B2B Payments Market Report 2026

The b2b payments market size has grown rapidly in recent years. It will grow from $1.34 trillion in 2025 to $1.47 trillion in 2026 at a compound annual growth rate (CAGR) of 10.2%. The growth in the historic period can be attributed to expansion of global trade transactions, increasing reliance on electronic fund transfers, growth of enterprise resource planning systems, rising demand for faster settlement cycles, adoption of digital invoicing practices.

The b2b payments market size is expected to see rapid growth in the next few years. It will grow to $2.18 trillion in 2030 at a compound annual growth rate (CAGR) of 10.3%. The growth in the forecast period can be attributed to increasing demand for instant cross-border payments, rising adoption of api-based payment platforms, expansion of embedded finance solutions, growing focus on payment security and compliance, increasing use of ai-driven fraud detection. Major trends in the forecast period include increasing adoption of real-time payment processing platforms, rising use of automated invoice and reconciliation systems, expansion of cross-border payment solutions, growing integration of blockchain-based payment security, enhanced focus on cash flow optimization.

The expanding e-commerce industry is expected to drive the growth of the B2B payments market in the coming years. E-commerce refers to the buying and selling of goods or services through online platforms, enabling digital transactions, payments, and interactions between businesses and consumers. Within the e-commerce ecosystem, B2B payment solutions help streamline transaction processes by enabling secure and efficient financial exchanges between businesses, strengthening trust and supporting the smooth flow of goods and services in the digital marketplace. For example, in November 2023, according to the US Census Bureau, a US-based Department of Commerce, U.S. retail e-commerce sales in the third quarter of 2023 reached an estimated $271.7 billion, representing a 0.9% (±0.4%) increase from the previous quarter. Compared with the third quarter of 2022, e-commerce sales increased by 7.8% (±1.2%), while overall retail sales rose by 2% (±0.4%) during the same period. E-commerce accounted for 14.9% of total retail sales in the third quarter of 2023. Therefore, the rapid growth of the e-commerce sector is fueling the expansion of the B2B payments market.

Companies operating in the B2B payments market are increasingly focusing on introducing innovative solutions, such as seamless payment assistance tools, to strengthen their competitive position. A seamless payment experience refers to a frictionless and intuitive transaction process that allows customers to complete payments quickly and easily without disruptions. For instance, in December 2023, Alternative Payments, a UK-based company, launched Collections Assist, a solution designed to transform accounts receivable collections for service-based businesses. This product enables companies to send overdue invoices to collections with just two clicks, significantly reducing manual effort and saving time. The platform also allows businesses to provide customers with a smooth payment experience through Alternative Payments’ branded B2B checkout interface.

In June 2025, Xero Ltd., a New Zealand-based accounting software company, acquired Melio Payments Inc. for approximately $2.5 billion. Through this acquisition, Xero sought to embed a rapidly growing B2B payments engine directly into its accounting platform, offering small and medium-sized businesses a seamless end-to-end financial workflow that combines bookkeeping, accounts payable and receivable, and payment processing. Melio Payments Inc. is a US-based B2B payments platform specializing in bill payment, accounts payable and receivable automation, and payment transfer services tailored to small and mid-sized enterprises.

Major companies operating in the b2b payments market are JPMorgan Chase & Co., Bank of America Corporation, Citigroup Inc., American Express Company, Visa Inc., Mastercard Inc., PayPal Holdings Inc., Stripe Inc., Fiserv Inc., Global Payments Inc., Worldpay Inc., Adyen N.V., Bill.com Inc., Payoneer Global Inc., Bottomline Technologies Inc., Flywire Corporation, Paystand Inc., AvidXchange Inc., Tipalti Inc., Airwallex, WePay Inc., Billtrust Holdings Inc., ACI Worldwide Inc., Capital One Financial Corporation, Block Inc., Square Inc., Ant Group Co., Wise Payments Limited, TransferWise Ltd.

Asia-Pacific was the largest region in the B2B payments market in 2025. The regions covered in the b2b payments market report are Asia-Pacific, South East Asia, Western Europe, Eastern Europe, North America, South America, Middle East, Africa. The countries covered in the b2b payments market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Taiwan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The B2B payments market includes revenues earned by entities by providing transaction processing services such as payment gateways, cash payments, payment security, bookkeeping & taxes, and record cash flow. 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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