17 statistics mapping the growth of real-time payments in B2B

Updated on June 12, 2025

Businesses today are seeing real-time payments become a key part of business-to-business transactions. Companies want faster, safer, and more direct payment options, which has led to a sharp increase in the use of these systems.

This article highlights 17 important statistics that show how real-time payments are rapidly changing B2B payments. For more detailed data and insights, visit the Market Data Report about B2B Payments Statistics.

1) Global real-time payments market valued at $24.91 billion in 2024

The global real-time payments market reached a value of $24.91 billion in 2024. This figure shows robust adoption in digital transaction methods across many industries.

Business leaders should note the direct impact on payment processing speed and efficiency. As more companies switch to streamlined solutions, trends can be tracked on the real-time payments market size report.

For more information on B2B digital payment growth, see the B2B digital payment market size analysis.

2) Projected CAGR of 35.4% from 2025 to 2032 in real-time payments

The real-time payments market is projected to grow at a compound annual growth rate (CAGR) of 35.4% from 2025 to 2032. This figure reflects strong business adoption and investment.

Such rapid expansion can transform how companies handle transactions, improving speed and efficiency. For more on how new payments technology is scaling, businesses can review the mobile payment market size.

Firms seeking industry insights on payment solutions may also find best practices by exploring payment and escrow systems.

3) Real-time payments market expected to reach $284.49 billion by 2032

The worldwide real-time payments market is projected to hit $284.49 billion by 2032, showing a sustained growth trend. This rapid increase reflects a compound annual growth rate of 35.4%.

For businesses, this expansion points to increasing adoption and competitive pressure. Firms that act early have a chance to gain operational advantages and improve customer experiences. Learn more about how real-time payments are driving modernization in banking and finance. For further analysis, review the latest innovations driving real-time payment adoption in banking.

4) B2B payments market valued at $1.355 trillion in 2024

In 2024, the global B2B payments market reached a value of $1.355 trillion. This growth is driven by rising demand for digital transactions and efficient payment systems.

Businesses are responding to this trend by investing more in fintech market solutions like digital wallets and automation. For more data on current developments, visit the Current Affairs English Study PDF - March 2025.

5) B2B payments projected to grow to $2.943 trillion by 2033

Business-to-business payments are forecasted to reach $2.943 trillion by 2033. This sharp increase signals a steady shift as companies adopt faster, more transparent methods.

Real-time payment options are set to be a major driver. As noted in a recent Current Affairs March 2025 report, B2B payment trends are closely watched by financial leaders. See how real-time payments work for business on Tide’s platform.

6) Real-time B2B payments predicted to replace $18.9 trillion in ACH/check payments by 2028

By 2028, real-time payments are expected to replace as much as $18.9 trillion in business transactions that currently use ACH and checks. This shift could impact payment processing costs and cash flow for many companies.

Moving to instant payments means fewer delays compared to traditional methods. Businesses can read about real-time payments predicted growth for more details.

Learn how this trend compares to wider B2B payment growth in the B2B payments to reach $124 trillion globally forecast.

7) Over 70 countries support real-time digital payments

Real-time payments are now available in more than 70 countries. These systems help businesses move money faster and improve cash flow.

Transaction volume is reaching new highs each year. In 2025, real-time payment systems processed $195 billion in transactions, with growth expected to continue. Details on the expansion can be seen in the global real-time payments market.

Businesses that work globally are gaining from the rise in real-time payments world map coverage. This support allows quicker settlement and better financial control.

8) Real-time payment transactions volume grew 63% year-on-year recently

Real-time payment transactions in the B2B sector saw a 63% year-on-year growth rate. This sharp increase signals that more companies are adopting faster payment methods to meet business demands.

Over 70 countries have adopted real-time digital payments, showing that this trend is global. For more details, see these B2B payment solutions trends, data & insights.

Read about the B2B digital payment market size and growth for a closer look at adoption rates.

9) North America holds 42.91% share of the real-time payments market in 2024

In 2024, North America controls 42.91% of the global real-time payments market. This region leads for immediate account-to-account transactions, making it a key area for payment service providers and businesses.

Companies operating in North America benefit from advanced payment infrastructure and strong adoption rates. To learn more about how real-time payments can support B2B operations, review recent market details.

For more strategies on improving B2B transactions, explore related ecommerce content.

