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2024 state of payments report

High-Opportunity Industries

High-opportunity industries are fast-growing,
highly profitable and have unmet payment needs.
They include:

  • Online Gaming
  • Influencer & Creator Economy
  • Online Trading
  • eCommerce & Digital Goods
  • Online Travel
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Charts and people representing the subjects of Rapyd's High-Opportunity Report.

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High-opportunity industries are worth billions in annual transaction volume. They’re bigger, more influential and growing faster than most people think. However, these industries struggle to find reliable, secure payments solutions to meet their needs.

This report is a first-of-its-kind deep dive into the challenges, trends and preferences of these high-opportunity industries as reported by business leaders within the companies reshaping commerce.

Top Factors When
Choosing Payment Providers

A chart showing top fintech trends from Rapyd's High-Opportunity Report.
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2024 High-Opportunity Industry Report

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Insights By Industry

Payment providers need to offer solutions tailored to unique challenges such as high chargeback rates, the necessity for rapid payouts and multi-currency transaction management.

Key Insights:

  • 40% of online gaming businesses are preparing for a surge in real-time payment adoption to speed up transactions and improve cash flow.
  • 36% say embedded fintech will be a top trend for their industry next year.
  • 34% expect the adoption of AI to be a growing priority in their industry next year.

Challenges include tracking commissions, ensuring timely payouts, managing global content creators and handling multi-currency transactions. Payment providers must offer platforms that accommodate these needs while ensuring compliance and supporting diverse payout methods.

Key Insights:

  • 30% expect the adoption of AI-based applications to be a growing trend next year.
  • 29% expect to see increased adoption of virtual cards.
  • 30% rank ease of integration as an important factor when choosing payments solutions, far higher than the 21% who prioritise lower fees.

The landscape of online trading has been transformed by a surge in retail investors from North America, Asia, and Europe. As online trading grows, platforms face challenges such as regulatory compliance and managing high transaction volumes.

Key Insights:

  • 38% anticipate significant growth in real-time payments.
  • In this sector, fraud management and the ability to reduce regulatory risks are the most important factors when choosing a payments solution.
  • Over 50% of online trading businesses say the speed of receiving payments is the number one reason to prefer a payment method.

As the digital marketplace continues to expand, so does the importance of robust security measures to combat financial data security and fraud-related risks.

Key Insights:

  • 46% say the adoption of AI-based applications will be the top trend in their industry next year.
  • Only 30% see further adoption of Buy-Now-Pay-Later as a top trend next year.
  • 40% say ease of integration is a top priority when choosing a payment provider as they seek agile and responsive partners.

As the industry gears up for a future where online sales could make up 76% of total travel and tourism revenue by 2028, OTAs face the dual challenge of managing high chargeback rates and navigating complex regulatory landscapes.

Key Insights:

  • 43% rank adopting real-time payments as a top financial trend impacting their business.
  • 26% say ease of foreign exchange is a top priority when choosing a payments solution, second only to ease of integration.
  • 53% of B2C online travel companies say compliance and regulatory concerns are the biggest risks to their business.

About the Study

Rapyd conducted a research study in January 2024 of 1,000 business owners and payment decision-makers from eight high-opportunity industries across ten markets: Brazil, Canada, France, Germany, Italy, the Netherlands, Spain, Singapore, the UK and the US.

The report spotlights the opportunities and challenges businesses face when accepting and sending cross-border payments.

This research benefits merchants of all sizes by providing valuable insights into high-opportunity industries and how payments can support their growth.

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About Rapyd

Global Payment Solutions
for Every Business

Rapyd simplifies digital commerce worldwide with reliable solutions built for high-opportunity industries. 

Direct Card

High acceptance rates and hassle-free onboarding with Rapyd’s directly licensed card acquiring.


Send money using real-time payment networks, bank transfers, card payouts and ewallets.

Business Accounts

With advanced features and integrated foreign exchange, it’s the “better than a bank” account for every business.


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