결제 보안 시장 규모, 점유율, 업계 분석 보고서 : 조직 규모별, 플랫폼별, 솔루션 유형별, 최종 이용 업계별, 지역별 전망 및 예측(2025-2032년)
Global Payment Security Market Size, Share & Industry Analysis Report By Organization Size (Large Enterprises, and SMEs ), By Platform, By Solution Type, By End-User Industry, By Regional Outlook and Forecast, 2025 - 2032
상품코드:1936231
리서치사:KBV Research
발행일:2026년 01월
페이지 정보:영문 579 Pages
라이선스 & 가격 (부가세 별도)
한글목차
세계 결제 보안 시장 규모는 2025년 324억 6,000만 달러에 달할 것으로 예상되며, 2032년까지 969억 달러에 달할 것으로 전망됩니다. 예측 기간(2025-2032년) 동안 CAGR 16.9%로 성장할 것으로 예상됩니다.
주요 하이라이트:
북미 결제 보안 시장은 2024년 세계 시장을 선도했으며, 2024년 매출 점유율은 35.90%를 차지했습니다.
미국 결제 보안 시장은 북미에서 우위를 유지하며 2032년까지 251억 1,000만 달러의 시장 규모에 도달할 것으로 예상됩니다.
최종사용자 산업 부문 중 소매 및 E-Commerce는 2024년 35.37%의 매출 점유율을 차지하며 세계 시장을 주도할 것으로 예상됩니다.
솔루션 유형별로는 부정행위 탐지 및 방지 부문이 2032년 30.28%의 매출 점유율을 차지하며 세계 시장을 주도할 것으로 예상됩니다.
플랫폼 부문에서는 웹 기반이 2024년 46.16%의 매출 점유율로 1위를 차지할 것으로 예상되며, 예측 기간 동안에도 그 우위를 유지할 것으로 보입니다.
결제 보안 시장은 거래의 디지털화와 함께 발전해 왔으며, 고도화되는 사이버 위협과 확대되는 결제 채널에 대응해 왔습니다. 카드 결제가 확대됨에 따라 데이터 가로채기, 스키밍 등의 위험이 발생하여 표준화 단체와 규제 당국의 지원 하에 네트워크 레벨 인증, EMV 칩 기술 등 표준화된 보호 조치가 도입되었습니다. E-Commerce의 성장과 함께 유럽중앙은행, NIST 등의 기관이 추진하는 프레임워크에 따라 보안은 토큰화, SSL 암호화, 실시간 모니터링 등 디지털 제어로 전환되었습니다. 디지털 지갑과 모바일 결제는 보안 하드웨어 인클로브, 생체 인증, 디바이스 레벨 암호화를 통해 보안을 더욱 강화하여 결제 보안 시장에 새로운 기회를 창출하고 있습니다.
최근에는 API, 클라우드 컴퓨팅, 실시간 결제 시스템이 보다 지능화된 보안 환경을 촉진하고 있습니다. 또한, 다단계 인증, PSD2, 생체인증 등의 규제에 힘입어 강력한 고객 인증이 주류가 되었고, 그 속에서 토큰화는 기밀성이 높은 결제 데이터의 노출을 줄이는 핵심적인 수단으로 발전했습니다. 즉시결제로의 전환에 따라 지속적인 실시간 위험 평가를 위한 행동 분석과 AI 기반 부정행위 탐지에 대한 의존도가 급증하고 있습니다. 주요 시장 제공업체들은 표준 기반 프레임워크, 생태계 연계, 보안 바이 디자인(Security by Design)을 통한 혁신을 통해 경쟁에서 우위를 점하고 있으며, 규제 당국과 긴밀히 협력하여 상호운용성과 컴플라이언스를 보장하고 있습니다.
