Rubean Logo schwarz
Contact us

Solutions

PhonePOS - contactless payment acceptance via your smartphone

Rubean implements classic card readers (mPOS terminals) as a pure software (SoftPOS) app that runs on practically any NFC-enabled device for accepting contactless card payments. The corresponding PhonePOS solution has all the necessary certifications, in particular PCI MPoC software certification.

How PhonePOS Works

Step 1

The merchant enters the amount into his device.

Step 2

Consumer taps payment card on merchants device.

Step 3

PhonePOS processes the payment securely and quickly.

The future of cashless payment

Without extra hardware
Your payment terminal as an app, quickly installed from the Google Play Store. Complicated was yesterday. 
Contactless and secure
Certified by the Payment Card Industry (MasterCard, Visa, American Express, Discover Financial Services) according to PCI MPoC and approved by the German Banking Industry Committee for processing girocard transactions. 
The right solution for everyone 
PhonePOS on Android phones, handhelds, touchscreens; in merchant apps, mobile cash registers and self-checkout tills; with little to no user interaction to get started. 

PhonePOS MPoC SDK

Our PhonePOS MPoC SDK is an isolated SoftPOS SDK certified for Android 8+ devices. It is designed to ensure the highest level of security and seamless integration with customer POS solutions, banking applications or other payment applications.
In contrast to non-isolated SoftPOS SDKs, which are based on shared environments and would cause a significant certification effort on the integrator’s side, an isolated SoftPOS SDK like Rubean’s runs in a dedicated, secure environment that is completely separated from other app processes. This ensures maximum protection for sensitive payment data while minimizing the compliance effort on the integrator’s side.

PhonePOS MPoC APP

The PhonePOS MPoC APP integrates the PhonePOS SDK and forms it into an easily installable Android APP. The PhonePOS APP supports App2App communication with a higher-level electronic cash register, enterpris app or banking app in two modes: „hidden app” without displaying a PhonePOS icon on the device or a “visible app”.

Rubean Pay APP

The Rubean Pay APP extends the PhonePOS APP with a) a display for entering the payment amount and b) options for issuing a customer receipt (QR code, e-mail, SMS) and thus serves as a checkout app, especially for retailers who are looking for a simple solution for accepting contactless card payments on their smartphone.

PhonePOS Features

  • Supported payment methods: Purchase, Cancellation, Refund
  • Supported card systems: girocard (only with Rubean SoftPOS / PhonePOS), Mastercard, Visa, American Express, Discover, DinersClub, Pulse; digital wallets such as Apple Pay, Google Pay and Samsung Pay)
  • Simple, online documented interface to support the PhonePOS SDK and PhonePOS APP integration in electronic applications.
  • Integration with various PSP and acquirer hosts: (Partners)
  • Interface to the Rubean Onboarding System (ROS) for sending and receiving terminal data
  • Four possible options for personalizing/initializing a PhonePOS terminal on a device
  • Option 1: 2-factor authentication using a one-time password sent ad hoc by SMS or email.
  • Option 2: 2-factor authentication using a one-time password sent in advance
  • Option 3: Fully automatic terminal activation without manual intervention on centrally administered devices.
  • Option 4: Automatic terminal activation after user authentication in the checkout or banking app.
  • Integration of web-based cash registers via DeepLink with PhonePOS

Our certifications

•⁠ ⁠Products: PCI MPoC Software (Isolated SDK for Android 8+), PCI MPoC Solution, GBIC girocard approval
•⁠ ⁠Operation: PCI DSS, PCI PIN, PCI SLC, PCI SSS.
•⁠ ⁠PCI MPoC isolated SDK certified
•⁠ ⁠PCI MPoC Software certified
•⁠ ⁠PCI MPoC Application certified
•⁠ ⁠PCI MPoC Solution certified
•⁠ German DK (Deutsch Kreditwirtschaft) certified for processing girocard transactions

Accepting payments has never been easier

Supported Android devices:

