2026 State of the Industry: Commercial Prepaid Cards

The commercial prepaid market should see varying levels of growth in the coming five years, with continued opportunity for non-governmental products such as those related to healthcare benefits, incentives, and disbursement. 

Javelin Strategy & Research continues its annual series on prepaid market trends with a focus on commercial products that encompasses business-to-business and government products. While prepaid continues to represent a small share of the commercial payments segment, the product opportunity provides a runway for future growth as a complement to or a replacement for postpaid products. The consistency of the established commercial prepaid offering sets the stage for new use cases that can open new segments to prepaid providers.

Key questions discussed in this Prepaid Payments report: 

• How much of the market in commercial payments is funded through prepaid mechanisms?
• How can those in the prepaid ecosystem better understand specific commercial segment positioning?
• What under-the-radar prepaid commercial segments offer greenfield opportunities to grow business?