Germany POS Terminal Market Size & Share Analysis - Growth Trends & Forecasts (2024 - 2029)

The Germany POS terminal market is segmented by type (fixed point-of-sale and mobile/portable point-of-sale systems) and end-user industry (retail, hospitality, and healthcare).

Germany POS Terminal Market Size

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Germany POS Terminal Market
Study Period 2019 - 2029
Base Year For Estimation 2023
Forecast Data Period 2024 - 2029
Historical Data Period 2019 - 2022
CAGR 8.20 %
Market Concentration Low

Major Players

Germany POS Terminal Market

*Disclaimer: Major Players sorted in no particular order


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Germany POS Terminal Market Analysis

The German POS terminal market is estimated to register a CAGR of 8.2% from 2022 to 2027. The market is already developed for the pre-requisites for POS to flourish across different regions. The developed infrastructure welcomes the expansion of POS terminal devices for payments throughout the country.

  • The government regulations and measures shape the payment scenario in the country. Several laws are introduced to promote different incorporations in the all-in-one POS terminals, complying with the rules. For instance, according to, in November 2021, the German Banking Industry Committee (GBIC) issued a new Technical Annex (TA) 7.2, or TA7.2 Errata update for POS systems, which defined amendments for the "single tap" functionality for requesting PIN in case of contactless payment. The incompliance of the same post 1st January 2022 would incur 2.9 points (or EUR 29 cents) after 30th September 2022.
  • Such measures guide the compliance of the new terminal devices and the need for upgrading the existing devices accordingly. This also defines the cyber security measures, ensuring universal conduct across all POS terminals. The security systems like TA and incorporation of Value Added Tax (VAT) regimes also define the relationship of the device and the software and payment interface services provided by the companies, updating the device kernels regularly.
  • The market is seeing a rise due to the increasing preference for electronic cards for card-related and contactless payments among the German crowd. For instance, according to Euro Card System Institution, a recent survey conducted among 1,200 consumers in June 2021 highlighted that 47% of the consumers indicated they preferred to pay at the register with a giro card (formerly known as an EC card), followed by 13% of the consumers selecting a credit card, and 10% to chose another method. The increasing preference among the crowd generates huge significant demand for POS terminals.
  • Despite the strict measures, cyber security and data breaches are constant threats to the system, still affecting the conservative share of the German population. The inconsistency of the software raises concerning questions. For instance, in May 2022, according to, Verifone's POS Terminal, H5000, stopped processing payments as one of its certificates expired, affecting the transactions for days. The certificate was not an over-the-air update and required visiting the company's website. Such issues also emphasize the importance of compliance with the law and the requirement for smoother technological options and cybersecurity measures.
  • The increased use of online shopping and payment modes through the COVID-19 pandemic has encouraged users to prefer payment modes other than physical transactions through terminals. However, incorporating NFC and QC codes has enabled users to use their online payment and virtual cards through contactless fund transfer methods provided by the POS terminals. The aware and hygiene-conscious users also use their smart wearables and smartphones for contactless payments at the POS terminals, providing constant growth to the market.

Germany POS Terminal Market Trends

This section covers the major market trends shaping the Germany POS Terminal Market according to our research experts:

Retail Industry to Significantly Help Grow the Market

  • The retail sector is shifting towards electronic and online payment modes for the new norm, replacing cash. Introduction of hyper stores and retail chains operating throughout the country prefer centralized payment records and systems, implementing intelligent POS solutions. Such systems are implemented by complying with the government norms, ensuring safe and reliable payments. The evolution of technology is also witnessing smart integrations for a better user experience.
  • For instance, Diebold Nixdorf and McDonald's Germany signed an expanded IT service partnership agreement. According to the agreement, Diebold Nixdorf will provide installation, commissioning, and maintenance services for all new McDonald's Germany restaurant openings or upgrades, coordinating and implementing through its exclusive IT-service partner, SOS Industrieservice GmbH. The partnership also included the deployment of self-service terminals and payment transaction technology like the TSE Connect Box to implement the Kassensicherungsverordnung (KassenSichV; a German security regulation for POS systems).
  • The significant shift in consumers' preferences is another factor supporting the change in payments from cash to electronic media, creating considerable demands for POS terminals. For instance, in May 2022, according to the Global Payment Report 2022 presented by Worldpay, cash transactions accounted for 40% in 2021, compared to 55% in 2020, along with 25% of the transactions to be debit card transactions in 2017, compared to 38% in 2021. Similarly, Credit Card transactions too registered a slight growth from 1% in 20217 to 7% in 2021.
  • The widescale shift after the Covid-19 to avoid cash payments for hygiene has resulted in drastic changes in the market, creating more demand for POS terminals. Moreover, integrations of POS terminals as all-in-one solutions for counter-top options, providing data-driven results for the transactions, has helped retail businesses track their payments better, along with tax and other requisites conveniently. The hand-held form factor and self-service stations will drive the market's future, leveraging Germany's developed retail infrastructure.
Germany POS Terminal Market

