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Instant Payments Market 2025-2030: Full Research Suite

Publisher Juniper Research
Published Sep 30, 2025
Length 133 Pages
SKU # JNRH20450839

Description

Juniper Research’s Instant Payments research suite provides a wide-ranging and strategic analysis of this market; enabling stakeholders - from banks, infrastructure providers, regulators, and businesses - to understand future growth, key trends, and the competitive environment.

The research suite includes several different options that can be purchased separately. The Market Trends & Strategies element includes an insightful analysis of the key areas of real-time payments’ transformation and innovation, including key trends and challenges to market expansion. Additionally, it features Juniper Research’s Country Readiness Index, which provides a country-level analysis of the current and future opportunities for instant payments in 61 different geographies.

The Data & Forecasting element includes access to data mapping the adoption and future growth of the instant payments market over the next five years; split by cross-border versus domestic transactions, and B2B versus consumer.

Additionally, the Competitor Leaderboard document features an extensive analysis of the 17 market leaders in the instant payments space; positioning them based on capability and capacity, as well as on their product offering itself; offering a robust analysis of each vendor.

The coverage can also be purchased as a full research suite containing the Market Trends & Strategies, Data & Forecasting, and Competitor Leaderboard, and at a substantial discount.

Collectively, these documents provide a critical tool for understanding this important market. They allow instant payment providers and payments companies to shape their future strategy; capitalising on future growth opportunities. The research suite's extensive coverage makes it a valuable tool for navigating this high-growth market.

KEY FEATURES

Key Takeaways & Strategic Recommendations: In-depth analysis of key development opportunities, key findings, and key strategic recommendations for instant payment platforms, merchants, payment service providers, and banks.
Market Outlook: Insights into emerging trends and drivers of the expansion of the instant payments market; addressing factors limiting its growth, such as scam risk and business hesitancy. It provides analysis of the different use cases in both the consumer and business sectors; breaking down which have witnessed different adoption rates among instant payment services. Juniper Research’s Country Readiness Index positions 61 countries in their relative place in the real-time payments space; their readiness for the technology and their future growth.
Benchmark Industry Forecasts: This provides an overview of the instant payments market, including the volume and value of instant payments transactions, split by B2B and consumer payments, and by domestic and cross-border payments.
Juniper Research Competitor Leaderboard: Key player capability and capacity assessment for 17 instant payment platforms, via the Juniper Research Competitor Leaderboard.

Please note: the online download version of this report is for a global site license.

