Payables Supply Chain Finance Market Report 2026

The payables supply chain finance market size has grown strongly in recent years. It will grow from $582.26 billion in 2025 to $640.44 billion in 2026 at a compound annual growth rate (CAGR) of 10%. The growth in the historic period can be attributed to expansion of globalized supply chains, increased pressure on supplier cash flows, wider adoption of electronic invoicing, growing participation of banks in scf programs, rising use of early payment discounting.

The payables supply chain finance market size is expected to see strong growth in the next few years. It will grow to $926.88 billion in 2030 at a compound annual growth rate (CAGR) of 9.7%. The growth in the forecast period can be attributed to increasing focus on supply chain resilience, rising fintech-led scf innovation, expansion of cloud-based finance platforms, growing demand from SMEs for liquidity access, increased regulatory clarity around scf structures. Major trends in the forecast period include increasing adoption of reverse factoring programs, rising use of digital supply chain finance platforms, growing integration of automated invoice processing, expansion of buyer-led working capital optimization, enhanced focus on supplier liquidity management.

The growing adoption of digital solutions for financial transactions is expected to drive the growth of the payables supply chain finance market in the coming years. Digital solutions for financial transactions are technology-driven platforms and tools that enable secure, efficient, and seamless execution of monetary transfers through digital means. The expansion of these solutions is fueled by rising consumer demand for real-time, convenient, and easily accessible financial services across online platforms. Payables supply chain finance supports digital financial solutions by streamlining invoice processing and facilitating automated early payments, enhancing cash flow efficiency for both buyers and suppliers, and promoting transparency and financial agility across the supply chain. For example, in July 2025, according to the European Central Bank (ECB), a Germany-based supranational public institution, the total number of non-cash digital payments in the euro area increased by 8.6% to 77.6 billion transactions in the second half of 2024, compared with the same period in 2023. Therefore, the rising adoption of digital solutions for financial transactions is fueling the growth of the payables supply chain finance market.

Key players in the payables supply chain finance market are increasingly focusing on innovative solutions that promote environmental, social, and governance (ESG) goals, such as ESG-linked working capital finance, to support sustainable supply chains and respond to the rising demand for responsible corporate practices. This financing approach links a company’s access to or cost of working capital with the achievement of specific ESG performance targets, encouraging sustainable and responsible business conduct throughout the supply chain. For instance, in July 2024, Deutsche Bank AG launched BASF’s first sustainability-linked payables finance program in Asia, designed to assist BASF’s suppliers by offering better financing rates if they meet certain sustainability performance criteria. This initiative aligns with BASF’s broader ESG objectives by motivating suppliers to adopt environmentally friendly practices while optimizing working capital management across the supply chain. Through integrating sustainability incentives into payables financing, Deutsche Bank seeks to foster positive environmental outcomes alongside long-term business efficiency.

In March 2024, the African Export-Import Bank, based in Egypt, partnered with Sterling Bank Limited, a Nigerian financial services company, to launch Afreximbank Tradelink. This partnership aims to provide payables supply chain finance solutions that facilitate early payments to suppliers, improve liquidity for businesses, and increase access to affordable financing in Nigeria through a digital trade platform.

Major companies operating in the payables supply chain finance market are JPMorgan Chase & Co., Citibank N.A., Bank of America Corporation, Banco Santander S.A., HSBC Holdings plc., Wells Fargo & Company, Oracle Corporation, Deutsche Bank AG., Standard Chartered plc., FIS Global, Finastra, Infor Nexus, OpenText Business Network, ACI Worldwide Inc., Basware Corporation, Kyriba Corp., Tradeshift Holdings Inc., C2FO, SAP Taulia Inc., PrimeRevenue Inc., Orbian Management Limited, Credlix Technologies Private Limited.

North America was the largest region in the payables supply chain finance market in 2025. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in the payables supply chain finance market report are Asia-Pacific, South East Asia, Western Europe, Eastern Europe, North America, South America, Middle East, Africa. The countries covered in the payables supply chain finance market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Taiwan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The payables supply chain finance market includes revenues earned by entities through invoice discounting, payment term extensions, early payment programs, and digital platforms that facilitate buyer-supplier collaboration and transaction processing. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

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