A2A payments set to hit $195t by 2030 as data and recurring models fuel growth

By Puja Sharma

Account-to-Account (A2A) payments are on track to transform the global payments landscape, with transaction values forecasted to reach $195 trillion by 2030—a staggering 113% rise from $91.5 trillion today, according to a new report by Juniper Research. The surge reflects how real-time infrastructure, advanced data capabilities, and recurring payments are converging to unlock new possibilities for both consumers and businesses.

Real-time Rails Driving New Use Cases

The report, A2A Payments Market 2025–2030, highlights the role of real-time payment systems in expanding A2A beyond simple bank transfers. With networks now enabling instant payroll, utility settlements, and bill payments, businesses and consumers are experiencing faster and more flexible ways to move money. The ability to support programmable payments—where transactions adapt automatically to conditions—represents the next leap for automation, particularly in enterprise contexts.

Data Sharing Unlocks AI and Cash Flow Optimisation

Enhanced data-sharing underpins this shift. By embedding richer transaction data into real-time payments, businesses can leverage AI to automate workflows, streamline reconciliation, and optimise working capital. The ability to gain instant visibility into cash positions will prove transformative for B2B players managing liquidity across borders and time zones.

Thomas Wilson, Research Analyst at Juniper Research, explained, “VRPs represent a scalable recurring payment solution for businesses that will empower them to improve liquidity and optimise cash flow.” He added that recurring payment features are key to competing with entrenched methods like cards and wallets.

Recurring Payments: The Next Growth Engine

Recurring payments—particularly Variable Recurring Payments (VRPs)—are set to be a cornerstone for A2A’s evolution. VRPs allow businesses to initiate multiple future payments within pre-agreed parameters, minimising admin overhead while offering customers flexibility and control. In the UK, non-sweeping VRPs are seen as critical to unlocking adoption by giving firms a structured yet adaptable way to manage subscription and instalment-based services.

While the UK rollout has been slower than expected, global case studies point to strong uptake. In Brazil, for instance, the launch of Pix Automático has shown that once recurring A2A services are in place, adoption follows quickly, reshaping how businesses collect and manage revenues.

Targeting Emerging Markets

The report stresses that opportunities lie beyond developed economies. Emerging markets with supportive regulators and growing real-time payment rails present fertile ground for A2A growth. Vendors that align with evolving compliance frameworks while tailoring solutions to local needs will be best positioned to capitalise.

Why It Matters

The implications of A2A’s growth extend beyond payments. By combining real-time rails, richer data, and recurring capabilities, A2A is set to become the backbone for future digital finance. It can help businesses cut costs, improve liquidity, and deliver more personalised payment experiences—all while competing head-on with cards, wallets, and legacy methods.

Juniper Research’s latest dataset covers 60+ markets with 40,000+ data points, offering the most detailed assessment yet of where A2A is heading. The verdict is clear: by 2030, A2A will not only represent trillions in transaction value but will also redefine how money moves in a digital-first economy.