APAC cross-border B2C payments hit $400b as revenue lags

This represents 18% of worldwide consumer payout flows.

Asia-Pacific’s cross-border business-to-consumer (B2C) payment flows are projected to reach $0.4t, accounting for 18% of the global total, according to FXC Intelligence. 

The region is expected to produce $7.0b in revenue, or 14% of the global share, with a take rate of 1.9%.

Globally, B2C cross-border payments are expected to reach $2.1t in flows in 2025, generating around $51b in revenue. 

The figures show that revenue from these payments varies widely by region, largely due to differences in pricing and market structure.

More than 75% of cross-border B2C flows originate from North America and Europe. 

North America alone accounts for the largest share of the market, with $0.9t in payment flows in 2025, representing 42% of the global total. 

The region is also expected to generate $30.2b in revenue, or 59% of global B2C payments revenue, with a take rate of 3.4%, the highest amongst all regions. 

Much of this activity comes from the United States, where many large digital platforms that distribute mass payouts are headquartered.

Europe is the second-largest region by payment volume, with $0.7t in flows, accounting for 35% of the global total. 

However, revenues are significantly lower relative to its volume. The region is expected to generate $10.9b in revenue, representing 21% of the global share, with a take rate of 1.5%, the lowest amongst the regions analysed. 

Analysts attribute this to a more competitive cross-border payments market, stronger payment infrastructure and a larger share of transactions occurring within the region rather than between regions.

The Middle East is forecast to handle $0.1t in flows, representing 5% of global B2C payments volume. Revenues are expected to reach $2.5b, also 5% of the global total, with a take rate of 2.7%.

Other regions represent a much smaller portion of the market. Latin America and the Caribbean are projected to see $0.02t in flows and $0.4b in revenue, both accounting for less than 1% of the global total, with a take rate of 2.9%. 

Africa is expected to record $0.01t in flows and $0.2b in revenue, also below 1% of the global share, with a take rate of 2.2%.

Overall, the global average take rate for cross-border B2C payments is expected to be around 2.4% in 2025. Differences between regions reflect variations in competition, payment infrastructure and the balance between intra-regional and inter-regional payment flows.

B2C cross-border payments, which include international payroll for workers, gig economy payouts through platforms such as Uber, and payments to social media creators, reached a total addressable market (TAM) of $2.1t in 2025.

The segment is expected to record the fastest growth across cross-border payments, rising 138% to $5t by 2033, according to industry estimates. 

This represents a compound annual growth rate (CAGR) of 11.4%. The outlook suggests faster expansion compared with previous years, when the segment grew at a CAGR of 10% between 2017 and 2025.