Table of Contents

133 Pages
MARKET TRENDS & STRATEGIES
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1. Key Takeaways & Strategic Recommendations
1.1 Key Takeaways
1.2 Strategic Recommendations
2. Instant Payments – Market Landscape
2.1 Introduction
2.1.1 Definition and Core Features of Instant Payments
2.1.2 Differentiation: Instant vs Faster Payments
2.1.3 Global Adoption
2.2 How Instant Payments Work
2.2.1 Overview
i. Main Process
Figure 2.1: Example Instant Payments System - The Clearing House Real-time Payments (RTP) Network
ii. Additional Supporting Functions
2.2.2 Instant Payments Features
2.2.3 Benefits of Instant Payment
2.2.4 Technological Layer of Instant Payment
2.2.5 Payment Rails
i. Pix (Brazil)
ii. UPI (India)
iii. Faster Payments (UK)
iv. PromptPay (Thailand)
Figure 2.2: PromptPay Payment Infrastructure
v. SEPA Instant Credit (EU)
Figure 2.3: Map of SEPA Member Countries
2.2.6 Challenges And Limitations
i. Overview
ii. Fraud Prevention
iii. Ways To Minimise Fraud
Figure 2.4: Request to Pay Loop
iv. Other Considerations
2.3 Background
2.3.1 Historical Background
2.3.2 Modern Days
2.3.3 Latest Developments
2.4 Emerging Trends
2.4.1 Overview
2.4.2 Technological Innovations Driving Instant Payments
i. The Rise Of Digital Wallets
ii. AI's Potential
iii. Internet of Things (IoT)
iv. The Integration Of Digital Assets
v. Decentralised Networks and Blockchain
vi. Open Banking
Figure 2.5: Provision of Services in Open Banking
2.4.3 Regulatory Trends
2.4.4 Product-related Payment Trends
i. The Use of Data
ii. Fraud Detection and AML
2.5 Consumer vs B2B Instant Payments
2.5.1 Consumer Instant Payments
i. Opportunities
ii. Adoption
iii. Use Cases
2.5.2 B2B Instant Payments
i. Opportunities
ii. Adoption
iii. Use Cases
3. Instant Payments: Segment Analysis
3.1 P2P Payments
3.1.1 Market
3.1.2 Opportunities
3.1.3 Limitations
3.1.4 Future Outlook
3.2 Online eCommerce Payments
3.2.1 Overview
3.2.2 Opportunities
3.2.3 Limitations
3.2.4 Future Outlook
3.3 In-store Instant Payments
3.3.1 Market
3.3.2 Opportunities
3.3.3 Limitations
3.3.4 Future Outlook
3.4 Cross-border Payments
3.4.1 The Latest Progress Within Cross-border Instant Payments
3.4.2 Project Nexus
Figure 3.1: How Payments Are Processed in Nexus
3.4.3 Financial Inclusion
3.4.4 Barriers to Further Expansion of Cross-border Instant Payments
4. Instant Payments: Country Readiness Index
4.1 Introduction
Figure 4.1: Juniper Research Country Readiness Index: Regional Definitions
Table 4.2: Juniper Research Country Readiness Index Scoring Criteria: Instant Payments
Figure 4.3: Juniper Research Country Readiness Index: Instant Payments
Table 4.4: Instant Payments Country Readiness Index: Market Segments
4.1.1 Focus Markets
4.1.2 Established Instant Payment Rails
4.1.3 Institutional Support
4.1.4 Country-level Assessment: The US
4.2 Growth Markets
4.2.1 Emerging Economies
4.2.2 Developed Economies
4.2.3 Country-level Assessment: The UAE
4.3 Saturated Markets
4.3.1 Cross-border Co-operation
4.3.2 Additional Services
4.3.3 Country-level Assessment: The UK
4.3.4 Country-level Assessment: Mexico
4.4 Developing Markets
4.4.1 Limited Infrastructure
Table 4.5: Juniper Research Country Readiness Index Heatmap: North America
Table 4.6: Juniper Research Country Readiness Index Heatmap: Latin America
Table 4.7: Juniper Research Country Readiness Index Heatmap: West Europe
Table 4.8: Juniper Research Country Readiness Index Heatmap: Central & East Europe
Table 4.9: Juniper Research Country Readiness Index Heatmap: Far East & China
Table 4.10: Juniper Research Country Readiness Index Heatmap: Indian Subcontinent
Table 4.11: Juniper Research Country Readiness Index Heatmap: Rest of Asia Pacific
Table 4.12: Juniper Research Country Readiness Index Heatmap: Africa & Middle East
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COMPETITOR LEADERBOARD
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1. Juniper Research Competitor Leaderboard
1.1 Why Read This Report
Table 1.1: Juniper Research Competitor Leaderboard: Instant Payments Vendors Included & Product Portfolio
Figure 1.2: Juniper Research Competitor Leaderboard for Instant Payments
Table 1.3: Juniper Research Instant Payments Vendors & Positioning
Table 1.4: Juniper Research Competitor Leaderboard Heatmap – Instant Payments Vendors
2. Company Profiles
2.1 Vendor Profiles
2.1.1 ACI Worldwide
i. Corporate
Figure 2.1: ACI Worldwide’s Financial Snapshot ($m), 2022-2024
ii. Geographical Spread
iii. Key Clients & Strategic Partnerships
iv. High-level View of Offerings
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities
2.1.2 Bottomline
i. Corporate
ii. Geographical Spread
iii. Key Clients & Strategic Partnerships
iv. High-level View of Offerings
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities
2.1.3 Finastra
i. Corporate
ii. Geographical Spread
iii. iii. Key Clients & Strategic Partnerships
iv. High-level View of Offerings
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities
2.1.4 FIS
i. Corporate
Table 2.2: FIS’ Financial Snapshot ($m), 2022-2024
ii. Geographical Spread
iii. Key Clients & Strategic Partnerships
iv. High-level View of Offerings
v. v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities
2.1.5 Fiserv
i. Corporate
Table 2.3: Fiserv’s Financial Snapshot ($m), 2022-2024
ii. Geographical Spread
iii. Key Clients & Strategic Partnerships
