Embedded Payments - Global Strategic Business Report

The global market for Embedded Payments was estimated at US$24.0 Billion in 2024 and is projected to reach US$99.7 Billion by 2030, growing at a CAGR of 26.8% from 2024 to 2030. This comprehensive report provides an in-depth analysis of market trends, drivers, and forecasts, helping you make informed business decisions. The report includes the most recent global tariff developments and how they impact the Embedded Payments market.

Global Embedded Payments Market - Key Trends & Drivers Summarized

How Are Embedded Payments Redefining the Digital Commerce Experience?

Embedded payments refer to the seamless integration of payment processing capabilities directly into non-financial applications, allowing users to complete transactions without redirection to third-party payment gateways. This innovation has transformed industries such as e-commerce, ride-hailing, subscription services, and the gig economy, where frictionless transactions are critical for user satisfaction. By embedding payment functionalities within their platforms, businesses can enhance customer experience, reduce transaction abandonment, and improve operational efficiency. The rise of digital wallets, in-app payments, and contactless transactions has further accelerated the adoption of embedded payments, enabling real-time, secure, and convenient financial interactions. With the increasing shift towards digital-first economies, embedded payments have become a fundamental element in modern digital ecosystems, facilitating seamless transactions for consumers and businesses alike.

The adoption of embedded payments is driven by the need for speed, security, and automation in financial transactions. Businesses that integrate payments directly into their platforms eliminate the need for manual processing, reducing errors and delays while improving cash flow. Additionally, embedded payments enable businesses to create new revenue streams through transaction fees, subscription-based billing, and dynamic pricing models. Companies such as Uber, Amazon, and Shopify have successfully leveraged embedded payment systems to streamline financial interactions and offer users a more intuitive, one-click purchasing experience. With the increasing adoption of embedded payments in B2B transactions, enterprises are also benefiting from automated invoicing, instant settlements, and improved vendor management, further reinforcing the value of seamless financial integration.

What Are the Technological Advancements Driving Embedded Payments?

Technological advancements in financial infrastructure, artificial intelligence (AI), and security protocols have played a crucial role in enhancing embedded payments. The emergence of real-time payment networks, such as FedNow and SEPA Instant, has improved transaction speed and reliability, reducing settlement times from days to seconds. AI-driven fraud detection systems and biometric authentication solutions have strengthened payment security, minimizing risks associated with unauthorized transactions and cyber threats. Additionally, blockchain-based smart contracts and decentralized finance (DeFi) solutions are being integrated into embedded payment systems, offering businesses greater transparency, efficiency, and cost reduction in cross-border transactions.

The integration of API-driven payment gateways has simplified the process of embedding payments into platforms, enabling businesses to offer seamless transactions without developing proprietary financial infrastructure. Furthermore, the growth of embedded finance ecosystems, including banking-as-a-service (BaaS) and open banking platforms, has expanded access to advanced payment solutions for businesses of all sizes. The proliferation of Internet of Things (IoT) devices and voice-activated payments is also reshaping the embedded payments landscape, enabling transactions through smart home devices, wearables, and connected vehicles. As businesses continue to prioritize digital transformation, embedded payments will remain a cornerstone of innovation, driving seamless commerce experiences across industries.

Which Industries and Use Cases Are Driving Embedded Payment Adoption?

The adoption of embedded payments spans multiple industries, with e-commerce, transportation, healthcare, and SaaS leading the way. E-commerce platforms have integrated embedded payments to offer one-click checkout experiences, reducing friction and improving conversion rates. Ride-hailing and food delivery apps utilize embedded payments to facilitate instant driver payouts and seamless consumer transactions. Subscription-based businesses, including streaming services and SaaS platforms, have embedded recurring billing solutions to automate payments and enhance user retention.

In the healthcare sector, embedded payments are streamlining medical billing, enabling patients to pay for services through digital wallets, installment plans, and insurance-linked payment systems. The travel and hospitality industries are leveraging embedded payments for dynamic pricing, pre-authorized transactions, and contactless check-ins, enhancing guest experiences. B2B marketplaces and supply chain platforms are also incorporating embedded payments for automated invoicing, supplier financing, and instant settlements, reducing administrative burdens and improving cash flow management. With the rise of fintech innovations, embedded payments are becoming an essential component of modern financial ecosystems, enabling businesses to create frictionless, customer-centric payment experiences.

What Is Driving the Growth of the Embedded Payments Market?

The growth in the embedded payments market is driven by several factors, including the increasing shift towards digital commerce, advancements in payment security, and the growing adoption of API-based financial services. The rapid expansion of e-commerce and mobile commerce has fueled demand for seamless, real-time transactions, prompting businesses to integrate embedded payment solutions within their platforms. Regulatory support for open banking and real-time payments has also accelerated market growth, enabling businesses to access secure, interoperable financial infrastructure.

