Border Payments Market, by End Use 2018 - 2030 (USD Million)
  • Table 27 Canada Cross Border Payments Market, by Transaction Type 2018 - 2030 (USD Million)
  • Table 28 Canada Cross Border Payments Market, by Channel 2018 - 2030 (USD Million)
  • Table 29 Canada Cross Border Payments Market, by Enterprise Size 2018 - 2030 (USD Million)
  • Table 30 Canada Cross Border Payments Market, by End Use 2018 - 2030 (USD Million)
  • Table 31 Mexico Cross Border Payments Market, by Transaction Type 2018 - 2030 (USD Million)
  • Table 32 Mexico Cross Border Payments Market, by Channel 2018 - 2030 (USD Million)
  • Table 33 Mexico Cross Border Payments Market, by Enterprise Size 2018 - 2030 (USD Million)
  • Table 34 Mexico Cross Border Payments Market, by End Use 2018 - 2030 (USD Million)
  • Table 35 Europe Cross Border Payments Market, by Transaction Type 2018 - 2030 (USD Million)
  • Table 36 Europe Cross Border Payments Market, by Channel 2018 - 2030 (USD Million)
  • Table 37 Europe Cross Border Payments Market, by Enterprise Size 2018 - 2030 (USD Million)
  • Table 38 Europe Cross Border Payments Market, by End Use 2018 - 2030 (USD Million)
  • Table 39 UK Cross Border Payments Market, by Transaction Type 2018 - 2030 (USD Million)
  • Table 40 UK Cross Border Payments Market, by Channel 2018 - 2030 (USD Million)
  • Table 41 UK Cross Border Payments Market, by Enterprise Size 2018 - 2030 (USD Million)
  • Table 42 UK Cross Border Payments Market, by End Use 2018 - 2030 (USD Million)
  • Table 43 Germany Cross Border Payments Market, by Transaction Type 2018 - 2030 (USD Million)
  • Table 44 Germany Cross Border Payments Market, by Channel 2018 - 2030 (USD Million)
  • Table 45 Germany Cross Border Payments Market, by Enterprise Size 2018 - 2030 (USD Million)
  • Table 46 Germany Cross Border Payments Market, by End Use 2018 - 2030 (USD Million)
  • Table 47 France Cross Border Payments Market, by Transaction Type 2018 - 2030 (USD Million)
  • Table 48 France Cross Border Payments Market, by Channel 2018 - 2030 (USD Million)
  • Table 49 France Cross Border Payments Market, by Enterprise Size 2018 - 2030 (USD Million)
  • Table 50 France Cross Border Payments Market, by End Use 2018 - 2030 (USD Million)
  • Table 51 Asia Pacific Cross Border Payments Market, by Transaction Type 2018 - 2030 (USD Million)
  • Table 52 Asia Pacific Cross Border Payments Market, by Channel 2018 - 2030 (USD Million)
  • Table 53 Asia Pacific Cross Border Payments Market, by Enterprise Size 2018 - 2030 (USD Million)
  • Table 54 Asia Pacific Cross Border Payments Market, by End Use 2018 - 2030 (USD Million)
  • Table 55 China Cross Border Payments Market, by Transaction Type 2018 - 2030 (USD Million)
  • Table 56 China Cross Border Payments Market, by Channel 2018 - 2030 (USD Million)
  • Table 57 China Cross Border Payments Market, by Enterprise Size 2018 - 2030 (USD Million)
  • Table 58 China Cross Border Payments Market, by End Use 2018 - 2030 (USD Million)
  • Table 59 India Cross Border Payments Market, by Transaction Type 2018 - 2030 (USD Million)
  • Table 60 India Cross Border Payments Market, by Channel 2018 - 2030 (USD Million)
  • Table 61 India Cross Border Payments Market, by Enterprise Size 2018 - 2030 (USD Million)
  • Table 62 India Cross Border Payments Market, by End Use 2018 - 2030 (USD Million)
