Global Electronic Bill Presentment and Payment Market
Electronic Bill Presentment and Payment Market

Report ID: SQMIG45F2064

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Electronic Bill Presentment and Payment Market Size, Share, and Growth Analysis

Global Electronic Bill Presentment and Payment Market

Electronic Bill Presentment and Payment Market By Product (Electronic Bill Presentment, Electronic Bill Payment), By Deployment Model (Cloud-Based Solutions, On-Premises Solutions), By Enterprise Size, By Channel, By Payment Channel, By Application, By End Use Industries, By Region - Industry Forecast 2026-2033


Report ID: SQMIG45F2064 | Region: Global | Published Date: November, 2025
Pages: 242 |Tables: 91 |Figures: 76

Format - word format excel data power point presentation

Electronic Bill Presentment and Payment Market Insights

Global Electronic Bill Presentment and Payment Market size was valued at USD 27.91 Billion in 2024 and is poised to grow from USD 30.78 Billion in 2025 to USD 67.43 Billion by 2033, growing at a CAGR of 10.3% during the forecast period (2026–2033).

Electronic bill presentment and payment (EBPP) is a process for allowing bills to be created, delivered and paid via online. It is the term for when a company sends or presents certain bills to customers electronically; and then customers pay those bills automatedly by using the internet. It is also called e-billing, e-invoicing, and others.

The industries which primarily use electronic bill presentment and payment are telecommunications, financial services, and utility companies. The two common models for electronic bill presentment are the direct model, and consolidator or bank aggregator model of electronic bill presentment. The increasing awareness of using e-bill payment systems and rising significance on transaction transparency, convenience, & time-saving choices are some factors positively affecting the growth of the electronic bill presentment and payment market.

US Electronic Bill Presentment and Payment Market is poised to grow at a sustainable CAGR for the next forecast year.

Market snapshot - 2026-2033

Global Market Size

USD 25.3 billion

Largest Segment

Mobile

Fastest Growth

Mobile

Growth Rate

10.3% CAGR

Global Electronic Bill Presentment and Payment Market, 2026-2033 ($ Bn)
Country Share for North America Region- 2025 (%)

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Electronic Bill Presentment and Payment Market Segments Analysis

Global Electronic Bill Presentment and Payment Market is segmented by Product, Deployment Model, Enterprise Size, Channel, Payment Channel, Application, End Use Industries and region. Based on Product, the market is segmented into Electronic Bill Presentment, Electronic Bill Payment and Electronic Bill Posting. Based on Deployment Model, the market is segmented into Cloud-Based Solutions and On-Premises Solutions. Based on Enterprise Size, the market is segmented into Small and Medium Enterprises (SMEs) and Large Enterprises. Based on Channel, the market is segmented into Application Programming Interface (API), Mobile Applications, Web Portals, Email-Based Billing, Interactive Voice Response (IVR) and Others. Based on Payment Channel, the market is segmented into Digital Payment Channels, Mobile Payment Channels and Offline Payment Channels. Based on Application, the market is segmented into Billers, Consumers, Bill Consolidators and Banks & Financial Institutions. Based on End Use Industries, the market is segmented into BFSI (Banking, Financial Services, and Insurance), Healthcare, IT & Telecom, Retail and E-Commerce, Education, Media & Entertainment, Manufacturing, Government and Public Sector and Others. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa. 

Electronic Bill Presentment and Payment Market Analysis by Product

Based on product, electronic bill presentment and payment market is segmented into biller-direct EBPP, and consolidated EBPP. In the biller-direct EBPP segment, the billing company is allowed to deliver the bill to the customer via their own website or a third-party website.

In the consolidated EBPP segment, the bills from multiple companies are sent to one website; and these are aggregated and presented to the customer to pay online.

Electronic Bill Presentment and Payment Market Analysis by Channel

Based on type, electronic bill presentment and payment market is segmented into mobile, websites, IVR, and others. The mobile segment registered the highest market share of 49.8% in 2021, and is also expected to grow with the highest CAGR of 10.1%. The user-friendly apps and wallets made it convenient for the easy and fast payments keeping the physical debit & credit cards out of use.

Global Electronic Bill Presentment and Payment Market By Channel, 2025 (%)

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Electronic Bill Presentment and Payment Market Regional Insights

North America dominated the global electronic bill presentment and payment (EBPP) market in 2021 due to the highly developed EPBB Market in terms of total submissions and payment tools, retailers, and bidders.  The most developed market is in the United States for EBPP, the sellers and end-users have widely adopted these solutions and mobile payment is considered as a preferred mode of payment.