10) Deloitte projects B2B real-time payments could exceed $37 trillion by 2028

Deloitte estimates that instant payment platforms could move more than $37 trillion away from checks and ACH in the United States by 2028. This shift demonstrates the growing demand for speed and efficiency in business transactions.

Companies tracking these changes can view more detailed B2B real-time payments predictions from Deloitte. For a global perspective on this trend, see how B2B payments will grow to $124 trillion by 2028.

11) 96% of manufacturing firms show interest in real-time payment adoption

A recent study states that 96% of manufacturing companies expect to use real-time payments for outgoing payments instead of paper checks. This points to a rapid shift in how manufacturers handle business transactions.

For more data on real-time payments adoption trends, companies can review industry-specific research. Businesses in other sectors can also gain insights from 2025 payment trends for B2B companies.

12) Smartphone proliferation drives real-time payments market growth

A rising number of employees now use smartphones to manage invoices and approve payments from anywhere. This access helps companies process B2B payments much faster.

Studies show that high smartphone penetration is a key factor leading to increased adoption of real-time payments in B2B.

The trend is expected to continue as more businesses use mobile devices to streamline their payment processing.

13) Cloud-based payment solutions boost real-time payments speed and efficiency

Cloud-based payment solutions allow businesses to process B2B payments quickly and securely. These platforms offer scalability, which helps companies handle higher payment volumes without slowing down.

Firms that shift to cloud-based systems can improve real-time payment efficiency across operations. A recent analysis from EY found banks depend on scalable platforms for digital and real-time payments.

Visit our guide on real-time payments driving disruptive innovation for more information.

14) B2B digital payments market expected to grow at 9% CAGR through 2033

The B2B digital payments market is predicted to increase at a compound annual growth rate of about 9% until 2033. This growth indicates a rising shift among businesses to adopt faster and more efficient payment methods.

By 2033, market revenue may reach nearly $2.94 trillion, up from $1.47 trillion in 2025. For a more detailed breakdown, see this B2B payments market statistics & trends chart. Companies wanting to streamline payment processes should monitor these real-time payment trends in B2B closely.

15) US real-time payments accounted for 1.2% of total payments volume in 2022

In 2022, real-time payments made up just 1.2% of the total payments volume in the United States. This figure shows that businesses still rely heavily on other forms of payment for B2B transactions.

Despite the low percentage, adoption is growing quickly. Companies looking to improve efficiency should monitor B2B payment trends for signs of increased usage.

The global landscape shows a much higher adoption rate compared to the US share of real-time payments volume, as confirmed by growth in real-time payments.

16) Increasing internet access fuels digital payments expansion globally

Wider internet access is making it possible for more businesses to use real-time digital payment methods. Companies can now send and receive payments quickly using online platforms.

As internet service grows, even in developing regions, digital transaction volumes have sharply increased. The 2023 McKinsey report notes this global shift in electronic payments transaction volumes.

Reliable internet access has become a basic need for companies who want to stay competitive with digital payments adoption.

17) Open banking and APIs accelerate B2B real-time payments innovation

Open banking and APIs are now streamlining digital B2B payments. They allow instant, account-to-account transactions without the delays often seen in traditional bank transfers. This efficiency helps businesses pay suppliers and partners quickly, improving cash flow.

Many firms are adopting open banking APIs for B2B payments for real-time access to financial data. This makes payment processing faster and reduces manual errors. Learn more about trends in real-time payment growth.

Key Drivers of Real-Time Payments Growth

Rapid improvements in technology and shifts in payment preferences are reshaping how businesses transfer money. Greater efficiency, transparency, and certainty are now core requirements in B2B payment processes.

Technological Innovations Transforming B2B Transactions

Modern B2B payment systems have adopted cloud-based solutions and robust APIs, making it possible to process and settle transactions instantly. These features support greater automation and enable direct integration with accounting and ERP systems. The adoption of real-time payments reduces manual tasks, cuts down on errors, and allows businesses to manage cash flow more accurately.

Mobile technology and high smartphone usage have sped up the switch to faster payments. Additionally, APIs allow businesses to offer payment options with better visibility and control. According to Grand View Research, the high use of mobile devices and cloud solutions has played a major part in growing the real-time payments market. This tech-driven environment helps businesses cut latency, lower costs, and deliver better service to clients and partners.

For further technical details on real-time payment trends and data, see the in-depth table of market leaders in the internal guide to instant payments research report.