KBV Cardinal matrix에 기반한 분석에 따르면, Visa Inc.는 결제 보안 시장의 선구자입니다. Mastercard Inc., American Express Company, U.S. Bancorp 등의 기업들은 결제 보안 시장의 주요 혁신가들 중 일부입니다. 2025년 2월, Bluefin Payment Systems LLC는 Datecs와 제휴하여 자사의 ShieldConex 오케스트레이션 플랫폼을 Datecs의 안드로이드 기반 결제 단말기에 통합했습니다. 이번 연계를 통해 토큰화와 PCI 인증된 P2P PE를 제공함으로써 결제 보안을 강화하고, PCI 준수 범위를 축소합니다. 이를 통해 Datecs 고객은 기술적 제약 없이 원하는 프로세서를 선택할 수 있는 유연하고 안전한 결제 솔루션을 이용할 수 있습니다.
목차
제1장 시장 범위와 조사 방법
제2장 시장 요람
제3장 시장 개요
제4장 시장 동향 : 결제 보안 시장
제5장 경쟁 : 결제 보안 시장
제6장 시장 통합 : 결제 보안 시장
제7장 주요 고객 기준 : 결제 보안 시장
제8장 제품수명주기 : 결제 보안 시장
제9장 밸류체인 분석 : 결제 보안 시장
제10장 경쟁 분석 : 세계
제11장 세계 시장 : 조직 규모별
제12장 세계 시장 : 플랫폼별
제13장 세계 시장 : 솔루션 유형별
제14장 세계 시장 : 최종 이용 업계별
제15장 세계 시장 : 지역별
제16장 기업 개요
제17장 성공 필수요소 : 결제 보안 시장
KSM
영문 목차
영문목차
The Global Payment Security Market size is expected to reach $32.46 billion in 2025 and is expected to reach $96.90 billion by 2032, rising at a market growth of 16.9% CAGR during the forecast period (2025-2032).
Key Highlights:
The North America Payment Security market dominated the Global Market in 2024, accounting for a 35.90% revenue share in 2024.
The US Payment Security market is expected to continue its dominance in North America region thereby reaching a market size of 25.11 billion by 2032.
Among the various End-User Industry segments, Retail & E-commerce dominated the global market contributing a revenue share of 35.37% in 2024.
In terms of the Solution Type segmentation, the Fraud Detection & Prevention segment is projected to dominate the global market with the projected revenue share of 30.28% in 2032.
Web-Based led the Platform segments in 2024, capturing a 46.16% revenue share and is projected to continue its dominance during projected period.
The payment security market has developed along with the digitization of transactions, responding to largely sophisticated cyber threats and expanding payment channels. With the expansion of card-based payments, risks like data interception and skimming resulted in the introduction of standardized protection such as network-level authentication and EMV chip technology, supported by standard bodies and regulators. The growth of e-commerce has shifted security toward digital controls, including tokenization, SSL encryption, and real-time monitoring, guided by frameworks promoted by institutions like the European Central Bank and NIST. Digital wallets and mobile payments further advanced security through secure hardware enclaves, biometrics, and device-level encryption, thereby creating opportunities for payment security market.
Recently, APIs, cloud computing, and real-time payment systems have driven a more intelligence-led security landscape. Further, strong customer authentication, driven by regulations like multi-factor authentication, PSD2, and biometrics have become mainstream, wherein tokenization has developed as a core method for reducing exposure of sensitive payment data. The transition to instant payments has surged reliance on behavioral analytics and AI-driven fraud detection for continuous, real-time risk assessment. Key market providers are positioning themselves ahead in the competitive market through standards-based frameworks, ecosystem collaboration, and security-by-design innovation, working closely with regulators to assure interoperability and compliance.
