Electronic Bill Presentment and Payment Market Report 2026

The electronic bill presentment and payment market size has grown rapidly in recent years. It will grow from $30.1 billion in 2025 to $34.03 billion in 2026 at a compound annual growth rate (CAGR) of 13.1%. The growth in the historic period can be attributed to growth in digital banking adoption, increasing volume of recurring bill payments, expansion of e-commerce and online services, rising demand for automated billing solutions, early adoption of online payment gateways.

The electronic bill presentment and payment market size is expected to see rapid growth in the next few years. It will grow to $55.03 billion in 2030 at a compound annual growth rate (CAGR) of 12.8%. The growth in the forecast period can be attributed to increasing integration of ai-based billing analytics, rising demand for instant and mobile payments, expansion of blockchain-enabled billing systems, growing regulatory focus on secure digital transactions, increasing adoption across public sector billing. Major trends in the forecast period include increasing adoption of cloud-based billing platforms, rising integration of real-time payment tracking, expansion of multi-channel digital payment options, growing focus on paperless billing systems, enhanced emphasis on data security and compliance.

The growing adoption of digital payment solutions is expected to drive the expansion of the electronic bill presentment and payment market in the coming years. Digital payment solutions are electronic methods and platforms that enable money transfers between parties without the use of physical cash. The increase in digital payment solutions is fueled by rising smartphone and internet penetration, making electronic transactions more accessible and convenient for users. Electronic bill presentment and payment streamline financial workflows by providing secure digital invoice delivery and online payment options. This reduces manual processing, accelerates payment cycles, and enhances convenience for both businesses and customers. For example, in January 2024, the European Central Bank reported that contactless card payments in Germany increased by 24.3% to 20.9 billion in 2023 compared to 2022. Consequently, the rising adoption of digital payment solutions is propelling the growth of the electronic bill presentment and payment market.

Major companies operating in the electronic bill presentment and payment market are concentrating on building advanced AI-powered functionalities, including generative AI and agentic automation, to enhance workflow efficiency, reduce manual intervention, and improve the overall digital payment experience. AI-driven billing automation encompasses intelligent technological solutions that simplify complex processes, such as report creation, payment handling, and customer service interactions, enabling organizations to function with higher speed, precision, and responsiveness. For example, in May 2025, InvoiceCloud, Inc., a US-based provider of online billing and payment solutions, launched a range of new AI initiatives integrated into its electronic bill presentment and payment platform, aimed at making billing and payment processes smarter and more efficient. These improvements include a natural language-enabled report builder that allows billers to generate comprehensive reports instantly using simple text prompts, as well as AI-driven agentic tools that automate payment-related tasks and proactively manage customer inquiries. Designed to enhance accuracy and streamline daily operations, these features improve workflow efficiency and elevate user experience, supporting quicker decision-making and more seamless digital payment interactions across the EBPP ecosystem.

In July 2024, Serrala Group acquired Payference Inc. to strengthen its cloud-based finance automation suite. This acquisition enhances accounts receivable capabilities and brings Serrala closer to offering a fully integrated platform for automating accounts receivable, accounts payable, and payments, supporting CFOs in streamlining financial operations and improving efficiency.

Major companies operating in the electronic bill presentment and payment market are Oracle Corporation, SAP SE, PayPal Holdings Inc., Mastercard Incorporated, Fiserv Inc., Fidelity National Information Services Inc., Broadridge Financial Solutions Inc., Jack Henry & Associates Inc., BTRS Holdings Inc., Temenos AG, CyberSource Corporation, Paymentus Holdings Inc., Bottomline Technologies Inc., Striata, Pagero AB, ACI Worldwide Inc., Enterprise jBilling Software Ltd., Jopari Solutions Inc., MaxBill s.r.o., AMCS Group, MuniBilling.

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

The electronic bill presentment and payment market consists of revenues earned by entities by providing services such as electronic bill creation, bill delivery, payment processing, real-time data synchronization, and integration with external financial systems. The market value includes the value of related goods sold by the service provider or included within the service offering. The electronic bill presentment and payment market also includes sales of electronic bill presentment software platforms, web-based billing applications, mobile billing applications, custom billing solutions, and embedded payment modules. Values in this market are ‘factory gate’ values, that is, the value of goods sold by the manufacturers or creators of the goods, whether to other entities (including downstream manufacturers, wholesalers, distributors, and retailers) or directly to end customers. The value of goods in this market includes related services sold by the creators of the goods.

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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