Market Trends in Payment Gateways

The Future of Payments: A 5-Year Outlook The payments landscape is set for massive transformation over the next five years, fueled by tech leaps and shifting user needs. Real-time payments will dominate, inspired by successes like India's UPI and Brazil's PIX, offering instant, borderless transactions at minimal cost—say goodbye to waiting for "business hours." Blockchain and stablecoins will embed into core systems, unlocking tokenized assets and programmable payments that automate everything from smart contracts to personalized deals. AI, including generative models, will supercharge fraud detection, customer support, and predictive insights, with biometric and voice interfaces making things smoother and safer. Regulations will evolve, with CBDCs and digital asset rules building trust in places like the EU and US, though they might slow some innovations. Emerging markets in Asia-Pacific and Africa will boom through mobile wallets, driving inclusion for the unbanked. Yet, watch for downsides like privacy risks, cyberattacks, and uneven global rules. Ultimately, payments will shift from clunky setups to seamless, AI-driven networks, supercharging commerce while needing smart governance to handle pitfalls. Innovation will surge with embedded finance and buy-now-pay-later exploding, letting apps outside banking handle loans and payments effortlessly. Tech trends lean toward quantum-proof encryption and on-chain settlements, ditching old systems like SWIFT for instant finality. Compliance gets a boost from RegTech, automating ID checks and anti-money laundering—expect that market to hit $45 billion by 2030. New markets in developing regions will shine, with digital wallets handling over 60% of transactions by 2027. Bright sides include quicker settlements, slashed fees, and broader access; dark sides involve crypto swings, rising scams, and jobs vanishing in outdated industries. Innovations: Programmable payments and smart contracts for automated, tailored transactions; crypto wallets edging out credit cards with no middlemen. Regulatory Changes: Tougher CBDC rules in the UK and EU, plus fraud protection schemes for safer spaces; clearer global digital asset guidelines by 2026. Technology Trends: AI spotting fraud in real-time; blockchain for tokenized money and multi-bank networks, enabling same-day settlements. Compliance Shifts: Self-hosted gateways for better control; RegTech tools tackling AML in risky areas like online gaming. New Markets: Asia-Pacific leading with mobile payments; Africa and Latin America using stablecoins to reach the unbanked. Overall Trends: Cash and cards fading; rise of interest-earning tokens and voice payments for ease. Positives: Lightning-fast global transfers, near-zero costs, stronger security, and inclusion for billions worldwide. Negatives: Privacy worries with trackable money; regulatory roadblocks; bigger cyber threats in decentralized setups.

Merchant acquirers are behind every card payment. But unlike banks or card brands, they get far less visibility. Here's my take on the European landscape. A merchant acquirer enables businesses to accept card payments from customers. They process transactions, settle funds, and handle the connection to card networks. In Europe, acquirers typically operate under one of two PSD2-regulated licenses: • As an authorized payment or e-money institution • As a credit institution (i.e., a bank) 𝗖𝗼𝗺𝗽𝗲𝘁𝗶𝘁𝗶𝗼𝗻 𝗮𝗻𝗮𝗹𝘆𝘀𝗶𝘀: 𝟭.𝗪𝗼𝗿𝗹𝗱𝗽𝗮𝘆 has global scale and strong enterprise and omnichannel capabilities. Privately owned, it's expanding internationally and serving large, complex merchants. Set to be acquired by Global Payments in 2026. 𝟮. 𝗡𝗲𝘅𝗶 is Europe’s top consolidator, integrating major acquisitions (Nets, SIA) while focusing on local expertise and deep bank relationships. 𝟯. 𝗙𝗶𝘀𝗲𝗿𝘃 combines US scale with global reach. It leverages its Clover platform and bank ties to deliver end-to-end commerce solutions. 𝟰. 𝗔𝗱𝘆𝗲𝗻 redefined acquiring with a developer-first, API-native model. Its single tech stack powers global platforms like Uber and Spotify. 𝟱. 𝗕𝗮𝗿𝗰𝗹𝗮𝘆𝘀 uses its universal banking position to support acquiring, cross-selling to merchants and embedding finance across its UK base. 𝟲. 𝗪𝗼𝗿𝗹𝗱𝗹𝗶𝗻𝗲 is Europe-focused, with strength in public sector and regulated verticals. Post-Ingenico, it’s expanding multi-country reach. 𝟳. 𝗚𝗹𝗼𝗯𝗮𝗹 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀 has a strong omnichannel presence, serving enterprises with integrated commerce. Its Worldpay acquisition will make it Europe’s largest acquirer. 𝟴. 𝗝.𝗣. 𝗠𝗼𝗿𝗴𝗮𝗻 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀 is gaining ground as a premium institutional-grade acquirer, embedding acquiring into treasury and cash management services. 𝗧𝗿𝗲𝗻𝗱𝘀: - Shrinking margins: Interchange fee regulation, competitive pricing, and rising compliance costs are putting pressure on profitability. - Alternative rails: Open Banking and A2A payments are maturing fast, promising lower-cost alternatives to cards - especially in e-commerce and bill payments. - Embedded finance: Merchants increasingly expect acquiring to come bundled with value-added services - lending, payouts, loyalty - not just payment processing. - Tech debt: Legacy acquirers face challenges modernizing infrastructure while competing with tech-native players like Adyen or Stripe. - Regulation: PSD3, AML upgrades, and data protection rules are adding pressure, especially on KYC, onboarding, and cross-border flows. - M&A Integration: Several players are still digesting mega-mergers, risking delays in platform unification and operational efficiency. Opinions: my own, Trx. volume source: 2025 Nilson Report 𝐒𝐮𝐛𝐬𝐜𝐫𝐢𝐛𝐞 𝐭𝐨 𝐦𝐲 𝐧𝐞𝐰𝐬𝐥𝐞𝐭𝐭𝐞𝐫: https://lnkd.in/dkqhnxdg

