MUNICH — Rubean AG, a rapidly growing FinTech company based in Munich, announced at its annual shareholders’ meeting on Wednesday that it expects consolidated revenue to reach between 5.0 million and 6.0 million euros in 2026, up from 3.71 million euros in the previous year. The company reported that revenue in the first half of the year grew by approximately 50 percent to 2.4 million euros, underscoring a trajectory of accelerating growth.
Co-CEO Jochen Pielage highlighted the increasing importance of recurring revenue from the company’s SoftPOS software. “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 said. This shift toward recurring revenue is expected to more than double in 2026, providing a stable and scalable income stream.
The company’s software-based point-of-sale (SoftPOS) solution, PhonePOS, allows merchants to accept card payments directly on their smartphones without the need for additional hardware. This technology eliminates the logistical overhead of traditional card readers, making it attractive for small and large retailers, restaurants, delivery services, and other businesses. Rubean is already a market leader in Germany and Spain, and has successfully expanded into other European countries such as Switzerland, France, and the United Kingdom, as well as North and South America, with support from major banks and payment service providers.
“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 stated. He added that the groundwork has been laid for expanding a very successful sales operation, particularly with the help of newly appointed Executive Board member Stephan Kuck.
Looking ahead, Pielage expressed confidence in the company’s financial outlook. “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,” he said. This milestone would mark a turning point for Rubean, transitioning from a growth-focused phase to sustainable profitability.
The implications of Rubean’s growth are significant for the payment industry. As more merchants adopt softPOS solutions, the reliance on physical hardware diminishes, potentially lowering costs and barriers for cashless payment acceptance. Rubean’s success also signals the viability of software-only payment terminals in a market traditionally dominated by hardware providers. With partnerships across multiple continents and a robust pipeline of recurring revenue, Rubean is positioning itself as a key player in the global digital payment ecosystem.
For more information, visit www.rubean.com.
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