📝 Paypers report on account-to-account payments in 2026 (part 1)

📝 Paypers report on account-to-account payments in 2026 (part 1)

Full report

1⃣ A2A payments are gaining importance as an alternative to bank cards, particularly in e-commerce and recurring payments. Consumers can make transactions through instant payment systems such as #Pix and #UPI, PIS and VRP services, by scanning QR codes, or through digital wallets such as Wero, BLIK, Bizum, and Swish. In several markets, particularly Brazil 🇧🇷, India 🇮🇳, and the Netherlands 🇳🇱, A2A payments are a leading payment method, supported by government policies and well-developed infrastructure.

📌 Key drivers of A2A growth:

🔴 For users: the ability to pay without cards;
🔴 For merchants: lower transaction costs compared with card payments;
🔴 Near-instant receipt of funds.

📌 Key challenges: fraud, limited buyer protection, fragmentation across countries, and unstable banking interfaces.

2⃣ Market and growth forecasts

According to Juniper Research, the global transaction volume could rise from USD 91.5 trillion in 2025 to USD 195 trillion in 2030, with a compound annual growth rate of approximately 16%.

The consumer segment is growing faster than the overall market.

🟣 Consumer A2A payment volume is projected to increase from USD 1.7 trillion in 2024 to USD 5.7 trillion in 2029, with a projected compound annual growth rate of approximately 27%.
🟣 B2B transactions, payroll payments, and corporate cash management account for the largest share of A2A payment volume.
🟣 In 2025, A2A payments accounted for 7% of global online payment volume and 4% of point-of-sale (PoS) payments.

3⃣ Benefits of A2A for market participants

🎯 Merchants:

🔵 Potentially lower fees;
🔵 Faster receipt of funds;
🔵 Fewer issues related to storing card data;
🔵 Simplified payment automation.

🎯 Banks:

🔵 New revenue streams from payment APIs and Open Banking services;
🔵 Direct involvement in customers’ online purchases;
🔵 Reduced dependence on global payment networks.

🎯 Consumers:

🔵 Fast transfers directly from their accounts;
🔵 Convenient payments through banking apps or QR codes;
🔵 The ability to manage recurring payments through their bank;
🔵 Less need to enter card details.

🎯 PSPs and fintech companies:

🔵 Integration of multiple payment methods into a single interface;
🔵 Services for currency conversion, refunds, and risk management;
🔵 Connectivity between banking systems and payment networks.

To be continued. Stay tuned.

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