source verified
Ranked 6 of 105
SDK / white label
Europe
Rubean AG reviewed — 2026
Technology supplier behind 'Sparkasse POS' (S-POS) and CCV PhonePOS; one of the few providers with full girocard approval including PIN on standard Android.
SoftPOS24 overall score
4.1/5
82 out of 100 points · Rating 1.7 (good)
Price transparency
30/30
Market coverage
13/25
Platform coverage
15/15
Security certification
11/15
Card acceptance
13/15
The score measures transparency, reach and certification of the offer — not how well the app works. See the formula
In short
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 (börsennotiert) |
| 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 1.50%, Rating 1.4
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- Viva.com (ehem. Viva Wallet) — from 1.16%, Rating 1.6
- SumUp — from 0.79%, Rating 1.6
- myPOS — from 1.10%, Rating 1.6