In Asia Pacific (APAC), the increased use of the internet with the growing use of smartphones has tremendously helped in doing smooth digital payments. In developing countries, internet and smartphone growth trends have given good benefits in smooth digital payments. In countries like India, e-commerce sales are growing at a rapid rate with the development of digital payment information. The fastest-growing internet speed such as 4G, 5G and other technological advances in Internet services help businesses pay their bills online seamlessly; and in turn, benefitting to the growth of the global electronic bill presentment and payment market over the given forecast period.

Global Electronic Bill Presentment and Payment Market By Geography, 2026-2033
  • Largest
  • Fastest

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Electronic Bill Presentment and Payment Market Dynamics

Electronic Bill Presentment and Payment Market Drivers

Efficient and Faster Services to Boost Market Growth

  • The increasing adoption of electronic bill payment solutions by many organizations to smoothly help the customers in managing their expenditures and optimize the management of the human resources for minimizing the operational costs & good profitability is, however, assumed to augment the growth of the EBPP market during the forecast period.
  • The increasing use of smartphones with high internet access such as commonly used 4G services, and now 5G is a significant factor driving the EBPP market. The mobile internet access helps customers to access their destination at various payment sites. Moreover, it facilitates customers to do multiple tasks such as debit & credit card payments, online bank transfers, and fast access to the email accounts. 

Electronic Bill Presentment and Payment Market Restraints

Lack of Skilled Labour to Hinder Market Growth

  • The application of the traditional payment process of bills coupled with the lack of cooperation by banks may hinder the market growth. Cheques and paper bills are being used by consumers in several developing countries as they mostly prefer to have hard copies of the bill payment receipts because of less trust in using third-party websites.

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Electronic Bill Presentment and Payment Market Competitive Landscape

Global electronic bill presentment and payment market is highly competitive and somewhat fragmented. To maintain a competitive edge, the major industry participants are continually implementing various growth strategies. Innovations, mergers, and acquisitions, collaborations and partnerships are adopted by these players to thrive in the competitive market. In order to provide industries with the most effective and economical solutions, the major market players are also continually concentrating on R&D.

Top Players in Electronic Bill Presentment and Payment Market

  • ACI Worldwide
  • Fiserv, Inc.
  • Mastercard (Mastercard Bill Pay Exchange)
  • Deluxe Corporation
  • FIS (Fidelity National Information Services)
  • PayPal
  • Oracle (Oracle Bill Management)
  • SAP SE
  • CSG Systems International
  • Western Union
  • Stripe
  • Intuit Inc.
  • Bill.com
  • Paytm
  • Zelle (Early Warning Services)
  • Ebix Inc. (EbixCash)
  • Paysafe Group
  • Worldline
  • Square, Inc. (Block, Inc.)
  • GoCardless

Electronic Bill Presentment and Payment Market Recent Developments

  • In February 2022, a merchant service technology company, named Aliaswire, partnered with Mastercard, for the integration of its Direct Biller payment platform with Mastercard Bill Pay ExchangePagero AB- Pagero AB has built an open network for providing end-to-end online communication for businesses. 

Electronic Bill Presentment and Payment Key Market Trends

Electronic Bill Presentment and Payment Market SkyQuest Analysis

SkyQuest's ABIRAW (Advanced Business Intelligence, Research & Analysis Wing) is our Business Information Services team that Collects, Collates, Co-relates, and Analyses the Data collected utilizing Primary Exploratory Research backed by the robust Secondary Desk research.

According to our global electronic bill presentment and payment market analysis, Customer demand for electronic bill presentation and payment market is growing quickly, as customers become more comfortable with the technology. The most important factor of using electronic bill presentment and payment systems is that they can facilitate e-payments, which is that customers can swiftly pay bills using their personal bank accounts or credit cards.

It is also observed that the businesses which use electronic bill presentment and payment systems can save up to 42% on processing costs. The growth of the electronic bill presentation and payment industry is dedicated to the increase in e-commerce and mobile payments. In addition, there is increasing adoption of blockchain technology for digital payments.

