BEYOND BORDERS 2025: The Future of Payments in Emerging Markets
Unlock new growth with Alternative Payments Methods
Emerging markets are transforming the future of payments. Alternative payment methods (APMs)—from instant transfers to digital wallets—are spurring major growth in digital commerce, offering businesses new ways to reach untapped customers.
Discover how emerging payment trends are shaping the future of digital commerce. Gain insights into key market shifts, data-driven predictions, and strategies for leveraging alternative payment methods for business growth.
The rise of Alternative Payments in emerging markets
Real-time payments are reshaping commerce: Countries like Brazil, India, and Poland are witnessing a rapid decline in cash usage as instant payments become the norm.
A2A transfers accelerate adoption: A2A (account-to-account) payments provide faster, more accessible transactions, transforming digital commerce at scale.
Instant payments are redefining transactions
Real-time payments like Brazil’s Pix and India’s UPI are transforming digital transactions, offering speed, security, and convenience. These systems efficiently mimic cash transactions, reducing reliance on traditional banking infrastructure and significantly boosting online commerce.
Pix: Expected to overtake credit cards as Brazil’s leading online payment method by 2025. It is already used by 91% of Brazilian adults and is five times faster than credit card transactions.
UPI Powers 55% of digital commerce in India and is projected to reach $150 billion in online transactions annually by 2027. Its adoption has led to a 40% drop in cash usage in India since 2021.
The power of digital wallets
Digital wallets are evolving beyond peer-to-peer transactions, integrating with e-commerce ecosystems and enhancing customer experiences.
Features like recurring payments, chargeback-free transactions, and built-in credit functionalities make wallets a preferred payment method for younger, digitally savvy consumers.
41% of Brazil’s online card transaction volume comes from digital issuers, showing a shift to digital-first banking.
Half of Latin America, Africa, and Southeast Asia mobile payment users don’t own a credit card, making wallets a crucial bridge to online commerce.
B2B Payments: A new digital era
Businesses are embracing instant, account-based payments like Pix and bank transfers to streamline operations. In Brazil, over 50% of B2B sales are processed through Pix, highlighting the growing adoption of efficient, low-cost alternatives to traditional corporate payments.
Key understanding includes:
B2B instant payments settle in as little as 30 minutes, compared to days with traditional bank transfers.
Alternative payments are unlocking over $50 billion in B2B transactions in Brazil alone.
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