B2B決済市場規模、シェア、成長分析：決済タイプ別、決済手段別、支払い方法別、業界別、企業規模別、地域別 - 産業予測 2025～2032年

B2B決済市場規模は2023年に1兆5,000億米ドルと評価され、2024年の1兆6,900億米ドルから2032年には4兆3,300億米ドルに成長し、予測期間（2025年～2032年）のCAGRは12.5%で成長する見通しです。

世界のB2B決済市場は、企業間の効率的な金融取引の必要性によって大きな成長を遂げています。この分野には、従来の方法から、複雑なB2B決済プロセスの合理化を目的とした革新的なデジタル技術まで、多様な決済ソリューションが含まれます。主な成長要因としては、デジタル化へのシフト、クロスボーダー取引の増加、安全な多通貨決済メカニズムに対する需要などが挙げられます。しかし、変化への抵抗感やデータセキュリティへの懸念といった課題が、急速な普及を妨げる可能性もあります。顕著な動向としては、決済と財務管理ソリューションの統合、モバイル決済や非接触型決済の台頭などが挙げられます。全体として、このダイナミックな市場は、決済サービスプロバイダーやフィンテック革新企業にとって、高度な決済技術を通じて業務効率を高めることに注力する十分な機会を提供しています。

目次

イントロダクション

• 調査の目的
• 調査範囲
• 定義

調査手法

• 情報調達
• 二次と一次データの方法
• 市場規模予測
• 市場の前提条件と制限

エグゼクティブサマリー

• 世界市場の見通し
• 供給と需要の動向分析
• セグメント別機会分析

市場力学と見通し

• 市場概要
• 市場規模
• 市場力学
  • 促進要因と機会
  • 抑制要因と課題
• ポーターの分析

主な市場の考察

• 重要成功要因
• 競合の程度
• 主な投資機会
• 市場エコシステム
• 市場の魅力指数（2024年）
• PESTEL分析
• マクロ経済指標
• バリューチェーン分析
• 価格分析

B2B決済市場規模：決済タイプ別& CAGR（2025-2032）

• 市場概要
• 国内決済
• 国境を越えた支払い

B2B決済市場規模：決済手段別& CAGR（2025-2032）

• 市場概要
• 伝統的
• デジタル

B2B決済市場規模：支払い方法別& CAGR（2025-2032）

• 市場概要
• ACH決済
• 電信送金
• 小切手
• 現金
• デマンドドラフト
• クレジットカード

B2B決済市場規模：業界別& CAGR（2025-2032）

• 市場概要
• 製造業
• IT・通信
• 金属・鉱業
• エネルギー・公共事業
• BFSI

B2B決済市場規模：企業規模別& CAGR（2025-2032）

• 市場概要
• 大企業
• 中規模企業
• 中小企業

B2B決済市場規模：地域別& CAGR（2025-2032）

• 北米
  • 米国
  • カナダ
• 欧州
  • ドイツ
  • スペイン
  • フランス
  • 英国
  • イタリア
  • その他欧州地域
• アジア太平洋地域
  • 中国
  • インド
  • 日本
  • 韓国
  • その他アジア太平洋地域
• ラテンアメリカ
  • ブラジル
  • その他ラテンアメリカ地域
• 中東・アフリカ
  • GCC諸国
  • 南アフリカ
  • その他中東・アフリカ

競合情報

• 上位5社の比較
• 主要企業の市場ポジショニング（2024年）
• 主な市場企業が採用した戦略
• 最近の市場動向
• 企業の市場シェア分析（2024年）
• 主要企業の企業プロファイル
  • 企業の詳細
  • 製品ポートフォリオ分析
  • 企業のセグメント別シェア分析
  • 収益の前年比比較（2022-2024）

主要企業プロファイル

• Visa Inc.（United States）
• Mastercard Incorporated（United States）
• PayPal Holdings, Inc.（United States）
• Stripe（United States）
• American Express Company（United States）
• JPMorgan Chase & Co.（United States）
• Bank of America Corporation（United States）
• Wells Fargo & Company（United States）
• Citigroup Inc.（United States）
• Goldman Sachs Group, Inc.（United States）
• Fidelity National Information Services（FIS）（United States）
• Fiserv, Inc.（United States）
• Global Payments Inc.（United States）
• Worldpay（FIS）（United Kingdom）
• Adyen（Netherlands）
• Checkout.com（United Kingdom）
• Shopify Inc.（Canada）
• Square, Inc.（United States）
• Amazon（United States）
• Apple Inc.（United States）

結論と提言

B2B Payments Market size was valued at USD 1.5 trillion in 2023 and is poised to grow from USD 1.69 trillion in 2024 to USD 4.33 trillion by 2032, growing at a CAGR of 12.5% during the forecast period (2025-2032).

The Global B2B Payments Market is experiencing significant growth, driven by the need for efficient financial transactions between businesses. This sector includes a diverse range of payment solutions, from traditional methods to innovative digital technologies aimed at streamlining complex B2B payment processes. Key growth drivers include the shift towards digitization, increased cross-border trade, and the demand for secure, multi-currency payment mechanisms. However, challenges such as resistance to change and concerns over data security may hinder rapid adoption. Prominent trends include the integration of payment and financial management solutions, and the rise of mobile and contactless payments. Overall, this dynamic market presents ample opportunities for payment service providers and fintech innovators focused on enhancing operational efficiency through advanced payment technologies.

