The global market for Corporate Flows B2B Payment was estimated at US$1.2 Trillion in 2024 and is projected to reach US$1.9 Trillion by 2030, growing at a CAGR of 7.2% 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 Corporate Flows B2B Payment market.
One of the most notable shifts is the move toward real-time payments (RTP) and account-to-account (A2A) transfers, which bypass card networks and reduce transaction fees. Digital payment rails and open banking frameworks are also enabling corporates to initiate direct payments with enhanced speed and data transparency. Additionally, the demand for embedded finance solutions - where payment functionalities are integrated directly within enterprise software platforms - is rising sharply. These technologies not only support automation and fraud detection but also create a more holistic financial operations environment. The rise of AI in treasury management systems is another pivotal trend, allowing predictive analytics and automated decision-making to optimize corporate payment strategies in real time.
Service-oriented sectors like consulting, IT, and logistics require flexible invoicing and milestone-based payments. Here, platforms that offer e-invoicing, payment scheduling, and workflow automation are gaining traction. Increasingly, mid-sized enterprises are adopting B2B payment platforms that integrate seamlessly with accounting and ERP systems, enabling end-to-end visibility over payables and receivables. These platforms often include tools for cash forecasting, credit risk assessment, and supplier onboarding - key for companies with rapidly scaling operations or global footprints. Additionally, cross-border transactions are pushing corporates to move away from SWIFT-based traditional wires toward fintech solutions offering lower fees, faster settlement, and FX transparency - especially in high-growth markets in Asia, Africa, and Latin America.
Artificial intelligence and machine learning are being increasingly deployed in fraud detection, exception management, and dynamic risk scoring. These technologies can flag anomalies in vendor payments or large fund transfers, adding a layer of intelligence and security to payment approvals. Blockchain and distributed ledger technologies are also gaining traction, particularly in cross-border corporate payments and supply chain financing. By eliminating intermediaries, these platforms reduce transaction costs and enhance transparency. Additionally, the growth of virtual cards and tokenized payments is providing corporates with more secure, auditable, and configurable payment options - particularly useful in sectors with high employee spending or partner payments. Mobile-based corporate payment solutions and digital wallets are further enabling businesses to handle approvals and transactions remotely, fostering agility in a post-pandemic hybrid work environment.
Another key driver is the push for regulatory compliance and data transparency, particularly around anti-money laundering (AML), Know Your Customer (KYC), and cross-border reporting standards like ISO 20022. Corporates are adopting digital payment platforms that support embedded compliance features and streamline audit trails. Additionally, the rise of fintechs offering competitive alternatives to traditional banking - especially in areas like FX payments, invoice factoring, and real-time settlements - is forcing legacy players to modernize their offerings or partner with tech providers. The growth of embedded finance, open APIs, and Banking-as-a-Service (BaaS) platforms is empowering corporates to build custom payment ecosystems suited to their operational models. Lastly, the pandemic-induced shift to remote operations has catalyzed the demand for cloud-native, secure, and mobile-friendly payment platforms that ensure business continuity. Together, these drivers are not only expanding the market but reshaping how corporations perceive and manage B2B financial flows in the digital era.
Segments: Payment (Cross-Border Payments, Domestic Payments); Solution (Payment Gateways Solution, Payment Processors Solution, Payment Security Solution, Enterprise Resource Planning Integrated Payment Solution, Banking Solution); Organization Size (SME, Large Enterprises); Vertical (Manufacturing Vertical, Retail & ECommerce Vertical, IT & Telecommunications Vertical, Healthcare Vertical, Banking, Financial Services & Insurance Vertical, Transportation & Logistics Vertical, Energy & Utilities Vertical)
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.
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.
Corporate Flows in B2B Payments: What’s Disrupting the Traditional Transaction Landscape?
Global Corporate Flows B2B Payment Market - Key Trends & Drivers Summarized
The global B2B payments landscape is undergoing a seismic transformation, with corporate flows - comprising transactions between businesses, suppliers, and service providers - at the center of this evolution. Traditionally dominated by manual processes, legacy banking systems, and paper-based invoicing, the B2B payment ecosystem is now rapidly digitizing. Businesses are shifting toward faster, more transparent, and integrated payment infrastructures driven by the demand for real-time settlement, improved cash flow visibility, and streamlined reconciliation processes. Corporations, particularly those operating in global supply chains, are increasingly leveraging digital payment platforms, cloud-based ERPs, and Application Programming Interfaces (APIs) to orchestrate large-scale, cross-border transactions seamlessly.One of the most notable shifts is the move toward real-time payments (RTP) and account-to-account (A2A) transfers, which bypass card networks and reduce transaction fees. Digital payment rails and open banking frameworks are also enabling corporates to initiate direct payments with enhanced speed and data transparency. Additionally, the demand for embedded finance solutions - where payment functionalities are integrated directly within enterprise software platforms - is rising sharply. These technologies not only support automation and fraud detection but also create a more holistic financial operations environment. The rise of AI in treasury management systems is another pivotal trend, allowing predictive analytics and automated decision-making to optimize corporate payment strategies in real time.