  • Table 63 Japan Cross Border Payments Market, by Transaction Type 2018 - 2030 (USD Million)
  • Table 64 Japan Cross Border Payments Market, by Channel 2018 - 2030 (USD Million)
  • Table 65 Japan Cross Border Payments Market, by Enterprise Size 2018 - 2030 (USD Million)
  • Table 66 Japan Cross Border Payments Market, by End Use 2018 - 2030 (USD Million)
  • Table 67 Australia Cross Border Payments Market, by Transaction Type 2018 - 2030 (USD Million)
  • Table 68 Australia Cross Border Payments Market, by Channel 2018 - 2030 (USD Million)
  • Table 69 Australia Cross Border Payments Market, by Enterprise Size 2018 - 2030 (USD Million)
  • Table 70 Australia Cross Border Payments Market, by End Use 2018 - 2030 (USD Million)
  • Table 71 South Korea Cross Border Payments Market, by Transaction Type 2018 - 2030 (USD Million)
  • Table 72 South Korea Cross Border Payments Market, by Channel 2018 - 2030 (USD Million)
  • Table 73 South Korea Cross Border Payments Market, by Enterprise Size 2018 - 2030 (USD Million)
  • Table 74 South Korea Cross Border Payments Market, by End Use 2018 - 2030 (USD Million)
  • Table 75 Latin America Cross Border Payments Market, by Transaction Type 2018 - 2030 (USD Million)
  • Table 76 Latin America Cross Border Payments Market, by Channel 2018 - 2030 (USD Million)
  • Table 77 Latin America Cross Border Payments Market, by Enterprise Size 2018 - 2030 (USD Million)
  • Table 78 Latin America Cross Border Payments Market, by End Use 2018 - 2030 (USD Million)
  • Table 79 Brazil Cross Border Payments Market, by Transaction Type 2018 - 2030 (USD Million)
  • Table 80 Brazil Cross Border Payments Market, by Channel 2018 - 2030 (USD Million)
  • Table 81 Brazil Cross Border Payments Market, by Enterprise Size 2018 - 2030 (USD Million)
  • Table 82 Brazil Cross Border Payments Market, by End Use 2018 - 2030 (USD Million)
  • Table 83 MEA Cross Border Payments Market, by Transaction Type 2018 - 2030 (USD Million)
  • Table 84 MEA Cross Border Payments Market, by Channel 2018 - 2030 (USD Million)
  • Table 85 MEA Cross Border Payments Market, by Enterprise Size 2018 - 2030 (USD Million)
  • Table 86 MEA Cross Border Payments Market, by End Use 2018 - 2030 (USD Million)
  • Table 87 UAE Cross Border Payments Market, by Transaction Type 2018 - 2030 (USD Million)
  • Table 88 UAE Cross Border Payments Market, by Channel 2018 - 2030 (USD Million)
  • Table 89 UAE Cross Border Payments Market, by Enterprise Size 2018 - 2030 (USD Million)
  • Table 90 UAE Cross Border Payments Market, by End Use 2018 - 2030 (USD Million)
  • Table 91 KSA Cross Border Payments Market, by Transaction Type 2018 - 2030 (USD Million)
  • Table 92 KSA Cross Border Payments Market, by Channel 2018 - 2030 (USD Million)
  • Table 93 KSA Cross Border Payments Market, by Enterprise Size 2018 - 2030 (USD Million)
  • Table 94 KSA Cross Border Payments Market, by End Use 2018 - 2030 (USD Million)
  • Table 95 South Africa Cross Border Payments Market, by Transaction Type 2018 - 2030 (USD Million)
  • Table 96 South Africa Cross Border Payments Market, by Channel 2018 - 2030 (USD Million)
  • Table 97 South Africa Cross Border Payments Market, by Enterprise Size 2018 - 2030 (USD Million)
  • Table 98 South Africa Cross Border Payments Market, by End Use 2018 - 2030 (USD Million)

