The Business Research Company’s Fintech as a Service (FaaS) Global Market Report 2025 – Market Size, Trends, And Forecast 2025-2034

LONDON, GREATER LONDON, UNITED KINGDOM, December 23, 2025 /EINPresswire.com/ -- The fintech-as-a-service (FaaS) market is dominated by a mix of global fintech leaders, cloud technology providers, and agile digital-native innovators. Companies are focusing on API-driven financial modules, scalable cloud infrastructures, and embedded finance capabilities to strengthen market presence and meet the rising demand for seamless, integrated financial services. Understanding these dynamics is essential for stakeholders seeking growth opportunities, competitive differentiation, and strategic collaboration across the rapidly expanding FaaS ecosystem.

Which Market Player Is Leading the Fintech as a Service (FaaS) Market?
According to our research, PayPal Holdings, Inc led global sales in 2023 with a 4% market share. The Transaction revenues of the company is partially included in the fintech-as-a-service (FaaS) market, provides payment processing, digital wallets, and merchant solutions for the Financial Technology as a Service market. The company enables businesses to accept multiple payment methods, supports global e-commerce, and offers fraud prevention tools for secure transactions.

How Concentrated Is the Fintech as a Service (FaaS) Market?
The market is fragmented, with the top 10 players accounting for 10% of total market revenue in 2023. This level of fragmentation reflects the industry’s fast-moving innovation cycles, varying regional regulations, and the low barriers for digital-native entrants delivering niche FaaS capabilities. As adoption of embedded finance, real-time payments, and cloud-native financial infrastructure accelerates, consolidation, strategic alliances, and platform integrations are expected to strengthen the position of leading players while enabling broader ecosystem growth.
• Leading companies include:
o PayPal Holdings, Inc. (4%)
o Mastercard Inc. (2%)
o Fiserv, Inc. (1%)
o Block Inc. (1%)
o Stripe Inc (0.3%)
o Adyen N.V (0.3%)
o Finastra (0.3%)
o Revolut Group Holdings Ltd (0.3%)
o Visa Inc. (0.1)
o Envestnet, Inc. (0.1%)

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Which Companies Are Leading Across Different Regions?
• North America: Alkami Technology, Intrepid Credit Union, Grupo Financiero Banorte, Clara, Royal Bank of Canada (RBC), Fig Financial Inc, Munich Re, Fidelity Information Services (FIS), Estu, The Bank of New York Mellon Corporation, U.S. Agency for International Development (USAID), Franklin Resources Inc, Brookfield Asset Management Inc, Hannover Life Reassurance Company, Citigroup Inc, Visa Inc, Stripe Inc, Block Inc, Chime Financial Inc, Global Payments Inc, NCR Corporation, Green Dot Corporation, and Envestnet Inc are leading companies in this region.

• Asia Pacific: Nium, Square (Block, Inc.), Airwallex, Ant Group, LianLian DigiTech, OneConnect Financial Technology Co. Ltd, Infcurion, Inc, WealthNavi, Prospa, Zip Co Limited, Raiz Invest Limited, Zeller, Rich Data Co, Sarvatra Technologies Pvt. Ltd, Zeta Global, Infibeam Avenues Limited, Mintoak Innovations Pvt. Ltd, GoTo Financial, Funding Societies, Akulaku, Red Dot Payment, WeLab Limited, Jirnexu Sdn Bhd, Koscom, Kakao Pay, Fin2B, Finastra, Xero Limited, Paytm, WeChat Pay, Open Financial Technologies Pvt. Ltd, Broadridge Financial Solutions, Inc, AMP Limited, Basiq, WeBank, Fukuoka Financial Group, Zero Bank Design Factory Co, Ltd, Hong Kong Monetary Authority, PhonePe Private Limited, State Bank of India, Axis Bank Limited, Mahindra Finance, Webcash Global Co, Ltd, Kona I Co, Ltd, Woori Bank Vietnam Limited, Hitachi Payment Services Private Limited, Woori Financial Group, HSBC Financial Services Fund, DBS Bank, Smartpay, Reserve Bank of India, Orient Corporation, and Kobble are leading companies in this region.

• Western Europe: PayPal Holdings, Inc, Mastercard Incorporated, Upstart Holdings, Rapyd Financial Network Ltd, Railsr, Synctera, The Currency Cloud Limited, Mambu, Stripe, Thought Machine, Revolut Ltd, N26 Bank AG, Zettle by PayPal, PayU, Klarna Bank AB, OpenPayd, Adyen N.V, Finastra, HSBC Holdings plc, Temenos AG, Coinbase Global, Inc, Worldline SA, Broadridge Financial Solutions, Inc, Open Payment Technologies Ltd, Fintech Farm Ltd, Paywiser, Ribbon Plc, Deutsche Bank AG, Unblu Inc, Brite Payments, Ibercaja Banco S.A, Trustly AB, Commerzbank AG, Fneek, Conferma Pay, and Finom are leading companies in this region.

• Eastern Europe: PJSC Sberbank, PayPal Holdings, Inc, DotPay, Przelewy24, Tap2Pay, eCard S.A, Verestro S.A, Sberbank Rossii PAO, Transfond, VeloBank, Raisin Bank AG, Salt Bank, Smart Fintech S.R.L, and Fairown are leading companies in this region.
• South America: Nubank (Nu Holdings Ltd.), Creditas Soluções Financeiras, PagSeguro Digital Ltd, EBANX Ltda, Asaas Gestão Financeira, Kanastra, BNA+ (Banco de la Nación Argentina Plus), and Visa Inc are leading companies in this region.

What Are the Major Competitive Trends in the Market?
• Innovative Payment Solution Expanding JCB Card Acceptance For Global Merchants are focusing on developing innovative advance card acceptance solutions to enhance digital payment accessibility for merchants.
• Example: Soft Space Sdn Bhd JCB Payment Gateway (April 2024) provides warranty extensions ranging from 5 to 10 years or up to 200,000 kilometers, protecting vehicles from mechanical breakdowns and electrical failures.
• This innovation solution streamlines payment integration through an application programming interface (API), allowing acquirers and facilitators to connect with JCB’s vast network without direct infrastructure setup.

Which Strategies Are Companies Adopting to Stay Ahead?
• Expanding API-driven financial modules to enhance service integration and partner onboarding
• Scaling cloud-native infrastructure to deliver high-performance, secure, and globally deployable financial services
• Investing in advanced fraud detection, identity verification, and real-time compliance automation
• Focuses on expanding its business capabilities through innovative product launch to expand its operational capabilities.

Access the detailed Fintech As A Service (FaaS) Market report here:
https://www.thebusinessresearchcompany.com/report/fintech-as-a-service-faas-global-market-report

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The Business Research Company
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