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Commercial Cards and B2B Payment Services: U.S. and Global Markets & Trends (11th Edition)

  • ID: 4901120
  • Report
  • December 2019
  • Region: Global, United States
  • 147 Pages
  • Packaged Facts
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FEATURED COMPANIES

  • Amazon
  • Bill.com
  • Diners Club
  • Earthport
  • Mastercard
  • SWIFT
  • MORE

Much is afoot in commercial payment cards today. The industry is at a tipping point: While cards continue to provide the backbone, technology is reshaping and broadening their ability to meet customer pain points. Wrapped around them are an increasingly sophisticated array of software solutions and technology platforms that help bridge a gamut of challenges and providing increasingly seamless payment processes that involve not just cards.

Yes, it's a multi-rail world, even for Visa and Mastercard, as industry participants rush to partner, acquire, and strategize to tap the broader global B2B payment opportunity. Meanwhile, to the tune of $2.35 billion in 2018 payment value, commercial card payment value trends suggest continued healthy growth in the U.S. and point to untapped international opportunity.

Commercial Cards and B2B Payment Services: The U.S. and Global Markets & Trends (11th Edition) provides needed insight into a growing market on the cusp of change. While cards are emphasized in market sizing, the report also includes significant analysis related to ACH and accounts payable automation.

The report presents the size and growth of the market and related key metrics within the broader payment card arena. Included are discussions and analysis of the various card associations or networks, commercial payment card types, trends and factors affecting their growth, and a focused analysis of U.S. commercial card usage demographics and preferences. Major card brands and issuers are profiled.

Specifically, this report:

  • Provides a global payment card commercial card market size and forecast through 2022, with supporting the analysis of global, U.S. and non-U.S. consumer and commercial credit card and debit card payment value growth during 2014-2018. This includes total and commercial U.S. and non-U.S. credit and debit card payment value share among seven leading payment networks (American Express, Diners Club, Discover, JCB, Mastercard, UnionPay, and Visa).
  • Places heavy emphasis on technology-forward B2B payments innovation, including new product launches, fintech partnerships and acquisitions, and related growth analysis. Examples include Mastercard B2B Hub, Visa B2B Connect, Ripple, and Bill.com.
  • Dives into specialty B2B powerhouses WEX and FleetCor, emphasizing virtual card and AP automation strategies and successes. Market sizes for corporate and fleet card programs are included.
  • Provides stand-alone Visa Europe 2014-2018 payment value, including commercial and consumer credit cards and debit cards.
  • Includes U.S. ACH total and commercial payments value estimates through 2019, as well as same-day ACH and same-day ACH B2B payments
  • Dives into American Express small business, middle market, and large/global U.S. and non-U.S. commercial card payment value, including trended analysis of top international markets (total payment value and SME payment value). U.S. and non-U.S. payment value market sizing for OPEN small business payment value is also included.
  • Provides global and U.S. ACH, cash and check, and payment card value payment value, including B2B payments; and a proprietary estimate for 2014-2018 U.S. B2B payment value by expenditure input.
  • Provides guidance on U.S. business card usage penetration by card brand, business employment size, and occupation; among business purchase decision markers by type of involvement, card brand, and employment size.
  • Analyzes the commercial payment strategies of American Express, China UnionPay, JCB, Mastercard, and Visa. This includes analysis of commercial card operations, technology-forward B2B payments initiatives, and U.S. and non-U.S. trends.
  • Includes China UnionPay consumer and commercial domestic and international credit card and debit card payment value estimates, as well as related metrics.
Note: Product cover images may vary from those shown
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FEATURED COMPANIES

  • Amazon
  • Bill.com
  • Diners Club
  • Earthport
  • Mastercard
  • SWIFT
  • MORE

1. Executive Summary

  • Report Scope
  • Executive Summary
  • Market Size and Forecast
  • Commercial Card Network Operators: American Express
  • China UnionPay
  • JCB
  • Mastercard
  • Visa
  • Specialty B2B Players
  • U.S. Commercial Card Usage Trends

