Rubean AG Projects Revenue Surge to Up to 6 Million Euros in 2026, Driven by Recurring Software Fees

Rubean AG, a rapidly growing FinTech company headquartered in Munich, Germany, is projecting a significant increase in consolidated revenue for 2026, forecasting between 5.0 million and 6.0 million euros, up from 3.71 million euros in the previous year. The announcement was made by Co-CEO Jochen Pielage during the company’s annual shareholders’ meeting on Wednesday in Munich. The company reported that revenue in the first half of 2026 grew by approximately 50 percent to 2.4 million euros, underscoring the accelerating adoption of its software-only point-of-sale (SoftPOS) solutions.

Pielage highlighted that recurring revenue—fees from the use of Rubean’s SoftPOS software—is growing strongly and is expected to account for half of the 2026 annual revenue. “That is significantly more than in the previous year,” he stated, emphasizing the profitability of recurring revenue streams. Rubean’s technology replaces traditional card readers with a software app that can be replicated without the logistical overhead of additional hardware. This enables retailers, restaurants, delivery services, and other businesses to accept cashless and mobile payments directly on smartphones.

The company is already a market leader in Germany and Spain and has successfully entered markets in Switzerland, France, the United Kingdom, and parts of North and South America. Rubean now collaborates with 19 major banks, including the German Sparkassen, BBVA in Spain, and Commerzbank, as well as internationally active payment service providers. “The groundwork has been laid for expanding a very successful sales operation, especially with the help of my new colleague on the Executive Board, Stephan Kuck,” Pielage said at the meeting.

Looking ahead, Rubean expects to reach monthly breakeven in 2027 and close the entire year with a positive net income for the first time, driven by continued significant growth in recurring revenue. The company’s softPOS solution, PhonePOS, is the only such solution that supports the girocard (EC card) in Germany, offering a unique value proposition in the market.

The implications of Rubean’s growth are substantial for the payments industry in Texas and beyond. As businesses increasingly seek to reduce hardware costs and accept digital payments, Rubean’s software-only approach lowers barriers to entry for small merchants and expands access to cashless transactions. For Texas, a state with a vibrant retail and service sector, the adoption of SoftPOS could accelerate, particularly among small businesses and delivery services looking for flexible payment solutions. Rubean’s partnerships with major banks and payment providers also signal a shift toward software-based payment acceptance, potentially reshaping the competitive landscape in the U.S. market. The company’s trajectory toward profitability in 2027 further underscores the viability of its business model, offering a blueprint for other fintechs aiming to scale sustainably.