Corporate Flows B2B Payment

Global Corporate Flows B2B Payment Market to Reach US$1.9 Trillion by 2030

The global market for Corporate Flows B2B Payment estimated at US$1.2 Trillion in the year 2024, is expected to reach US$1.9 Trillion by 2030, growing at a CAGR of 7.2% over the analysis period 2024-2030. Cross-Border Payments, one of the segments analyzed in the report, is expected to record a 8.3% CAGR and reach US$1.4 Trillion by the end of the analysis period. Growth in the Domestic Payments segment is estimated at 4.6% CAGR over the analysis period.

The U.S. Market is Estimated at US$339.4 Billion While China is Forecast to Grow at 11.5% CAGR

The Corporate Flows B2B Payment market in the U.S. is estimated at US$339.4 Billion in the year 2024. China, the world`s second largest economy, is forecast to reach a projected market size of US$402.3 Billion by the year 2030 trailing a CAGR of 11.5% over the analysis period 2024-2030. Among the other noteworthy geographic markets are Japan and Canada, each forecast to grow at a CAGR of 3.5% and 7.0% respectively over the analysis period. Within Europe, Germany is forecast to grow at approximately 4.8% CAGR.

Corporate Flows in B2B Payments: What’s Disrupting the Traditional Transaction Landscape?

Global Corporate Flows B2B Payment Market – Key Trends & Drivers Summarized

The global B2B payments landscape is undergoing a seismic transformation, with corporate flows—comprising transactions between businesses, suppliers, and service providers—at the center of this evolution. Traditionally dominated by manual processes, legacy banking systems, and paper-based invoicing, the B2B payment ecosystem is now rapidly digitizing. Businesses are shifting toward faster, more transparent, and integrated payment infrastructures driven by the demand for real-time settlement, improved cash flow visibility, and streamlined reconciliation processes. Corporations, particularly those operating in global supply chains, are increasingly leveraging digital payment platforms, cloud-based ERPs, and Application Programming Interfaces (APIs) to orchestrate large-scale, cross-border transactions seamlessly.

One of the most notable shifts is the move toward real-time payments (RTP) and account-to-account (A2A) transfers, which bypass card networks and reduce transaction fees. Digital payment rails and open banking frameworks are also enabling corporates to initiate direct payments with enhanced speed and data transparency. Additionally, the demand for embedded finance solutions—where payment functionalities are integrated directly within enterprise software platforms—is rising sharply. These technologies not only support automation and fraud detection but also create a more holistic financial operations environment. The rise of AI in treasury management systems is another pivotal trend, allowing predictive analytics and automated decision-making to optimize corporate payment strategies in real time.

How Are Use Cases and Enterprise Needs Reshaping Payment Infrastructure?

Across industries, enterprises are seeking payment solutions that enhance operational efficiency, reduce friction in vendor relationships, and align with global compliance standards. In manufacturing and retail, high-volume payments to a wide supplier base demand bulk processing capabilities, dynamic discounting, and multi-currency settlement. The finance and insurance sectors, on the other hand, prioritize security, auditability, and regulatory compliance in their payment flows, driving the adoption of blockchain and distributed ledger technologies for immutable recordkeeping and smart contract execution.

Service-oriented sectors like consulting, IT, and logistics require flexible invoicing and milestone-based payments. Here, platforms that offer e-invoicing, payment scheduling, and workflow automation are gaining traction. Increasingly, mid-sized enterprises are adopting B2B payment platforms that integrate seamlessly with accounting and ERP systems, enabling end-to-end visibility over payables and receivables. These platforms often include tools for cash forecasting, credit risk assessment, and supplier onboarding—key for companies with rapidly scaling operations or global footprints. Additionally, cross-border transactions are pushing corporates to move away from SWIFT-based traditional wires toward fintech solutions offering lower fees, faster settlement, and FX transparency—especially in high-growth markets in Asia, Africa, and Latin America.

What Technological Innovations Are Accelerating the Shift in B2B Payment Dynamics?

Several breakthrough technologies are driving a wave of innovation in the B2B payment ecosystem, fundamentally altering how corporations handle monetary flows. Application Programming Interfaces (APIs) are enabling seamless integration between banking systems, ERPs, and treasury management platforms, thereby allowing real-time initiation, tracking, and reconciliation of payments. Open banking is another powerful enabler, offering corporates direct connectivity to banking data and enabling account aggregation and real-time balance checks that empower smarter financial decisions.

