Recent developments in the fintech industry have seen the launch of The Paypers’ Account-to-Account Payments Report 2025, providing an extensive overview of trends, players, and strategic partnerships within this sector.

Fueled by technological advancements, regulatory changes, and a rise in demand for more efficient payment methods, account-to-account (A2A) payments have emerged as a significant force. These innovations are driving growth across various regions, making A2A an integral part of the global financial ecosystem.

Expected Utilization of A2A Payments

A2A payments are poised to play a larger role in high-value transactions as consumer trust strengthens. As technology and infrastructure continue to evolve, these payment methods are likely to transition from peer-to-peer (P2P) usage to broader retail applications, potentially transforming traditional payment systems that currently dominate the market.

Report Purpose

The primary objective of The Paypers’ 2025 report is to offer a comprehensive guide through this complex landscape. Designed for various stakeholders including banks, fintech companies, payment service providers (PSPs), merchants, and policymakers, the report aims to provide valuable insights and strategic guidance in navigating A2A payments.

Key Sections of the Report

The report is structured into eight detailed sections. It begins with an overview of the current state of A2A payments before delving deeper into market readiness, consumer considerations, interoperability, and real-time payment ecosystem evolution.

A significant portion of the report focuses on the technological advancements driving A2A innovation, including Open Banking and Open Finance as catalysts. It also explores emerging technologies such as digital wallets and their potential impact on account-to-account commerce.

Regional Perspectives

The report offers regional insights into the state of A2A payment rails and real-time infrastructures, covering updates from Europe, the United States, and Canada. It also discusses merchant adoption trends and innovative use cases that are shaping the future of payments.

Addressing Concerns

A significant emphasis is placed on addressing critical concerns like fraud prevention. The report highlights how artificial intelligence (AI) can be harnessed to mitigate risks in a rapidly evolving payment environment where speed and immediacy are paramount.

Supporting Entities

The Paypers would like to express its gratitude to the supporting partners, key media partners, and collaborators for their invaluable contributions. These include 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.