Minimum requirements:
  • Android version 8.1+. For device security verification, a current Android version is required. Most hardware vendors do provide necessary security updates for Android 8.1 and higher. In case the hardware vendor does not offer security updates any longer, the Google officially supported Android OS version 12+ is desired.
  • 64-bit Arm Processor Device & 64-bit Android Operating System.
  • Google Play Integrity Attestation with GMS (Google Mobile Services). As an alternative to GMS, Rubean supports the usage of Zimperium zDEFEND for device attestation (additional costs might apply).
  • Android Key Attestation with Google Root Certificate
  • NFC antenna.
  • Dual Screen Devices (only for Dual Screen Support)

  • Lumni8 Inari8C

  • Alcatel S1
  • Alcatel 3X
  • asus Zenfone 6
  • asus Zenfone 7
  • asus Zenfone 8
  • Blackview BV5200
  • Blackview BV5200 Pro
  • Bluebird EF501R
  • bq Aquaris X
  • bq Aquaris X Pro
  • bq Aquaris V Plus
  • Cat S62 Pro
  • Cat S62 Pro
  • Wingtech T Phone Pro
  • DOOGEE S41Pro
  • DOOGEE S100
  • DOOGEE S61
  • DOOGEE S97Pro
  • Elo M50C
  • Elo M50
  • Google Pixel 8, 8a, 8 Pro (or newer)
  • Google Pixel 7, 7a, 7 Pro
  • Google Pixel 6, 6a, 6 Pro
  • Google Pixel 4, 4a
  • Google Pixel 3, 3a
  • Honeywell CT40
  • Honeywell CT45
  • Honeywell CT60
  • Honeywell EDA5S
  • Honeywell EDA51
  • Honeywell EDA52
  • IMPORTANT INFORMATION: based on current information, HUAWEI devices do not get any further Android updates. Huawei handles thes updates over EMU operating system – currently only the below mentioned list is therefore supported:
  • HUAWEI Mate 40 Pro (or higher)
  • HUAWEI Mate Xs 2 (or higher)
  • HUAWEI Nova 9 (or higher)
  • HUAWEI Nova 9 Pro (or higher)
  • HUAWEI Nova Y90 (or higher)
  • HUAWEI P50 (or higher)
  • HUAWEI P50 Pro (or higher)
  • iHunt S60 Discovery Pro
  • SWIFT 1 PRO
  • SWIFT 2 PRO
  • SWAN 1 PRO (Dual Screen Support)
  • ITOS IC_51_EEA
  • DX-A400GE (NFC overlay Icon needs to be deactivated for PIN entry)
  • M20
  • C20 Pro (Dual Screen Support)
  • LGE LG G8S ThinQ
  • LGE LG Velvet
  • LGE LG V50 ThinQ
  • LGE LG K61
  • LGE LG Wing
  • Mobile Go 2+
  • MobiPrint 5
  • Motorola moto e22
  • Motorola moto E32
  • Motorola moto g 5G Plus
  • Motorola moto g7 power
  • Motorola moto g9 play
  • Motorola moto g9 plus
  • Motorola moto g10
  • Motorola moto G13
  • Motorola moto g13
  • Motorola moto g22
  • Motorola moto g30
  • Motorola moto g31(w)
  • Motorola moto g32
  • Motorola moto g41
  • Motorola moto g50
  • Motorola moto g51 5G
  • Motorola motto G53
  • Motorola moto g60
  • Motorola moto g62 5G
  • Motorola moto x4
  • Motorola edge 20
  • Motorola edge 20 litte
  • Motorola edge 30
  • Motorola edge 30 neo
  • Motorola edge 40+
  • Motorola one
  • Motorola Defy
  • Ordermann 9
  • NOKIA 3.1
  • NOKIA 3.4
  • NOKIA 4.2
  • NOKIA 5
  • NOKIA 5.1
  • NOKIA 5.3
  • NOKIA 5.4
  • NOKIA 6.1
  • NOKIA 9
  • NOKIA 7 Plus
  • NOKIA 8
  • NOKIA G21
  • NOKIA X10
  • NOKIA X30

