독일의 POS 단말기 : 시장 점유율 분석, 업계 동향과 통계, 성장 예측(2026-2031년)

According to Mordor Intelligence, the Germany POS terminal market size is projected to expand from USD 11.21 billion in 2025 and USD 12.08 billion in 2026 to USD 16.57 billion by 2031, registering a CAGR of 6.52% between 2026 and 2031.

This report is Segmented by Mode of Payment Acceptance (Contact-Based, and Contactless), POS Type (Fixed Point-Of-Sale Systems, and Mobile and Portable Point-Of-Sale Systems), End-User Industry (Retail, Hospitality, Healthcare, Transportation and Logistics, and Mores), and Geography. The Market Forecasts are Provided in Terms of Value (USD).

Germany POS Terminal Market Trends and Insights

Contactless Payment Penetration Exceeding 65% Of In-Store Card Spend

Contactless transactions made up 87% of girocard payments by December 2024, up from 74% two years earlier, forcing merchants to retire contact-only hardware or risk checkout friction as tap-to-pay becomes the default experience. The speed differential, with NFC taps clearing about 30% faster than chip-and-PIN, improves throughput and queue management during peak trading hours. Tokenization upgrades tied to the girocard roadmap demand secure-element support that most pre-2022 devices lack, creating a technical obsolescence cliff. Retailers in grocery, quick-service restaurants, and public transportation therefore front-load capital expenditure to secure BaFin-certified replacements. City-center merchants have reacted quickest, but rural operators are now following as mobile-wallet usage jumped from 5% of card transactions in 2022 to 16% in 2024.

Rapid mPOS Adoption Among SMEs Via Fintech Bundles

Fintech challengers have bundled card acceptance with invoicing, bookkeeping, and instant cash advances, collapsing perceived hardware cost to zero for micro-businesses. SumUp alone processed more than 1 billion transactions in 2024, proof that penetration has shifted from early adopters to the SME mainstream. Working-capital advances underwritten on payment flow data remove collateral barriers that previously discouraged small retailers from adopting electronic payments. KassenSichV allows cloud-based technical security systems for mobile devices, trimming recertification overhead for itinerant merchants and food-truck operators. The combination of regulatory latitude and bundled finance sharply tilts preference toward portable devices, accelerating the mPOS share-take from fixed lanes.

Cyber-Resilience Costs For PCI DSS v4.0 And NIS2 Compliance

Mandatory migration to PCI DSS v4.0 in March 2025 introduced 53 new controls, including continuous vulnerability scanning and encrypted east-west network traffic, driving one-off remediation bills that can surpass USD 500,000 for large payment providers. NIS2, transposed into German law four months earlier, compounds the burden with 24-hour incident reporting, board-level accountability, and potential fines of 2% of global revenue. Mid-market acquirers face a fixed-cost wedge that erodes pricing flexibility, postponing terminal-upgrade budgets and nudging smaller independent sales organizations toward consolidation.

Other drivers and restraints analyzed in the detailed report include:

1. Retail Cloud-POS Refresh Cycle Driven By Software End-Of-Life
2. Growing Debit Card Transaction Volumes And Girocard Tokenization
3. Rising Scheme Fees On International Debit

For complete list of drivers and restraints, kindly check the Table Of Contents.

Segment Analysis

Contactless hardware captured 65.29% of the Germany POS terminal market share in 2025 and will outpace contact-based systems at a 6.98% CAGR to 2031. Merchant preference has tilted decisively toward NFC because customer dwell time falls and girocard mandates demand it. The Germany POS terminal market size for contact-based devices is stagnating as their embedded cryptographic modules cannot support token-based authentication.

Capital allocation follows transaction density; grocery chains and urban quick-service restaurants are bulk-ordering Android NFC countertop units, while pop-up retailers deploy Bluetooth-enabled card readers tethered to tablets. Firmware-level tokenization and certified remote key injection insulate contactless devices from compliance obsolescence, ensuring that residual values stay higher at buyback. Consequently, secondary leasing firms are shifting portfolios toward these upgraded assets.