The major strategies followed by the market participants are Product Launches as the key developmental strategy to keep pace with the changing demands of end users. For instance, In March, 2024, Ingenico unveiled the Axium CX9000, a new all-in-one integrated POS system Designed for seamless transactions. It combines advanced payment solutions with enhanced security and efficiency. This launch reinforces Ingenico's commitment to innovation, offering businesses a versatile, user-friendly device for streamlined payment processing in various retail and service environments. Additionally, In November, 2024, Visa Inc. unveiled new products in the Asia-Pacific region aimed at improving payment flexibility and security. Visa Payment Passkey using biometrics, and Click to Pay. Visa is also expanding tokenization and fraud prevention with AI-driven tools.
Based on the Analysis presented in the KBV Cardinal matrix; Visa Inc. is the forerunner in the Payment Security Market. Companies such as Mastercard Inc., American Express Company, and U.S. Bancorp are some of the key innovators in Payment Security Market. In February 2025, Bluefin Payment Systems LLC teamed up with Datecs to integrate its ShieldConex Orchestration platform into Datecs' Android-based payment devices. This collaboration enhances payment security by offering tokenization and PCI-validated P2PE, reducing PCI compliance scope. It provides Datecs' clients with flexible, secure payment solutions, allowing them to choose their preferred processor without technical limitations.
COVID 19 Impact Analysis
The COVID-19 pandemic had a positive effect on the Payment Security Market by speeding up the use of digital and contactless payments. Lockdowns and social distancing made people more likely to shop online, use mobile wallets, and pay with cards, which increased the need for secure payment systems. Businesses had to spend money on better security measures, such as encryption, tokenization, and authentication, as e-commerce grew. To fight rising cyber threats, banks and other financial institutions used AI to find fraud and keep an eye on things in real time. Regulatory focus on compliance made people more likely to use strong security systems that met standards. The pandemic helped the market grow overall and showed how important it is to make sure digital transactions are safe. Thus, the COVID-19 pandemic had a Positive impact on the market.
Organization Size Outlook
Based on Organization Size, the Payment Security Market is segmented into Large Enterprises, and SMEs (Small & Medium). The SMEs (Small & Medium) segment acquired 37% revenue share in the market in 2024. The SMEs (Small & Medium Enterprises) segment represents a vital portion of the payment security market, driven by the rapid digitization of small and mid-sized businesses and their growing reliance on digital payment methods. SMEs increasingly adopt online payment gateways, mobile wallets, and cloud-based point-of-sale solutions to expand customer reach and improve transaction efficiency.
Platform Outlook
Based on Platform, the Payment Security Market is segmented into Web-Based, Mobile-Based and In-Store / POS. The Mobile-Based segment attained 29% revenue share in the market in 2024. The Mobile-Based platform segment plays a crucial role in the payment security market due to the rapid adoption of smartphones and mobile applications for financial transactions. Mobile payments are widely used for peer-to-peer transfers, digital wallets, in-app purchases, and contactless transactions, requiring security solutions that operate efficiently within mobile operating systems and networks.
Regional Outlook
Region-wise, the Payment Security Market is analyzed across North America, Europe, Asia Pacific, and LAMEA. The North America segment recorded 36% revenue share in the market in 2024. The payment security market is predicted to grow at a significant rate in North America and Europe region. This is because of stringent regulatory frameworks, widespread digital adoption, and investment in cybersecurity infrastructure. Canada and the US are leading in implementing tokenization, and robust authentication standards, backed by regulatory bodies like Federal Reserve, the PCI Security Standards Council and FINRA. Furthermore, Europe payment security market is estimated to experience prominent expansion supported by regulatory drivers such as PSD2 and GDPR, surging adoption of data protection practices, real-time risk analytics, and strong customer authentication. Both regions benefit from payment networks, large-scale financial institutions, and technology providers investing largely in innovation, accelerating early adoption of developing security technologies like biometric authentication and adaptive risk models. Standardized frameworks and cross-border interoperability also strengthen the market in both North America and the Europe region.
