德國POS終端市場：市場佔有率分析、產業趨勢、統計數據和成長預測（2026-2031年）

德國POS終端市場預計到2026年將達到120.8億美元，高於2025年的112億美元。預計到2031年將達到176.2億美元，2026年至2031年的複合年成長率為7.85%。

這一強勁的市場前景得益於以下因素：現金支付的加速普及、非接觸式支付的興起，以及監管機構要求終端現代化以支持Giro卡和即將推出的數位歐元。智慧型手機普及率的提高、寬頻網路的快速發展以及零售商的全通路策略，進一步推動了對支援NFC功能的終端、雲端軟體和增值支付服務的需求。現有企業正透過遠端更新架構和人工智慧驅動的分析來應對這項挑戰，而新參與企業則將行動POS讀卡機與商家錢包捆綁銷售，以降低傳統價格。由此產生的交易數據爆炸性成長，為詐欺預防和客戶洞察創造了新的機遇，並為服務提供者帶來了額外的收入來源。

德國POS終端市場趨勢與洞察

非接觸式支付的激增正在重塑終端要求。

到2024年12月，非接觸式交易將透過Girocard完成，佔比超過87%。這種快速成長迫使商家部署具備令牌化和多錢包功能的NFC讀卡機。消費者越來越期望「即觸即付」的便捷性，18%的消費者表示，如果他們首選的數位支付方式不可用，他們會感到不滿，這促使不合規的商店進行現代化改造。德國實施的PCI DSS v4.0標準要求在設備層面採用更嚴格的加密和認證，這進一步加劇了這一趨勢。這些因素共同推動了現代化終端的普及，並維持了德國POS終端市場的成長動能。

行動POS金融科技的興起加速了中小企業對該技術的採用。

SumUp 和 Zettle 的行動 POS 系統硬體價格低於 35 歐元，透明的 girocard 手續費低於 1%，降低了部署成本，讓電子支付即使是小規模零售商和獨立咖啡館也能輕鬆使用。簡化的部署流程和「按需付費」模式消除了合約的複雜性，直接促成了店內交易無現金支付率提升 20 個百分點，達到 81%。餐飲企業可以享受餐桌支付和小費的便利，而快閃店則可以利用智慧型手機連線繞過固定終端。這些趨勢正在擴大德國 POS 終端市場的潛在基本客群。

國際支付成本不斷上升，對利潤率帶來壓力。

使用Visa和萬事達簽帳金融卡支付，尤其是在國際支付網路預設使用行動錢包的情況下，通常會產生比國內信用卡費率高出數倍的商家手續費。對於小規模零售商而言，這些增加的手續費會顯著削減其利潤，迫使他們考慮收取附加費、設定支付限額或採用終端路由邏輯來自動選擇成本更低的支付方式。儘管監管機構提倡競爭中立，但這在短期內會減緩部分終端的交易成長，並降低德國POS終端市場的潛在收入。

細分市場分析

預計到2025年，非接觸式支付將佔商店支付總額的65.18%，並以9.96%的複合年成長率持續成長。這一成長趨勢將推動德國POS終端市場規模在整個預測期內持續擴大，尤其是在「一觸即付」終端方面。這一成長反映了近乎普及的NFC技術在電子支付卡上的應用、智慧型手錶錢包的流行以及消費者對衛生、非接觸式支付方式日益成長的信心。此外，交易速度的提升也增加了收購方的費用收入，從而促進了這一領域的成長。

非接觸式支付在諸如高價值交易、超出非接觸式支付限額且需要輸入PIN碼的交易以及加油站等行業仍將繼續使用，但其相對佔有率將會下降。即將推出的數位歐元試點計畫將進一步推動非接觸式支付的普及，因為可程式設計的央行數位貨幣（CBDC）錢包專為快速小額支付而設計。因此，商家將部署能夠同時支援離線CBDC和線上卡片認證的雙介面終端，並提供現場升級功能。提供簡化的空中韌體下載服務的供應商可能會更受歡迎，因為這可以最大限度地減少收銀員的停機時間。

