source verified
Ranked 21 of 105
SoftPOS + hardware
Europe
S-Payment / Sparkassen-Finanzgruppe reviewed — 2026
Germany's widest-reaching girocard SoftPOS solution; a consortium of S-Payment, DSV, PAYONE, CCV, Rubean and bluesource.
SoftPOS24 overall score
3.4/5
68 out of 100 points · Rating 2.3 (good)
Price transparency
30/30
Market coverage
5/25
Platform coverage
9/15
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
S-Payment / Sparkassen-Finanzgruppe offers Sparkasse POS (S-POS) for Android. Transaction fee: from 0.89%; monthly fee: none. Security certification: CPoC/SPoC. Available in: Germany.
S-Payment / Sparkassen-Finanzgruppe terms in full
| Product name | Sparkasse POS (S-POS) |
|---|---|
| Provider type | SoftPOS + hardware |
| Headquarters | Germany (Stuttgart) |
| Founded | S-Payment GmbH als Kompetenzcenter der Sparkassen-Finanzgruppe |
| Platforms | Android (standard smartphones) |
| Certification | girocard approval from the Deutsche Kreditwirtschaft (via Rubean/CCV); PCI CPoC/PIN via Rubean |
| Transaction fee | 0.89% on debit cards |
| Monthly fee | 0 EUR |
| Setup cost | 19.95 EUR one-off |
| Contract term | n/a |
| Cards accepted | Visa, Mastercard, Apple Pay, Google Pay, girocard |
| PIN entry on screen | n/a |
| Transaction limit | girocard payments above 50 EUR possible with PIN entry directly on the merchant smartphone |
| Target customers | Micro-businesses, clubs, sole traders (taxis, kiosks, flea markets, farm shops, locksmiths) |
| Available markets | Germany |
| Website | s-payment.de |
| Data source | Open primary source ↗ |
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