Rubean AG Reports 170% Revenue Growth in First Nine Months of 2025

Rubean AG, the Munich-based fintech company, reported substantial revenue growth during the first nine months of the 2025 fiscal year, with revenue increasing by 170 percent compared to the same period last year. The company's revenue rose from EUR 1.3 million to over EUR 3.5 million by the end of September 2025, demonstrating significant market traction for its software-based payment solutions.

The company's growth trajectory has been bolstered by strategic business developments, most notably a recently concluded license agreement with Payten, one of Europe's leading payment service providers. This partnership represents a significant expansion opportunity for Rubean, enabling the company to extend its presence throughout Central Eastern Europe. Payten operates as a subsidiary of the ASEE Group, which is publicly traded on the Warsaw Stock Exchange, adding credibility and market reach to this collaboration.

Rubean AG specializes in providing pure software point-of-sale solutions for financial institutions, acquirers, and merchants across Europe. The company's flagship product, PhonePOS, represents a mobile softPOS solution that allows merchants to accept card payments directly through their smartphones without requiring additional hardware devices. This technology eliminates the need for traditional payment terminals, reducing costs and increasing flexibility for businesses of all sizes.

The PhonePOS solution stands out in the German market as the only softPOS technology that supports girocard (EC card) payments, providing a distinct competitive advantage in a market where girocard remains widely used. This compatibility has positioned Rubean as a crucial player in the digital payment transformation occurring across European financial markets.

Rubean's impressive growth reflects broader industry trends toward software-based payment solutions that offer greater flexibility and lower operational costs compared to traditional hardware-dependent systems. The company's expansion into Central Eastern Europe through the Payten partnership indicates the growing demand for mobile payment technologies across diverse European markets. This regional expansion could potentially open new revenue streams and establish Rubean as a pan-European provider of softPOS solutions.

The company's performance through the first three quarters of 2025 suggests strong market adoption of mobile payment technologies, particularly among smaller merchants seeking cost-effective alternatives to traditional payment terminals. With expectations for continued growth in the fourth quarter, Rubean's trajectory signals the increasing relevance of software-based payment solutions in the evolving fintech landscape. Additional information about the company's products and services can be found at https://www.rubean.com.

For the broader payment industry, Rubean's success demonstrates the viability of pure software solutions in markets traditionally dominated by hardware providers. The company's ability to nearly triple revenue within a single year indicates substantial market demand for flexible, mobile payment acceptance methods that can adapt to various business models and customer preferences.