VR Payment (Genossenschaftliche FinanzGruppe) card reader review 2026: tap to pay fees and rating
Single 1% blended rate including girocard - unusually transparent for Germany. Explicitly does not replace a cash register (KassenSichV).
The score measures transparency, reach and certification of the offer — not how well the app works. See the formula
VR Payment (Genossenschaftliche FinanzGruppe) offers VR PayMe softPOS for Android. Transaction fee: from 1.00%; monthly fee: n/a. Security certification: n/a. Available in: Germany.
VR Payment (Genossenschaftliche FinanzGruppe) terms in full
| Product name | VR PayMe softPOS |
|---|---|
| Provider type | SoftPOS + hardware |
| Headquarters | Germany (Frankfurt) |
| Founded | 2018 (out of CardProcess) |
| Platforms | Android (from Android 13, NFC) |
| Certification | n/a (girocard approval from the Deutsche Kreditwirtschaft implied) |
| Transaction fee | 1.0% on all cards ('1% on all cards') |
| Monthly fee | n/a |
| Setup cost | n/a |
| Contract term | n/a |
| Cards accepted | Visa, Mastercard, Apple Pay, Google Pay, girocard |
| PIN entry on screen | n/a |
| Transaction limit | n/a |
| Target customers | Micro-businesses / SMEs (food trucks, delivery services, trades, taxis) with a Volksbank/Raiffeisenbank relationship |
| Available markets | Germany |
| Website | vr-payment.de |
| Data source | Open primary source ↗ |
Alternatives to VR Payment (Genossenschaftliche FinanzGruppe)
Comparable providers in Europe:
- Stripe — from 2.70% + 5 ¢, Rating 1.4
- Nexi (Nexi Group) — from 1.19%, Rating 1.6
- Nets (Nexi Group Nordics) — on request, Rating 3.1
- Sipay — on request, Rating 3.2
- Handpoint — on request, Rating 3.2
Compare all providers in Europe →
Frequently asked questions
VR Payment tap to pay: do I need any extra hardware?
Not necessarily. VR Payment (Genossenschaftliche FinanzGruppe) sells card terminals as well, but its tap to pay product works on a phone you already own, with no extra hardware. Supported platforms: Android.
Which countries is VR Payment available in?
By our records: Germany. Availability changes, and the date above the table is when we last checked.