Capgemini sees B2B payment volumes nearing 4 trillion by 2030
Capgemini’s B2B payments outlook projects global payment volumes to rise from 2.25 trillion in 2025 to 4 trillion by 2030. The report flags corporate demand for faster settlement and liquidity visibility, while non-bank providers, stablecoins and tokenized deposits gain traction.
What happened
Capgemini forecasts rapid global payment-volume growth, with India’s UPI among consumer-payment systems driving Asia-Pacific expansion. The report highlights
Key facts
- 21% of banks are scaling new forms of money
- 32% of corporate clients are satisfied with their primary banking partner
- Nearly 60% of corporates would consider non-bank stablecoin providers
- 36% of B2B payment volume flows through non-bank providers
- Payment volumes projected to rise from 2,250 billion in 2025 to 4,000 billion by 2030
- Cards projected to represent 44% of volume by 2030
- Instant payments and e-money projected to represent 32% by 2030
- Cross-border corporate payments take about 3.5 days
- $4 trillion tied up in nostro and vostro accounts
- $230 billion in payments revenue at risk
Why this matters
Growing adoption of instant payments, stablecoins and tokenized deposits makes treasury-tech, liquidity-management and regulated digital-money partnerships attractive targets for capability building.
What to watch
- Adoption rates of instant B2B payment schemes and request-for-payment standards.
- Commercial-card interchange changes, supplier acceptance fees and rebate economics.
- Bank and regulator frameworks for stablecoins, tokenized deposits and digital-asset settlement.
- Retailer and marketplace demand for same-day supplier payouts and real-time reconciliation.
- Cross-border payment costs, settlement times and FX volatility.
- Prioritize instant-payment acceptance and payout capabilities for supplier, seller and gig-worker ecosystems.
- Integrate real-time cash-positioning, reconciliation and liquidity forecasting into treasury workflows.
- Negotiate payment-routing economics across commercial cards, ACH/account-to-account rails and cross-border providers.
- Pilot tokenized-deposit or regulated stablecoin settlement only in high-friction cross-border corridors with strong compliance controls.