List of Figures

  • Fig. 1 Cross Border Payments Market segmentation
  • Fig. 2 Market research deployment mode
  • Fig. 3 Information procurement
  • Fig. 4 Primary research pattern
  • Fig. 5 Market research approaches
  • Fig. 6 Value chain-based sizing & forecasting
  • Fig. 7 Parent market analysis
  • Fig. 8 Market formulation & validation
  • Fig. 9 Cross Border Payments Market snapshot
  • Fig. 10 Cross Border Payments Market segment snapshot
  • Fig. 11 Cross Border Payments Market competitive landscape snapshot
  • Fig. 12 Market research deployment mode
  • Fig. 13 Market driver relevance analysis (Current & future impact)
  • Fig. 14 Market restraint relevance analysis (Current & future impact)
  • Fig. 15 Cross Border Payments Market: Transaction Type outlook key takeaways (USD Million)
  • Fig. 16 Cross Border Payments Market: Transaction Type movement analysis 2024 & 2030 (USD Million)
  • Fig. 17 Business to Business (B2B) market revenue estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 18 Customer to Business (C2B) market revenue estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 19 Business to Customer (B2C) market revenue estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 20 Customer to Customer (C2C) market revenue estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 21 Cross Border Payments Market: Channel outlook key takeaways (USD Million)
  • Fig. 22 Cross Border Payments Market: Channel movement analysis 2024 & 2030 (USD Million)
  • Fig. 23 Bank Transfer market revenue estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 24 Money Transfer Operator market revenue estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 25 Card Payment market revenue estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 26 Others market revenue estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 27 Cross Border Payments Market: Enterprise Size outlook key takeaways (USD Million)
  • Fig. 28 Cross Border Payments Market: Enterprise Size movement analysis 2024 & 2030 (USD Million)
  • Fig. 29 Large Enterprises market revenue estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 30 Small & Medium Enterprises (SMEs) market revenue estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 31 Cross Border Payments Market: End Use outlook key takeaways (USD Million)
  • Fig. 32 Cross Border Payments Market: End Use movement analysis 2024 & 2030 (USD Million)
  • Fig. 33 Individuals market revenue estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 34 Businesses market revenue estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 35 Regional marketplace: Key takeaways
  • Fig. 36 Cross Border Payments Market: Regional outlook, 2024 & 2030 (USD Million)
  • Fig. 37 North America Cross Border Payments Market estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 38 U.S. Cross Border Payments Market estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 39 Canada Cross Border Payments Market estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 40 Mexico Cross Border Payments Market estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 41 Europe Cross Border Payments Market estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 42 UK Cross Border Payments Market estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 43 Germany Cross Border Payments Market estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 44 France Cross Border Payments Market estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 45 Asia Pacific Cross Border Payments Market estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 46 Japan Cross Border Payments Market estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 47 China Cross Border Payments Market estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 48 India Cross Border Payments Market estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 49 Australia Cross Border Payments Market estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 50 South Korea Cross Border Payments Market estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 51 Latin America Cross Border Payments Market estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 52 Brazil Cross Border Payments Market estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 53 MEA Cross Border Payments Market estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 54 KSA Cross Border Payments Market estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 55 UAE Cross Border Payments Market estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 56 South Africa Cross Border Payments Market estimates and forecasts, 2018 - 2030 (USD Million)
  • Fig. 57 Strategy framework
  • Fig. 58 Company Categorization
目次
Product Code: GVR-4-68040-573-9

Cross Border Payments Market Trends:

The global cross border payments market size is valued at USD 212.55 billion in 2024 and is projected to grow at a CAGR of 7.1% from 2025 to 2030. Cross-border payments remain high-cost and slow, driving reforms.

