Rubean
Rubean AG is a Munich-based, publicly listed fintech that provides PCI MPoC-certified SoftPOS technology, turning NFC-enabled Android devices into contactless payment terminals distributed via white-label partnerships with banks, acquirers, and payment service providers across Europe and Latin America.
- Company typePublic
- Founded2016
- HeadquartersMunich, Germany
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Rubean does
Rubean AG is a Munich-headquartered, publicly listed fintech (ticker R1B, listed on the Munich Stock Exchange since September 2016) that develops and licenses SoftPOS — Software Point-of-Sale — technology. Its PCI MPoC-certified platform transforms any NFC-enabled Android smartphone or tablet into a contactless payment terminal, removing the need for dedicated hardware. The solution is offered in three deployment forms: a Full Merchant App, a Whitelabel Payment Engine App, and an Isolated SDK for embedding into partner Electronic Cash Register (ECR) and Mobile Device Management (MDM) systems. iOS support is scheduled for H2 2026. Underlying infrastructure runs on Docker containers orchestrated by Kubernetes (private cloud), with MongoDB persistence, Kafka messaging, and Micronaut/Quarkus/Spring Boot Java stacks, supporting multiple regional platforms (CCV, Eastern Europe, Iberian, GEPP, SEPP, Western Europe) with a 99.95%+ availability SLA.
The company monetizes through transaction-based fees charged to acquirers, banks, and payment service providers, plus SDK/APK licensing to white-label partners. Distribution is overwhelmingly indirect: Rubean is embedded in white-label bank apps such as BBVA's Cobros (Spain), Commerzbank's GPtom (Germany), and the German Savingsbanks' S-POS, and it is connected to 19+ acquirers and gateways (Fiserv, RS2, Global Payments, PAYONE, REDSYS, Verifone, Commerzbank, BBVA, 1cs) with smart per-scheme routing. End-customers include Deichmann, Seur, GLS, DPD, Express One, RAC (2,000+ terminals), REWE subsidiary (Paymenttools), and Sunbeam-Kassen; processing reached 458,599 transactions worth EUR 27.17M in December 2024 alone. Rubean holds the unique girocard type approval in Germany and is one of two PCI MPoC certified providers with broadest usage authorization among 23 certified manufacturers globally.
Rubean sells to banks and acquirers (enterprise channel) and reaches SMEs through partner channels. The company reports EUR 1.94 million in 2024 revenue, with 90% sales growth that year and revenue nearly tripling in Q1-Q3 2025; geographic expansion moved from its Germany/Spain core into Latin America (Oct 2024) and North America (NRF 2026 with Zebra Technologies). The product portfolio comprises SoftPOS, Backup POS (a software failover POS module), and the Rubean Pay consumer app; partnerships span Zebra Technologies, Shopreme, Berg Pay, emerchantpay, and CCV Group.
Rubean firmographics
Firmographics- Name
- Rubean
- Legal name
- Rubean AG
- Website
- https://rubean.com
- Company type
- Public
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Rubean AG is a Munich-based, publicly listed fintech that provides PCI MPoC-certified SoftPOS technology, turning NFC-enabled Android devices into contactless payment terminals distributed via white-label partnerships with banks, acquirers, and payment service providers across Europe and Latin America.
- Ownership category
- akta.pro rank
Rubean industry classification
Industry- Product category
- Mobile Payment Software (SoftPOS)
- NAICS
- Software Publishers (513210), Software Publishers (5132)
- SIC
- Services-Prepackaged Software (7372)
- 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), POS Payment Software & Middleware (Terminal OS, Apps, Device Management) (FSAMADAC), Alternative Payment Methods (APMs) Enablement (BNPL, wallets, local methods) (FSAMACAE)
Keywords
Where Rubean is headquartered
LocationHeadquarters
- HQ city
- Munich
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Rubean business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations
Revenue model
- Transaction Processing Fees: Rubean generates revenue through transaction processing fees charged to acquirers, banks, and payment service providers who integrate its SoftPOS solution. The company processes payments for enterprise and SME merchants across Europe and Latin America, with transaction volumes in December 2024 reaching 458,599 transactions valued at EUR 27,171,614.
- SDK/APK Licensing: Revenue is generated through licensing the SoftPOS SDK and APK to white-label partners including banks (BBVA, Commerzbank), acquirers, and payment service providers who deploy the solution under their own brands to merchants.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | B2B licensing and transaction-based pricing for white-label partners |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
Rubean product offering
Product offeringCore offering
Rubean AG develops and licenses a PCI MPoC-certified SoftPOS (Software Point of Sale) platform that turns NFC-enabled Android smartphones and tablets into contactless payment terminals, eliminating the need for dedicated POS hardware. The platform is delivered as a Full Merchant App, a Whitelabel Payment Engine App, or an Isolated SDK for embedding into partner ECR systems, and is complemented by a Backup POS software-based failover solution for uninterrupted payments during outages.
