SoftPos

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.

Name

SoftPos

Legal name

SoftPos S.A.

Website

https://softpos.eu

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 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

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

• Mobile payment software
• Contactless payment terminal
• Software point of sale
• Android payment acceptance
• Tap on mobile

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. 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.
2. White-label/OEM Licensing: Worldline distributes Tap on Mobile globally based on SoftPos technology, representing a licensing/royalty revenue stream.
3. 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

Go-to-market motion4 records

Distribution channels6 records

Marketing channels7 records

Core 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

Named customers9 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

14 partnerships are on record, tiered strategic, core and regional.

• Zebra TechnologiesstrategicTechnology or Integration · 1 January 2023Zebra Technologies certified Worldline Tap on Mobile - first payment partner for Zebra globally. Enables pre-loaded SoftPos/Tap on Mobile on Zebra enterprise mobile devices.
• ToshibastrategicTechnology or Integration · 1 January 2023Hardware partnership enabling SoftPos/Tap on Mobile integration with Toshiba devices, expanding enterprise device reach.
• WorldlinecoreStrategic or Co-development Partner · 26 October 2022Worldline 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 PolandcoreChannel Partner/ Reseller/ Distributor · 10 May 2022ING 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)strategicChannel Partner/ Reseller/ Distributor · 30 March 2022Elavon Polska partnered with Credit Agricole to deploy SoftPos for business clients. First business clients of Credit Agricole can now use SoftPos.
• Credit Agricole Bank PolskastrategicChannel Partner/ Reseller/ Distributor · 30 March 2022Credit Agricole offers SoftPos to their SMB clients with corporate accounts as part of multi-channel sales support.
• ING RomaniacoreChannel Partner/ Reseller/ Distributor · 15 February 2022SoftPos deployed for ING Romania's merchant customers, enabling mobile payment acceptance via smartphone.
• Epic Mobile (Poland)regionalTechnology or Integration · 15 February 2022Exclusive Polish representative of Point Mobile, providing PM85 terminals used for ŁKA railway deployment.
• Łódź Metropolitan Railway (ŁKA)strategicTechnology or Integration · 14 December 2021First railway globally to use SoftPos for ticket payments. 130+ Point Mobile PM85 terminals with integrated SoftPos for conductor payment collection.
• SSK RailregionalImplementation/ SI/ Consulting Partner · 1 October 2021Equipment supplier for Łódź Metropolitan Railway SoftPos implementation, providing Point Mobile PM85 terminals.
• Payten (Romania)regionalChannel Partner/ Reseller/ Distributor · 2 September 2021Romanian PSP partner supporting SoftPos deployment in Romania alongside ING Bank Romania.
• Correos SpainstrategicTechnology or Integration · 1 June 2021Spanish postal service using over 6,000 SoftPos terminals for payment acceptance. One of the largest enterprise deployments.
• Fizetési Pont (Hungary)regionalChannel Partner/ Reseller/ Distributor · 12 November 2020Hungarian payment service provider partnership for SoftPos distribution in Hungary. First merchants in Hungary started using SoftPos through this channel.
• SIX Payment Services (Worldline)coreImplementation/ SI/ Consulting Partner · 23 July 2020Initial 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

Direct 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

• Xtwitter.com/SoftPos
• Facebookfacebook.com/softpos.eu
• LinkedInlinkedin.com/company/softpos-payment-terminal
• Instagraminstagram.com/softpos

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SoftPos