其他福利：

• Excel格式的市場預測（ME）表
• 3個月的分析師支持

目錄

第1章 引言

• 研究假設和市場定義
• 調查範圍

第2章調查方法

第3章執行摘要

第4章 市場情勢

• 市場概覽
• 市場促進因素
  • 非接觸式支付的滲透率已超過商店卡片付款的65%。
  • 強制性的Girocard/SEPA即時支付路由規則擠壓收購方的利潤空間
  • 透過金融科技組合（SumUp、Zettle），中小企業迅速採用行動POS機。
  • 零售雲端POS系統的更新週期取決於軟體生命週期結束時間（5-6年）。
  • 試點人工智慧驅動的損失預防和電腦視覺自助結帳系統
  • 德國零售商招標書中的歐元數位化條款（2026 年及以後）
• 市場限制
  • 國際簽帳金融卡的手續費較高（比 Girocard 高 3-4 倍）
  • PCI DSS v4.0 和 NIS2 合規性的網路彈性成本
  • 商業街店鋪面積的萎縮將限制最終的絕對成長。
  • 碎片化的軟體架構會降低獨立公司雲端遷移的投資報酬率。
• 產業價值鏈分析
• 監管環境
• 技術展望
• 宏觀經濟因素的影響
• 波特五力分析
  • 供應商的議價能力
  • 買方的議價能力
  • 新進入者的威脅
  • 替代品的威脅
  • 競爭對手之間的競爭
• 對影響市場的宏觀經濟因素進行評估

第5章 市場規模及成長預測（美元）

• 透過付款方式
  • 聯繫類型
  • 非接觸式支付
• 按POS類型
  • 固定式POS系統
  • 行動/可攜式POS系統
• 按最終用戶行業分類
  • 零售
  • 飯店業
  • 衛生保健
  • 運輸/物流
  • 其他終端用戶產業

第6章 競爭情勢

• 市場集中度
• 策略趨勢
• 市佔率分析
• 公司簡介
  • Worldline SA
  • Verifone Systems Inc.
  • PAX Technology Limited
  • NCR Voyix Corporation
  • Diebold Nixdorf AG
  • PayPal Holdings Inc.（Zettle）
  • SumUp Payments Limited
  • DATECS Ltd.
  • Dspread Technology（Beijing）Inc.
  • Castles Technology Co. Ltd.
  • Fujian Newland Payment Technology Co. Ltd.
  • Fujian Centerm Information Co. Ltd.
  • myPOS World Ltd.
  • Concardis GmbH（Nets Group）
  • Vectron Systems AG
  • AURES Technologies SA
  • Nayax Ltd.
  • CCV GmbH
  • Bluebird Inc.
  • BBPOS Limited
  • New POS Technology Limited

第7章 市場機會與未來展望

Germany POS Terminal Market size in 2026 is estimated at USD 12.08 billion, growing from 2025 value of USD 11.20 billion with 2031 projections showing USD 17.62 billion, growing at 7.85% CAGR over 2026-2031.

This solid outlook rests on the accelerated shift away from cash, the dominance of contactless transactions, and a regulatory agenda that obliges merchants to modernize terminals for girocard routing and forthcoming digital-euro acceptance. Rising smartphone penetration, strong broadband coverage, and retail omnichannel strategies further reinforce demand for NFC-ready devices, cloud software, and value-added payment services. Market incumbents are responding with remote-update architectures and AI-driven analytics, while new entrants bundle mobile POS readers with merchant wallets to undercut traditional pricing. The accompanying surge in transaction data unlocks opportunities in fraud prevention and customer insight, giving providers additional revenue streams.