The payment security market is projected to capture substantial growth in the Asia Pacific and LAMEA regions. This is because of accelerating digital payment penetration, economic development, and regulatory maturity. The APAC market is propelled by accelerated mobile and digital wallet adoption, particularly in India, China, Australia, and Southeast Asia. Central banks and governments across the region prioritize expanding financial inclusion while improving security through real-time monitoring, biometric authentication, and secure digital identity frameworks. Regional partnerships on standards are offering opportunities for regional and global vendors. Moreover, LAMEA payment security market is growing, driven by rising digital payments. Investment in payment security is further supported by urban centers and major financial hubs, with rising interest in fraud detection systems, tokenization, and cloud-based security solutions.
Recent Strategies Deployed in the Market
Dec-2024: Mastercard Inc. announced a partnership with DGPays to drive digital payment innovation in the region. The partnership aims to enhance financial technology, expand digital payment solutions, and improve accessibility. It reflects a shared commitment to advancing seamless, secure, and efficient digital transactions for businesses and consumers across the market.
Nov-2024: Mastercard Inc. teamed up with NEC and launched Biometric Payments. The collaboration combines the facial recognition of NEC and the liveness verification mechanism with the payment operations of Mastercard. The new technology's advantages for merchants comprise added security, shorter lines, and more hygienic conditions while providing an enhanced, engaging relationship with customers.
Oct-2024: SHIFT4 PAYMENTS, INC. unveiled global crypto payment capabilities, enabling businesses worldwide to accept cryptocurrency transactions. This expansion enhances Shift4's payment solutions, offering seamless crypto integration for merchants. The move supports broader digital currency adoption, providing secure and efficient processing for global businesses seeking innovative payment options.
Oct-2024: Bluefin Payment Systems LLC teamed up with Sycurio to enhance payment security and improve customer and agent experiences. This collaboration integrates Bluefin's PCI-validated point-to-point encryption (P2PE) with Sycurio's multi-channel payment solutions, offering secure, seamless transactions. The partnership reduces PCI compliance burdens and improves data protection, ensuring smoother customer interactions across all channels.
Aug-2024: Mastercard Inc. unveiled the Payment Passkey service in India to enhance online payment security. This innovation replaces one-time passwords (OTPs) with biometric authentication, ensuring safer and more seamless transactions. The service aims to improve user experience while strengthening protection against fraud in digital payments.
List of Key Companies Profiled
U.S. Bancorp
Ingenico (Apollo Global Management, Inc.)
Utimaco Management GmbH (SGT Capital)
SHIFT4 PAYMENTS, INC.
Mastercard Inc.
American Express Company
Thales Group S.A.
PayPal Holdings, Inc.
Bluefin Payment Systems LLC
Visa Inc.
Global Payment Security Market Report Segmentation
By Organization Size
Large Enterprises
SMEs (Small & Medium)
By Platform
Web-Based
Mobile-Based
In-Store / POS
By Solution Type
Fraud Detection & Prevention
Encryption
Tokenization
Other Solution Type
By End-User Industry
Retail & E-commerce
BFSI (Banking & Financial Services)
Healthcare
IT & Telecom
Travel & Hospitality
Government
Other End-User Industry
By Geography
North America
US
Canada
Mexico
Rest of North America
Europe
Germany
UK
France
Russia
Spain
Italy
Rest of Europe
Asia Pacific
China
Japan
India
South Korea
Singapore
Malaysia
Rest of Asia Pacific
LAMEA
Brazil
Argentina
UAE
Saudi Arabia
South Africa
Nigeria
Rest of LAMEA
Table of Contents
Chapter 1. Market Scope & Methodology
1.1 Market Definition
1.2 Objectives
1.3 Market Scope
1.4 Segmentation
1.4.1 Global Payment Security Market, by Organization Size
1.4.2 Global Payment Security Market, by Platform
1.4.3 Global Payment Security Market, by Solution Type
1.4.4 Global Payment Security Market, by End-User Industry
1.4.5 Global Payment Security Market, by Geography
