The Executive Board of Rubean AG, a Munich-based FinTech company specializing in software point-of-sale (SoftPOS) solutions, has announced expectations of continued significant revenue growth, with consolidated revenue projected to rise to between 5.0 million and 6.0 million euros in 2026, up from 3.71 million euros in the previous year. This announcement was made by Co-CEO Jochen Pielage at the annual shareholders' meeting on Wednesday in Munich.
In the first half of 2026, revenue grew by approximately 50 percent to 2.4 million euros. Pielage emphasized that recurring revenue—fees for the use of Rubean's SoftPOS software—is growing strongly. "Half of the 2026 annual revenue will already come from the particularly profitable recurring revenue. That is significantly more than in the previous year," Pielage stated. This shift toward recurring revenue is expected to more than double compared to the previous year.
The positive trend is anticipated to continue into 2027. Pielage noted, "Thanks to the continued significant growth in recurring revenue, we will reach monthly breakeven in 2027 and close the entire year with a positive net income for the first time." This milestone would mark a transition to sustained profitability for the company.
Rubean's technology replaces traditional card readers with a software app, allowing merchants to accept cashless and mobile payments without additional hardware. The company is already a market leader in Germany and Spain. It has successfully entered markets in other European countries, including Switzerland, France, and the United Kingdom, with support from major banks and payment service providers. Expansion has also extended to North and South America.
"We now work with 19 major banks, including the German Sparkassen, BBVA in Spain, and Commerzbank, as well as internationally active payment service providers in Europe and in North and South America," Pielage said. He added that the groundwork has been laid for expanding sales operations, particularly with the help of new Executive Board member Stephan Kuck.
Rubean's SoftPOS solution, PhonePOS, enables merchants to accept card payments directly on their smartphones without an additional device. It is used by payment service providers, major banks, retailers, and large retail chains across Europe and is the only SoftPOS solution supporting the girocard (EC card) in Germany. The company is listed on m:access and various over-the-counter trading venues, including XETRA. More information is available at www.rubean.com.
The implications of Rubean's growth are significant for the payments industry, as its software-only approach reduces the need for physical hardware, lowering costs for merchants and enabling easier adoption of cashless payments. For readers, this means potentially more accessible and efficient payment options, especially for small businesses. The company's path to profitability signals a maturing SoftPOS market and could encourage further innovation and competition in the sector.
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