2025年全球支付报告（第十版）（英）

Thepast,presentandfutureof consumer payments Thepast, presentandfuture Europe market guides82 Introduction: The past, present andfuture of consumer payments6 Latin America market guides116 of consumer payments Middle East and Africamarket guides134 Global payment methods,past, present and future8 North America market guides148 Key findings12 Payment terms156 Vertical perspectives34 Methodology160 Asia-Pacific market guides48 © 2025 Worldpay, LLC. Worldpay® and any associated brand names/logos are thetrademarks of Worldpay, LLC and/or its affiliates. All other trademarks are propertyof their respective owners. This report is copyrighted material of Worldpay, LLC. The reportcannot be shared or forwarded in its entirety without writtenconsent from Worldpay. The report may be cited, as long as it isattributed to “Worldpay Global Payments Report 2025.” 12 3A decade of nonstoppayment innovation Fintechs driveinnovation Digital paymentsflip the script 45 6Resistance to thecashless society Cards are asrelevant as ever There’s anapp for that Paymentsin real time Financial technology giants like Alibaba, Apple,Klarna and Mercado Libre altered the paymentsparadigm with digital wallets and buy now pay later,forcing payment providers to innovate. In the 10 years since the first GPR in 2015, digitalpayments — digital wallets, account-to-account,buy now pay later and cryptocurrencies — stole thecrown from cash and cards. Cash’s share of global POS payment valuefell by nearly two-thirds in 10 years. Aftera hard fall, though, it often finds a soft landingwith customers. The smartphone evolved to be thecommand center of consumer shopping,changing the way we transact forever. From BLIK in Poland to UPI in India and Pixin Brazil, real-time account-to-accountpayments, or A2A, emerged as criticalinfrastructure for consumer payments. Digital payment innovators and regulatorypressures threaten the card industry. Yet cardshave withstood those pressures and are asrelevant as ever. Used directly and from within digital wallets,we forecast cards will account for 56% ofglobal consumer payment value in 2030,or roughly $32.5 trillion. Globally, cash fell from 44% ofPOS value in 2014 to 15% in 2024. Global A2A value is forecast to near$3.8 trillion by 2030. Digital payments grew from 34% of e-commercevalue in 2014 to 66% in 2024, precisely reversingshares with cash and cards. Digital wallet value grew ~10X from$1.6 trillion in 2014 to $15.7 trillion in 2024. Mobile’s share of global e-commercetripled from 19% in 2014 to 57% in 2024. Driven by Pix, A2A e-com payment valuein Brazil jumped from $1 billion in 2014to $35 billion in 2024. The value of global e-com transactionsgrew more than sixfold from 2014 to 2024. BNPL e-com value grew from$2.3 billion in 2014 to $342 billion in 2024. Cash use will continue to decline ata modest 2% CAGR from 2024 to 2030. Digital payments grew from 3% of global in-personshopping value in 2014 to 38% in 2024. The card industry responded with innovations likeClick to Pay, the Visa Flexible Credential and Paze. We forecast that digital payments* will accountfor 79% of global e-commerce value in 2030. Globally, digital payments are projected toaccount for $8.6 trillion in online spend by 2030.79% The past, presentand future ofpayment innovation When Worldpay® published its firstGlobal Payments Report (GPR) in 2015,we classified consumer payments aseither dominant traditional methods— cash and cards — or “alternative”payment methods like digital walletsand buy now pay later. These “APMs”offered fast, safe and easy paymentexperiences to meet rising consumerexpectations for more convenientonline shopping. Payment landscapes are changing fastand what were referred to as “alternative”payments now account for most onlinespending globally. Today, we call paymentsthat rose to prominence in the age ofe-commerce simply “digital payments.” Today, digital payments dominate online and areprojected to reign in store by 2030. They haveflipped the script with physical cards and cash,rising from 34% of global e-com value in 2014 to66% in 2024. The transformation is even morepronounced in store, with digital payments’ sharegrowing from 3% of global transaction value in 2014to 38% in 2024. To mark this 10th Global Payments Report, we’vetaken a wide look at the (recent) past, present andfuture of consumer payments. We reflect on thejourney so far, assess payment methods in 40 keyglobal markets and forecast the landscapes wemight see in 2030. We’ve seen instant payment systems like UPI inIndia, Pix in Brazil and PayNow in Singapore rise toprominence. The next would-be disruptors includeFedNow, Paze and Wero. Worldpay created the GPR to help merchantsnavigate this rapidly evolving landscape.Digital payment transformation was alreadyunderway in 2014. Fintech innovators likeAlipay, Mercado Pago and PayPal had at leasta decade’s head start. More recent entrantslike Klarna, Grab Pay and We