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eCommerce Payments Market 2025-2030: Market Trends and Strategies

Publisher Juniper Research
Published Sep 08, 2025
Length 61 Pages
SKU # JNRH20386104

Description

This report examines the eCommerce payments market landscape in detail; assessing market trends and factors shaping the evolution of this transforming market. It delivers comprehensive analysis of the strategic opportunities in the eCommerce payments landscape; assessing ways in which the market is changing based on different payment methods, and what this means for overall market growth. The report also examines key challenges and opportunities, as well as providing an evaluation of key country-level opportunities for eCommerce payments growth via a Country Readiness Index. Combined, the report provides an insightful resource for key stakeholders.

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

Table of Contents

61 Pages
1. Key Takeaways & Strategic Recommendations
1.1 Key Takeaways
1.2 Strategic Recommendations
2. Market Landscape
2.1 Introduction & Definitions
2.2 History of eCommerce and eCommerce Payments
2.2.1 The Beginning of eCommerce
2.2.2 The Impact of the COVID-19 Pandemic
2.2.3 Recent Developments and Looking Ahead
2.3 Key Players in the eCommerce Payments Market
2.3.1 Understanding the Payments Stack: Gateways, Acquirers, Processors, and PSPs
Figure 2.1: eCommerce Payments Process
Figure 2.2: Payment Services Provided by PSPs
i. Payment Gateways: Connecting Customers to the Payments Ecosystem
ii. How Payment Gateways Work
iii. External Gateways vs Embedded Checkouts
2.3.2 Acquirers and PayFacs: Infrastructure, Enablement, and the Shift to Embedded Models
i. What Acquirers Do, and Do Not Do
ii. What is a PayFac?
iii. The Evolution: PayFac-as-a-Service
2.3.3 Payments Orchestration Platforms: From Connector to Strategic Control Layer
2.4 eCommerce Verticals
2.4.1 B2B eCommerce: The Hidden Role of Payments in Platform Transformation
i. Consumerised Buying and Frictionless Checkout
ii. Rep-free, Self-service Embedded Finance Journeys
iii. Unified B2B/B2C Channels Enabled by Modular Payment Orchestration
iv. Workflow Automation, Smart Settlement and Reconciliation
v. Personalisation at Scale Powered by Adaptive Credit and Payment Models
vi. Virtual Cards as a Strategic B2B Payment Rail
2.4.2 Customer-to-Customer (CC) Recommerce: Emerging Platform Trends Underpinned by Payments
i. Platform-driven Identity and Reputation Systems
ii. Gamification and Recirculation Incentives
iii. Retailer-led Resale Channels
iv. Onboarding the Informal Seller
2.4.3 Social Commerce: Emerging Platform Trends Underpinned by Payments
i. Creator-led Commerce at Scale
ii. Embedded Trust and Escrow Mechanics
iii. Localised Compliance Meets Global Monetisation
iv. Democratising Commerce Through Instant Onboarding
2.5 Key Trends & Drivers
2.5.1 Local Acquiring As a Strategic Lever in Global Payments
2.5.2 Recurring Payments in the Subscription Economy: Reliability at Scale, Enabled by Infrastructure
Figure 2.3: Subscription Economy Transaction Value, 2020-2030 ($m), Global
2.5.3 Regulatory Changes
i. Europe’s Regulatory Push: PSD3, Real-time, Competitive, and Sovereign Payments
ii. US: Digital Wallet Oversight and Open Banking Uncertainty
iii. China: Strengthening Oversight and Consumer Protection
2.5.4 Growth Opportunities in eCommerce Payments in 2025
i. Real-time Payments Move to the Forefront
ii. AI-driven Optimisation at Checkout
iii. Local Payment Methods as the Global Default
iv. Embedded Finance in Platforms and Marketplaces
v. Extending Fraud Protection to SMEs
2.5.5 Challenges for eCommerce Payments in 2025
i. Fragmentation of Payment Methods and Localisation Complexity
ii. Rising Fraud and Operational Risk
iii. Checkout Friction and Abandonment
iv. Cross-border Settlement and Compliance Barriers
v. Interoperability and Return Payments: Hidden Friction in the Payment Lifecycle
3. Segment Analysis
3.1 Payment Methods Landscape
3.1.1 Overview
Figure 3.1: Market Share of Payment Methods by Number of Remote Physical Goods Transactions (%), Globally, 2022, 2025 and 2030
3.1.2 Account-to-Account (A2A) Payments
Figure 3.2: The Process of Making A2A Payments
3.1.3 Card Payments
i. Credit Cards
ii. Debit Cards
iii. Prepaid Cards
iv. Outlook for Card Payments in eCommerce
3.1.4 Digital Wallets
Figure 3.3: Digital Wallet Funding Types
i. Card-linked Wallets
ii. Non-card-linked Wallets
iii. Looking Ahead
3.1.5 Direct Carrier Billing (DCB)
3.1.6 Buy Now, Pay Later (BNPL)
3.1.7 Cash-based eCommerce Payments
3.1.8 Digital Assets and Token-based Payments: Cryptocurrency, Stablecoins & CBDCs
i. Cryptocurrencies: Still Niche, but Useful in Select Verticals
ii. Stablecoins: Gaining Momentum in Cross-border Commerce
iii. Central Bank Digital Currencies (CBDCs): Still Experimental, but Promising
iv. Outlook: Digital Assets in eCommerce Pragmatic, Not Ideological
3.2 eCommerce Market Segmentation
3.2.1 Large Multinational eCommerce Players
3.2.2 National eCommerce Brands
3.2.3 Small eCommerce Businesses
3.2.4 Vertical-specific eCommerce Payments
i. Outlook: Payments As a Strategic Growth Lever
4. Country Readiness Index
4.1 Introduction to the Country Readiness Index
Figure 4.1: Juniper Research Country Readiness Index Scoring Criteria: eCommerce Payments
Figure 4.2: Juniper Research Country Readiness Index: eCommerce Payments
Figure 4.3: Juniper Research Country Readiness Index: eCommerce Payments - Market Segments
4.2 Index Analysis
4.2.1 Focus Markets: Driving the Global eCommerce Payments Landscape
i. Mature Markets: UK, Germany, and France
ii. High-Growth Markets: India, Brazil, and Mexico
iii. Structurally Mature, Still Evolving: China
iv. High-growth, High-readiness: India
4.2.2 Growth Markets
i. Urbanisation and Infrastructure
ii. Spotlight on Singapore
4.2.3 Saturated Markets
i. Evolving Payment Preferences
ii. Pockets of Innovation
4.2.4 Developing Markets
i. Cash Dependence and the Shift to Digital
ii. Economic Volatility and Infrastructure Gaps
Figure 4.4: Juniper Research Country Readiness Index Heatmap: North America
Figure 4.5: Juniper Research Country Readiness Index Heatmap: Latin America
Figure 4.6: Juniper Research Country Readiness Index Heatmap: West Europe
Figure 4.7: Juniper Research Country Readiness Index Heatmap: Central & East Europe
Figure 4.8: Juniper Research Country Readiness Index Heatmap: Far East & China
Figure 4.9: Juniper Research Country Readiness Index Heatmap: Indian Subcontinent
Figure 4.10: Juniper Research Country Readiness Index Heatmap: Rest of Asia Pacific
Figure 4.11: Juniper Research Country Readiness Index Heatmap: Africa & Middle East

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