The global embedded payment market size was estimated at USD 39.14 billion in 2025, and is projected to reach USD 430.29 billion by 2033, growing at a CAGR of 35.5% from 2026 to 2033. Embedded payments are driven by the demand for seamless, in-platform checkout experiences that allow users to complete transactions without leaving the application or service.
It reduces payment friction, improves convenience, and increases transaction completion rates for businesses. The growing use of digital platforms is a major driving factor for the adoption of embedded payments. Embedded payment solutions allow businesses to integrate payment solutions directly into their platforms, enabling customers to complete transactions without leaving the application or website. Integration helps companies simplify the payment process and provide a more convenient user experience. In addition, the increasing use of online marketplaces, e-commerce platforms, and digital service applications is further supporting the growth of embedded payment solutions.
Customers are increasingly using digital wallets and mobile payment applications to make transactions more quickly and conveniently. Digital wallets such as Apple Pay, Google Wallet, Samsung Pay, and PayPal allow users to store payment details on their smartphones and complete payments through contactless methods. These wallets use technologies such as tokenization and biometric authentication to improve security and protect sensitive financial information. Furthermore, innovation by fintech companies, such as virtual cards, integrated loyalty programs, and buy now, pay later services are encouraging businesses to embed digital wallet payments into their platforms, creating more convenient and seamless payment experiences for customers.
The investment highlights the increasing demand for embedded payments and digital commerce solutions, as businesses across industries seek seamless, integrated financial technology. For instance, in March 2025, Audax Private Equity and Lovell Minnick Partners made a strategic investment in Fortis to support its future growth. Fortis provides embedded payment solutions that help businesses add payment capabilities directly into their software and platforms. With this investment, Fortis will be able to expand its technology, strengthen its product offerings, and scale its services for software companies and merchants. Moreover, the investment aims to help Fortis grow faster and support more businesses with integrated, easy-to-use payment solutions.
The regulatory environment around as payment credentials are embedded into apps, websites, and software, sensitive financial data is handled, making adherence to PSD2, PCI DSS, AML/KYC, and GDPR essential. In addition, many platforms rely on licensed payment providers or orchestration platforms to meet regulatory requirements, creating a shared-responsibility model in which the providers manage settlement, fraud prevention, and reporting. Secure, scalable, and integrated payment solutions are encouraged to accelerate adoption and expand the embedded payments market across sectors.
Despite strong growth prospects, the market faces several constraints. Embedded payment transactions involve the transfer of financial data across multiple stakeholders, including apps, banks, and payment processors, increasing exposure to cybersecurity threats. Furthermore, non-financial platforms, such as e-commerce and ride-hailing applications, often operate with less robust security frameworks than traditional banks, making them more vulnerable to breaches. Such incidents can compromise sensitive financial information and create risks across the broader ecosystem of users and partners.
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It reduces payment friction, improves convenience, and increases transaction completion rates for businesses. The growing use of digital platforms is a major driving factor for the adoption of embedded payments. Embedded payment solutions allow businesses to integrate payment solutions directly into their platforms, enabling customers to complete transactions without leaving the application or website. Integration helps companies simplify the payment process and provide a more convenient user experience. In addition, the increasing use of online marketplaces, e-commerce platforms, and digital service applications is further supporting the growth of embedded payment solutions.
Customers are increasingly using digital wallets and mobile payment applications to make transactions more quickly and conveniently. Digital wallets such as Apple Pay, Google Wallet, Samsung Pay, and PayPal allow users to store payment details on their smartphones and complete payments through contactless methods. These wallets use technologies such as tokenization and biometric authentication to improve security and protect sensitive financial information. Furthermore, innovation by fintech companies, such as virtual cards, integrated loyalty programs, and buy now, pay later services are encouraging businesses to embed digital wallet payments into their platforms, creating more convenient and seamless payment experiences for customers.