Report Metric Details
Market size value in 2024 USD 27.91 Billion
Market size value in 2033 USD 67.43 Billion
Growth Rate 10.3%
Base year 2024
Forecast period 2026-2033
Forecast Unit (Value) USD Billion
Segments covered
  • Product
    • Electronic Bill Presentment ,Electronic Bill Payment ,Electronic Bill Posting
  • Deployment Model
    • Cloud-Based Solutions ,On-Premises Solutions
  • Enterprise Size
    • Small and Medium Enterprises (SMEs) ,Large Enterprises
  • Channel
    • Application Programming Interface (API) ,Mobile Applications ,Web Portals ,Email-Based Billing ,Interactive Voice Response (IVR) ,Others
  • Payment Channel
    • Digital Payment Channels (Debit Cards; Credit Cards; Digital Wallets ,Net Banking) ,Mobile Payment Channels (Mobile Banking Apps; USSD-Based Payments) ,Offline Payment Channels (Over-the-Counter Payments; Cheques)
  • Application
    • Billers ,Consumers ,Bill Consolidators ,Banks & Financial Institutions
  • End Use Industries
    • BFSI ,Healthcare ,IT & Telecom ,Retail and E-Commerce ,Education ,Media & Entertainment ,Manufacturing ,Government and Public Sector ,Others
Regions covered North America (US, Canada), Europe (Germany, France, United Kingdom, Italy, Spain, Rest of Europe), Asia Pacific (China, India, Japan, Rest of Asia-Pacific), Latin America (Brazil, Rest of Latin America), Middle East & Africa (South Africa, GCC Countries, Rest of MEA)
Companies covered
  • ACI Worldwide
  • Fiserv, Inc.
  • Mastercard (Mastercard Bill Pay Exchange)
  • Deluxe Corporation
  • FIS (Fidelity National Information Services)
  • PayPal
  • Oracle (Oracle Bill Management)
  • SAP SE
  • CSG Systems International
  • Western Union
  • Stripe
  • Intuit Inc.
  • Bill.com
  • Paytm
  • Zelle (Early Warning Services)
  • Ebix Inc. (EbixCash)
  • Paysafe Group
  • Worldline
  • Square, Inc. (Block, Inc.)
  • GoCardless
Customization scope

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  • Segments by type, application, etc
  • Company profile
  • Market dynamics & outlook
  • Region

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Table Of Content

Executive Summary

Market overview

  • Exhibit: Executive Summary – Chart on Market Overview
  • Exhibit: Executive Summary – Data Table on Market Overview
  • Exhibit: Executive Summary – Chart on Electronic Bill Presentment and Payment Market Characteristics
  • Exhibit: Executive Summary – Chart on Market by Geography
  • Exhibit: Executive Summary – Chart on Market Segmentation
  • Exhibit: Executive Summary – Chart on Incremental Growth
  • Exhibit: Executive Summary – Data Table on Incremental Growth
  • Exhibit: Executive Summary – Chart on Vendor Market Positioning

Parent Market Analysis

Market overview

Market size

  • Market Dynamics
    • Exhibit: Impact analysis of DROC, 2021
      • Drivers
      • Opportunities
      • Restraints
      • Challenges
  • SWOT Analysis

KEY MARKET INSIGHTS

  • Technology Analysis
    • (Exhibit: Data Table: Name of technology and details)
  • Pricing Analysis
    • (Exhibit: Data Table: Name of technology and pricing details)
  • Supply Chain Analysis
    • (Exhibit: Detailed Supply Chain Presentation)
  • Value Chain Analysis
    • (Exhibit: Detailed Value Chain Presentation)
  • Ecosystem Of the Market
    • Exhibit: Parent Market Ecosystem Market Analysis
    • Exhibit: Market Characteristics of Parent Market
  • IP Analysis
    • (Exhibit: Data Table: Name of product/technology, patents filed, inventor/company name, acquiring firm)
  • Trade Analysis
    • (Exhibit: Data Table: Import and Export data details)
  • Startup Analysis
    • (Exhibit: Data Table: Emerging startups details)
  • Raw Material Analysis
    • (Exhibit: Data Table: Mapping of key raw materials)
  • Innovation Matrix
    • (Exhibit: Positioning Matrix: Mapping of new and existing technologies)
  • Pipeline product Analysis
    • (Exhibit: Data Table: Name of companies and pipeline products, regional mapping)
  • Macroeconomic Indicators

COVID IMPACT

  • Introduction
  • Impact On Economy—scenario Assessment
    • Exhibit: Data on GDP - Year-over-year growth 2016-2022 (%)
  • Revised Market Size
    • Exhibit: Data Table on Electronic Bill Presentment and Payment Market size and forecast 2021-2027 ($ million)
  • Impact Of COVID On Key Segments
    • Exhibit: Data Table on Segment Market size and forecast 2021-2027 ($ million)
  • COVID Strategies By Company
    • Exhibit: Analysis on key strategies adopted by companies