2. Market Size and Forecast

  • Global Payments Opportunity
  • Global Payment Value Reaches $235 trillion
  • Cash and Check Still a Significant Factor
  • B2B Payments Contribute 56% of Cash and Check Payment Value
  • Global Commercial Card Market Size and Forecast
  • Market Size Scope
  • Global Consumer and Commercial Payment Card Market Size
  • Global Consumer and Commercial Payment Card Forecast
  • Global Payment Card Payment Value by Network
  • Global Consumer and Commercial Credit and Debit Card Payment Value
  • U.S. Payments Opportunity
  • U.S. B2B Payments Market Size and Forecast
  • U.S. Commercial Card Market Size
  • U.S. Payment Card Payment Value Trends by Network
  • Commercial Credit Cards vs. Commercial Debit Cards
  • Commercial Credit Cards, by Network
  • Commercial Debit Cards, by Network
  • U.S. ACH Commercial Payment Market Size
  • Commercial ACH Payments Value and Volume: 2012-2019
  • Same-Day ACH
  • U.S. Commercial Check Usage Trends
  • Non-U.S. Commercial Card Market Size
  • Non-U.S. Payment Card Payment Value Trends
  • Non-U.S. Commercial Credit Cards vs. Debit Cards
  • Commercial Credit Cards, by Network
  • Commercial Debit Cards, by Network
  • Non-U.S. Commercial Card Market Size: Market by Market
  • Mexico

3. Trends and Opportunities

  • Cross-Border Payment Network Innovation
  • The Old Guard: SWIFT
  • The Upstart: Ripple
  • The Future of B2B Retailer Payments Is Here
  • Extended Terms
  • Amazon Business Prime American Express Card
  • Line-Item Detail on Commercial Cards
  • Data Analytics

4. Commercial Card Network Operators

  • American Express
  • Overview
  • American Express Commercial Payments Value Proposition
  • SME Strategy
  • Large/Global Business Strategy
  • Other B2B Solutions
  • American Express Global Business Travel
  • Performance Trends
  • Billed Business by Customer Segment
  • Credit Card Loan and Charge Card Receivables Analysis
  • China UnionPay
  • Still a Monopoly, But Change (Might Be) Coming
  • Digital-Forward Moves
  • International Growth Strategies
  • Business Cards
  • B2B Cross-Border Commerce
  • International Expansion
  • Performance Trends
  • International Payment Value
  • JCB
  • International Growth Initiatives
  • Performance Trends
  • Mastercard
  • Commercial Payment Solutions
  • Growing a Diverse Suite of Multi-Rail Product Solutions
  • The Backbone: Commercial Cards
  • The New Mainstay: Data and Security Solutions
  • Real-time ACH
  • Mastercard Send
  • Mastercard Bill Pay Exchange
  • Masterpass QR
  • Mastercard B2B Hub
  • Mastercard Track
  • Performance Trends
  • Geographical Reach
  • Commercial Card Payment Value Trends
  • Visa
  • Commercial Payment Solutions
  • B2B Opportunities
  • Visa Direct
  • Earthport
  • Visa B2B Connect
  • Performance Trends
  • Co-Badging Impact

5. Specialty B2B Players

  • WEX Inc.
  • WEX Fleet Solutions
  • Performance Trends
  • WEX Travel and Corporate
  • Performance Trends
  • FLEETCOR Technologies, Inc.
  • Fleet Payment Solutions
  • Corporate Payments
  • Branching Out
  • Performance Trends

6. U.S. Commercial Card Usage Trends

  • Business Credit Card Usage
  • Business Credit Card Usage Over Time
  • Employee Business Card Usage by Company Size
  • Employee Business Card Usage by Fortune 500 Status
  • Business Purchasers

7. Appendix

  • Methodology
  • Payment Value Metrics
  • Abbreviations and Definitions
  • Definitions