Product overview
Rubean AG is a Munich-based multinational fintech and the leading provider of pure software point-of-sale solutions for banks, acquirers, and merchants. The product portfolio centers on SoftPOS — a PCI MPoC-certified white-label platform that turns standard NFC-enabled Android devices into secure contactless payment terminals — offered as a Full Merchant App, Whitelabel Payment Engine, and Isolated SDK (iOS support scheduled H2 2026). This core platform is complemented by Backup POS, a software-based failover POS system for Zebra mobile devices that ensures uninterrupted payment processing during outages. A consumer-facing mobile app, Rubean Pay, rounds out the offering. The platform is acquirer-agnostic with smart routing, connected to 19+ acquirers and gateways across Europe and the Americas, and is currently operated on over 100,000 devices.
Differentiator
Problem solved
Functional benefit
Brands
- SoftPOS: Core product - Software Point of Sale solution that transforms smartphones into payment terminals for contactless card acceptance
- Backup POS
- Rubean Pay
Products and services
- SoftPOS Rubean's flagship white-label Software Point-of-Sale solution that transforms any NFC-enabled Android smartphone or tablet into a secure contactless payment terminal, certified PCI MPoC. Offered as a Full Merchant App, Whitelabel Payment Engine App, and Isolated SDK for integration into partner ECR applications, iOS support is scheduled for H2 2026. Targeted at banks, acquirers, payment service providers, and merchants across Europe and the Americas.
- Backup POS Software-based failover Point-of-Sale system that operates fully detached from the normal enterprise ECR system, providing uninterrupted payment processing during main system downtimes, power outages, or connectivity failures. Supports special sales, barcode scanners, digital or mobile printer receipts, inventory system connectivity with overnight catalogue updates, and full fiscalization via cloud TSE. Targeted at enterprise retailers across Europe and North America.
- Rubean Pay
Quantifiable outcome
- 99.95%+ high availability for enterprise deployments
- +4 more outcomes
Companies that use Rubean
Customer profileNamed customers12 records
Segments6 records
Ideal customer profiles4 records
Rubean technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature6 records
Rubean partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core and major.
- Zebra TechnologiescoreRubean showcased SoftPOS and launched Backup-POS at Zebra Technologies' booth during NRF 2026. The Backup-POS solution serves as a software-based failover POS for Zebra mobile devices, enabling uninterrupted payment processing during main system downtimes, power outages, or connectivity failures. Partnership reduces hardware complexity and lowers costs for retailers in retail and hospitality across Europe and North America.
- ShoprememajorRubean and Shopreme entered partnership for innovative self-checkout solutions, combining Rubean's SoftPOS technology with Shopreme's self-checkout platform for retail environments.
- RS2coreRS2 provides acquiring services used in conjunction with Rubean SoftPOS at festivals and soccer stadiums. The combination meets all requirements for high-volume event payments with processing speed in some cases faster than wired POS terminals. KPS processes over 100,000 SoftPOS transactions per weekend using this partnership.
- FiservcoreFiserv provides acquiring services for Rubean Backup POS deployment, particularly for enterprise retail customers requiring high-availability payment acceptance.
- BBVAcoreBBVA offers Cobros white-label app powered by Rubean SoftPOS to SME merchants in Spain, enabling bank customers to accept contactless payments on mobile devices.
- CommerzbankcoreCommerzbank offers GPtom white-label app powered by Rubean SoftPOS for SME merchant payment acceptance in Germany.
- S-Payment (German Savingsbanks)coreGerman Savingsbanks offer S-POS white-label app powered by Rubean SoftPOS, providing widespread SME merchant coverage through the Savingsbank network.
- KPSmajorKPS processes over 100,000 SoftPOS transactions per weekend at individual large events and festivals using RS2 acquiring service combined with Rubean SoftPOS.
- Sunbeam-KassenmajorSunbeam-Kassen operates over 100,000 POS systems in Germany and Europe. Integrates Rubean SoftPOS into mobile ordering solution for restaurants, enabling guest payments directly in the mobile ordering workflow.
- CCV GroupcoreRubean and CCV Group intensified cooperation starting 2021. CCV provides payment acceptance infrastructure and expertise. Rubean CEO Dr. Hermann Geupel has background at CCV Group.
