The market size of global B2B payments will be estimated at USD 1435 billion in 2025 and is expected to grow to between USD 1658 billion in 2026 and about USD 6115 billion by 2035, with a current CAGR (compound annual growth rate) of 15.6% during the period of 2026 to 2035.

B2B Payments Market Size 2025 To 2035 (Usd Billion)

B2B Payments Market Revenue and Trends

B2B payments are payments from one business to another for products, services, supplies, invoice processing or other transactions. They can be in the form of interbank transfers, ACH payments, wire transfers, virtual cards, real-time payments and other digital payment systems. The business-to-business payments sector is moving from manual processes to more automated and digital transactions that are efficient, effective and safe in processing and settling funds.

Among the key trends are the emergence of real-time payments, AI-driven payment automation, embedded payments, application programming interface (API) payments and digital wallets. For example, firms are also using artificial intelligence to detect and prevent fraudulent transactions and to automate reconciliation processes.

Embedded payments, embedded in ERP, accounting, procurement and other platforms, will continue to gather momentum and revolutionize the way firms send and receive payments. B2B payments will generally be more automated, faster, transparent and easier to administer.

What are the Factors That Have a Significant Contribution to the Growth of the B2B Payments Market?

Expansion of embedded payments is set to revolutionize the B2B payments market due to the potential to embed payment functionality in enterprise resource planning, accounting, procurement, expense-management, and other business software, resulting in payments being processed within the same platform. According to Mastercard, the company has been able to identify an $80 trillion opportunity in the commercial-payment space. Mastercard announced in March 2025 the launch of its new embedded virtual-card program.

The payment giant allows banks and other partners to embed Mastercard Virtual Card Number (VCN) technology directly into their platform, from which users can make payments to process invoices and expenses with fewer steps and automate certain payments. Mastercard’s solution promises to enable businesses to benefit from faster, more transparent, and more accessible payments.

The product offering by Mastercard supports the projected growth of the B2B payments market since embedded payments remove complexity, save time, simplify the integration process, improve visibility, and enable organizations to adopt digital payments smoothly. With embedded payments, employees can make payments from within the application instead of switching to a different bank or payment application.

According to Mastercard, the new program would reduce onboarding and integration complexities for banks and partners, shortening the time for adopting embedded virtual-card solutions. By reducing friction in the payment process, embedded payments can unlock value by driving higher transaction volumes and diversifying revenues from transaction fees, virtual cards, automation, and other value-added services.

Regional Insights

North America dominates the B2B payments market. North America’s B2B payments market is being driven by increased investment by leading payment providers in technologies such as artificial intelligence (AI), automation, embedded payments, and digitalization of payment instruments. Innovations allow businesses to automate invoice payments, reconciliation processes, fraud detection, approvals, and supplier payments.

As a result, the volume of digital payments made between businesses is set to grow significantly. For instance, Visa has invested over US$3 billion in AI and data analytics in the past decade and developed more than a hundred products that utilize this technology to enhance financial transactions, including those that fight money laundering and fraud.

Besides, the Asia Pacific is expected to grow at the highest CAGR over the projected period. According to the US Department of Commerce, B2B e-commerce across the Asia Pacific area has been growing at about 15% per year, compared to the global average of 14.5%. The B2B e-commerce in the region is expected to hit US$28.9 trillion by 2026. The rise in e-commerce platforms and digital marketplaces that support business-to-business transactions on the region are driving demand for B2B payments solutions, which in turn, is projected to witness strong development in the coming years.

The emergence of online marketplaces such as Alibaba, 1688.com and IndiaMART is allowing many companies, especially small, medium and large-sized enterprises in the Asia Pacific area, to procure goods and services from manufacturers, wholesalers and other suppliers via the internet.

These companies are progressively embracing more efficient digital payment methods such as account to account, virtual cards, payment automation, invoicing and reconciliation solutions. The rise of the digital economy in Southeast Asia is another important driver of the demand for B2B payments solutions in the region. According to the e-Conomy SEA 2025 research, three in five people in Southeast Asia purchased goods or services online in 2025 and more than 60% of all payments in the region were digital.

Report Scope

Feature of the ReportDetails
Market Size in 2026USD 1658 billion
Projected Market Size in 2035USD 6115 billion
Market Size in 2025USD 1435 billion
CAGR Growth Rate15.6% CAGR
Base Year2025
Forecast Period2026-2035
Key SegmentBy Payment Type, Payment Mode, Enterprise Size, Industry Vertical and Region
Report CoverageRevenue Estimation and Forecast, Company Profile, Competitive Landscape, Growth Factors and Recent Trends
Regional ScopeNorth America, Europe, Asia Pacific, Middle East & Africa, and South & Central America
Buying OptionsRequest tailored purchasing options to fulfil your requirements for research.

Recent Developments

  • In July 2026, Payward completed its acquisition of Reap, expanding its regulated B2B payments infrastructure for stablecoin-enabled global payments, card issuance, and cross-border settlement.
  • In September 2025, Google and PayPal entered a multi-year strategic partnership to integrate PayPal Enterprise Payments, Hyperwallet, and payout services across Google platforms while jointly developing AI-powered commerce and payment capabilities.

List of the prominent players in the B2B Payments Market:

  • PayPal Holdings Inc.
  • Mastercard Incorporated
  • American Express Company
  • Adyen N.V.
  • Fidelity National Information Services Inc. (FIS Global)
  • Fiserv Inc.
  • Global Payments Inc.
  • Stripe Inc.
  • JPMorgan Chase and Co.
  • Block Inc. (Square)
  • Visa Inc.
  • Payoneer Global Inc.
  • Wise Plc
  • Coupa Software Incorporated
  • Bill com Holdings Inc.
  • SAP SE
  • Bottomline Technologies Inc.
  • Airwallex (Hong Kong) Limited
  • Currencycloud Group Limited
  • Flywire Corporation
  • Others

The B2B Payments Market is segmented as follows:

By Payment Type

  • Domestic Payments
  • Cross-Border Payments

By Payment Mode

  • Traditional
  • Digital

By Enterprise Size

  • Small and Medium Enterprises (SMEs)
  • Large Enterprises

By Industry Vertical

  • Banking, Financial Services and Insurance (BFSI)
  • Manufacturing
  • Energy and Utilities
  • Information Technology and Telecom
  • Government and Public Sector
  • Others

Regional Coverage:

North America

  • U.S.
  • Canada
  • Mexico
  • Rest of North America

Europe

  • Germany
  • France
  • U.K.
  • Russia
  • Italy
  • Spain
  • Netherlands
  • Rest of Europe

Asia Pacific

  • China
  • Japan
  • India
  • New Zealand
  • Australia
  • South Korea
  • Taiwan
  • Rest of Asia Pacific

The Middle East & Africa

  • Saudi Arabia
  • UAE
  • Egypt
  • Kuwait
  • South Africa
  • Rest of the Middle East & Africa

Latin America

  • Brazil
  • Argentina
  • Rest of Latin America