OnePlus 7
OnePlus 8
OnePlus 9
OnePlus 11
OnePlus 5T
OnePlus 6T
OnePlus 7Pro
OnePlus 7T
OnePlus 8Pro
OnePlus 8T
OnePlus 9Pro
OnePlus 9R
OnePlus 10Pro
OnePlus 10Ttt
OnePlus Nord 2
OnePlus Nord 5G
OnePlus Nord CE 5G
OnePlus Nord N10 5G
OnePlus Nord N200
OnePlus Nord N300

  • oona 22
  • OPPO A 16 s
  • OPPO A 53
  • OPPO A 53 s
  • OPPO A 54 s
  • OPPO A 73
  • OPPO A 77
  • OPPO A 78
  • OPPO A 96
  • OPPO A 98
  • OPPO A 5
  • OPPO A 9
  • OPPO A 52
  • OPPO A 54
  • OPPO A 72
  • OPPO A 74
  • OPPO A 91
  • OPPO A 94
  • OPPO Find X2 Litttle
  • OPPO Find X2 Neo 
  • OPPO Find X2 Pro
  • OPPO Find X3 Neo
  • OPPO Find X3 Pro
  • OPPO Find X5
  • OPPO Find X5 Lite
  • OPPO Find X5 Pro
  • OPPO Reno
  • OPPO Reno 2
  • OPPO Reno 4
  • OPPO Reno 4 Pro
  • OPPO Reno 5
  • OPPO Reno 6
  • OPPO Reno 6 Pro
  • OPPO Reno 7 Z
  • OPPO Reno 8
  • OPPO Reno 8 Pro
  • Orderman 9 (only with additional Rubean attestation mechanism, as GMS is not supported)
  • Orderman 10 OSR
  • MT-6635 Rev. 3 (Note: This device requires Rubean PhonePOS 3.14 or higher)
  • PM 95 TP (Device does not support Google Play Integrity Attestation and therefore only works with special security verification, provided by Rubean. If you plan to use this type of device, please contact your Rubean sales representative).
  • Realme 6
  • Realme 7
  • Realme 8
  • Realme 9
  • Realme 11
  • Realme 6i
  • Realme 8i
  • Realme 9i
  • Realme C 21
  • Realme C 25s
  • Realme C31
  • Realme C35
  • Realme C51
  • Realme C55
  • Realme GT
  • Realme GT2
  • Realme GT Neo 3
  • Realme Narzo 50
  • Realme Narzo 60
  • Realme X50
  • Samsung Galaxy A03
  • Samsung Galaxy A04
  • Samsung Galaxy A14
  • Samsung Galaxy A21
  • Samsung Galaxy A22
  • Samsung Galaxy A23
  • Samsung Galaxy A30
  • Samsung Galaxy A31
  • Samsung Galaxy A32
  • Samsung Galaxy A34
  • Samsung Galaxy A40
  • Samsung Galaxy A41
  • Samsung Galaxy A42
  • Samsung Galaxy A50
  • Samsung Galaxy A51
  • Samsung Galaxy A52
  • Samsung Galaxy A54
  • Samsung Galaxy A70
  • Samsung Galaxy A71
  • Samsung Galaxy A72
  • Samsung Galaxy A75
  • Samsung Galaxy A80
  • Samsung Galaxy A9
  • Samsung Galaxy A90
  • Samsung Galaxy A92
  • Samsung Galaxy A12
  • Samsung Galaxy A13
  • Samsung Galaxy A14
  • Samsung Galaxy A20
  • Samsung Galaxy A33
  • Samsung Galaxy A53
  • Samsung Galaxy A54
  • Samsung Galaxy A8
  • Samsung Galaxy M31
  • Samsung Galaxy M32
  • Samsung Galaxy M33
  • Samsung Galaxy M51
  • Samsung Galaxy M53
  • Samsung Galaxy M12
  • Samsung Galaxy M20
  • Samsung Galaxy M21
  • Samsung Galaxy Note 10
  • Samsung Galaxy Note 10 Lite
  • Samsung Galaxy Note 20
  • Samsung Galaxy Notte 8 SM
  • Samsung Galaxy Note 9
  • Samsung Galaxy S 10 Lite
  • Samsung Galaxy S20
  • Samsung Galaxy S21
  • Samsung Galaxy S22
  • Samsung Galaxy S23
  • Samsung Galaxy S9
  • Samsung Galaxy S10
  • Samsung Galaxy S21
  • Samsung Galaxy S7
  • Samsung Galaxy S9
  • Samsung Galaxy Tab Active 3
  • Samsung Galaxy Tab Active 4 Pro
  • Samsung Galaxy Tab Active Pro
  • Samsung Galaxy XCover 4
  • Samsung Galaxy XCover 6
  • Samsung Galaxy XCover Pro
  • Samsung Galaxy Z Flip
  • Samsung Galaxy Z Flip 3
  • Samsung Galaxy Z Flip 4