iv. High-level View of Offerings
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities
2.1.6 FSS
i. Corporate
Table 2.4: FSS’ Rounds of Funding ($m), 2000-2014
ii. Geographical Spread
iii. Key Clients & Strategic Partnerships
iv. High-level View of Offerings
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities
2.1.7 Jack Henry
i. Corporate
Table 2.5: Jack Henry’s Financial Snapshot ($m), 2022-2024
ii. Geographical Spread
iii. Key Clients & Strategic Partnerships
iv. High-level View of Offerings
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities
2.1.8 Mastercard
i. Corporate
Table 2.6: Mastercard’s Financial Snapshot ($m), 2022-2024
ii. Geographical Spread
iii. Key Clients & Strategic Partnerships
iv. High-level View of Offerings
Figure 2.7: Mastercard’s Real-time Payments Solution
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities
2.1.9 Montran Corporation
i. Corporate
ii. Geographical Spread
iii. Key Clients & Strategic Partnerships
iv. High-level View of Offerings
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities
2.1.10 Nexi
i. Corporate
Table 2.8: Nexi’s Financial Snapshot ($m), 2023-2024
ii. Geographical Spread
iii. Key Clients & Strategic Partnerships
iv. High-level View of Offerings
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities
2.1.11 Pelican AI
i. Corporate
ii. Geographical Spread
iii. Key Clients & Strategic Partnerships
iv. High-level View of Offerings
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities
2.1.12 SWIFT
i. Corporate
Table 2.9: SWIFT’s Financial Snapshot ($m), 2021-2024
ii. Geographical Spread
iii. Key Clients & Strategic Partnerships
iv. High-level View of Offerings
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities
2.1.13 Tata Consultancy Services
i. Corporate
Table 2.10: Tata Consultancy Services’ Financial Snapshot ($m), 2022-2024
ii. Geographical Spread
iii. Key Clients & Strategic Partnerships
iv. High-level View of Offerings
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities
2.1.14 Tietoevry
i. Corporate
Table 2.11: Tietoevry’s Financial Snapshot ($m), 2022-2024
ii. Geographical Spread
iii. Key Clients & Strategic Partnerships
iv. High-level View of Offerings
Figure 2.12: Instant Payments for Participants Schematic
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities
2.1.15 Visa
i. Corporate
Table 2.13: Visa’s Financial Snapshot ($m), 2022-2024
ii. Geographical Spread
iii. Key Clients & Strategic Partnerships
iv. High-level View of Offerings
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities
2.1.16 Volante Technologies
i. Corporate
ii. Geographical Spread
iii. Key Clients & Strategic Partnerships
iv. High-level View of Offerings
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities
2.1.17 Worldline
i. Corporate
Table 2.14: Worldline’s Financial Snapshot ($m), 2022-2024
ii. Geographical Spread
iii. Key Clients & Strategic Partnerships
iv. High-level View of Offerings
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities
2.2 Juniper Research Competitor Leaderboard Assessment Methodology
2.2.1 Limitations & Interpretations
Table 2.15: Juniper Research Competitor Leaderboard Scoring Criteria – Instant Payments
2.3 Related Research
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MARKET DATA & FORECASTS
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1. Instant Payments: Introduction & Methodology
1.1 Introduction
1.2 Methodology & Assumptions
Figure 1.1: Consumer Instant Payments Methodology
Figure 1.2: B2B Instant Payments Methodology
2. Market Summary
2.1 Total Volume
Figure & Table 2.1: Total Volume of Instant Payments per annum (m), Split by 8 Key Regions, 2025-2030
2.2 Total Value
Figure & Table 2.2: Total Value of Instant Payments per annum ($m), Split by 8 Key Regions, 2025-2030
2.3 Domestic Transactions
Figure & Table 2.3: Total Value of Instant Domestic Payments per annum ($m), Split by 8 Key Regions, 2025 2030
2.4 Cross-border Transactions
Figure & Table 2.4: Total Value of Instant Cross-border Payments per annum ($m), Split by 8 Key Regions, 2025 2030
3. B2B Payments
3.1 B2B Volume
Figure & Table 3.1: Total Number of Instant B2B Transactions per annum (m), Split by 8 Key Regions, 2025-2030
3.2 B2B Value
Figure & Table 3.2: Total Value of Instant Payment B2B Transactions per annum ($m), Split by 8 Key Regions, 2025-2030
3.3 Domestic B2B Transactions
Figure & Table 3.3: Total Value of Instant Payment Domestic B2B Transactions per annum ($m), Split by 8 Key Regions, 2025-2030
3.4 Cross-border B2B Transactions
Figure & Table 3.4: Total Value of Cross-border B2B Payments via Instant Payment per annum ($m), Split by 8 Key Regions, 2025-2030
4. Consumer Payments
4.1 Total Volume
Figure & Table 4.1: Total Number of Instant Payment Consumer Transactions per annum (m), Split by 8 Key Regions, 2025-2030
4.2 Total Value
Figure & Table 4.2: Total Value of Instant Payment Consumer Transactions per annum ($m), Split by 8 Key Regions, 2025-2030
4.3 Domestic Consumer Transactions
Figure & Table 4.3: Total Value of Instant Payment Domestic Consumer Transactions per annum ($m), Split by 8 Key Regions, 2025-2030
4.4 Cross-border Consumer Transactions
Figure & Table 4.4: Total Value of Instant Payment Cross border Consumer Transactions per annum ($m), Split by 8 Key Regions, 2025-2030

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