MARKET DYNAMICS & OUTLOOK

  • Market Dynamics
    • Exhibit: Impact analysis of DROC, 2021
      • Drivers
      • Opportunities
      • Restraints
      • Challenges
  • Regulatory Landscape
    • Exhibit: Data Table on regulation from different region
  • SWOT Analysis
  • Porters Analysis
    • Competitive rivalry
      • Exhibit: Competitive rivalry Impact of key factors, 2021
    • Threat of substitute products
      • Exhibit: Threat of Substitute Products Impact of key factors, 2021
    • Bargaining power of buyers
      • Exhibit: buyers bargaining power Impact of key factors, 2021
    • Threat of new entrants
      • Exhibit: Threat of new entrants Impact of key factors, 2021
    • Bargaining power of suppliers
      • Exhibit: Threat of suppliers bargaining power Impact of key factors, 2021
  • Skyquest special insights on future disruptions
    • Political Impact
    • Economic impact
    • Social Impact
    • Technical Impact
    • Environmental Impact
    • Legal Impact

Market Size by Region

  • Chart on Market share by geography 2021-2027 (%)
  • Data Table on Market share by geography 2021-2027(%)
  • North America
    • Chart on Market share by country 2021-2027 (%)
    • Data Table on Market share by country 2021-2027(%)
    • USA
      • Exhibit: Chart on Market share 2021-2027 (%)
      • Exhibit: Market size and forecast 2021-2027 ($ million)
    • Canada
      • Exhibit: Chart on Market share 2021-2027 (%)
      • Exhibit: Market size and forecast 2021-2027 ($ million)
  • Europe
    • Chart on Market share by country 2021-2027 (%)
    • Data Table on Market share by country 2021-2027(%)
    • Germany
      • Exhibit: Chart on Market share 2021-2027 (%)
      • Exhibit: Market size and forecast 2021-2027 ($ million)
    • Spain
      • Exhibit: Chart on Market share 2021-2027 (%)
      • Exhibit: Market size and forecast 2021-2027 ($ million)
    • France
      • Exhibit: Chart on Market share 2021-2027 (%)
      • Exhibit: Market size and forecast 2021-2027 ($ million)
    • UK
      • Exhibit: Chart on Market share 2021-2027 (%)
      • Exhibit: Market size and forecast 2021-2027 ($ million)
    • Rest of Europe
      • Exhibit: Chart on Market share 2021-2027 (%)
      • Exhibit: Market size and forecast 2021-2027 ($ million)
  • Asia Pacific
    • Chart on Market share by country 2021-2027 (%)
    • Data Table on Market share by country 2021-2027(%)
    • China
      • Exhibit: Chart on Market share 2021-2027 (%)
      • Exhibit: Market size and forecast 2021-2027 ($ million)
    • India
      • Exhibit: Chart on Market share 2021-2027 (%)
      • Exhibit: Market size and forecast 2021-2027 ($ million)
    • Japan
      • Exhibit: Chart on Market share 2021-2027 (%)
      • Exhibit: Market size and forecast 2021-2027 ($ million)
    • South Korea
      • Exhibit: Chart on Market share 2021-2027 (%)
      • Exhibit: Market size and forecast 2021-2027 ($ million)
    • Rest of Asia Pacific
      • Exhibit: Chart on Market share 2021-2027 (%)
      • Exhibit: Market size and forecast 2021-2027 ($ million)
  • Latin America
    • Chart on Market share by country 2021-2027 (%)
    • Data Table on Market share by country 2021-2027(%)
    • Brazil
      • Exhibit: Chart on Market share 2021-2027 (%)
      • Exhibit: Market size and forecast 2021-2027 ($ million)
    • Rest of South America
      • Exhibit: Chart on Market share 2021-2027 (%)
      • Exhibit: Market size and forecast 2021-2027 ($ million)
  • Middle East & Africa (MEA)
    • Chart on Market share by country 2021-2027 (%)
    • Data Table on Market share by country 2021-2027(%)
    • GCC Countries
      • Exhibit: Chart on Market share 2021-2027 (%)
      • Exhibit: Market size and forecast 2021-2027 ($ million)
    • South Africa
      • Exhibit: Chart on Market share 2021-2027 (%)
      • Exhibit: Market size and forecast 2021-2027 ($ million)
    • Rest of MEA
      • Exhibit: Chart on Market share 2021-2027 (%)
      • Exhibit: Market size and forecast 2021-2027 ($ million)