List of Tables

  • Global Payment Market Size, by Payment Flow, 2017 vs. 2019 ($tril)
  • Global Payment Market Size: Payment Flow by Payment Method, 2019 ($tril)
  • Global Payment Market Size: Payment Method by Payment Flow, 2019 ($tril)
  • Global, U.S., and Non-U.S. Consumer and Commercial Payment Card Payment Value, 2014-2018 ($bil)
  • Global, U.S., and Non-U.S. Consumer and Commercial Payment Card Payment Value Share, 2014-2018 ($bil)
  • Global, U.S., and Non-U.S. Consumer and Commercial Payment Card Payment Value, 2018-2022 ($bil)
  • Global, U.S., and Non-U.S. Consumer and Commercial Payment Card Payment Value Share, 2018-2022 ($bil)
  • Global Payment Card and Commercial Payment Card Payment Value, by Network, 2014-2018 ($bil)
  • Global Payment Card and Commercial Payment Card Payment Value Share, by Network, 2014-2018 ($bil)
  • Global, the U.S. and Non-U.S. Consumer and Commercial Credit and Debit Card Payment Value, 2014-2018 ($bil)
  • U.S. Payment Market Size: Payment Flow by Payment Method, 2019 ($tril)
  • U.S. B2B Expenditures, by Major Input, 2014-2021 ($tril)
  • U.S. Payment Card and Commercial Payment Card Payment Value, by Network, 2014-2018 ($bil)
  • U.S. Payment Card Networks: Payment Card and Commercial Payment Card Value, 2014-2018 ($bil)
  • U.S. Commercial Card Payment Value: Debit Card vs. Credit Card, 2014-2018 ($bil)
  • U.S. Commercial Credit Card Payment Value, by Network, 2014-2018 ($bil)
  • U.S. Commercial Debit Card Payment Value, by Network, 2014-2018 ($bil)
  • U.S. ACH Payments Value and Volume, 2012-2019
  • U.S. ACH Payments: Total and B2B Value and Volume, 2012-2019
  • U.S. Same-Day ACH Payments Volume, 2017-2019 (mil)
  • U.S. Same-Day B2B ACH Payments Value and Volume, First Nine Months of 2018 vs. 2019
  • Non-U.S. Payment Card and Commercial Payment Card Payment Value, by Network, 2014-2018 ($bil)
  • Non-U.S. Payment Card Networks: Payment Card and Commercial Payment Card Value, 2014-2018 ($bil)
  • Non-U.S. Commercial Card Payment Value: Debit Card vs. Credit Card, 2014-2018 ($bil)
  • Non-U.S. Commercial Credit Card Payment Value, by Network, 2014-2018 ($bil)
  • Non-U.S. Commercial Debit Card Payment Value by Network, Visa vs. Mastercard, 2014-2018 ($bil)
  • Canada Total and Commercial Card Payment Value, by Network, 2016-2018
  • Mexico Credit and Debit Card Payment Value, 2016-2018 ($bil)
  • Mexico Total and Commercial Credit Card Payment Value, by Network, 2016-2018 ($bil)
  • American Express Business Customer Segmentation, 2015 vs. 2016-2018
  • American Express Non-U.S. SME Billed Business, by Country, 2016-2018 ($bil)
  • American Express Global Billed Business, by Region, 2015-2018 ($bil)
  • American Express Top International Markets: Total and SME Billed Business, 2018 ($bil)
  • American Express: Consumer vs. Commercial Card Billed Business, U.S. and Non-U.S., 2014-2018 ($bil)
  • American Express U.S. and Non-U.S. Commercial Card Billed Business: OPEN Small Business vs. Other, 2014-2018 ($bil)
  • American Express U.S. and Non-U.S. Commercial Card Billed Business: Small Business. Middle Market, and Global/Large, 2015-2018 ($bil)
  • American Express U.S. and Non-U.S. Corporate Card Member Receivables, 2015-2018 ($bil)
  • American Express U.S. and Non-U.S. Consumer, Small Business, and Corporate Card Member Receivables, 2015-2018 ($bil)