Changing B2B Payment Expectations

Business buyers and suppliers expect immediate processing and settlement. Delays in accounts receivable and payable can threaten liquidity and create friction in supplier relationships. Real-time payments answer these issues by providing instant fund transfers and real-time transaction tracking.

B2B decision-makers are increasingly favoring payment solutions that deliver transparency, reduce disputes, and help meet tight project deadlines. Batch processing and checks are losing favor as firms prioritize speed, risk reduction, and higher productivity. The 2023 McKinsey Global Payments Report notes a persistent move towards electronic payments and lower-fee instruments, which is changing how companies approach payment execution.

Instant payments can lead to fewer payment delays, improved working capital management, and better forecasting. As expectations keep rising, firms that invest in fast and transparent payment options increase their value in the market and build trust with their business partners.

Industry Impact and Adoption Trends

B2B companies are quickly adopting real-time payments to meet demands for instant transactions and efficient cash flow. Growth is driven by both shifting preferences across industries and the ongoing rollout of new digital payment rails.

Sector-Specific Adoption in B2B Payments

Sectors like manufacturing, logistics, and wholesale trade are leading the shift to real-time payments due to a need for rapid settlement. These industries often manage large invoices and rely on tight supply chains, so speed and reliability are crucial.

Finance departments report fewer late payments and better reconciliation when real-time payments are used. According to Deloitte, real-time payments in the United States saw a 69% year-over-year increase, reflecting how business users are moving away from traditional wires and checks for faster B2B payment solutions.

Early adopters also benefit from enhanced visibility, easier vendor management, and fewer disputes. Real-time payments help streamline both account payables and receivables, reducing the risk of errors common with manual processing.

Cross-Border Real-Time Payments Expansion

Global trade partners are asking for instant settlement and transparent fees. Cross-border real-time payments are responding to this demand, and the market is growing rapidly where businesses need quick and predictable transfers.

The real-time payments market is forecasted to expand at a 35.5% compound annual growth rate from 2023 to 2030, fueled by international B2B use cases and increasing global real-time payments adoption. API-driven integrations and cloud-based solutions are making it easier for multinational companies to send and receive funds across borders.

Features like irrevocable transfers and automatic compliance checks further support time-sensitive business relationships that depend on fast cross-border transaction settlement. This growth is setting new expectations for how global enterprises manage payments and liquidity.

Frequently Asked Questions

Real-time B2B payments have become a significant part of business transactions worldwide. Data shows major increases in transaction volume, changing industry leaders, and notable regional trends.

What has been the percentage increase in real-time B2B payment transactions over the past five years?

The number of real-time B2B payment transactions has grown rapidly, driven mainly by digital solutions and the shift away from paper-based systems. Some reports estimate annual growth rates over 30% during the last five years, reflecting widespread business adoption.

For deeper statistics, visit the Grand View Research report on real-time payments market size and trend.

How does the market size of real-time B2B payments compare to traditional payment methods?

In 2024, the B2B payments market reached $1.355 trillion, outpacing many traditional payment processing methods in value. Rapid growth in real-time payments means they are capturing a larger market share from checks, ACH, and manual payment rails.

For a breakdown of 22 B2B payment statistics and trends in 2024, Fit Small Business provides more detail.

What are the projections for B2B payments transactional value in the coming years?

B2B payments are projected to almost double from $1.355 trillion in 2024 to $2.943 trillion by 2033. This sustained growth is enabled by greater demand for instant settlement and improved integration across business platforms.

Global real-time payments market size and share forecasting points to a CAGR above 35% during this time period.

Which industries are leading the adoption of real-time payments in the B2B sector?

Manufacturing and wholesale businesses are among the top adopters of real-time payments in B2B. Recent research shows up to 96% of manufacturing firms are either using or planning to implement real-time payment methods soon.

Detailed vertical trends can be found in this real-time payments market analysis and growth report.

What impact has real-time payment technology had on global B2B payment efficiency?

Widespread real-time payment technology has shortened settlement times from several days to seconds. This helps businesses manage cash flow better, reduce labor costs, and minimize reconciliation errors compared to traditional solutions.

For an overview of current B2B payments statistics and operational impact, visit B2B payment statistics and trends in 2024.

How do regional differences affect the adoption and growth of real-time B2B payments?

North America holds the largest real-time payments market share, accounting for over 42% in 2024. However, Asia is catching up fast due to government backing, infrastructure investments, and a large base of digital-first businesses.

Further reading about global real-time payments market size and growth trends can give specific regional insights.

This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.