The World Bank reports an average cost of about 6.2-6.3% for sending USD 200 in 2023, far above the 3% Sustainable Development Goal. Even within regions, costs vary widely. For example, the World Bank notes remittance fees to South Asia averaged 6-7% in 2023, while fees into Africa often exceed 7%. These inefficiencies are due to multiple correspondent steps and manual checks, which have prompted G20/FSB initiatives setting targets for "faster, cheaper, more transparent, and more inclusive" cross-border payments. Central banks and institutions are analyzing corridor-level fees (e.g., Turkey-Bulgaria at >50%) and tracking progress on G20 Roadmap goals. In short, reducing friction and costs is a major trend. International bodies like the IMF and FSB stress lowering remittance and trade payment fees as a priority.

To meet cost/speed goals, industries are upgrading systems. The adoption of the ISO 20022 messaging standard for payments is accelerating. For instance, in 2023, the UK's CHAPS system completed ISO 20022 migration, and the Bank of England confirmed plans to harmonize CHAPS with the BIS/CPMI ISO 20022 "data requirements" by 2025. Globally, the consistent ISO 20022 message formats streamline processing and straight-through processing, reducing delays and errors. Another modernization is real-time payment connectivity; more than 70 national fast-payment systems (FPS) now operate worldwide, and interlinking them is seen as highly promising. This states that the cross-border linking of FPS enables near-instant transfers between countries. In sum, upgrading rails and messaging (ISO 20022, RTGS/FPS interlinking) is a key trend driving the growth of the cross border payments industry, backed by central bank initiatives and FSB/CPMI guidance.

Central banks and the private sector are actively exploring digital currencies. The Federal Reserve notes that over 90% of central banks are researching Central Bank Digital Currencies (CBDCs), and pilot projects are underway in many jurisdictions. CBDCs, in theory, provide new secure settlement rails for cross-border flows. Alongside CBDCs, interest in stablecoins and tokenized payments is rising, though official bodies urge caution. The stablecoins are considered a "future scenario" for cross-border payments, but none yet meet regulatory standards. Some jurisdictions (China, some EMDEs) are actively piloting stablecoin or digital yuan cross-border use, while others (e.g. EU) regulate stablecoins tightly to safeguard financial stability. In practice, digital innovation from blockchain-based remittance networks to cross-border mobile money is a major focus, even as policymakers work to align regulations internationally.

Addressing cross-border frictions has become a global priority. In late 2024, the FSB launched a Forum on Cross-Border Payments Data to align regulations and data frameworks across jurisdictions. The Forum will tackle issues like inconsistent KYC/AML requirements and data privacy rules that slow payments. For example, the Bank of England highlights that mismatched compliance rules cause payouts to stall at beneficiary banks. The FSB forum (Mar 2025) and CPMI guidance aim to harmonize these standards. In essence, a trend is greater global coordination, G20/FSB roadmaps, OECD, and FATF work, and shared guidance are being developed so that cross-border chains are smoother and more interoperable.

Cross-border payments aren't just big banks and corporations - consumer use is exploding. Remittance alone was around USD 669 billion to developing countries in 2023, and money sent via online platforms and mobile wallets is growing. The World Bank reports that remittances now exceed the sum of foreign direct investment and foreign aid for many countries. This underlines financial inclusion as a driver, migrants and diaspora rely on efficient remittances. At the same time, cross-border e-commerce and travel drive consumer-to-business (C2B) payments worldwide. The Bank of England notes that cross-border payments span wholesale and retail (including person-to-person and person-to-business) and are integral as goods/services flow globally. Overall, expanding volume and diversity of cross-border transactions from gig economy transfers to SME trade payments is a key trend prompting service innovation and boosting market growth.

