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The payments industry is evolving at lightning speed, driven by technological innovations and new consumer expectations. In 2025, several trends will profoundly transform the way transactions are carried out and managed. Here are the 9 major trends to follow to anticipate your company's needs and meet your customers' expectations.
1. Real-time payments
Real-time payments are becoming the norm, particularly in Europe and the USA. SEPA Instant enables transfers between European bank accounts in under 10 seconds, while FedNow in the USA promises instant transactions for individuals and businesses.
A major new development in Europe is the obligation for all banks to offer instant payments to their customers at no extra cost, in line with recent European regulations. This further democratizes access to these services, which were previously reserved for a specific clientele or subject to additional charges.
These technologies are revolutionizing B2B and e-commerce payments, reducing cash flow delays and offering a better user experience. For example, a merchant can instantly refund a dissatisfied customer, thereby strengthening brand loyalty.
2. Biometric payments: between security and simplicity
Biometric payments, based on facial recognition or fingerprints, are gaining in popularity. A study conducted by Visa reveals that 70% of consumers find biometrics easier to use than PIN codes, and 46% consider it more secure.
Players such as Verifone are integrating these technologies into their terminals, smoothing the user experience and enhancing transaction security. These innovations, which are ideal for high-traffic environments such as retail outlets, also considerably reduce fraud.
3. Open Banking: transforming direct payments
Open Banking enables payments to be made directly from the customer's bank account, eliminating the costs associated with traditional credit card networks. Solutions such as Pay by Bank simplify these payments while offering reduced costs and total transparency.
According to the European Payments Council, the adoption of Open Banking in Europe continues to grow, particularly in the e-commerce sector, where merchants are looking to reduce commissions.
4. Payment by link or QR Code: flexibility and simplicity
Link or QR Code payments are particularly popular with small businesses and services. These methods, well established in Asia via giants such as WeChat Pay or Alipay, are also appealing in Europe.
For example, a craftsman can send a payment link via SMS or email, or use a QR Code to enable rapid payment without an expensive terminal. Solutions such as those offered by Easytransac democratize these methods, ideal for the self-employed or SMEs.
5. The subscription economy: building loyalty through recurrence
Subscriptions are an unavoidable trend. Whether it's video-on-demand or monthly boxes, managing recurring payments has become essential.
Players such as Stripe and GoCardless offer dedicated tools for this type of payment, reducing the number of failed direct debits. According to Juniper Research, the subscription market could reach $275 billion by the end of 2025.
6. Hybrid payment solutions for events
Events are increasingly adopting hybrid models combining cashless and traditional payments to streamline transactions. A recent study carried out by Easytransac, based on support for some of its biggest festivals, reveals that these hybrid solutions have reduced queues by 30%, while increasing revenues by an average of 20%.
Easytransac is a key player in this field, offering solutions tailored to the needs of organizers, while guaranteeing an optimal user experience.
7. Ecological impact of payments: sustainability at the heart of innovation
Fintechs and banks are committed to a more sustainable future, offering cards made from recycled materials or energy-efficient terminals.
Initiatives such as TreeCarda transaction-financed wooden card, or Stripe Climate, which invests in carbon capture projects, show that ecology and payments can coexist.
8. Artificial intelligence: security and personalization
Artificial intelligence (AI) plays a crucial role in improving payment security and personalizing the customer experience. According to a Capgemini study, 71% of consumers want generative AI to be integrated into their shopping experiences, reflecting a growing demand for more personalized and seamless interactions.
When it comes to security, AI is essential for detecting and preventing financial fraud. For example, financial institutions such as JP Morgan Chase use AI to analyze transactions in real time, identifying anomalies and suspicious behavior, thereby significantly reducing fraudulent activity.
In addition, AI contributes to the personalization of commercial offers. One study indicates that 56% of consumers are more likely to repeat purchases from a brand that offers personalized experiences, underlining the importance of AI in building customer loyalty.
These data illustrate how AI is redefining consumer expectations of security and personalization, while inspiring various sectors to adopt these technologies to improve their services.
9. Crypto-currency payments: towards gradual adoption
Crypto-currency payments are becoming increasingly attractive, despite their volatility. Solutions such as Lyzi, BitPay or Coinbase Commerce facilitate their integration for merchants, by converting cryptos into traditional currencies.
These payments, which are particularly useful for cross-border transactions, are beginning to find their way into niches such as luxury goods and tech.
Easytransac, your partner for innovative payment solutions
Whether you're a small business, a retailer or an event organizer, Easytransac supports you with modern, customized payment solutions. In 2025, stay ahead of the trends with our flexible and secure tools.
Got a project in mind? Contact our teams today!