- emerchantpaymajoremerchantpay serves as a distribution partner for Rubean SoftPOS solutions, expanding reach to additional merchant segments and geographies.
- Berg PaymajorBerg Pay, powered by Rubean SoftPOS and Fiserv acquiring, enables RAC (British Automobile Club) roadside assistance technicians to accept Apple Pay and Google Pay on their phones. 2,000+ SoftPOS terminals deployed at RAC.
Scale indicators11 records
Recent moves8 records
Expansion highlights7 records
Rubean competitors and assessment
Company assessmentDirect peers
- myPOS: European payment acceptance provider offering mobile POS terminals and SoftPOS applications to SMBs. Competes with Rubean on Android-based contactless acceptance and similar SMB and SME merchant segments in Europe.
- SumUp: European-headquartered fintech offering mPOS card readers and SoftPOS solutions to SMB merchants across Europe and globally. Direct competitor to Rubean in the tap-to-phone acceptance space, with overlapping bank and acquirer distribution models.
- MYPINPAD: UK-based SoftPOS and PIN-on-mobile solutions provider certified by PCI and major card schemes. Directly competes with Rubean in software-based contactless acceptance for banks, acquirers, and merchants in Europe.
- Phos by Ingenico (Worldline): SoftPOS specialist acquired by Ingenico (now part of Worldline) providing tap-to-phone payment acceptance on Android and iOS. Closely comparable to Rubean in product and target market, with the backing of a much larger payments incumbent.
Broad incumbents
- Stripe: Global payments infrastructure provider offering Tap to Pay on iPhone and Android for merchants. Comparable to Rubean as a developer of SoftPOS/contactless acceptance infrastructure serving platforms and merchants.
- Adyen: Global payment processor offering unified online, in-store, and platform payments including terminal and SoftPOS-style products. Comparable to Rubean as an acquirer/processor relationship that merchants and platforms rely on for in-person acceptance.
- Verifone: Global POS terminal and payment-acceptance hardware/software vendor expanding into SoftPOS. Offers overlapping in-person acceptance solutions to retailers, acquirers, and banks comparable to Rubean's enterprise and SMB offerings.
- Square (Block): Block-owned payments platform offering hardware POS and tap-to-pay on iOS/Android for SMBs. A larger incumbent operating broadly in payment acceptance with overlapping SoftPOS functionality to Rubean's merchant base.
- PAX Global Technology: Leading global manufacturer of POS terminals and payment devices expanding into Android-based SoftPOS. Adjacent competitor to Rubean in retail payment acceptance hardware/software, with a large enterprise footprint.
Emerging players
- Toast: Restaurant-focused POS and payments platform offering integrated hardware and software including mobile/handheld payment acceptance. Comparable to Rubean's hospitality and SMB restaurant use cases, though focused on full-stack POS rather than pure SoftPOS.
Market position
Strengths1 record
Weaknesses1 record
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Rubean social profiles
Digital presenceRubean compliance and trust
Trust signalCompliance2 records
Rubean financial estimates
Financial estimateRevenue estimate
Valuation estimate
Rubean leadership team
Management profileNumber of profiles
Profiles6 records
Rubean subsidiaries and ownership
Company hierarchySubsidiaries1 record
Rubean funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Rubean 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 Rubean
What does Rubean do?
Rubean AG develops and licenses a PCI MPoC-certified SoftPOS (Software Point of Sale) platform that turns NFC-enabled Android smartphones and tablets into contactless payment terminals, eliminating the need for dedicated POS hardware. The platform is delivered as a Full Merchant App, a Whitelabel Payment Engine App, or an Isolated SDK for embedding into partner ECR systems, and is complemented by a Backup POS software-based failover solution for uninterrupted payments during outages.
Is Rubean a public or private company?
Rubean is a public company. It is classified as public and is currently operating.
When was Rubean founded?
Rubean was founded in 2016. It employs 11 to 50 people.
Where is Rubean based?
Rubean is headquartered in Munich, Germany, in the Europe region.
How does Rubean make money?
Two revenue lines are on record. Transaction Processing Fees are the primary driver. The others are SDK/APK Licensing.
Who are Rubean's main competitors?
Direct peers on record are myPOS, SumUp, MYPINPAD and Phos by Ingenico (Worldline). Broad incumbents are Stripe, Adyen, Verifone, Square (Block) and PAX Global Technology. Toast is listed as an emerging player.
Does Rubean have an API?
No public API is recorded for Rubean.
What industry is Rubean in?
Rubean's product category is Mobile Payment Software (SoftPOS). 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 513210 and its SIC code is 7372.