The Paypers has recently unveiled the Account-to-Account Payments Report 2025, which delves into essential insights concerning global trends, major players, and partnerships in the evolving landscape of A2A payments.
Taught by advances in technology, revised regulations, and a rising appetite for quicker and more cost-efficient alternatives to credit card transactions, account-to-account (A2A) payments have seen notable progress over recent years. These innovations are now central to discussions and advancements within the fintech industry.
The flourishing of A2A projects alongside real-time payment (RTP) systems across various regions, combined with successful product introductions that leverage these infrastructures like Open Banking, indicates favorable conditions for scaling new A2A use cases. This progress is expected to encourage increased usage of A2A for high-value transactions as trust among consumers strengthens.
Why this report?
The objective of the Account-to-Account Payments Report 2025 – Unlocking Potential: Insights on Global Trends, Key Players, and Partnerships is to provide a comprehensive, worldwide perspective on this payment ecosystem. Designed to aid navigators in understanding the complexities of A2A payments, it addresses critical industry inquiries and supplies strategic advice for businesses operating within this sector.
Key themes and infographics featured
The report is divided into eight sections that collectively present an all-encompassing view of the global A2A payment environment. It starts with a broad market overview of where A2A stands today before delving deeper into aspects like market readiness, consumer considerations, interoperability, and overall real-time payments system evolution.
The report then explores technologies that support A2A innovation, examining themes such as the role of Open Banking and Open Finance in driving growth – or the future of digital wallets and how they could reshape account-to-account commerce.
Subsequent sections provide regional perspectives on A2A payment systems and real-time infrastructures, giving updates on the state of A2A in Europe, the U.S., and Canada. Following these are practical insights into merchant adoption and advanced use cases that enable smarter payments.
The report also addresses fraud prevention, a significant concern given the immediacy of transactions, focusing on how AI-powered risk mitigation strategies can be used to combat A2A payment fraud.
Alongside educational articles and interviews with industry experts, the report includes two detailed infographics: one showcasing local and regional A2A schemes, and another highlighting Open Banking-based A2A payments and global technology providers. These entities are categorized by their region of activity: North America, LATAM, Europe, APAC, MEA, and globally.
Given the rapid evolution of the A2A payments sector, understanding how regulation, technological advancements, customer requirements, and other key trends drive change is crucial. Whether you are a financial institution, fintech company, payment service provider (PSP), merchant, or policymaker, we hope this report offers valuable insights into an industry advancing at unprecedented speed.
Acknowledgment
The Paypers would like to express sincere gratitude to the report’s supporting partner PCMI and key media partner MPE, as well as all collaborators: Edgar Dunn & Company, Ivy, DIMOCO, MyBank, Eastnets, Nuvei, Worldline, ISX Financial, Yaspa, Redbridge Debt and Treasury Advisory, EPI Company, Bizum, PCMI, Payments Canada, Interchecks, Eneba, MPE, and INFORM.
Download the full report and gain access to its insights by clicking HERE.