KEY COMPANY PROFILES

  • Competitive Landscape
    • Total number of companies covered
      • Exhibit: companies covered in the report, 2021
    • Top companies market positioning
      • Exhibit: company positioning matrix, 2021
    • Top companies market Share
      • Exhibit: Pie chart analysis on company market share, 2021(%)

Methodology

For the Electronic Bill Presentment and Payment Market, our research methodology involved a mixture of primary and secondary data sources. Key steps involved in the research process are listed below:

1. Information Procurement: This stage involved the procurement of Market data or related information via primary and secondary sources. The various secondary sources used included various company websites, annual reports, trade databases, and paid databases such as Hoover's, Bloomberg Business, Factiva, and Avention. Our team did 45 primary interactions Globally which included several stakeholders such as manufacturers, customers, key opinion leaders, etc. Overall, information procurement was one of the most extensive stages in our research process.

2. Information Analysis: This step involved triangulation of data through bottom-up and top-down approaches to estimate and validate the total size and future estimate of the Electronic Bill Presentment and Payment Market.

3. Report Formulation: The final step entailed the placement of data points in appropriate Market spaces in an attempt to deduce viable conclusions.

4. Validation & Publishing: Validation is the most important step in the process. Validation & re-validation via an intricately designed process helped us finalize data points to be used for final calculations. The final Market estimates and forecasts were then aligned and sent to our panel of industry experts for validation of data. Once the validation was done the report was sent to our Quality Assurance team to ensure adherence to style guides, consistency & design.

Analyst Support

Customization Options

With the given market data, our dedicated team of analysts can offer you the following customization options are available for the Electronic Bill Presentment and Payment Market:

Product Analysis: Product matrix, which offers a detailed comparison of the product portfolio of companies.

Regional Analysis: Further analysis of the Electronic Bill Presentment and Payment Market for additional countries.

Competitive Analysis: Detailed analysis and profiling of additional Market players & comparative analysis of competitive products.

Go to Market Strategy: Find the high-growth channels to invest your marketing efforts and increase your customer base.

Innovation Mapping: Identify racial solutions and innovation, connected to deep ecosystems of innovators, start-ups, academics, and strategic partners.

Category Intelligence: Customized intelligence that is relevant to their supply Markets will enable them to make smarter sourcing decisions and improve their category management.

Public Company Transcript Analysis: To improve the investment performance by generating new alpha and making better-informed decisions.

Social Media Listening: To analyze the conversations and trends happening not just around your brand, but around your industry as a whole, and use those insights to make better Marketing decisions.

Electronic Bill Presentment and Payment Market Report Snapshots

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FAQs

Global Electronic Bill Presentment and Payment Market size was valued at USD 27.91 Billion in 2024 and is poised to grow from USD 30.78 Billion in 2025 to USD 67.43 Billion by 2033, growing at a CAGR of 10.3% during the forecast period (2026–2033).

Global electronic bill presentment and payment market is highly competitive and somewhat fragmented. To maintain a competitive edge, the major industry participants are continually implementing various growth strategies. Innovations, mergers, and acquisitions, collaborations and partnerships are adopted by these players to thrive in the competitive market. In order to provide industries with the most effective and economical solutions, the major market players are also continually concentrating on R&D. 'ACI Worldwide', 'Fiserv, Inc.', 'Mastercard (Mastercard Bill Pay Exchange)', 'Deluxe Corporation', 'FIS (Fidelity National Information Services)', 'PayPal', 'Oracle (Oracle Bill Management)', 'SAP SE', 'CSG Systems International', 'Western Union', 'Stripe', 'Intuit Inc.', 'Bill.com', 'Paytm', 'Zelle (Early Warning Services)', 'Ebix Inc. (EbixCash)', 'Paysafe Group', 'Worldline', 'Square, Inc. (Block, Inc.)', 'GoCardless'

The increasing adoption of electronic bill payment solutions by many organizations to smoothly help the customers in managing their expenditures and optimize the management of the human resources for minimizing the operational costs & good profitability is, however, assumed to augment the growth of the EBPP market during the forecast period.

Most of the businesses shifted from traditional paper billing and payments systems to mobile bill presentment and payment is starting to acquire a prime choice in the global electronic bill presentment and payment market. These systems permit businesses to send bills and payments with a great medium of text or email, that is very convenient for customers.

North America dominated the global electronic bill presentment and payment (EBPP) market in 2021 due to the highly developed EPBB Market in terms of total submissions and payment tools, retailers, and bidders.  The most developed market is in the United States for EBPP, the sellers and end-users have widely adopted these solutions and mobile payment is considered as a preferred mode of payment.
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