Payment terminals and SoftPOS providers in Europe
7 verified European providers, ranked European-origin first (6 EU/EEA-origin). POS hardware and software-only terminals - Ingenico (French heritage, now Apollo-owned), CCV, Rubean and phos vs US Verifone; who physically accepts the tap. Compare by EEA data residency, licence and regulator - each verified at source.
7 verified providers
Last source verification in this list: 2026-07-13. How we verify →
CCV (Arnhem, Netherlands; roots to 1958) - Dutch payment-terminals and PSP group serving retailers across NL/BE/DE/CH, with a SoftPOS solution built with Rubean. NB: acquired by Fiserv (US, 2025) to expand the Clover platform in Europe - ownership flag.
Comgate (Czech Republic) - Czech PSP for e-shops and physical stores: payment gateway plus payment terminals, with direct Visa/Mastercard acquirer status since 2023; 21,000+ merchants and over CZK 53bn processed annually. Payment institution (Czech National Bank).
Ingenico (Suresnes, France) - the global leader in payment terminals: AXIUM Android terminals, Terminal-as-a-Service and the PPaaS payments platform. Sold by Worldline to Apollo Funds (closed Oct 2022), operating as an independent company since - ownership flag (US PE). Acquired SoftPOS provider phos (2023).
phos (Sofia, Bulgaria) - software-only point-of-sale (SoftPOS): turns Android phones into contactless payment terminals, white-labelled for banks and acquirers. Acquired by Ingenico (Mar 2023) - Bulgarian engineering inside the global terminals leader.
Polskie ePłatności - PeP (Rzeszow/Warsaw, Poland) - one of Poland's largest merchant acquirers with 125,000+ POS terminals, in-store and online acceptance. National Payment Institution (KNF). NB: acquired by Nets (Oct 2020, EV EUR 405m), now part of the Nexi Group - ownership flag (EU). Register-sourced: Payment institution (PI), Polish Financial Supervision Authority, ref 5862141089; passported to 30 EEA states.
Rubean (Munich, Germany; listed) - software-only POS (SoftPOS) for banks, acquirers and merchants: PhonePOS with PCI MPoC-certified software deployed across Europe and Latin America since 2020; SoftPOS partner of CCV.
Verifone (San Jose, US) - one of the largest global providers of payment terminals and point-of-sale electronic payment systems. Contrast / US.
FAQ
What is SoftPOS?
Software-only acceptance: an NFC Android phone becomes the terminal (PCI MPoC-certified), no hardware. Fintechnologica lists 7 verified terminal and SoftPOS providers (6 European-origin).
Is the terminal layer European?
Largely yes by heritage - Ingenico (FR) is the global leader and CCV (NL) a major player - though ownership is shifting (Ingenico under US PE, CCV acquired by Fiserv). The catalogue shows ownership flags next to origin so you see both.