Top-down and bottom-up approaches were used to estimate and validate the size of the B2B Payments market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

B2B Payments Market Segments Analysis

Global B2B Payments Market is segmented by Payment Type, Payment Mode, Payment Method, Industry Vertical, Enterprise Size and region. Based on Payment Type, the market is segmented into Domestic Payments and Cross-Border Payments. Based on Payment Mode, the market is segmented into Traditional and Digital. Based on Payment Method, the market is segmented into ACH, Wire, Cheque, Cash, Demand Draft and Credit Card. Based on Industry Vertical, the market is segmented into Manufacturing, IT and Telecom, Metals and Mining, Energy and Utilities and BFSI. Based on Enterprise Size, the market is segmented into Large Enterprise, Medium-sized Enterprise and Small-sized Enterprise. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the B2B Payments Market

The B2B payments market is experiencing significant growth driven by the rising adoption of digital payment solutions and technological advancements. Businesses are making a shift away from outdated payment methods, like paper checks and manual invoicing, in favor of digital platforms that enhance efficiency, convenience, and cost-effectiveness. Innovations such as mobile payment applications, online payment gateways, and electronic invoicing systems have revolutionized B2B transactions by minimizing manual errors, accelerating processing times, and lowering transaction costs. This transition not only simplifies financial processes for companies but also aligns with the growing demand for streamlined, reliable payment solutions in today's fast-paced business environment.

Restraints in the B2B Payments Market

The B2B payments market encounters significant restraint due to the escalating risks tied to security breaches and fraudulent activities as transaction volumes and values rise. Cybercriminals are increasingly targeting payment systems to infiltrate sensitive financial data, leading to considerable financial setbacks for businesses. This necessitates the implementation of strong security protocols, including encryption, tokenization, and advanced fraud detection technologies, which complicate and elevate the costs associated with B2B payment processes. Additionally, the pressure to comply with stringent regulatory standards, especially in highly regulated sectors like healthcare and finance, further exacerbates the challenges of maintaining secure transactions.

Market Trends of the B2B Payments Market

The B2B payments market is witnessing a significant trend towards the adoption of real-time payment systems, which facilitate instant transaction settlements and cater to the increasing need for faster payment solutions among businesses. With networks like the Faster Payments System in the UK and the RTP network in the U.S., companies can now execute payments 24/7, effectively enhancing cash flow management and liquidity. This trend is particularly vital for industries that rely on time-sensitive transactions, including e-commerce, manufacturing, and supply chain management. As businesses prioritize efficiency and speed, the demand for real-time payments is expected to continue growing, reshaping the B2B payment landscape.

Table of Contents

Introduction

• Objectives of the Study
• Scope of the Report
• Definitions

Research Methodology

• Information Procurement
• Secondary & Primary Data Methods
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Global Market Outlook
• Supply & Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Overview
• Market Size
• Market Dynamics
  • Drivers & Opportunities
  • Restraints & Challenges
• Porters Analysis
  • Competitive rivalry
  • Threat of substitute
  • Bargaining power of buyers
  • Threat of new entrants
  • Bargaining power of suppliers

Key Market Insights

• Key Success Factors
• Degree of Competition
• Top Investment Pockets
• Market Ecosystem
• Market Attractiveness Index, 2024
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Pricing Analysis

Global B2B Payments Market Size by Payment Type & CAGR (2025-2032)

• Market Overview
• Domestic Payments
• Cross-Border Payments

Global B2B Payments Market Size by Payment Mode & CAGR (2025-2032)

• Market Overview
• Traditional
• Digital

Global B2B Payments Market Size by Payment Method & CAGR (2025-2032)

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

Global B2B Payments Market Size by Industry Vertical & CAGR (2025-2032)

• Market Overview
• Manufacturing
• IT and Telecom
• Metals and Mining
• Energy and Utilities
• BFSI

Global B2B Payments Market Size by Enterprise Size & CAGR (2025-2032)

• Market Overview
• Large Enterprise
• Medium-sized Enterprise
• Small-sized Enterprise

Global B2B Payments Market Size & CAGR (2025-2032)

• North America (Payment Type, Payment Mode, Payment Method, Industry Vertical, Enterprise Size)
  • US
  • Canada
• Europe (Payment Type, Payment Mode, Payment Method, Industry Vertical, Enterprise Size)
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific (Payment Type, Payment Mode, Payment Method, Industry Vertical, Enterprise Size)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America (Payment Type, Payment Mode, Payment Method, Industry Vertical, Enterprise Size)
  • Brazil
  • Rest of Latin America
• Middle East & Africa (Payment Type, Payment Mode, Payment Method, Industry Vertical, Enterprise Size)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Intelligence

• Top 5 Player Comparison
• Market Positioning of Key Players, 2024
• Strategies Adopted by Key Market Players
• Recent Developments in the Market
• Company Market Share Analysis, 2024
• Company Profiles of All Key Players
  • Company Details
  • Product Portfolio Analysis
  • Company's Segmental Share Analysis
  • Revenue Y-O-Y Comparison (2022-2024)

Key Company Profiles

• Visa Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Mastercard Incorporated (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• PayPal Holdings, Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Stripe (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• American Express Company (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• JPMorgan Chase & Co. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Bank of America Corporation (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Wells Fargo & Company (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Citigroup Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Goldman Sachs Group, Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Fidelity National Information Services (FIS) (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Fiserv, Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Global Payments Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Worldpay (FIS) (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Adyen (Netherlands)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Checkout.com (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Shopify Inc. (Canada)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Square, Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Amazon (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Apple Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations