SoftPos
SoftPos is a PCI-certified Warsaw fintech whose software transforms NFC-enabled Android and iOS devices into contactless payment terminals, serving banks, large enterprises, and SMBs through a B2B channel model anchored by Worldline's 55% majority ownership and global Tap on Mobile distribution.
- Company typePrivate
- Founded2019
- HeadquartersWarszawa, Poland
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What SoftPos does
SoftPos S.A. is a Warsaw-headquartered fintech founded in 2019 that develops a software-based Point of Sale (SoftPos) platform converting any NFC-enabled Android smartphone or tablet — and since 2023 iOS devices via Worldline Tap on Mobile — into a PCI-certified contactless payment terminal. The core technology relies on Host Card Emulation (HCE), hardware-backed device attestation, asymmetric key storage, and PIN-on-Glass capability (certified by Mastercard and Visa), supporting card payments, Google Pay, Apple Pay, Garmin Pay, and wearable wallets. SoftPos holds the PCI MPoC certification (the highest available SoftPos security standard, awarded 2024), PCI Secure SLC, PCI DSS, and CPoC listings, placing it among only 59 entities globally with Secure SLC certification.
The company operates a B2B, channel-led go-to-market serving three core customer segments: SMBs needing affordable mobile acceptance without dedicated hardware; large enterprises (e.g., Spain's Correos postal service with 6,000+ terminals and Łódź Metropolitan Railway with 130+ conductors' terminals) requiring customized integrations; and banks and financial institutions (ING Poland, ING Romania, Credit Agricole) offering SoftPos as a white-label mobile acquiring service. Since October 2022, Worldline has held a 55% majority stake, making SoftPos the technology backbone for the global 'Worldline Tap on Mobile' product distributed across 17 markets in Europe, Australia, South America, and Africa.
Revenue is generated through three streams: per-transaction fees to merchants, white-label/OEM licensing royalties (notably from Worldline for Tap on Mobile), and enterprise/banking licensing for customized integrations such as ING's eTerminal. Distribution is primarily indirect through banking partners, acquirers (Elavon, Payten, Fizetési Pont), hardware OEMs (Zebra Technologies, Toshiba, Point Mobile), and the Worldline global channel; a self-onboarding product-led growth motion supplements this in several markets.
SoftPos firmographics
Firmographics- Name
- SoftPos
- Legal name
- SoftPos S.A.
- Website
- https://softpos.eu
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- SoftPos is a PCI-certified Warsaw fintech whose software transforms NFC-enabled Android and iOS devices into contactless payment terminals, serving banks, large enterprises, and SMBs through a B2B channel model anchored by Worldline's 55% majority ownership and global Tap on Mobile distribution.
- Ownership category
- akta.pro rank
SoftPos industry classification
Industry- Product category
- Mobile Payment Acceptance Software
- NAICS
- Software Publishers (5132)
- akta.pro primary industry
- mPOS & SoftPOS (Tap-to-Phone) Solutions (FSAMADAB)
- akta.pro secondary industries
- POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), In-Store Contactless & NFC Acceptance (Tap-to-Pay, EMV Contactless) (FSAMADAF)
Keywords
Where SoftPos is headquartered
LocationHeadquarters
- HQ city
- Warszawa
- HQ country
- Poland
- HQ region
- Europe
Offices3 records
Markets served
SoftPos business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Transaction-based fees: SoftPos charges transaction fees for each payment processed through the mobile terminal solution. Merchants pay per transaction rather than monthly fees for hardware.
- White-label/OEM Licensing: Worldline distributes Tap on Mobile globally based on SoftPos technology, representing a licensing/royalty revenue stream.
- Enterprise/Banking Licensing: Customized implementations for banks like ING Poland (eTerminal) and ING Romania, and institutions like Credit Agricole Poland, generating licensing and integration fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | No additional hardware required - uses existing merchant device |
Go-to-market motion4 records
Distribution channels6 records
Marketing channels7 records
SoftPos product offering
Product offeringCore offering
SoftPos develops and licenses a Software Point-of-Sale (SoftPos) application that transforms any NFC-enabled Android smartphone or tablet into a secure payment terminal accepting contactless card payments and mobile/digital wallets. The technology is delivered via direct licensing to enterprises, through banking partners (e.g., ING eTerminal), and as a white-label product (Worldline Tap on Mobile) for global distribution. The platform supports PIN-on-glass for high-value transactions and holds the highest PCI security certifications (MPoC, Secure SLC).
Product overview
SoftPos is a Software Point of Sale (SoftPos) provider offering a mobile payment acceptance solution. The core product is the SoftPos application that transforms Android devices into payment terminals. Based on this technology, Worldline (which acquired majority stake in 2022) launched the global 'Worldline Tap on Mobile' product. Regional white-label variants like 'eTerminal' for ING Poland extend the reach. The solution supports contactless payments via plastic cards, mobile wallets (Google Pay, Apple Pay, wearables), and PIN verification for higher-value transactions.
Differentiator
Problem solved
Functional benefit
Products and services
- SoftPos Application Software-based mobile payment terminal that transforms any Android device with NFC (Android 8.0 or higher) into a secure point-of-sale terminal for accepting contactless card payments, mobile wallets (Google Pay, Apple Pay, Garmin Pay), and wearable payments. Designed for SMBs, enterprises, and acquirer/banking partners.
- Worldline Tap on Mobile
Quantifiable outcome
- 70% increase in active terminals from January 2023
- +4 more outcomes
Companies that use SoftPos
Customer profileNamed customers9 records
Segments5 records
Ideal customer profiles3 records
SoftPos technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature7 records
SoftPos partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered strategic, core and regional.
- Zebra TechnologiesstrategicZebra Technologies certified Worldline Tap on Mobile - first payment partner for Zebra globally. Enables pre-loaded SoftPos/Tap on Mobile on Zebra enterprise mobile devices.
- ToshibastrategicHardware partnership enabling SoftPos/Tap on Mobile integration with Toshiba devices, expanding enterprise device reach.
- WorldlinecoreWorldline acquired 55% majority stake in SoftPos in October 2022. Based on SoftPos technology, Worldline launched 'Worldline Tap on Mobile' globally. This represents the core strategic partnership enabling worldwide distribution of the SoftPos-based solution.
- ING PolandcoreING Poland offers SoftPos-based 'eTerminal' service to their business clients. Expansion of SoftPos availability through ING's commercial banking customer base.
- Elavon (Credit Agricole Poland)strategicElavon Polska partnered with Credit Agricole to deploy SoftPos for business clients. First business clients of Credit Agricole can now use SoftPos.
- Credit Agricole Bank PolskastrategicCredit Agricole offers SoftPos to their SMB clients with corporate accounts as part of multi-channel sales support.
- ING RomaniacoreSoftPos deployed for ING Romania's merchant customers, enabling mobile payment acceptance via smartphone.
- Epic Mobile (Poland)regionalExclusive Polish representative of Point Mobile, providing PM85 terminals used for ŁKA railway deployment.
- Łódź Metropolitan Railway (ŁKA)strategicFirst railway globally to use SoftPos for ticket payments. 130+ Point Mobile PM85 terminals with integrated SoftPos for conductor payment collection.
- SSK RailregionalEquipment supplier for Łódź Metropolitan Railway SoftPos implementation, providing Point Mobile PM85 terminals.
- Payten (Romania)regionalRomanian PSP partner supporting SoftPos deployment in Romania alongside ING Bank Romania.
- Correos SpainstrategicSpanish postal service using over 6,000 SoftPos terminals for payment acceptance. One of the largest enterprise deployments.
- Fizetési Pont (Hungary)regionalHungarian payment service provider partnership for SoftPos distribution in Hungary. First merchants in Hungary started using SoftPos through this channel.
- SIX Payment Services (Worldline)coreInitial implementation partner for SoftPos launch in Poland. First live transactions registered through SIX/Worldline Poland partnership in July 2020. Collaboration continues for international deployments.
Scale indicators8 records
Recent moves8 records
Expansion highlights6 records
SoftPos competitors and assessment
Company assessmentDirect peers
- Visa Tap to Phone: Visa's own Tap to Phone / Visa Ready program enables contactless acceptance on COTS devices. Directly comparable to SoftPos as a SoftPOS/Tap-to-Phone solution and a key competitor for bank-led deployments.