Artificial intelligence and machine learning are being increasingly deployed in fraud detection, exception management, and dynamic risk scoring. These technologies can flag anomalies in vendor payments or large fund transfers, adding a layer of intelligence and security to payment approvals. Blockchain and distributed ledger technologies are also gaining traction, particularly in cross-border corporate payments and supply chain financing. By eliminating intermediaries, these platforms reduce transaction costs and enhance transparency. Additionally, the growth of virtual cards and tokenized payments is providing corporates with more secure, auditable, and configurable payment options—particularly useful in sectors with high employee spending or partner payments. Mobile-based corporate payment solutions and digital wallets are further enabling businesses to handle approvals and transactions remotely, fostering agility in a post-pandemic hybrid work environment.

What’s Fueling the Growth in the Global Corporate Flows B2B Payment Market?

The growth in the global corporate flows B2B payment market is driven by several factors, many of which are directly linked to evolving enterprise demands, technological progress, and regulatory evolution. A major driver is the increasing digitization of financial operations, with companies seeking real-time transaction capabilities, automated reconciliation, and centralized payment visibility to gain tighter control over working capital and liquidity. The globalization of supply chains and expansion into emerging markets have also heightened the demand for efficient, scalable, and multi-currency payment solutions, particularly for mid-sized enterprises that are scaling rapidly and require frictionless financial infrastructure.

Another key driver is the push for regulatory compliance and data transparency, particularly around anti-money laundering (AML), Know Your Customer (KYC), and cross-border reporting standards like ISO 20022. Corporates are adopting digital payment platforms that support embedded compliance features and streamline audit trails. Additionally, the rise of fintechs offering competitive alternatives to traditional banking—especially in areas like FX payments, invoice factoring, and real-time settlements—is forcing legacy players to modernize their offerings or partner with tech providers. The growth of embedded finance, open APIs, and Banking-as-a-Service (BaaS) platforms is empowering corporates to build custom payment ecosystems suited to their operational models. Lastly, the pandemic-induced shift to remote operations has catalyzed the demand for cloud-native, secure, and mobile-friendly payment platforms that ensure business continuity. Together, these drivers are not only expanding the market but reshaping how corporations perceive and manage B2B financial flows in the digital era.

SCOPE OF STUDY:

The report analyzes the Corporate Flows B2B Payment market in terms of units by the following Segments, and Geographic Regions/Countries:

Segments:
Payment (Cross-Border Payments, Domestic Payments); Solution (Payment Gateways Solution, Payment Processors Solution, Payment Security Solution, Enterprise Resource Planning Integrated Payment Solution, Banking Solution); Organization Size (SME, Large Enterprises); Vertical (Manufacturing Vertical, Retail & ECommerce Vertical, IT & Telecommunications Vertical, Healthcare Vertical, Banking, Financial Services & Insurance Vertical, Transportation & Logistics Vertical, Energy & Utilities Vertical)

Geographic Regions/Countries:
World; United States; Canada; Japan; China; Europe (France; Germany; Italy; United Kingdom; Spain; Russia; and Rest of Europe); Asia-Pacific (Australia; India; South Korea; and Rest of Asia-Pacific); Latin America (Argentina; Brazil; Mexico; and Rest of Latin America); Middle East (Iran; Israel; Saudi Arabia; United Arab Emirates; and Rest of Middle East); and Africa.

Select Competitors (Total 33 Featured) -

• Adyen N.V.
• Authorize.Net (a Visa solution)
• AvidXchange, Inc.
• Bill.com Holdings, Inc.
• Braintree (a PayPal service)
• Fiserv, Inc.
• Global Payments Inc.
• GoCardless Ltd.
• JPMorgan Chase & Co.
• Melio Payments Inc.
• Payoneer Inc.
• PayPal Holdings, Inc.
• Plooto Inc.
• Ramp Business Corporation
• Square, Inc.
• Stripe, Inc.
• TreviPay
• Veem Inc.
• Wise (formerly TransferWise)
• Worldpay, Inc.

TARIFF IMPACT FACTOR

Our new release incorporates impact of tariffs on geographical markets as we predict a shift in competitiveness of companies based on HQ country, manufacturing base, exports and imports (finished goods and OEM). This intricate and multifaceted market reality will impact competitors by artificially increasing the COGS, reducing profitability, reconfiguring supply chains, amongst other micro and macro market dynamics.

We are diligently following expert opinions of leading Chief Economists (14,949), Think Tanks (62), Trade & Industry bodies (171) worldwide, as they assess impact and address new market realities for their ecosystems. Experts and economists from every major country are tracked for their opinions on tariffs and how they will impact their countries.

We expect this chaos to play out over the next 2-3 months and a new world order is established with more clarity. We are tracking these developments on a real time basis.

As we release this report, U.S. Trade Representatives are pushing their counterparts in 183 countries for an early closure to bilateral tariff negotiations. Most of the major trading partners also have initiated trade agreements with other key trading nations, outside of those in the works with the United States. We are tracking such secondary fallouts as supply chains shift.

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APRIL 2025: NEGOTIATION PHASE

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