  • Samsung Galaxy Z Flip 5
  • Samsung Galaxy Z Fold 2
  • Samsung Galaxy Z Fold 3
  • Samsung Galaxy Z Fold 4
  • Samsung Galaxy Z Fold 5
  • Sony Xperia XA 1
  • Sony Xperia XZ
  • Sony Xperia XZ 1
  • Sony Xperia XZ 3
  • Sony Xperia 10
  • Sony Xperia 1
  • Sony Xperia 1 II
  • Sony Xperia 10 IV
  • Note: Only GMS certified SUNMI devices are supported! For some devices, a request to SUNMI to activate GMS might be needed. Please contact Rubean support in case you need help to connect to SUNMI.
  • Note: SUNMI provides an active list of security patches and an overview of how long security patches will provided by SUNMI on the respective devices. Please see: https://developer.sunmi.com/docs/read/en-US/immeghjk546 for details.
  • SUNMI L2Ks_EEA (GMS)
  • SUNMI V2sNC_EEA (GMS)
  • SUNMI L2H (GMS)
  • SUNMI P2SE (GMS)
  • SUNMI V2s PRO (GMS)
  • SUNMI D2 mini (GMS)
  • SUNMI L2s PRO (GMS)
  • SUNMI V3 Mix (GMS)
  • SUNMI D3 Pro (GMS) (Dual Screen Support)
  • SUNMI T3 Pro (GMS) (Dual Screen Support)
  • TCL 6025H_EEA
  • TCL 5061K_EEA
  • TCL 5028Y_EEAULEPHONE
  • TORMAXX TX 600 LT
  • Ulefone Armor 7E
  • Ulefone Armor 8 Pro
  • Ulefone Armor X10 Pro
  • Ulefone Armor X6 Pro
  • Ulefone Armor X8
  • Ulefone Note 13P
  • Ulefone Power Armor 14 Pro
  • Ulefone Power Aroma X11 Pro
  • Ulefone Armor X7 Pro
  • Urovo i 6310
  • Vivo V 20 SE
  • Vivo V21
  • Vivo V23
  • Vivo Y21s
  • Vivo Y33s
  • Vivo Y52
  • Vivo Y72
  • Vivo Y76
  • XIAOMI 13
  • XIAOMI 11 Lite
  • XIAOMI 11 T
  • XIAOMI 11 T Pro
  • XIAOMI 12 C
  • XIAOMI 12 Lite
  • XIAOMI 12 Pro
  • XIAOMI 12 T
  • XIAOMI 12 T Pro
  • XIAOMI 13 Pro
  • XIAOMI MI 8
  • XIAOMI MI 8 Pro
  • XIAOMI MI 9
  • XIAOMI MI 9 Lite
  • XIAOMI MI 9 SE
  • XIAOMI MI 9 T
  • XIAOMI MI 9 T Pro
  • XIAOMI Mi 10
  • XIAOMI Mi 10 T
  • XIAOMI Mi 10 T Lite
  • XIAOMI Mi 10 T Pro
  • XIAOMI Mi 11
  • XIAOMI Mi 11 i 
  • XIAOMI Mi MIX 2
  • XIAOMI Mi MIX 2 S
  • XIAOMI Mi Note 3
  • XIAOMI POCO F2 Pro
  • XIAOMI POCO F3
  • XIAOMI POCO F4 GT
  • XIAOMI POCO M3
  • XIAOMI POCO M5
  • XIAOMI POCO X3
  • XIAOMI POCO X3 Pro
  • XIAOMI POCO X4 Pro
  • XIAOMI POCO X5
  • XIAOMI POCO X5 Pro
  • XIAOMI POCO X4 GT
  • XIAOMI Redmi 12 C
  • XIAOMI Redmi Note 8 Pro
  • XIAOMI Redmi Note 8T
  • XIAOMI Redmi Note 9
  • XIAOMI Redmi Note 9 Pro
  • XIAOMI Redmi Note 9 T
  • XIAOMI Redmi Note 10 
  • XIAOMI Redmi Note 10 C
  • XIAOMI Redmi Note 10 Pro
  • XIAOMI Redmi Note 10 Lite
  • XIAOMI Redmi Note 10 S
  • XIAOMI Redmi Note 11
  • XIAOMI Redmi Note 11 Pro
  • XIAOMI Redmi Note 11 s
  • XIAOMI Redmi Note 11 SE
  • XIAOMI Redmi Note 12
  • XIAOMI Redmi Note 12 Pro
  • XIAOMI Redmi Note 12 s
  • Zebra Technologies EC500K
  • Zebra Technologies EC55BK
  • Zebra Technologies EM45
  • Zebra Technologies ET56
  • Zebra Technologies MC2700
  • Zebra Technologies PS30
  • Zebra Technologies TC21
  • Zebra Technologies TC22
  • Zebra Technologies TC26
  • Zebra Technologies TC27
  • Zebra Technologies TC26BK
  • Zebra Technologies TC52AX
  • Zebra Technologies TC57
  • Zebra Technologies TC58
  • Zebra Technologies TC57HO
  • Zebra Technologies TC57X
  • Zebra Technologies TC77
  • ZTE Blade V40 Vita
  • ZTE Blade A72

