Contactless payment acceptance anytime and anywhere via your smartphone.

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Our approvals

PhonePOS Schritt 1
PhonePOS Schritt 2
PhonePOS Schritt 3

The smartest way to get paid

This is what getting paid looks like today

Es braucht keine extra Hardware mehr

No extra Hardware required

PhonePOS takes the form of a Smartphone App which any Merchant can quickly install from the Google PlayStore. It's never been so easy.

Contactless and safe

Tested and approved by Mastercard, VISA, PCI Payment Card Industry and Deutsche Kreditwirtschaft

Cybersecurity standards and is considered "Best in Class" rating from the independent testing IT Lab used for its evaluation

The right solution for any customer

With PhonePOS, Merchants can accept VISA, Mastercard, Maestro, Girocard and Mobile Payments (from Smartphones and Wearables). Higher value transactions, above the contactless limit, can also be processed using our unique “PIN entry” facilities.

Development at a glance

Facts and Figures

PhonePOS received the “Best in Class” rating from Riscure.
Seven patent families protect our software technology.
PhonePOS is already being used by over 10,000 retailers.
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We are live with PhonePOS in six countries.

Successfull together


Global Payments Europe (GPE), based in Prague, is a subsidiary of Global Payments Inc (NYSE: GPN), the world's leading provider of payment technology and software solutions. Rubean is currently delivering PhonePOS to customers of GPE in Hungary, including a larger parcel service that uses PhonePOS on its own mobile devices to enable parcel customers to make card-based payments “by surname”.
Banco Bilbao Vizcaya Argentaria (BBVA) is a credit institution and financial services company with more than 150 years of history. It is the second largest bank in Spain, one of the largest banks in Latin America, the USA and the world, and has its legal seat in Bilbao and its operational seat in Madrid. The bank has more than 110,000 employees and 47 million customers around the world.

We are glad to help you

Frequently asked questions

PhonePOS is smaller, lighter and easier to use than any other conventional payment terminal because it consists purely of software - a mobile app running on a standard Android phone and using the phone’s NFC capabilities to communicate with bank cards (other smartphone wallets and wearable devices).
PhonePOS is not a new mobile payment method, but an extension of the ubiquitous, secure, tried, tested and trusted contactless payment processing infrastructure already used by Girocard, Mastercard and Visa (and Amex, Diners’ Club, Discover and JCB). Rubean’s PhonePOS has been designed to replace the additional, burdensome, expensive hardware at the retailer with an app that can run on practically all Android devices.
For delivery services, taxi drivers, takeaways and also salespeople in department stores.

In Germany, for example, PhonePOS is sold by the Deutsche Sparkassen under the name “Sparkassen POS” for a one-time account setup fee of 19.95 EUR, ZERO monthly fee and a transaction fee of 0.89% on girocard, Maestro and VPay debit card payments. Please refer Sparkasse POS - fitting is easy

No, at the moment PhonePOS can only be operated on Android devices. A generic (ie. not Apple developed) “software only” solution for iOS phones and terminals is not yet available since Apple continues to “isolate” NFC functionality away from app developers. We do not expect this situation to change anytime soon – and will react with an iOS -compatible version of PhonePOS the moment this becomes possible.
Rubean does´t currently sell/ licence PhonePOS directly to Merchants. We provide it, under licence, as a “white label” solution to Financial Institutions, major card payments processors and Merchant Acquirers to, subsequently, integrate within their business banking offerings to merchant customers, under their own brand names.

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