Complete Report Scope:

• By Mode of Payment Acceptance
  • Contact-Based
  • Contactless
• By POS Type
  • Fixed Point-of-Sale Systems
  • Mobile and Portable Point-of-Sale Systems
• By End-User Industry
  • Retail
  • Hospitality
  • Healthcare
  • Transportation and Logistics
  • Other End-User Industries

List of Companies Covered in this Report:

1. Worldline SA (includes Ingenico)
2. Verifone Systems Inc.
3. PAX Technology Limited
4. NCR Voyix Corporation
5. Diebold Nixdorf AG
6. PayPal Holdings Inc. (Zettle)
7. SumUp Payments Limited
8. DATECS Ltd.
9. Dspread Technology (Beijing) Inc.
10. Castles Technology Co. Ltd.
11. Fujian Newland Payment Technology Co. Ltd.
12. Fujian Centerm Information Co. Ltd.
13. myPOS World Ltd.
14. Concardis GmbH (Nets Group)
15. Vectron Systems AG
16. AURES Technologies SA
17. Nayax Ltd.
18. CCV GmbH
19. Shift4 Payments
20. Nexi Group
21. AURES Technologies SA
22. GK Software SE

Additional Benefits:

• The market estimate (ME) sheet in Excel format
• 3 months of analyst support

TABLE OF CONTENTS

1 INTRODUCTION

• 1.1 Study Assumptions and Market Definition
• 1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET LANDSCAPE

• 4.1 Market Overview
• 4.2 Market Drivers
  • 4.2.1 Contactless Payment Penetration Exceeding 65 % of In-Store Card Spend
  • 4.2.2 Rapid mPOS Adoption Among SMEs Via Fintech Bundles
  • 4.2.3 Retail Cloud-POS Refresh Cycle Driven by Software End-of-Life
  • 4.2.4 Growing Debit Card Transaction Volumes and Girocard Tokenization
  • 4.2.5 Digital Euro Readiness Clauses in Retailer RFPs
  • 4.2.6 Android Smart POS App Stores Unlocking Value-Added Services
• 4.3 Market Restraints
  • 4.3.1 Rising Scheme Fees on International Debit
  • 4.3.2 Cyber-Resilience Costs for PCI DSS v4.0 and NIS2 Compliance
  • 4.3.3 Supply-Chain Dependency on Chinese Android ODMs
  • 4.3.4 Shrinking High-Street Footprint Reduces Absolute Terminal Growth
• 4.4 Industry Value Chain Analysis
• 4.5 Regulatory Landscape
• 4.6 Technological Outlook
• 4.7 Impact of Macroeconomic Factors
• 4.8 Porter's Five Forces Analysis
  • 4.8.1 Bargaining Power of Suppliers
  • 4.8.2 Bargaining Power of Buyers
  • 4.8.3 Threat of New Entrants
  • 4.8.4 Threat of Substitutes
  • 4.8.5 Intensity of Competitive Rivalry

5 MARKET SIZE AND GROWTH FORECASTS (VALUE)

• 5.1 By Mode of Payment Acceptance
  • 5.1.1 Contact-Based
  • 5.1.2 Contactless
• 5.2 By POS Type
  • 5.2.1 Fixed Point-of-Sale Systems
  • 5.2.2 Mobile and Portable Point-of-Sale Systems
• 5.3 By End-User Industry
  • 5.3.1 Retail
  • 5.3.2 Hospitality
  • 5.3.3 Healthcare
  • 5.3.4 Transportation and Logistics
  • 5.3.5 Other End-User Industries

6 COMPETITIVE LANDSCAPE

• 6.1 Market Concentration
• 6.2 Strategic Moves
• 6.3 Market Share Analysis
• 6.4 Company Profiles (includes Global Level Overview, Market Level Overview, Core Segments, Financials as available, Strategic Information, Market Rank/Share, Products and Services, Recent Developments)
  • 6.4.1 Worldline SA (includes Ingenico)
  • 6.4.2 Verifone Systems Inc.
  • 6.4.3 PAX Technology Limited
  • 6.4.4 NCR Voyix Corporation
  • 6.4.5 Diebold Nixdorf AG
  • 6.4.6 PayPal Holdings Inc. (Zettle)
  • 6.4.7 SumUp Payments Limited
  • 6.4.8 DATECS Ltd.
  • 6.4.9 Dspread Technology (Beijing) Inc.
  • 6.4.10 Castles Technology Co. Ltd.
  • 6.4.11 Fujian Newland Payment Technology Co. Ltd.
  • 6.4.12 Fujian Centerm Information Co. Ltd.
  • 6.4.13 myPOS World Ltd.
  • 6.4.14 Concardis GmbH (Nets Group)
  • 6.4.15 Vectron Systems AG
  • 6.4.16 AURES Technologies SA
  • 6.4.17 Nayax Ltd.
  • 6.4.18 CCV GmbH
  • 6.4.19 Shift4 Payments
  • 6.4.20 Nexi Group
  • 6.4.21 AURES Technologies SA
  • 6.4.22 GK Software SE

7 MARKET OPPORTUNITIES AND FUTURE OUTLOOK

• 7.1 White-Space and Unmet-Need Assessment