Germany POS Terminal Market Trends and Insights

Contactless payment surge reshapes terminal requirements

Contactless transactions processed via girocard surpassed 87% by December 2024, a leap that requires merchants to install NFC-capable readers with tokenization and multi-wallet functionality. Consumers increasingly expect tap-and-go convenience, and 18% experience rejection when a favorite digital option is unavailable, pushing hold-outs to modernize. Germany's PCI DSS v4.0 roll-out adds urgency by mandating stronger encryption and authentication at the device level. Together, these factors expand the installed base of modern terminals and sustain the Germany POS terminal market's momentum.

mPOS fintech disruption accelerates SME adoption

Mobile POS bundles from SumUp and Zettle lower entry costs with hardware priced below EUR 35 and transparent sub-1% girocard fees, bringing electronic acceptance to micro-retailers and independent cafes. The simplified onboarding and pay-as-you-grow model remove contractual complexity, directly contributing to a 20-point rise in cashless acceptance to 81% of in-store transactions. Hospitality operators benefit from tableside checkout and tipping features, while pop-up retailers leverage smartphone connectivity to avoid fixed terminals. These patterns are expanding the addressable customer base for the Germany POS terminal market.

Escalating international scheme costs pressure margins

Visa and Mastercard debit routing often carries merchant service charges several multiples above domestic girocard rates, particularly when transactions originate from mobile wallets that default to international rails. For small retailers, higher fees cut deeply into net margins, prompting them to weigh surcharges, acceptance limits, or terminal routing logic that automatically selects lower-cost instruments. Although regulators promote competitive neutrality, the near-term effect dampens transaction growth on some devices, trimming addressable revenue for the Germany POS terminal market.

Other drivers and restraints analyzed in the detailed report include:

1. Mandatory routing rules intensify competitive dynamics
2. Cloud migration driven by software lifecycle pressures
3. Compliance complexity elevates operational costs

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

Segment Analysis

Contactless transactions accounted for 65.18% of in-store payments in 2025 and are on track to advance at a 9.96% CAGR, a trajectory that will raise the Germany POS terminal market size attached to tap-and-go devices throughout the forecast window.This expansion reflects near-universal NFC support on girocards, the popularity of smartwatch wallets, and rising consumer confidence in hygienic, no-touch checkout. The segment's growth also benefits from higher transaction velocities that uplift acquirer fee pools.

Contact-based methods persist for larger-ticket purchases, PIN-required flows above the contactless limit, and verticals such as fuel retail, yet their relative share declines. Upcoming digital-euro pilots will further entrench contactless behavior, as programmable CBDC wallets target rapid low-value settlement. Accordingly, merchants procure terminals capable of dual-interface acceptance, field-upgradeable to handle both offline CBDC and online card authorizations. Vendors that streamline firmware downloads over-the-air gain favor because they minimize cashier downtime.

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

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. Bluebird Inc.
20. BBPOS Limited
21. New POS Technology Limited

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 surpassing 65 % of in-store card spend
  • 4.2.2 Mandatory girocard/SEPA instant-payment routing rules cut acquirer margins
  • 4.2.3 Rapid mPOS adoption among SMEs via fintech bundles (SumUp, Zettle)
  • 4.2.4 Retail cloud-POS refresh cycle driven by software end-of-life (5-6 yrs)
  • 4.2.5 AI-enabled loss-prevention and computer-vision self-checkout pilots
  • 4.2.6 Digital-euro readiness clauses in German retailer RFPs (2026-)
• 4.3 Market Restraints
  • 4.3.1 Rising scheme fees on international debit (3-4X girocard)
  • 4.3.2 Cyber-resilience costs for PCI DSS v4.0 and NIS2 compliance
  • 4.3.3 Shrinking high-street footprint reduces absolute terminal growth
  • 4.3.4 Fragmented software stack slows cloud-migration ROI for independents
• 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
• 4.9 Assessment of Macroeconomic Factors on the Market

5 MARKET SIZE AND GROWTH FORECASTS (USD)

• 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 / 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 for key companies, Products and Services, and 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 Bluebird Inc.
  • 6.4.20 BBPOS Limited
  • 6.4.21 New POS Technology Limited

7 MARKET OPPORTUNITIES AND FUTURE OUTLOOK

• 7.1 White-space and Unmet-Need Assessment