Key Participants in a Payment Transaction 2024

How Acquirers, Networks, and Issuers Are Impacting the Payments Ecosystem

Report by David Morris  | UPDATED: Mar 31, 2024

The Payments Ecosystem 2024

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The Key Trends Changing How Providers Compete for Customers and Transactions

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Executive Summary
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Table of Contents
Executive Summary
Payment transaction participants must keep up with the relentless pace of change
Merchant acquiring is undergoing a software revolution
Payment networks are seeking speed and confronting payment method choice
Issuers face threats amid a cloud-based opportunity
Sources
Media Gallery
About This Report
Acquirers, networks, and issuers each play distinct roles in the payments purchasing chain. But those roles are shifting as providers adapt to the rise of software and value-added services, increased payment method choice, and cloud-based innovation.
Topics
Payments
Financial Services
US
Table of Contents
Executive Summary
Payment transaction participants must keep up with the relentless pace of change
Merchant acquiring is undergoing a software revolution
Payment networks are seeking speed and confronting payment method choice
Issuers face threats amid a cloud-based opportunity
Sources
Media Gallery

Acquirers, networks, and issuers play critical roles in bringing a payment from the point of sale to settlement. Diving into those roles, the revenues they generate as well as the challenges and opportunities they face reveal where the US payments industry is headed.

Key Question: What factors are impacting key payments industry stakeholders in a payment transaction?

The Key Participants in a Payment Transaction
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Key Stat: Global payments industry revenues will grow 6.2% annually between 2022 and 2027, hitting $2.2 trillion, per Boston Consulting Group. Acquirers, networks, and issuers will lead growth as they innovate to meet shifting demands and compete for emerging opportunities.

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Table of Contents

  1. Executive Summary
  2. Payment transaction participants must keep up with the relentless pace of change
  3. Merchant acquiring is undergoing a software revolution
  1. Payment networks are seeking speed and confronting payment method choice
  2. Issuers face threats amid a cloud-based opportunity
  3. Sources
  1. Media Gallery

Charts in This Report

The Key Participants in a Payment TransactionPayment Providers That Earn Credit Card Discount Rate Revenues
Total Projected US Consumer Credit Card Revenues, 2022 (billions)Merchant Acquiring Revenues Worldwide, 2022 & 2027 (billions and CAGR)
Issuer Revenues Worldwide, 2022 & 2027 (billions and 5-year CAGR)

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First Published on Feb 23, 2024

authors

David Morris

Contributors

Grace Broadbent
Analyst
Suzy Davidkhanian
Principal Analyst, Retail & Ecommerce
Tyler Van Dyke
Account Manager