Rubean AG: management transactions · Germany · BaFin

About Rubean AG

Rubean AG is a German fintech company listed on Xetra/Frankfurt (DAX/MDAX/SDAX) and headquartered in Munich, Germany. The company focuses on SoftPOS solutions, meaning fully software-based point-of-sale terminals that allow contactless card acceptance directly on a standard smartphone or Android/iOS device, without the need for a dedicated card reader. Its customer base is primarily made up of banks, acquirers, payment service providers, retailers, small and medium-sized merchants, and selected larger commercial accounts across Europe. Rubean operates in a technology segment with strong structural growth, supported by the shift to digital payments and the expansion of mobile checkout use cases in retail, delivery, hospitality, events, and field services. Founded in 1999, the company has built its expertise around payment software, banking integration, and regulatory certification. Its flagship product, PhonePOS / SoftPOS, is positioned by the group as PCI MPoC certified and as the only SoftPOS solution that supports girocard in Germany, which is a meaningful differentiator in its domestic market. Rubean also promotes additional software building blocks and use cases such as backup POS, mobile checkout, delivery services, hospitality, events, and consultative sales. This product specialization reinforces its role as a lightweight, flexible, rapidly deployable payment infrastructure provider. From a competitive standpoint, Rubean operates in an international market dominated by larger payment and terminal players, but it benefits from niche strengths: PCI MPoC compliance, girocard support, partnerships with payment networks, and the ability to integrate its software into banking and retail environments. Recent company communications suggest solid commercial momentum. The group reported revenue above EUR 1 million in 2023, almost EUR 1.94 million in 2024 on preliminary figures, and continued strong growth in the first nine months of 2025. Rubean also announced several commercial agreements and partnerships, including collaborations with Discover/Global Payments in Germany, SEUR in Spain, and Payten to support expansion in Central and Eastern Europe. Geographically, the company has a European footprint, with deployments in Germany, Spain, other European markets, and Latin America. In March 2025, Rubean also announced a management-board realignment, appointing Jochen Pielage as Co-CEO to support growth and finance functions. For French-speaking investors, Rubean remains a technology small cap with high operational and commercial leverage, exposed to implementation cycles but supported by a large and structurally expanding addressable market.