How Are Use Cases and Enterprise Needs Reshaping Payment Infrastructure?
Across industries, enterprises are seeking payment solutions that enhance operational efficiency, reduce friction in vendor relationships, and align with global compliance standards. In manufacturing and retail, high-volume payments to a wide supplier base demand bulk processing capabilities, dynamic discounting, and multi-currency settlement. The finance and insurance sectors, on the other hand, prioritize security, auditability, and regulatory compliance in their payment flows, driving the adoption of blockchain and distributed ledger technologies for immutable recordkeeping and smart contract execution.Service-oriented sectors like consulting, IT, and logistics require flexible invoicing and milestone-based payments. Here, platforms that offer e-invoicing, payment scheduling, and workflow automation are gaining traction. Increasingly, mid-sized enterprises are adopting B2B payment platforms that integrate seamlessly with accounting and ERP systems, enabling end-to-end visibility over payables and receivables. These platforms often include tools for cash forecasting, credit risk assessment, and supplier onboarding - key for companies with rapidly scaling operations or global footprints. Additionally, cross-border transactions are pushing corporates to move away from SWIFT-based traditional wires toward fintech solutions offering lower fees, faster settlement, and FX transparency - especially in high-growth markets in Asia, Africa, and Latin America.
What Technological Innovations Are Accelerating the Shift in B2B Payment Dynamics?
Several breakthrough technologies are driving a wave of innovation in the B2B payment ecosystem, fundamentally altering how corporations handle monetary flows. Application Programming Interfaces (APIs) are enabling seamless integration between banking systems, ERPs, and treasury management platforms, thereby allowing real-time initiation, tracking, and reconciliation of payments. Open banking is another powerful enabler, offering corporates direct connectivity to banking data and enabling account aggregation and real-time balance checks that empower smarter financial decisions.Artificial intelligence and machine learning are being increasingly deployed in fraud detection, exception management, and dynamic risk scoring. These technologies can flag anomalies in vendor payments or large fund transfers, adding a layer of intelligence and security to payment approvals. Blockchain and distributed ledger technologies are also gaining traction, particularly in cross-border corporate payments and supply chain financing. By eliminating intermediaries, these platforms reduce transaction costs and enhance transparency. Additionally, the growth of virtual cards and tokenized payments is providing corporates with more secure, auditable, and configurable payment options - particularly useful in sectors with high employee spending or partner payments. Mobile-based corporate payment solutions and digital wallets are further enabling businesses to handle approvals and transactions remotely, fostering agility in a post-pandemic hybrid work environment.
What’s Fueling the Growth in the Global Corporate Flows B2B Payment Market?
The growth in the global corporate flows B2B payment market is driven by several factors, many of which are directly linked to evolving enterprise demands, technological progress, and regulatory evolution. A major driver is the increasing digitization of financial operations, with companies seeking real-time transaction capabilities, automated reconciliation, and centralized payment visibility to gain tighter control over working capital and liquidity. The globalization of supply chains and expansion into emerging markets have also heightened the demand for efficient, scalable, and multi-currency payment solutions, particularly for mid-sized enterprises that are scaling rapidly and require frictionless financial infrastructure.Another key driver is the push for regulatory compliance and data transparency, particularly around anti-money laundering (AML), Know Your Customer (KYC), and cross-border reporting standards like ISO 20022. Corporates are adopting digital payment platforms that support embedded compliance features and streamline audit trails. Additionally, the rise of fintechs offering competitive alternatives to traditional banking - especially in areas like FX payments, invoice factoring, and real-time settlements - is forcing legacy players to modernize their offerings or partner with tech providers. The growth of embedded finance, open APIs, and Banking-as-a-Service (BaaS) platforms is empowering corporates to build custom payment ecosystems suited to their operational models. Lastly, the pandemic-induced shift to remote operations has catalyzed the demand for cloud-native, secure, and mobile-friendly payment platforms that ensure business continuity. Together, these drivers are not only expanding the market but reshaping how corporations perceive and manage B2B financial flows in the digital era.