  • American Express U.S. and Non-U.S. Consumer and Small Business Card Member Loans, 2015-2018 ($bil)
  • China UnionPay, Credit Card, Debit Card and Commercial Value, 2014-2018
  • China UnionPay Total and Commercial Domestic Card Payment Value: Debit Card vs. Credit Card, 2014-2018 ($bil)
  • China UnionPay: International Cards, Merchants, ATMs and Transaction Value, 2014-2018
  • JCB Payment Value in USD and Yen, Card Members, and Merchant Locations, 2015-2019
  • JCB Payment Value and Commercial Card Payment Value, 2015-2019
  • Mastercard Multi-Layered Payments Approach, 2019
  • Mastercard Product Solutions, by Type and Payment Flow, 2019
  • Mastercard Global Payment Value and Value Share, 2014-2018 ($bil)
  • Mastercard Global Payment Value, by Region, 2014-2018 ($bil)
  • Mastercard Global and Global Commercial Payment Value, 2014-2018 ($bil)
  • Mastercard U.S. Total and Commercial Credit and Debit Payment Value, 2014-2018 ($bil)
  • Mastercard Non-U.S. Total and Commercial Credit and Debit Payment Value, 2014-2018 ($bil)
  • Visa Global Payment Value and Value Share, 2014-2018 ($bil)
  • Visa Global Payment Value, by Region, 2014-2018 ($bil)
  • Visa Global and Global Commercial Payment Value, 2014-2018 ($bil)
  • Visa U.S. Total and Commercial Credit and Debit Payment Value, 2014-2018 ($bil)
  • Visa Non-U.S. Total and Commercial Credit and Debit Payment Value, 2014-2018 ($bil)
  • Visa Non-U.S. Total and Commercial Credit and Debit Payment Value, Europe Share, 2014-2018 ($bil)
  • Visa Europe Commercial Credit and Debit Payment Value and Non-Co-Badged Payment Value, 2014-2018 ($bil)
  • WEX Inc. Fleet Solutions Vehicles Serviced, by Marketing Channel, 2014-2018
  • WEX Inc. Fleet Solutions: Fuel Transaction and Revenue Segmentation, 2014-2018
  • WEX Inc. Fleet Solutions: Payment Processing Revenue, Fuel Spend, and Gas Pricing, 2014-2018
  • WEX Inc. Fleet Solutions Issuer Payment Value, 2014-2018
  • WEX Inc. Travel and Corporate Payments Payment Value, 2014-2019 ($bil)
  • FLEETCOR Fuel Card and Corporate Payment Revenue and Per-Transaction Revenue, 2016-2018
  • FLEETCOR Universal Mastercard and Corporate Payments Payment Value, 2015-2018 ($bil)
  • Percentage of Full-Time Employed Adults 18+ Who Have a Business Credit Card, 2015-2019
  • Percentage of Full-Time Employed Adults 18+ Who Have a Business Credit Card, by Card Brand, 2015-2019
  • Percent of Employed Adults 18+ Who Have a Business Credit Card, by Company Employment Size, 2015 vs. 2019
  • Percent of Fortune 500 Employees Who Have a Business Credit Card, by Card Brand, 2015 vs. 2019
  • Business Purchasing Decision Makers, by Type of Decision Involvement, 2019
  • Business Credit Card Use: Employees Making Business Purchasing Decision, by Type of Decision Involvement, 2019
  • Business Credit Card Use: Employees Making Business Purchasing Decision, by Annual Purchase Value, 2019
  • Report Abbreviations
Note: Product cover images may vary from those shown
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  • Amazon
  • American Express
  • Bill.com
  • China UnionPay
  • Diners Club
  • Discover
  • Earthport
  • FLEETCOR Technologies Inc.
  • JCB
  • Mastercard
  • Ripple
  • SWIFT
  • Visa
  • WEX Inc.
Note: Product cover images may vary from those shown
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