The Global Payments Report 2024 Consumers have more payment options than ever before and it is the choices they make that drive the payment landscape. Explore this new choice era in the 9th edition of Worldpay's Global Payments Report, your expert guide to payments across 40 markets. Understand how consumer choices become trends and understand what these trends mean for the future of your business. 1 ) A2A Payment - Despite increasing dominance in markets like Brazil and India, A2A remains challenged in card-heavy markets such as the UK and USA. A2A’s lower cost of payment acceptance makes it popular with merchants. 2) Buy Now Pay Later (BNPL) Companies faced well-documented headwinds in 2023 including rising interest rates, looming regulation and souring investor sentiment. Consumers countered those headwinds by choosing BNPL more than ever. 3) Global E-Com Global e-commerce surpassed $6.1 trillion in 2023 and is growing at more than twice the rate of global POS value. E-com growth is projected for 9% CAGR (versus 4% for POS) through 2027. 4) Cash vs Digital Although cash fell -8% globally in 2023 and is expected to decline at -6% CAGR through to 2027, it remains relevant amid economic uncertainty. It is still a vital payments tool for billions of consumers. In 2023, cash accounted for 16% ($6 trillion) of global transaction value, including double-digit share in 30 of 40 markets in this report. 5) Prepaid Card Prepaid cards will exceed $1 trillion in global transaction value. Versatility drives prepaid cards’ success: as gift cards, reloadable stored value cards, for payroll, business-to-consumer payments and as government benefits. 6) PostPay Although it remains popular in cash-heavy LATAM and Japan, where it accounted for 5% of e-commerce transaction value in 2023, an upturn in financial inclusion and overall shift away from cash is signalling post-pay’s sunset. 7) Digital Wallets - Digital wallets are the most popular and the fastest-growing payment method globally, however consumers shop. In 2023, they accounted for 50% of global e-com spend (> $3.1T) and 30% of global POS spend (> $10.8T). 8) Card Vs Digital Payment Consumers turning to digital wallets isn’t a turn away from cards. In card-dominated markets, card spend is simply shifting to “pass-through” and “staged” digital wallets like Apple Pay, Google Pay and PayPal. Taken as a whole, card transaction values are at an all-time high and continue to rise. Feon Ang 洪雍华 | Sopnendu Mohanty | Navin Suri   | Oliver Turn | Tony Moroney | Theodora Lau Chris Gledhill   | Linas Beliūnas  | Bradley Leimer  | Huy NGUYEN TRIEU | Arjun Vir Singh   | Umar Farooq | Paolo Sironi | Chia Hock Lai 谢福来, CFtP | Tony Craddock | Dr. Martha Boeckenfeld | | Panagiotis Kriaris |Spiros Margaris | Dr Ritesh Jain   | Tamara McCleary  |Francesco Burelli | Ram Rastogi 🇮🇳 | Abhishant Pant  |Victor Yaromin | Sam Boboev | Nicolas Pinto 