Global Cross Border Payments Market Report Segmentation

This report forecasts revenue growth at the global, regional, and country levels and provides an analysis of the latest industry trends in each of the sub-segments from 2018 to 2030. For this study, Grand View Research has segmented the global cross border payments market report based on transaction type, channel, enterprise size, end use, and region:

  • Transaction Type Outlook (Revenue, USD Million, 2018 - 2030)
  • Business to Business (B2B)
  • Customer to Business (C2B)
  • Business to Customer (B2C)
  • Customer to Customer (C2C)
  • Channel Outlook (Revenue, USD Million, 2018 - 2030)
  • Bank Transfer
  • Money Transfer Operator
  • Card Payment
  • Others
  • Enterprise Size Outlook (Revenue, USD Million, 2018 - 2030)
  • Large Enterprises
  • Small & Medium Enterprises (SMEs)
  • End Use Outlook (Revenue, USD Million, 2018 - 2030)
  • Individuals
  • Businesses
  • Regional Outlook (Revenue, USD Million, 2018 - 2030)
  • North America
    • U.S.
    • Canada
    • Mexico
  • Europe
    • Germany
    • UK
    • France
  • Asia Pacific
    • China
    • Japan
    • India
    • South Korea
    • Australia
  • Latin America
    • Brazil
  • Middle East and Africa (MEA)
    • KSA
    • UAE
    • South Africa

Table of Contents

Chapter 1. Methodology and Scope

  • 1.1. Market Segmentation and Scope
  • 1.2. Research Methodology
    • 1.2.1. Information Procurement
  • 1.3. Information or Data Analysis
  • 1.4. Methodology
  • 1.5. Research Scope and Assumptions
  • 1.6. Market Formulation & Validation
  • 1.7. Country Based Segment Share Calculation
  • 1.8. List of Data Sources

Chapter 2. Executive Summary

  • 2.1. Market Outlook
  • 2.2. Segment Outlook
  • 2.3. Competitive Insights

Chapter 3. Cross Border Payments Market Variables, Trends, & Scope

  • 3.1. Market Lineage Outlook
  • 3.2. Market Dynamics
    • 3.2.1. Market Driver Analysis
    • 3.2.2. Market Restraint Analysis
    • 3.2.3. Industry Challenge
  • 3.3. Cross Border Payments Market Analysis Tools
    • 3.3.1. Industry Analysis - Porter's
      • 3.3.1.1. Bargaining power of the suppliers
      • 3.3.1.2. Bargaining power of the buyers
      • 3.3.1.3. Threats of substitution
      • 3.3.1.4. Threats from new entrants
      • 3.3.1.5. Competitive rivalry
    • 3.3.2. PESTEL Analysis
      • 3.3.2.1. Political landscape
      • 3.3.2.2. Economic landscape
      • 3.3.2.3. Social landscape
      • 3.3.2.4. Technological landscape
      • 3.3.2.5. Environmental landscape
      • 3.3.2.6. Legal landscape

Chapter 4. Cross Border Payments Market: Transaction Type Estimates & Trend Analysis

  • 4.1. Segment Dashboard
  • 4.2. Cross Border Payments Market: Transaction Type Movement Analysis, 2024 & 2030 (USD Million)
  • 4.3. Business to Business (B2B)
    • 4.3.1. Business to Business (B2B) Market Revenue Estimates and Forecasts, 2018 - 2030 (USD Million)
  • 4.4. Customer to Business (C2B)
    • 4.4.1. Customer to Business (C2B) Market Revenue Estimates and Forecasts, 2018 - 2030 (USD Million)
  • 4.5. Business to Customer (B2C)
    • 4.5.1. Business to Customer (B2C) Market Revenue Estimates and Forecasts, 2018 - 2030 (USD Million)
  • 4.6. Customer to Customer (C2C)
    • 4.6.1. Customer to Customer (C2C) Market Revenue Estimates and Forecasts, 2018 - 2030 (USD Million)