The rise of embedded finance ecosystems, including BaaS and fintech partnerships, has further strengthened the embedded payments market by providing businesses with flexible payment solutions tailored to their needs. The demand for automated billing, subscription-based payments, and B2B transaction management has expanded the use of embedded payment systems across industries, improving efficiency and reducing transaction costs. Additionally, the increasing adoption of digital wallets, biometric authentication, and AI-powered fraud detection solutions has enhanced payment security and consumer trust, driving widespread adoption. As businesses continue to innovate and prioritize frictionless financial experiences, embedded payments will play a crucial role in shaping the future of digital transactions.

Report Scope

The report analyzes the Embedded Payments market, presented in terms of market value (US$ Thousand). The analysis covers the key segments and geographic regions outlined below.

Segments: Payment (In-app payments, API-based payments, Platform integrated payments, Software-as-a-Service payments, Marketplace payments); Deployment (On-Premise, Cloud); Payment Method (Digital wallets, Credit/debit cards, Bank transfers, Mobile payments); Vertical (E-commerce, Healthcare, Financial services, Retail, Hospitality, Transportation & logistics, Others)

Geographic Regions/Countries: World; United States; Canada; Japan; China; Europe (France; Germany; Italy; United Kingdom; Spain; Russia; and Rest of Europe); Asia-Pacific (Australia; India; South Korea; and Rest of Asia-Pacific); Latin America (Argentina; Brazil; Mexico; and Rest of Latin America); Middle East (Iran; Israel; Saudi Arabia; United Arab Emirates; and Rest of Middle East); and Africa.

Key Insights:

• Market Growth: Understand the significant growth trajectory of the In-app payments segment, which is expected to reach US$34.4 Billion by 2030 with a CAGR of a 25.1%. The API-based payments segment is also set to grow at 27.6% CAGR over the analysis period.
• Regional Analysis: Gain insights into the U.S. market, estimated at $6.5 Billion in 2024, and China, forecasted to grow at an impressive 35.0% CAGR to reach $24.3 Billion by 2030. Discover growth trends in other key regions, including Japan, Canada, Germany, and the Asia-Pacific.

Why You Should Buy This Report:

• Detailed Market Analysis: Access a thorough analysis of the Global Embedded Payments Market, covering all major geographic regions and market segments.
• Competitive Insights: Get an overview of the competitive landscape, including the market presence of major players across different geographies.
• Future Trends and Drivers: Understand the key trends and drivers shaping the future of the Global Embedded Payments Market.
• Actionable Insights: Benefit from actionable insights that can help you identify new revenue opportunities and make strategic business decisions.

Key Questions Answered:

• How is the Global Embedded Payments Market expected to evolve by 2030?
• What are the main drivers and restraints affecting the market?
• Which market segments will grow the most over the forecast period?
• How will market shares for different regions and segments change by 2030?
• Who are the leading players in the market, and what are their prospects?

Report Features:

• Comprehensive Market Data: Independent analysis of annual sales and market forecasts in US$ Million from 2024 to 2030.
• In-Depth Regional Analysis: Detailed insights into key markets, including the U.S., China, Japan, Canada, Europe, Asia-Pacific, Latin America, Middle East, and Africa.
• Company Profiles: Coverage of players such as Airwallex, Alviere, Balance, BlueSnap, Checkout.com and more.
• Complimentary Updates: Receive free report updates for one year to keep you informed of the latest market developments.

Select Competitors (Total 44 Featured):

• Airwallex
• Alviere
• Balance
• BlueSnap
• Checkout.com
• FIS (Fidelity National Information Services)
• Fortis
• Galileo Financial Technologies
• Marqeta
• OpenPayd
• Payrix (a Worldpay Company)
• Plaid
• Railsr
• Ramp
• Shift4
• Stax Payments
• Stitch
• Stripe
• Unit
• Worldpay

Tariff Impact Analysis: Key Insights for 2025

Global tariff negotiations across 180+ countries are reshaping supply chains, costs, and competitiveness. This report reflects the latest developments as of April 2025 and incorporates forward-looking insights into the market outlook.

The analysts continuously track trade developments worldwide, drawing insights from leading global economists and over 200 industry and policy institutions, including think tanks, trade organizations, and national economic advisory bodies. This intelligence is integrated into forecasting models to provide timely, data-driven analysis of emerging risks and opportunities.

What’s Included in This Edition:

• Tariff-adjusted market forecasts by region and segment
• Analysis of cost and supply chain implications by sourcing and trade exposure
• Strategic insights into geographic shifts

Buyers receive a free July 2025 update with:

• Finalized tariff impacts and new trade agreement effects
• Updated projections reflecting global sourcing and cost shifts
• Expanded country-specific coverage across the industry