バーチャルカードの市場規模、シェア、成長分析：カードタイプ別、製品タイプ別、用途別、地域別 - 産業予測 2025～2032年

バーチャルカード市場規模は2023年に2,979億3,000万米ドルとなり、2024年の3,584億1,000万米ドルから2032年には1兆5,721億9,000万米ドルに成長し、予測期間（2025年～2032年）のCAGRは20.3％で成長する見通しです。

バーチャルカード市場は、eコマースの急増と金融サービスのデジタル化によって急速に拡大しています。消費者や企業が安全で効率的なデジタル決済ソリューションを選ぶ中、詐欺防止やモバイルウォレットやデジタルバンキングとの統合を容易にするバーチャルカードが支持を集めています。Mastercard、Visa、Stripe、PayPalなどの主要企業は、B2B取引、AIを活用した不正検知、取引の透明性を向上させるブロックチェーン統合に重点を置き、サービスを強化しています。この新たなトレンドは、キャッシュレス経済へのシフトを後押しするものであり、バーチャルカードはオンライン購入、定期購入、経費管理に不可欠なツールとなっています。デジタル決済ソリューションの進化に伴い、バーチャルカード市場は、継続的なフィンテック革新と規制当局の支援により、大きな成長を遂げようとしています。

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

バーチャルカード市場規模：カードタイプ別

• 市場概要
• クレジットカード
• デビットカード

バーチャルカード市場規模：製品タイプ別

• 市場概要
• B2Bバーチャルカード
• B2Cリモート決済バーチャルカード
• B2C POSバーチャルカード

バーチャルカード市場規模：用途別

• 市場概要
• 消費者向け
• ビジネス向け

バーチャルカード市場規模

• 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年）

主要企業プロファイル

• American Express Company（USA）
• JPMorgan Chase & Co.（USA）
• MasterCard Incorporated（USA）
• Visa Inc.（USA）
• Marqeta, Inc.（USA）
• WEX Inc.（USA）
• Stripe, Inc.（USA）
• Adyen N.V.（Netherlands）
• Wise Payments Limited（UK）
• Skrill USA, Inc.（USA）
• BTRS Holdings, Inc.（USA）
• Revolut Ltd.（UK）
• Payoneer Inc.（USA）
• Airwallex（Australia）
• Nium Pte. Ltd.（Singapore）
• PayPal Holdings, Inc.（USA）
• Citibank（USA）
• HSBC Holdings plc（UK）
• Barclays plc（UK）
• Capital One Financial Corporation（USA）

結論と提言

Virtual Cards Market size was valued at USD 297.93 billion in 2023 and is poised to grow from USD 358.41 billion in 2024 to USD 1572.19 billion by 2032, growing at a CAGR of 20.3% during the forecast period (2025-2032).

The virtual cards market is rapidly expanding, largely fueled by the surge in e-commerce and the digitization of financial services. As consumers and businesses opt for secure and efficient digital payment solutions, virtual cards-offering fraud protection and ease of integration with mobile wallets and digital banking-are gaining traction. Key players like Mastercard, Visa, Stripe, and PayPal are enhancing their offerings, focusing on B2B transactions, AI-driven fraud detection, and blockchain integration to improve transaction transparency. This emerging trend supports the ongoing shift towards cashless economies, with virtual cards becoming essential tools for online purchases, subscriptions, and expense management. As digital payment solutions evolve, the virtual cards market is poised for significant growth, driven by continued fintech innovation and regulatory support.

Top-down and bottom-up approaches were used to estimate and validate the size of the Virtual Cards 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.

Virtual Cards Market Segments Analysis

Global Virtual Cards Market is segmented by Card Type, Product Type, Application and region. Based on Card Type, the market is segmented into Credit Card and Debit Card. Based on Product Type, the market is segmented into B2B Virtual Cards, B2C Remote Payment Virtual Cards and B2C POS Virtual Cards. Based on Application, the market is segmented into Consumer Use and Business Use. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Virtual Cards Market

The virtual cards market is primarily driven by the global shift towards digital payments, fueled by the rise in e-commerce transactions and the integration of mobile wallets. This trend highlights a growing preference for contactless payment methods, as both businesses and consumers are seeking secure, efficient, and convenient solutions for financial transactions. As the demand for swift and reliable payment options continues to rise, the adoption of virtual cards across various industries is increasingly becoming a priority. Consequently, these factors significantly contribute to the expansion and evolution of the virtual cards market, illustrating its crucial role in today's financial landscape.

Restraints in the Virtual Cards Market

The growth of the global virtual cards market faces significant challenges, particularly due to limited merchant acceptance, especially in areas with underdeveloped digital payment systems. Many small businesses and local vendors have yet to adopt virtual payment methods, which hampers the widespread adoption of virtual cards. This lack of acceptance significantly restricts market expansion in economies that have not fully embraced digital transactions, ultimately impeding the overall growth potential of the virtual cards market. Without increased acceptance among merchants, particularly in less digitized regions, the progress of the virtual cards market will remain stunted.

Market Trends of the Virtual Cards Market

The Virtual Cards market is experiencing significant growth, driven by the increasing demand for seamless, secure, and automated payment solutions in B2B transactions. Companies are leveraging virtual cards to enhance procurement processes, improve spend visibility, and mitigate fraud risks. As businesses prioritize digital transformation, financial institutions and fintech companies are responding by expanding their B2B virtual card offerings, positioning them as a dominant market trend. This shift not only addresses operational efficiencies but also reflects a broader move towards cashless transactions, indicating a robust future for virtual cards as businesses seek innovative financial tools for modern commerce.

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 Virtual Cards Market Size by Card Type & CAGR (2025-2032)

• Market Overview
• Credit Card
• Debit Card

Global Virtual Cards Market Size by Product Type & CAGR (2025-2032)

• Market Overview
• B2B Virtual Cards
• B2C Remote Payment Virtual Cards
• B2C POS Virtual Cards

Global Virtual Cards Market Size by Application & CAGR (2025-2032)

• Market Overview
• Consumer Use
• Business Use

Global Virtual Cards Market Size & CAGR (2025-2032)

• North America (Card Type, Product Type, Application)
  • US
  • Canada
• Europe (Card Type, Product Type, Application)
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific (Card Type, Product Type, Application)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America (Card Type, Product Type, Application)
  • Brazil
  • Rest of Latin America
• Middle East & Africa (Card Type, Product Type, Application)
  • 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

• American Express Company (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• JPMorgan Chase & Co. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• MasterCard Incorporated (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Visa Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Marqeta, Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• WEX Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Stripe, Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Adyen N.V. (Netherlands)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Wise Payments Limited (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Skrill USA, Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• BTRS Holdings, Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Revolut Ltd. (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Payoneer Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Airwallex (Australia)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Nium Pte. Ltd. (Singapore)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• PayPal Holdings, Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Citibank (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• HSBC Holdings plc (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Barclays plc (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Capital One Financial Corporation (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations