Rubean Ag · XETR:R1B
Rubean — Investor Presentation (July 2025)
14 slides from Rubean's investor presentation, July 2025
Slide 1: The future of contactless payments
The future of contactless payments Company Overview Q3 2025 © 2025 Rubean AG – confidential and proprietary information
Slide 2: Rubean solves this problem
RUBEAN SOLVES THIS PROBLEM • Since the pandemic, physical cash has been increasingly replaced by card payments. • Merchants, couriers & tradespeople require specialized hardware (PTS devices) to accept card payments. This special hardware is cumbersome and just as expensive as handling cash. © 2025
Slide 3: The solution: Rubean's PhonePOS
THE SOLUTION: RUBEAN‘S PHONEPOS Any merchant can accept card payments on their mobile device with the APP. © 2025 Rubean AG – confidential and proprietary information 3
Slide 4: One solution suits different audiences
ONE SOLUTION SUITS DIFFERENT AUDIENCES Rubean’s software APP enhances mobile devices by adding the capability of a full card-acceptance terminal (POS). For Individual Merchants For Enterprise Customers integrated into their banking APP integrated into their enterprise APP © 2025 Rubean AG – confiden
Slide 5: Solution Overview
SOLUTION OVERVIEW © 2025 Rubean AG – confidential and proprietary information 5
Slide 6: Security Rules: All Certifications
Security Rules: All Certifications • App Certifications: • Mastercard, Visa & girocard (DK) approvals for Full-SDK and APP. • PCI MPoC Software (Isolated SDK): Listed on PCI homepage. • PCI MPoC Solution: Listed on PCI homepage. • Operation Certifications: • PCI DSS, PCI PIN, PCI SLC, PCI SSS © 2025
Slide 7: Primary customer use cases
PRIMARY CUSTOMER USE CASES Less cash handling, Enormous time Logistics Higher productivity less devices to carry savings Additional dynamic Advice and payment Backup in case PTS Retail mobile cash desks on one tablet infrastructure fails Payment on Enormous time Flexible scalability of Hospitality o
Slide 8: Selected customers
SELECTED CUSTOMERS Delivery Companies Retail Chains Hospitality & Events © 2025 Rubean AG – confidential and proprietary information 8
Slide 9: Selected partners – banks & acquirers
SELECTED PARTNERS – BANKS & ACQUIRERS Acquirers Selling Rubean PhonePOS to Their Merchants Germany: Europe & UK: Spain: Eastern EU: Colombia: Global: © 2025 Rubean AG – confidential and proprietary information 9
Slide 10: Germany runs on girocard
GERMANY RUNS ON girocard • Only Rubean’s solution supports girocard. Number of girocard Transactions in Germany (billions) • Germany is the largest market in Europe. 8,000 7,479 7,000 6,710 • 61.8 % of German retail transactions paid by card. 5,916 6,000 5,478 • 69% of all card payments with girocar
Slide 11: Rubean's business model
RUBEAN’S BUSINESS MODEL Three ways to license the solution: 1. Monthly license fee for each installed Rubean APP: • Enterprise customers buy licenses directly from Rubean. • Individual merchants get licenses from their banks, who buy them from Rubean. 2. Transaction fee or a share of transaction vol
Slide 12: Expansion based on strong foundation
EXPANSION BASED ON STRONG FOUNDATION Premium customer service, enabling multiple wins 1 from competitors (Correos ES, Deichmann EU) 2 99,95+ % SLA 3 Acquirer agnostic. 14 connections and growing 4 girocard experts. 5+ processors connected 5 US market launch in Q3 2025 © 2025 Rubean AG – confidential
Slide 13: Overview
Overview ✓ Fully certified – PCI MPoC, PCI DSS, PCI SLC, PCI SSS ✓ Supports Android 8 and above ✓ The only softPOS certified solution for accepting ✓ Supports all major card schemes ✓ Connected with acquirers and PSPs © 2025 Rubean AG – confidential and proprietary information 13
Slide 14: Rubean AG shares - WKN: 512080 / ISIN: DE0005120802
RUBEAN AG SHARES - WKN: 512080 / ISIN: DE0005120802 Contacts: Dr. Hermann Geupel, CEO Jochen Pielage, CTO & COO hermann.geupel@rubean.com jochen.pielage@rubean.com © 2025 Rubean AG – confidential and proprietary information