クロスボーダー決済市場規模、シェア、成長分析、決済方法別、取引目的別、通貨ペア別、取引量別、ビジネスモデル別、地域別 - 産業予測 2025年～2032年

クロスボーダー決済の世界市場規模は2023年に296億米ドルと評価され、2024年の358億2,000万米ドルから2032年には1,645億7,000万米ドルに成長し、予測期間中（2025年～2032年）のCAGRは21.0%で推移する見通しです。

クロスボーダー決済市場は、eコマースの急速な拡大、海外送金の増加、ビジネスの世界化などを背景に著しい成長を遂げています。国際的な事業者によるオンラインショッピングは、国境を越えた金融支援を促進する世界な移動に伴い、効率的な決済システムへの需要を高めています。eコマースやサプライチェーンなど、国際的な事業を管理するために、企業はますます近代化された決済インフラを求めています。また、政府や金融機関による決済システム強化の取り組みは、経済統合と金融包摂を促進しています。しかし、規制の複雑さ、コンプライアンス問題、通貨変動、サイバーセキュリティリスクなどの課題は、特に新興国市場において、さらなる市場浸透の大きな障壁となっており、これらの懸念に対処する革新的なソリューションの必要性が浮き彫りになっています。

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

クロスボーダー決済市場規模：決済方法別& CAGR（2025-2032）

• 市場概要
• 銀行振込
• オンライン決済ゲートウェイ
• モバイルマネー
• デジタルウォレット
• 暗号通貨

クロスボーダー決済市場規模：取引目的別& CAGR（2025-2032）

• 市場概要
• 送金
• ビジネス取引
• eコマースでの購入
• 投資
• 教育費

クロスボーダー決済市場規模：通貨ペア別& CAGR（2025-2032）

• 市場概要
• 米ドル/ユーロ
• 米ドル/ポンド
• 米ドル/円
• 米ドル/人民元
• 米ドル/インドルピー

クロスボーダー決済市場規模：取引量別& CAGR（2025-2032）

• 市場概要
• 低価値（10万米ドル未満）
• 中程度の価値（10万米ドル～100万米ドル）
• 高価値（100万米ドル以上）

クロスボーダー決済市場規模：ビジネスモデル別& CAGR（2025-2032）

• 市場概要
• 銀行間
• 非銀行金融機関（NBFI）
• フィンテック企業
• 決済サービスプロバイダー（PSP）
• ピアツーピア（P2P）プラットフォーム

クロスボーダー決済市場規模：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年）

主要企業プロファイル

• Wise（UK）
• Payoneer（USA）
• Airwallex（Australia）
• Western Union（USA）
• Checkout.com（UK）
• Citigroup（USA）
• FIS（USA）
• OFX Group（Australia）
• Stripe（USA）
• Visa Inc.（USA）
• Mastercard（USA）
• J.P. Morgan（USA）
• Revolut（UK）
• Adyen（Netherlands）
• Nium（Singapore）
• Corpay（USA）
• Rapyd（UK）

結論と提言

Global Cross Border Payments Market size was valued at USD 29.6 billion in 2023 and is poised to grow from USD 35.82 billion in 2024 to USD 164.57 billion by 2032, growing at a CAGR of 21.0% during the forecast period (2025-2032).

The cross-border payments market is experiencing notable growth driven by the rapid expansion of e-commerce, increased international remittances, and the globalization of businesses. Online shopping from international merchants is boosting the demand for efficient payment systems as global migration facilitates financial support across borders. Companies are increasingly seeking modernized payment infrastructures to manage their international operations, whether in e-commerce or supply chains. Additionally, efforts from governments and financial institutions to enhance payment systems are promoting economic integration and financial inclusion. However, challenges such as regulatory complexities, compliance issues, currency volatility, and cybersecurity risks pose significant barriers to further market penetration, particularly in developing regions, highlighting the need for innovative solutions to address these concerns.

Top-down and bottom-up approaches were used to estimate and validate the size of the Global Cross Border 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.