Chapter 5. Cross Border Payments Market: Channel Estimates & Trend Analysis

  • 5.1. Segment Dashboard
  • 5.2. Cross Border Payments Market: Channel Movement Analysis, 2024 & 2030 (USD Million)
  • 5.3. Bank Transfer
    • 5.3.1. Bank Transfer Market Revenue Estimates and Forecasts, 2018 - 2030 (USD Million)
  • 5.4. Money Transfer Operator
    • 5.4.1. Money Transfer Operator Market Revenue Estimates and Forecasts, 2018 - 2030 (USD Million)
  • 5.5. Card Payment
    • 5.5.1. Card Payment Market Revenue Estimates and Forecasts, 2018 - 2030 (USD Million)
  • 5.6. Others
    • 5.6.1. Others Market Revenue Estimates and Forecasts, 2018 - 2030 (USD Million)

Chapter 6. Cross Border Payments Market: Enterprise Size Estimates & Trend Analysis

  • 6.1. Segment Dashboard
  • 6.2. Cross Border Payments Market: Enterprise Size Movement Analysis, 2024 & 2030 (USD Million)
  • 6.3. Large Enterprises
    • 6.3.1. Large Enterprises Market Revenue Estimates and Forecasts, 2018 - 2030 (USD Million)
  • 6.4. Small & Medium Enterprises (SMEs)
    • 6.4.1. Small & Medium Enterprises (SMEs) Market Revenue Estimates and Forecasts, 2018 - 2030 (USD Million)

Chapter 7. Cross Border Payments Market: End Use Estimates & Trend Analysis

  • 7.1. Segment Dashboard
  • 7.2. Cross Border Payments Market: End Use Movement Analysis, 2024 & 2030 (USD Million)
  • 7.3. Individuals
    • 7.3.1. Individuals Market Revenue Estimates and Forecasts, 2018 - 2030 (USD Million)
  • 7.4. Businesses
    • 7.4.1. Businesses Market Revenue Estimates and Forecasts, 2018 - 2030 (USD Million)

Chapter 8. Cross Border Payments Market: Regional Estimates & Trend Analysis

  • 8.1. Cross Border Payments Market Share, By Region, 2024 & 2030 (USD Million)
  • 8.2. North America
    • 8.2.1. North America Cross Border Payments Market Estimates and Forecasts, 2018 - 2030 (USD Million)
    • 8.2.2. U.S.
      • 8.2.2.1. U.S. Cross Border Payments Market Estimates and Forecasts, 2018 - 2030 (USD Million)
    • 8.2.3. Canada
      • 8.2.3.1. Canada Cross Border Payments Market Estimates and Forecasts, 2018 - 2030 (USD Million)
    • 8.2.4. Mexico
      • 8.2.4.1. Mexico Cross Border Payments Market Estimates and Forecasts, 2018 - 2030 (USD Million)
  • 8.3. Europe
    • 8.3.1. Europe Cross Border Payments Market Estimates and Forecasts, 2018 - 2030 (USD Million)
    • 8.3.2. UK
      • 8.3.2.1. UK Cross Border Payments Market Estimates and Forecasts, 2018 - 2030 (USD Million)
    • 8.3.3. Germany
      • 8.3.3.1. Germany Cross Border Payments Market Estimates and Forecasts, 2018 - 2030 (USD Million)
    • 8.3.4. France
      • 8.3.4.1. France Cross Border Payments Market Estimates and Forecasts, 2018 - 2030 (USD Million)
  • 8.4. Asia Pacific
    • 8.4.1. Asia Pacific Cross Border Payments Market Estimates and Forecasts, 2018 - 2030 (USD Million)
    • 8.4.2. China
      • 8.4.2.1. China Cross Border Payments Market Estimates and Forecasts, 2018 - 2030 (USD Million)
    • 8.4.3. Japan
      • 8.4.3.1. Japan Cross Border Payments Market Estimates and Forecasts, 2018 - 2030 (USD Million)
    • 8.4.4. India
      • 8.4.4.1. India Cross Border Payments Market Estimates and Forecasts, 2018 - 2030 (USD Million)
    • 8.4.5. South Korea
      • 8.4.5.1. South Korea Cross Border Payments Market Estimates and Forecasts, 2018 - 2030 (USD Million)
    • 8.4.6. Australia
      • 8.4.6.1. Australia Cross Border Payments Market Estimates and Forecasts, 2018 - 2030 (USD Million)
  • 8.5. Latin America
    • 8.5.1. Latin America Cross Border Payments Market Estimates and Forecasts, 2018 - 2030 (USD Million)
    • 8.5.2. Brazil
      • 8.5.2.1. Brazil Cross Border Payments Market Estimates and Forecasts, 2018 - 2030 (USD Million)
  • 8.6. Middle East and Africa
    • 8.6.1. Middle East and Africa Cross Border Payments Market Estimates and Forecasts, 2018 - 2030 (USD Million)
    • 8.6.2. UAE
      • 8.6.2.1. UAE Cross Border Payments Market Estimates and Forecasts, 2018 - 2030 (USD Million)
    • 8.6.3. KSA
      • 8.6.3.1. KSA Cross Border Payments Market Estimates and Forecasts, 2018 - 2030 (USD Million)
    • 8.6.4. South Africa
      • 8.6.4.1. South Africa Cross Border Payments Market Estimates and Forecasts, 2018 - 2030 (USD Million)