Report Scope
The report analyzes the Corporate Flows B2B Payment market, presented in terms of market value (US$ Thousand). The analysis covers the key segments and geographic regions outlined below.Segments: Payment (Cross-Border Payments, Domestic Payments); Solution (Payment Gateways Solution, Payment Processors Solution, Payment Security Solution, Enterprise Resource Planning Integrated Payment Solution, Banking Solution); Organization Size (SME, Large Enterprises); Vertical (Manufacturing Vertical, Retail & ECommerce Vertical, IT & Telecommunications Vertical, Healthcare Vertical, Banking, Financial Services & Insurance Vertical, Transportation & Logistics Vertical, Energy & Utilities Vertical)
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 Cross-Border Payments segment, which is expected to reach US$1.4 Trillion by 2030 with a CAGR of a 8.3%. The Domestic Payments segment is also set to grow at 4.6% CAGR over the analysis period.
- Regional Analysis: Gain insights into the U.S. market, estimated at $339.4 Billion in 2024, and China, forecasted to grow at an impressive 11.5% CAGR to reach $402.3 Billion by 2030. Discover growth trends in other key regions, including Japan, Canada, Germany, and the Asia-Pacific.
Why You Should Buy This Report:
- Detailed Market Analysis: Access a thorough analysis of the Global Corporate Flows B2B Payment Market, covering all major geographic regions and market segments.
- Competitive Insights: Get an overview of the competitive landscape, including the market presence of major players across different geographies.
- Future Trends and Drivers: Understand the key trends and drivers shaping the future of the Global Corporate Flows B2B Payment Market.
- Actionable Insights: Benefit from actionable insights that can help you identify new revenue opportunities and make strategic business decisions.
Key Questions Answered:
- How is the Global Corporate Flows B2B Payment Market expected to evolve by 2030?
- What are the main drivers and restraints affecting the market?
- Which market segments will grow the most over the forecast period?
- How will market shares for different regions and segments change by 2030?
- Who are the leading players in the market, and what are their prospects?
Report Features:
- Comprehensive Market Data: Independent analysis of annual sales and market forecasts in US$ 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 Adyen N.V., Authorize.Net (a Visa solution), AvidXchange, Inc., Bill.com Holdings, Inc., Braintree (a PayPal service) and more.
- Complimentary Updates: Receive free report updates for one year to keep you informed of the latest market developments.
Select Competitors (Total 33 Featured):
- Adyen N.V.
- Authorize.Net (a Visa solution)
- AvidXchange, Inc.
- Bill.com Holdings, Inc.
- Braintree (a PayPal service)
- Fiserv, Inc.
- Global Payments Inc.
- GoCardless Ltd.
- JPMorgan Chase & Co.
- Melio Payments Inc.
- Payoneer Inc.
- PayPal Holdings, Inc.
- Plooto Inc.
- Ramp Business Corporation
- Square, Inc.
- Stripe, Inc.
- TreviPay
- Veem Inc.
- Wise (formerly TransferWise)
- Worldpay, Inc.
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
Table of Contents
I. METHODOLOGYII. EXECUTIVE SUMMARY2. FOCUS ON SELECT PLAYERSIV. COMPETITION
1. MARKET OVERVIEW
3. MARKET TRENDS & DRIVERS
4. GLOBAL MARKET PERSPECTIVE
III. MARKET ANALYSIS
Companies Mentioned (Partial List)
A selection of companies mentioned in this report includes, but is not limited to:
- Adyen N.V.
- Authorize.Net (a Visa solution)
- AvidXchange, Inc.
- Bill.com Holdings, Inc.
- Braintree (a PayPal service)
- Fiserv, Inc.
- Global Payments Inc.
- GoCardless Ltd.
- JPMorgan Chase & Co.
- Melio Payments Inc.
- Payoneer Inc.
- PayPal Holdings, Inc.
- Plooto Inc.
- Ramp Business Corporation
- Square, Inc.
- Stripe, Inc.
- TreviPay
- Veem Inc.
- Wise (formerly TransferWise)
- Worldpay, Inc.
Table Information
| Report Attribute | Details |
|---|---|
| No. of Pages | 477 |
| Published | April 2025 |
| Forecast Period | 2024 - 2030 |
| Estimated Market Value ( USD | $ 1.2 Trillion |
| Forecasted Market Value ( USD | $ 1.9 Trillion |
| Compound Annual Growth Rate | 7.2% |
| Regions Covered | Global |