Global Cross Border Payments Market Segments Analysis

Global Cross Border Payments Market is segmented by Payment Method, Transaction Purpose, Currency Pair, Volume, Business Model and region. Based on Payment Method, the market is segmented into Bank Transfers, Online Payment Gateways, Mobile Money, Digital Wallets and Cryptocurrencies. Based on Transaction Purpose, the market is segmented into Remittances, Business Transactions, E-commerce Purchases, Investments and Educational Expenses. Based on Currency Pair, the market is segmented into USD/EUR, USD/GBP, USD/JPY, USD/CNY and USD/INR. Based on Volume, the market is segmented into Low Value (below $100K), Medium Value ($100K-$1M) and High Value (above $1M). Based on Business Model, the market is segmented into Bank-to-Bank, Non-Bank Financial Institution (NBFI), Fintech Companies, Payment Service Providers (PSPs) and Peer-to-Peer (P2P) Platforms. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Global Cross Border Payments Market

Innovations in fintech and blockchain technology are transforming the cross-border payments sector. Both startups and established companies are creating decentralized payment solutions, stablecoins, and smart contracts to enhance the efficiency of cross-border transactions. These advancements help lower transaction costs, reduce foreign exchange risks, and streamline compliance processes. As the demand for rapid and secure payment methods continues to rise worldwide, the influence of these fintech innovations is expected to significantly improve the prospects of the global cross-border payments market in the coming years. This technological evolution is set to reshape how international payments are conducted, fostering greater accessibility and efficiency.

Restraints in the Global Cross Border Payments Market

A major limitation in the global cross-border payments market is the unpredictability of currency exchange rates and the accompanying conversion fees. These fluctuations can greatly influence the net amount that recipients obtain, particularly in the case of substantial transactions or regular remittances. The inherent risks and complexities stemming from unpredictable currency variations create challenges for both businesses and individuals. The absence of clear, stable, and cost-effective exchange solutions hampers the growth and efficiency of cross-border payments, posing significant obstacles to wider implementation and acceptance in the financial landscape.

Market Trends of the Global Cross Border Payments Market

The Global Cross Border Payments market is rapidly evolving, driven by the increasing demand for real-time transactions that mirror the efficiency of domestic systems such as India's UPI and Europe's SEPA Instant. This shift is prompting strategic partnerships between fintech companies and banks to develop interoperable payment systems utilizing ISO 20022 messaging standards. Initiatives like SWIFT gpi and Visa B2B Connect are pivotal in minimizing settlement times from several days to mere minutes, thus enhancing the customer experience. As regulatory bodies and infrastructure providers modernize outdated systems, real-time cross-border payments are establishing themselves as a dominant trend, reshaping the future of international financial transactions.

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 Cross Border Payments Market Size by Payment Method & CAGR (2025-2032)

• Market Overview
• Bank Transfers
• Online Payment Gateways
• Mobile Money
• Digital Wallets
• Cryptocurrencies

Global Cross Border Payments Market Size by Transaction Purpose & CAGR (2025-2032)

• Market Overview
• Remittances
• Business Transactions
• E-commerce Purchases
• Investments
• Educational Expenses

Global Cross Border Payments Market Size by Currency Pair & CAGR (2025-2032)

• Market Overview
• USD/EUR
• USD/GBP
• USD/JPY
• USD/CNY
• USD/INR

Global Cross Border Payments Market Size by Volume & CAGR (2025-2032)

• Market Overview
• Low Value (below $100K)
• Medium Value ($100K-$1M)
• High Value (above $1M)

Global Cross Border Payments Market Size by Business Model & CAGR (2025-2032)

• Market Overview
• Bank-to-Bank
• Non-Bank Financial Institution (NBFI)
• Fintech Companies
• Payment Service Providers (PSPs)
• Peer-to-Peer (P2P) Platforms

Global Cross Border Payments Market Size & CAGR (2025-2032)

• North America (Payment Method, Transaction Purpose, Currency Pair, Volume, Business Model)
  • US
  • Canada
• Europe (Payment Method, Transaction Purpose, Currency Pair, Volume, Business Model)
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific (Payment Method, Transaction Purpose, Currency Pair, Volume, Business Model)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America (Payment Method, Transaction Purpose, Currency Pair, Volume, Business Model)
  • Brazil
  • Rest of Latin America
• Middle East & Africa (Payment Method, Transaction Purpose, Currency Pair, Volume, Business Model)
  • 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

• Wise (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Payoneer (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Airwallex (Australia)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Western Union (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Checkout.com (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Citigroup (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• FIS (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• OFX Group (Australia)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Stripe (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Visa Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Mastercard (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• J.P. Morgan (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Revolut (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Adyen (Netherlands)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Nium (Singapore)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Corpay (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Rapyd (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations