Consortium Creates Hardware-Free PIN-Based mPOS for Android

Rubean and CCV, in partnership with Intertrust and Riscure, has announced the launch of a jointly developed contactless payment application that transforms Android handsets running 8.0 Oreo or later into contactless payment terminals, supporting PIN entry with no additional hardware, the company said.

Developed to PCI CPoC standards and certified to Visa and Mastercard brand pilot-programs, PhonePOS will launch first in Germany and then roll-out more broadly throughout Europe. The solution will be deployed through European-based acquiring banks, and also offered as a service through CCV.

By making commerce even more frictionless, millions of merchants can now safely and easily accept card payments from anywhere. The solution brings card acceptance and enhanced business opportunities to millions of micro-merchants. It enables them to accept credit cards for goods and services using only PhonePOS and their Android handset.

It requires no additional hardware, removing the expense and hassle of the card-readers and dongles necessary with alternative solutions. PhonePOS is also being tested for deployment onto professional retail tablets with full terminal-management capabilities, extending support to larger retailers.

Rubean and CCV have worked together to develop and deploy the seamless solution. Rubean´s security and monitoring software meets the high requirements of a smartphone-based card terminal. CCV´s acCEPT PaaS (Payment-as-a-Service) ecosystem, proven in thousands of live installations worldwide, is the optimum solution for the new tap-on-phone system as it deploys most parts of the POS functionality to the cloud. This makes PhonePOS a lightweight app with increased security and flexibility.

Rubean AG is a FinTech company listed on the Munich Open Market (Symbol R1B:GR) and has developed the softPOS solution PhonePOS together with partner CCV. Additional information is available at

CCV Group, the family owned European payment solutions provider services over 600,000 businesses with end-to-end payment solutions in Europe. Additional information is available at

Riscure is a vendor of security tools and training for edge devices. Find out more at

Intertrust provides trusted computing products and services to global corporations — from mobile, consumer electronics and IoT manufacturers, to service providers and enterprise software platform companies. Additional information is available at