Germany B2B Payments Market Size & Outlook, 2025-2033

Germany B2b Payments Market Size

The Germany B2B Payments Market size was valued at USD 113.34 Billion in 2024 and is expected to reach from USD 122.74 Billion in 2025 to USD 251.57 Billion by 2033, growing at a CAGR of 8.3% during the forecast period (2025–2033). 

Business-to-business (B2B) payment promotes safer transactions for merchants requiring recurring, periodic transactions and offers a variety of tasks to end users, including accounts receivable, accounts payable, payroll, and acquisition departments. It may involve a one-time or recurring transaction based on the buyer and seller's contractual arrangement. Business-to-business (B2B) payments are more complex than business-to-consumer (B2C) payments because B2B payment processing takes longer to approve and settle the transaction.

Increasing digitalization and automation in the B2B payment system have increased its demand among business owners for networking and connecting with various suppliers, distributors, and retailers worldwide. In addition, the expansion of global trade and the increase in cross-border transactions involving many suppliers, wholesalers, retailers, and businesses are the primary forces propelling the global market. However, a rise in commercial payment fraud and the closure of some companies due to the COVID-19 epidemic is expected to hinder market growth. On the contrary, developments in transparency across B2B payments and a rise in partnerships between B2B payment operators and FinTech titans are projected to offer attractive growth prospects for the market.

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Germany B2b Payments Market Growth Factors

Expanding Retail Section

The retail industry is one of Germany's top three industries. Consequently, the retail sector offers opportunities for new business, trading, and investment. The German payment market is evolving in tandem with changing consumer behavior. Mobile payments, internet banking, instant payments, and government growth initiatives influence the country's payment market.

Additionally, Germans spend a substantial portion of their income on categories such as food, beverages, tobacco, clothing, footwear, cosmetics, body care products, furniture, household appliances, and leisure items such as watches and accessories. Additionally, various payment checkout solutions provided by leading retail market players in the region are accelerating the expansion of the retail industry.

Market Restraint

Business Losses and Discontinuation Reduces B2b Payments

As a result of the COVID-19 pandemic, B2B payment has decreased due to company losses caused by a downturn in demand for products and services, a shift in client preferences, and other factors. In addition, the cessation of operations across various industrial verticals and the limited trading of products and services are significant factors restraining market growth. In addition, several businesses need more finances to pay their suppliers, which hinders the expansion of the B2B payment sector.

Market Opportunity

High E-Commerce Proliferation and Rising Adoption

In recent years, increasing online shoppers have contributed to rapidly expanding e-commerce in this region. For instance, according to EUROSTAT, 51% of 16-to-74-year-olds in the European Union ordered or purchased goods and services online in 2016, which increased to 66% by 2021. Numerous online stores and E-commerce platforms in Germany accept credit cards and PayPal. Many e-commerce websites receive invoices and buy now/pay later options. With so many benefits, e-commerce businesses provide simple payment checkout options. The E-commerce market is anticipated to expand further during the forecast period.

Regional Insights

By 2030, Germany B2B payments market is anticipated to be worth USD 157 billion with a CAGR of worth 8.3% over the forecast (2022-2030).

Payment Type Insights

In Germany, the B2B Payment Industry is segmented into five categories: Payment Type, Payment Mode, Payment Method, Enterprise Size, and Industry Vertical.

Germany B2B Payments Market is categorized into payment type as domestic payments and cross-border payments. The domestic payments segment earns the maximum share of the market.

Payment Mode Insights

Germany B2B Payments Market is categorized into payment mode as traditional and digital. The traditional segment dominates the market share.

Payment Method Insights

Germany B2B Payments Market is categorized into payment method as ACH, wire, cheque, cash, demand draft and credit card. The ACH segment earns the maximum market share.

Enterprise Size Insights

Germany B2B Payments Market is categorized into enterprise size as large enterprises, medium-sized enterprises, and small-sized enterprises. The large enterprise segment earns the maximum share of the market.

Industry Vertical Insights

Germany B2B Payments Market is categorized into industry vertical as manufacturing, IT and telecom, metals and mining, energy and utilities, BFSI, and others. The manufacturing segment is the most dominating sub-segment of the market.

List of key players in Germany B2B Payments Market

1. Mastercard Inc.
2. Visa Inc.
3. Girocard
4. PayPal
5. Apple Pay (Apple Inc.)
6. Amazon Pay (Amazon.com, Inc.)
7. American Express Company
8. Payback Pay
9. Paydirekt GmbH
10. Billie

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Recent Developments

• April 2022- German fintech startup SaveStrike intended to release a new mobile banking application to assist millennials in investing in capital markets. The application will be divided into four sections to make spending, saving, and investing simple and interconnected. SaveStrike will provide access to a current account and custody account within a single app and separate savings accounts. SaveStrike Pay will offer the standard current account features, such as transfers, standing orders, QR code payments, ATM search, and card settings.
• December 2021- PayPal partnered with PACE Telematics to enable mobile payments directly at gas pumps in Germany. In addition to paying with their smartphones, customers can, for the first time in Europe, also use their Apple Watch or Android smartwatch to complete the transaction.