Dec. 2024 statistics

0
Patent Families
0
Active Dealers
0
Transactions Dec 2024
0 €
Transaction Volume Dec 24

Frequently asked Questions

SoftPOS stands for Software Point of Sale and refers to a payment terminal in the form of an app. Corresponding SoftPOS apps enable the acceptance of contactless cards on practically all NFC-enabled devices. 

Geographically, SoftPOS applications can be seen particularly in Europe (especially in Central and Eastern Europe) and Latin America (especially in Brazil), where the vast majority of customers make contactless payments and can therefore use SoftPOS. In terms of sectors, delivery services carry out the highest number of SoftPOS transactions. Among retailers, the categories listed below lead with the number of SoftPOS transactions: miscellaneous food stores, restaurants, hairdressers, cab drivers and bars. 

 System availability: As a SoftPOS provider from the very beginning, Rubean has gained a great deal of experience in setting up a robust, low-failure SoftPOS operation. As a result, two major customers have already switched from competitor solutions to Rubean.

 Local unique selling points: In Germany, Rubean is the only SoftPOS developer to support the girocard, which is used in 69% of all card transactions in stationary retail; in Spain, Rubean is connected to the national gateway Redsys and thus offers cost advantages in cooperation with acquirer BBVA.

 Fully automated, PCI MPoC-compliant terminal activation on centrally administered devices.

 PCI MPoC compliant support for handhelds without Google Mobile Services.
Are you ready to expand your business?
With our help and expertise, we can develop new strategies together to scale your business and win more customers.
Get started now
Rubean is a leading provider of Software Point of Sale (SoftPOS) terminals for accepting contactless card payments on mobile devices, such as regular mobile phones. Small to large retailers, delivery services and restaurants have been using the PCI MPoC verified software under the PhonePOS brand in Europe and Latin America. PhonePOS is the only SoftPOS solution that supports Germany´s most widely used girocard.
Site
Quick links
Contact

Kistlerhofstr. 168 – 81379 Munich – Germany

English
English Deutsch
rubean © 2025 All rights reserved
Rubean Logo schwarz

Rubean AG is a multinational fintech company based in Munich, Germany, and the leading provider of pure software point-of-sale solutions for banks, acquirers and merchants.

Support
Contact
Kistlerhofstraße 168 – München
Linkedin Twitter