The US Payment Ecosystem is evolving, becoming “digital-first” and “consumer-centric”👇 The approach taken by U.S. financial institutions and organizations as a whole has evolved with digitalization being at the center: 🔸Digital as a Channel: Organizations offered digital technology to extend capabilities, but still largely the same, traditional payments models 🔸Digital as a Feature: Digital functionality becomes more synchronized and less siloed with more advanced changes to payments models 🔸Digital as a Foundation: Digital technology is no longer part of payments but rather has become fundamental to payments models There are 4 major emerging trends presenting challenges and creating opportunities in the U.S. payment ecosystem: 🔸Consumer Preference and Necessity 🔸Digital Identify is Integral 🔸Next-Gen money-moving technologies and digital currencies (including #FedNow) 🔸Innovation is outpacing new regulation Over the past couple of years, consumers needs and preferences, in the region, have driven the demand for Real Time Payments (#RTP) or instant bank transfers. Real-time payments (RTP) is poised to transform payments processing from a commoditized service into a strategic imperative. Global market size, valued at $13.5 billion in 2021, is expected to increase at a compound annual growth rate (CAGR) of 34.9% from 2022 to 2030.1. In the United States, RTP is seeing significant year-over-year growth of 69%.2. The rise in #RTP can be attributed to: 🔸Strong demand for quicker payment settlements by merchants 🔸Global proliferation of smartphones driving increased person-toperson (P2P) activity 🔸Evolution of P2P products into business-to-consumer (B2C) transactions 🔸Adoption of cloud-based solutions for faster payments, as well as more recent pandemic-related health and economic pressures. Venmo and Zelle® historically focused on P2P solutions, with now RTP moving onto B2C and B2B. Today, consumers use various channels to pay for their everyday purchases without realizing it anymore. The diversity of payment options and unification of user-experiences across channels is a must to satisfy consumers: 🔸Pay by App (orders Starbucks coffee) 🔸Buy Now Pay Later (purchase of TV Best Buy and pays in installments) 🔸Point-of-Sale (buys lunch at Chipotle Mexican Grill) 🔸Pay by App (orders an Uber) 🔸Bill Pay Split (Split utilities bills on Con Edison) Let’s not forget the impact and importance of both digital-currencies and digital identify related to identification as major topics as well. The U.S. Market is evolving, still far behind APAC where cash is now rare. My take, FedNow will help with that digital growth 🚀 ----- Hit the 🔔 on my LinkedIn to stay updated with the latest Payment & Sustainability Initiatives 👇 ✍️ Don't be shy, comment! 📲 Sharing is caring, right? 📩 Anything you want to learn more about, DM me! #uspayments #innovation #apms #globalpayments #payments #technology

The Future of Payments Is Here—And It’s Moving Fast Among the many topics I’ve been passionate about, one that’s fascinated me for a long time is how quickly payments are evolving. Even with all my experience, partnering with the latest numbers from the Worldpay Global Payments Report 2025 made me reflect on how much has changed—and wonder where the future of payments is heading. Here are just a few of the emerging trends as outlined by the report that stood out to me: ➡️ Mobile is taking over. In 2024, 57% of global e-commerce value was through mobile. By 2030, that’s set to rise to 64%. This isn’t just a trend—it’s a total shift in behavior, and it’s happening fast. ➡️ Digital wallets are winning. Convenience is king. In India, 76% of online transaction value is via digital wallets. From ease of use to security, it’s clear why this payment method is becoming the go-to worldwide. ➡️ Subscriptions are reshaping spending. 76% of U.S. consumers now use subscription services. From entertainment to software, this model is redefining how we think about access and ownership. ➡️ Crypto adoption? Still TBD. 51% of consumers say they’d consider using crypto for digital content payments. The question is: Will 2025 be the year we see broader adoption? ➡️ AI and contactless payments are making it effortless. In some places, a phone—or even a biometric scan—is all you need to make a transaction. It’s frictionless and future-ready. ➡️ Seamless travel payments are on the rise. Imagine booking, and paying—all in one smooth, uninterrupted flow. Airlines are bringing this vision closer to reality. ➡️ Account-to-account (A2A) payments are gaining momentum. A2A e-com payment value in Brazil jumped from $1 billion in 2014 to $35 billion in 2024 ➡️ Retailers are redefining the checkout experience. From augmented reality to instant refunds to checkout-free stores, the way we shop is becoming faster and more immersive than ever. The bottom line? This isn’t just about what we pay with—it’s about how payment experiences are evolving across industries and geographies. Discover more insights in the full report—find the link in the comments below! #GPR2025 #WorldpayInsights #FinTech #worldpay #digitalpayments #ad