Chapter 9. Competitive Landscape

  • 9.1. Company Categorization
  • 9.2. Company Market Positioning
  • 9.3. Company Heat Map Analysis
  • 9.4. Company Profiles/Listing
    • 9.4.1. PayPal
      • 9.4.1.1. Participant's Overview
      • 9.4.1.2. Financial Performance
      • 9.4.1.3. Product Benchmarking
      • 9.4.1.4. Strategic Initiatives
    • 9.4.2. Western Union Holdings
      • 9.4.2.1. Participant's Overview
      • 9.4.2.2. Financial Performance
      • 9.4.2.3. Product Benchmarking
      • 9.4.2.4. Strategic Initiatives
    • 9.4.3. Wise Payments Limited
      • 9.4.3.1. Participant's Overview
      • 9.4.3.2. Financial Performance
      • 9.4.3.3. Product Benchmarking
      • 9.4.3.4. Strategic Initiatives
    • 9.4.4. MoneyGram
      • 9.4.4.1. Participant's Overview
      • 9.4.4.2. Financial Performance
      • 9.4.4.3. Product Benchmarking
      • 9.4.4.4. Strategic Initiatives
    • 9.4.5. Visa
      • 9.4.5.1. Participant's Overview
      • 9.4.5.2. Financial Performance
      • 9.4.5.3. Product Benchmarking
      • 9.4.5.4. Strategic Initiatives
    • 9.4.6. Mastercard
      • 9.4.6.1. Participant's Overview
      • 9.4.6.2. Financial Performance
      • 9.4.6.3. Product Benchmarking
      • 9.4.6.4. Strategic Initiatives
    • 9.4.7. Stripe, Inc.
      • 9.4.7.1. Participant's Overview
      • 9.4.7.2. Financial Performance
      • 9.4.7.3. Product Benchmarking
      • 9.4.7.4. Strategic Initiatives
    • 9.4.8. Payoneer Inc.
      • 9.4.8.1. Participant's Overview
      • 9.4.8.2. Financial Performance
      • 9.4.8.3. Product Benchmarking
      • 9.4.8.4. Strategic Initiatives
    • 9.4.9. Worldpay LLC
      • 9.4.9.1. Participant's Overview
      • 9.4.9.2. Financial Performance
      • 9.4.9.3. Product Benchmarking
      • 9.4.9.4. Strategic Initiatives
    • 9.4.10. Airwallex
      • 9.4.10.1. Participant's Overview
      • 9.4.10.2. Financial Performance
      • 9.4.10.3. Product Benchmarking
      • 9.4.10.4. Strategic Initiatives
    • 9.4.11. Rapyd Financial Network Ltd.
      • 9.4.11.1. Participant's Overview
      • 9.4.11.2. Financial Performance
      • 9.4.11.3. Product Benchmarking
      • 9.4.11.4. Strategic Initiatives