Global B2B Payments & Cross-Border Transformation 2026

Description

Global B2B Payments Are Forecast to Grow as Digitalization and Cross-Border Infrastructure Develop Through 2030

Key Highlights

Global B2B payment transaction value is forecast to increase by 20%, from over USD 180 trillion in 2025 to nearly USD 225 trillion in 2030.
Global B2B virtual card payment value is projected to increase from approximately USD 4.0 trillion in 2025 to more than USD 14 trillion in 2029.
Global cross-border B2B payment transactions are forecast to increase from over 16 billion in 2025 to more than 18 billion in 2030.

Business Payment Methods Evolve Across Different Transaction Needs

Bank transfers remain central to B2B payments, while cards and instant payments provide additional options. Adoption varies by business size, transaction requirements, supplier acceptance, and liquidity needs.

Cross-Border Payments Remain Affected by Cost and Settlement Friction

Foreign-exchange costs, intermediary processing, and settlement delays continue to affect international B2B payments. Greater transparency, payment tracking, and confirmation of receipt remain important for improving transaction reliability.

Regional Payment Infrastructure Develops Through Different Approaches

North America, Europe, Asia-Pacific, Latin America, the Middle East, and Africa are developing digital and cross-border payment capabilities at different stages. Real-time payments, standardized data, and corporate integration support modernization, with implementation varying across markets.

Product Code: 1728

1. Key Takeaways

2. Management Summary

3. Key Developments

Global: B2B Payment Methods and Cross-Border Developments, September 2026
Global: Business Payment Strategies, Payment Requirements and Cross-Border Connectivity, September 2026

4. Market Context and Business Payment Requirements

Global: Payment Scale, Business Flows and Data Comparability, September 2026
Global: Business Priorities Across Cost, Speed, Security, Credit and Convenience, September 2026
Global: Cross-Border B2B Payment Costs, Delivery and Transparency, September 2026

5. B2B Payment Scale, Measurement and Digitalization

Global: Global B2B Payment Transaction Value, in USD trillions, 2025E and 2030F
Global: B2B Payment Transaction Value and Market-Sizing Boundaries, September 2026
Global: B2B Payment Digitalization and Non-Cash Development, September 2026
Global: Domestic and Cross-Border B2B Payment Activity, September 2026
Global: Key Structural Developments in B2B Payments, September 2026

6. B2B Payment Methods and Business Preferences

Global: B2B Virtual Card Payment Value, in USD trillions and CAGR, 2025E & 2029F
Global: B2B Share of Virtual Card Payment Value, in %, 2025E & 2029F
Global: Virtual Card Use Cases in B2B Payments, September 2026
Global: Buyer Payment Preferences, September 2026
Global: Supplier Payment Acceptance and Preferences, September 2026
Global: Payment Behavior by Business Size, September 2026
U.S. & Canada: Share of B2B Payments Made by Check, in %, 2022 & 2025
U.S. & Canada: Likelihood of Converting Eligible B2B Check Payments to Digital Methods, in % of Resp., 2025
U.S. & Canada: Planned Payments-Strategy Updates, in % of Organizations Planning an Update, 2025-2027
U.S.: Share of B2B Payment Volume by Selected Payment Method, in %, 2015 & 2024
U.S.: Average B2B Payment Size by Method, in USD, 2024
U.S.: Average Share of B2B Payments Made by Check, by Organization Revenue, in %, 2013 & 2025

7. Cross-Border B2B Payments

Global: Cross-Border B2B Payment Transactions, in billions, 2025E and 2030F
Global: Services' Share of Cross-Border B2B Payment Value, in %, 2024E & 2032F
Global: Digitally Delivered Share of Cross-Border B2B Service Payment Value, in %, 2024E & 2032F
Global: Average Cost of MSME Cross-Border B2B Payments, in %, March 2023-March 2025
Global: Corporate Priorities in Cross-Border Payments, September 2026
Global: Speed and Settlement Friction in Cross-Border B2B Payments, September 2026
Global: Transparency, Tracking and Payment Certainty in Cross-Border B2B Payments, September 2026

8. Cross-Border Infrastructure Transformation

Global: Traditional and Emerging Cross-Border B2B Payment Models, September 2026
Global: Provider Roles in Cross-Border B2B Payments, September 2026
Global: APIs, Tracking and Data Connectivity Across International B2B Payments, September 2026
Global: Multi-Rail and Emerging Cross-Border B2B Infrastructure, September 2026
Europe: Real-Time and Alternative Rails in Cross-Border B2B Payments, September 2026

9. Regional and Selected-Country Developments

9.1. North America
North America: Business Payment Methods and Digitalization, September 2026
U.S. & Canada: Organizations Engaging in Cross-Border Payments, in %, 2022 & 2025
U.S. & Canada: Reported Impact of Faster Payments on Organizations, in % of Respondents, 2025
U.S.: B2B ACH Payment Volume, in billions and YoY Growth, 2024-2025
U.S.: Business Payment Method Use and Instant-Payment Adoption Drivers, September 2026
U.S.: Commercial Cards, Bank Transfers and Instant Business Payments, September 2026
U.S.: B2B ACH Payment Volume, in billions of Payments and YoY, Q1 2025 & Q1 2026
U.S.: Same Day ACH Payment Volume, in millions, and Value, in USD billions, Q1 2025 & Q1 2026
9.2. Europe
Europe: Bank Transfers, Direct Debit, Instant Payments and Invoice-to-Payment Integration, September 2026
Europe: B2B Payment Preferences and Instant-Payment Conditions, September 2026
UK: B2B Payment Methods and Account-to-Account Development, September 2026
9.3. Asia-Pacific
Asia-Pacific: B2B Payment Digitalization and Payment-Method Development, September 2026
APAC: Business Trade Settlement Developments, September 2026
China: Business Payments, Cross-Border RMB Settlement and Payment Infrastructure, September 2026
India: Business Payment Digitalization and Cross-Border Trade Settlement, September 2026
9.4. Latin America, Middle East and Africa
Latin America, Middle East & Africa: Business Payment and Cross-Border Developments, September 2026
Brazil: Pix in Business Payments and Cross-Border Payment Development, September 2026
Brazil: B2B Share of Interbank Pix Transactions by Number, in %, June 2021 & December 2025
Brazil: B2B Share of Interbank Pix Transactions by Value, in %, June 2021 & December 2025
Brazil: Distribution of Interbank Pix Transaction Value by Payer and Recipient Type, in %, December 2025

10. Provider and Competitive Landscape

Global: Roles Across the B2B Payment Ecosystem, September 2026
Global: Selected Providers by B2B Payment Capabilities, September 2026
Global: Selected Cross-Border B2B Providers by Capabilities and Geographic Coverage, September 2026
Global: Selected Competitive Developments Across B2B Payments, September 2026

11. B2B Payments Outlook

Global: B2B Payment Developments Toward 2030, September 2026
Global: Evolution of B2B Payment Choice and Cross-Border Infrastructure Toward 2030, September 2026