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. The report highlights the role of real-time payment systems in expanding A2A beyond simple bank transfers. 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. 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. 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.