The investment highlights the increasing demand for embedded payments and digital commerce solutions, as businesses across industries seek seamless, integrated financial technology. For instance, in March 2025, Audax Private Equity and Lovell Minnick Partners made a strategic investment in Fortis to support its future growth. Fortis provides embedded payment solutions that help businesses add payment capabilities directly into their software and platforms. With this investment, Fortis will be able to expand its technology, strengthen its product offerings, and scale its services for software companies and merchants. Moreover, the investment aims to help Fortis grow faster and support more businesses with integrated, easy-to-use payment solutions.
The regulatory environment around as payment credentials are embedded into apps, websites, and software, sensitive financial data is handled, making adherence to PSD2, PCI DSS, AML/KYC, and GDPR essential. In addition, many platforms rely on licensed payment providers or orchestration platforms to meet regulatory requirements, creating a shared-responsibility model in which the providers manage settlement, fraud prevention, and reporting. Secure, scalable, and integrated payment solutions are encouraged to accelerate adoption and expand the embedded payments market across sectors.
Despite strong growth prospects, the market faces several constraints. Embedded payment transactions involve the transfer of financial data across multiple stakeholders, including apps, banks, and payment processors, increasing exposure to cybersecurity threats. Furthermore, non-financial platforms, such as e-commerce and ride-hailing applications, often operate with less robust security frameworks than traditional banks, making them more vulnerable to breaches. Such incidents can compromise sensitive financial information and create risks across the broader ecosystem of users and partners.
Global Embedded Payment Market Report Segmentation
This report forecasts revenue growth at global, regional, and country levels and provides an analysis of the latest industry trends in each of the sub-segments from 2021 to 2033. For this study, the analyst has segmented the global embedded payment market report based on payment, deployment model, payment method, industry vertical, and region:Payment Outlook (Revenue, USD Billion, 2021-2033)
- In-app Payments
- API-based Payments
- Platform Integrated Payments
- Software-as-a-Service (SaaS) Payments
- Marketplace Payments
Deployment Model Outlook (Revenue, USD Billion, 2021-2033)
- On-Premise
- Cloud
Payment Method Outlook (Revenue, USD Billion, 2021-2033)
- Digital Wallets
- Credit/Debit Cards
- Bank transfers
- Mobile payments
Industry Vertical Outlook (Revenue, USD Billion, 2021-2033)
- E-commerce
- Healthcare
- Financial Services
- Retail
- Hospitality
- Transportation & Logistics
- Others
Regional Outlook (Revenue, USD Billion, 2021-2033)
- North America
- U.S.
- Canada
- Mexico
- Europe
- Germany
- UK
- France
- Spain
- Asia Pacific
- China
- Japan
- India
- South Korea
- Australia
- Latin America
- Brazil
- Middle East and Africa (MEA)
- KSA
- UAE
- South Africa
Why should you buy this report?
- Comprehensive Market Analysis: Gain detailed insights into the market across major regions and segments.
- Competitive Landscape: Explore the market presence of key players.
- Future Trends: Discover the pivotal trends and drivers shaping the future of the market.
- Actionable Recommendations: Utilize insights to uncover new revenue streams and guide strategic business decisions.
This report addresses:
- Market intelligence to enable effective decision-making
- Market estimates and forecasts from 2018 to 2030
- Growth opportunities and trend analyses
- Segment and regional revenue forecasts for market assessment
- Competition strategy and market share analysis
- Product innovation listings for you to stay ahead of the curve
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Table of Contents
Chapter 1. Methodology and Scope
Chapter 2. Executive Summary
Chapter 3. Embedded Payment Market Variables, Trends, & Scope
Chapter 4. Embedded Payment Market: Payment Estimates & Trend Analysis
Chapter 5. Embedded Payment Market: Deployment Model Estimates & Trend Analysis
Chapter 6. Embedded Payment Market: Payment Method Estimates & Trend Analysis
Chapter 7. Embedded Payment Market: Industry Vertical Estimates & Trend Analysis
Chapter 8. Embedded Payment Market: Regional Estimates & Trend Analysis
Chapter 9. Competitive Landscape
List of Tables
List of Figures
Companies Mentioned
- Adyen.
- Braintree
- Stripe
- Rapyd Financial Network Ltd
- Mangopay
- Dwolla
- Worldplay.
- Plaid Inc.
- Marqeta.
- Finix Payments, Inc.
