Rubean AG card reader review 2026: tap to pay fees and rating
Technology supplier behind 'Sparkasse POS' (S-POS) and CCV PhonePOS; one of the few providers with full girocard approval including PIN on standard Android.
The score measures transparency, reach and certification of the offer — not how well the app works. See the formula
Rubean AG offers PhonePOS for iOS + Android. Transaction fee: from 0.89%; monthly fee: none. Security certification: CPoC/SPoC. Available in: Germany, Spain, Hungary, Czechia, other EU markets, Latin America.
Rubean AG terms in full
| Product name | PhonePOS |
|---|---|
| Provider type | SDK / white label |
| Headquarters | Germany (Munich) |
| Founded | 1998 (publicly listed) |
| Platforms | Android (iOS is not sold directly by Rubean) |
| Certification | PCI DSS (2021, 2024), PCI CPoC, PCI PIN (2021); Mastercard Tap to Phone incl. PIN; Visa Tap to Phone incl. PIN; Deutsche Kreditwirtschaft approval for girocard |
| Transaction fee | 0.89% on debit cards (Sparkasse version) |
| Monthly fee | 0 EUR in the Sparkasse version |
| Setup cost | 19.95 EUR one-off (Sparkasse version) |
| Contract term | n/a |
| Cards accepted | Visa, Mastercard, Apple Pay, Google Pay, girocard |
| PIN entry on screen | n/a |
| Transaction limit | n/a (PIN entry removes the 50 EUR contactless limit) |
| Target customers | Banks & PSPs (white-label); end customers are micro-businesses |
| Available markets | Germany, Spain, Hungary, Czechia, other EU markets, Latin America |
| Website | rubean.com |
| Data source | Open primary source ↗ |
Alternatives to Rubean AG
Comparable providers in Europe:
- Stripe — from 2.70% + 5 ¢, Rating 1.4
- Nexi (Nexi Group) — from 1.19%, Rating 1.6
- Worldline — from 1.30%, Rating 1.8
- PayPal / Zettle (PayPal POS) — from 1.75%, Rating 1.8
- Adyen — on request, Rating 1.9
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Frequently asked questions
Rubean AG tap to pay: do I need any extra hardware?
Rubean AG delivers tap to pay as an SDK or white-label product: banks, platforms and payment providers build it into their own apps. Depending on the market you may meet it under the Rubean AG name or under someone else's. Supported platforms: iOS + Android. n/a (PIN entry removes the 50 EUR contactless limit).
Which countries is Rubean AG available in?
By our records: Germany, Spain, Hungary, Czechia, other EU markets, Latin America. Availability changes, and the date above the table is when we last checked.