Increasing Adoption of Contactless Payments Driving the Market

  • The market is witnessing heavy adoption of contactless modes of payments like "tap-to-pay" with the introduction of NFC. The adoption of users is increasing at a considerable rate. For instance, according to the survey results presented by Postbank, most of the new POS terminals are equipped with NFC as an option to facilitate contactless payments, along with alternatives.
  • The adoption post the COVID-19 pandemic is evident, shifting the German population toward contactless payments. For instance, according to the Postbank Digital Study 2022, 59% of Germans believed digital payment methods to be faster and easier than cash, compared to 50% in 2021. The survey also highlights that 32% of the participants use cards only, and 7% use mobile phones for making payments. Further, 49% of the participants admitted using contactless payment supported by carrying their smartphone with them.
  • The well-established networking infrastructure in the country leads to internet penetration, facilitating the adoption of POS terminals even in remote areas of Germany. According to a survey from "E-Commerce Report in Europe 2021" by Postnord, the proportion of internet users in Germany is 96%. The survey also highlighted that 94% of the citizens had shopped online. This reflects the readiness to expand and adopt contactless payments through POS terminals, including the unreached locations.
  • The widescale introduction of NFC-enabled devices in Germany is what popularized contactless payments for its ease of action. The POS with NFC is gaining popularity for easy and fast payments, leveraging NFC. According to Verifone, 27 million payment cards and 6 million smartphones are enabled for NFC, with options like "tap and go" gaining popularity. Hence, the POS terminal market will benefit significantly from the developments and advancing consumer behavior, considerably driving the growth of POS Terminal devices in Germany.
Germany POS Terminal Market

Germany POS Terminal Industry Overview

The Germany POS terminal market is moderate to highly fragmented, with intense competition among the service providers. Further, the service providers invest strategically in acquisitions and partnerships.

  • February 2022 - SumUp and PrestaShop enter a partnership to support SMEs and easily enable merchants to grow their business in Europe. The users can connect the PrestaShop platform directly to their SumUp account, which activates SumUp as a payment method for online stores, synchronizing all data automatically with their SumUp transaction history. As a result of the partnership, PrestaShop merchants benefit from several additional products and services that SumUp offers its merchants, including card terminals, invoices, the SumUp business account with the SumUp Card, and point-of-sale solutions customized for retailers from the micro and nano segment.

Germany POS Terminal Market Leaders

  1. INGENICO Group S.A.

  2. NCR Corporation

  3. PayPal Inc.

  4. VeriFone, Inc.

  5. SumUp Limited

*Disclaimer: Major Players sorted in no particular order

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Germany POS Terminal Market News

  • June 2022 - ROSSMANN chose SumUp to provide payment terminals across its 2,200 drugstores across Germany. SumUp announced that the ROSSMANN consumers could avail of the payment convenience through SumUp terminals across the chain of stores from 2 June 2022 onwards, making payments through various card and contactless payment methods supported by the SumUp terminals.
  • November 2021 - PayPal introduced the mobile Zettle Terminal in Germany, an all-in-one POS system for the point of sale (PoS), offering more mobility for small and medium-sized companies for their business. The Zettle Terminal would include the pre-installed Zettle Point of Sale app, offering small and medium-sized businesses an integrated solution to accept all important on-site payments. These payments include debit and credit cards, mobile payments like Google Pay, and the PayPal QR code. Also, the app helps manage sales, reports, inventory, and payments across all channels, all on one device.

Germany POS Terminal Market Report - Table of Contents


    1. 1.1 Study Assumption And Market Definition

    2. 1.2 Scope of the Study




    1. 4.1 Market Overview

    2. 4.2 Industry Value Chain Analysis

    3. 4.3 Industry Attractiveness - Porter's Five Forces Analysis

      1. 4.3.1 Bargaining Power Of Suppliers

      2. 4.3.2 Bargaining Power Of Buyers

      3. 4.3.3 Threat Of New Entrants

      4. 4.3.4 Threat Of Substitutes

      5. 4.3.5 Intensity Of Competitive Rivalry

    4. 4.4 Assessment of the Impact of Covid-19 on the Market


    1. 5.1 Market Drivers

      1. 5.1.1 Contactless Payment Gaining Popularity in Germany

      2. 5.1.2 Increased Payments from NFC-Compatible Smartphones and Smart Cards

      3. 5.1.3 Retail Sector Adopting the NFC POS Solutions Considerably

    2. 5.2 Market Challenges

      1. 5.2.1 Data and Security Concerns for Sensitive Information

      2. 5.2.2 Problems With Transaction Limit Installation Costs

    3. 5.3 Market Opportunities

      1. 5.3.1 Rising Adoption of Contactless Payment

    4. 5.4 Key Regulations and Complaince Standards of PoS Terminals

    5. 5.5 Commentary on the Rising Use of Contactless Payment And its Impact on the Industry

    6. 5.6 Analysis of Major Case Studies


    1. 6.1 Segmentation - By Type

      1. 6.1.1 Fixed Point-of-Sale Systems

      2. 6.1.2 Mobile/Portable Point-of-Sale Systems

    2. 6.2 Segmentation - By End-User

      1. 6.2.1 Retail

      2. 6.2.2 Hospitality

      3. 6.2.3 Healthcare

      4. 6.2.4 Others


    1. 7.1 Company Profiles

      1. 7.1.1 Ingenico Group (Worldline)

      2. 7.1.2 NCR Corporation

      3. 7.1.3 Zettle (PayPal)

      4. 7.1.4 VeriFone, Inc.

      5. 7.1.5 SumUp Limited

      6. 7.1.6 DATECS Ltd.

      7. 7.1.7 Pax Technology

      8. 7.1.8 Dspread Technology (Beijing) Inc.

      9. 7.1.9 Sharp Electronics

      10. 7.1.10 myPOS World Ltd.

      11. 7.1.11 Concardis GmbH (Nets Group)

      12. 7.1.12 Vectron Systems AG

      13. 7.1.13 AURES Group

      14. 7.1.14 Nayax Ltd.

      15. 7.1.15 CCV GmbH

      16. 7.1.16 Bluebird Inc.

    2. *List Not Exhaustive


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Germany POS Terminal Industry Segmentation

Point-of-Sale or POS terminal is a fixed or mobile device that facilitates payments through several modes, including cards with a magnetic stripe (credit, debit, or any other compatible card), near field communication (NFC) technology, or QR codes and other media for mobile and internet banking.

The German POS terminal market is segmented by type (fixed point-of-sale and mobile/portable point-of-sale systems) and end-user (retail, hospitality, and healthcare).

The report includes fixed/EPOS terminals comprising PC-based workstations, namely LAN-available terminals and PC-class Processors that are fully programmable and can transmit data to other devices unrestrictedly.

Further, mobile Terminals include electronic funds terminals such as the countertop, multilane, tablet, handheld terminals, PCI-DSS approved chip & PIN devices, approved chip and signature devices, and mPOS devices. All other systems, such as PC-based systems, PIN pads, etc., are excluded from the scope.

Segmentation - By Type
Fixed Point-of-Sale Systems
Mobile/Portable Point-of-Sale Systems
Segmentation - By End-User
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Germany POS Terminal Market Research FAQs

The Germany POS Terminal Market is projected to register a CAGR of 8.20% during the forecast period (2024-2029)

INGENICO Group S.A., NCR Corporation, PayPal Inc., VeriFone, Inc. and SumUp Limited are the major companies operating in the Germany POS Terminal Market.

The report covers the Germany POS Terminal Market historical market size for years: 2019, 2020, 2021, 2022 and 2023. The report also forecasts the Germany POS Terminal Market size for years: 2024, 2025, 2026, 2027, 2028 and 2029.

Germany POS Terminal Industry Report

Statistics for the 2024 Germany POS Terminal market share, size and revenue growth rate, created by Mordor Intelligence™ Industry Reports. Germany POS Terminal analysis includes a market forecast outlook 2029 and historical overview. Get a sample of this industry analysis as a free report PDF download.

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Germany POS Terminal Market Size & Share Analysis - Growth Trends & Forecasts (2024 - 2029)