- Mastercard Tap on Phone: Mastercard's Tap on Phone program, certified by Mastercard and Visa, is the closest head-to-head SoftPOS offering to SoftPos and competes for the same bank and acquirer integrations.
- Adyen Tap to Pay: Adyen's Tap to Pay solution enables iOS and Android devices to accept contactless payments. Directly comparable as a SoftPOS offering targeted at enterprise merchants via integrated acquiring rails.
- Stripe Terminal: Stripe Terminal provides software-driven POS including Tap to Pay on iPhone and Android. Closely comparable to SoftPos in serving developers, platforms, and enterprise merchants with a hardware-light model.
Broad incumbents
- SumUp: SumUp offers mPOS and Tap to Phone acceptance to SMBs across Europe. Comparable in targeting small merchants with low-cost, hardware-minimal acceptance, though SumUp also ships its own card readers.
- Block (Square): Square pioneered mobile card acceptance and now offers Tap to Pay on iPhone. Comparable as a broad mobile payments incumbent expanding into SoftPOS, with much larger scale than SoftPos.
Emerging players
- myPOS: myPOS provides mobile POS terminals and SoftPOS-style acceptance to European SMBs. Comparable to SoftPos in customer segment (small European merchants) and pricing model, with overlap in channel-led distribution.
Others
- PAX Technology: PAX is a leading Android-based POS terminal manufacturer whose hardware ecosystem overlaps with SoftPos's device attestation and SoftPOS deployment on enterprise-grade Android devices.
- Worldline: Worldline owns 55% of SoftPos and distributes the technology globally as Tap on Mobile. Comparable as both parent/partner and as a broad acquiring incumbent whose rails SoftPos rides on for bank-led deployments.
- Zebra Technologies: Zebra is a SoftPos hardware OEM partner (Tap on Mobile pre-loaded on Zebra devices). Comparable as the enterprise device ecosystem that SoftPos integrates with for transportation, postal, and field service use cases.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
SoftPos social profiles
Digital presenceSoftPos compliance and trust
Trust signalCompliance4 records
SoftPos financial estimates
Financial estimateRevenue estimate
Valuation estimate
SoftPos leadership team
Management profileNumber of profiles
Profiles7 records
SoftPos funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
SoftPos M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about SoftPos
What does SoftPos do?
SoftPos develops and licenses a Software Point-of-Sale (SoftPos) application that transforms any NFC-enabled Android smartphone or tablet into a secure payment terminal accepting contactless card payments and mobile/digital wallets. The technology is delivered via direct licensing to enterprises, through banking partners (e.g., ING eTerminal), and as a white-label product (Worldline Tap on Mobile) for global distribution. The platform supports PIN-on-glass for high-value transactions and holds the highest PCI security certifications (MPoC, Secure SLC).
Is SoftPos a public or private company?
SoftPos is a private company. It is classified as corporate owned and is currently operating.
When was SoftPos founded?
SoftPos was founded in 2019. It employs 1 to 10 people.
Where is SoftPos based?
SoftPos is headquartered in Warszawa, Poland, in the Europe region.
How does SoftPos make money?
Three revenue lines are on record. Transaction-based fees are the primary driver. The others are white-label/OEM Licensing and enterprise/Banking Licensing.
Who are SoftPos's main competitors?
Direct peers on record are Visa Tap to Phone, Mastercard Tap on Phone, Adyen Tap to Pay and Stripe Terminal. Broad incumbents are SumUp and Block (Square). myPOS is listed as an emerging player. Others are PAX Technology, Worldline and Zebra Technologies.
Does SoftPos have an API?
No public API is recorded for SoftPos.
What industry is SoftPos in?
SoftPos's product category is Mobile Payment Acceptance Software. Its primary akta.pro industry code is FSAMADAB, mPOS & SoftPOS (Tap-to-Phone) Solutions, with a secondary code of FSAGABAO, POS, SoftPOS & In-Person Acceptance Infrastructure. Its NAICS code is 5132.