德國POS終端市場：市場佔有率分析、行業趨勢和統計數據以及成長預測（2026-2031年）

根據 Mordor Intelligence 預測，德國 POS 終端市場規模將從 2025 年的 112.1 億美元和 2026 年的 120.8 億美元成長到 2031 年的 165.7 億美元，2026 年至 2031 年的年複合成長率（CAGR）。

本報告按支付方式（接觸式和非接觸式）、POS機類型（固定POS系統、行動和可攜式POS系統）、終端用戶行業（零售、酒店、醫療保健、交通運輸和物流等）以及地區進行細分。市場預測以美元計價。

德國POS終端市場趨勢與洞察

非接觸式支付目前佔店內卡片付款。

截至2024年12月，非接觸式交易佔Girocard支付的87%，高於兩年前的74%。這意味著商家面臨著兩種選擇：要麼逐步淘汰僅支援接觸式支付的硬體，要麼接受交易過程中可能出現的摩擦風險，因為非接觸式支付正逐漸成為主流。基於NFC的非接觸式支付比晶片加密碼的支付方式快約30%，從而提高了處理能力，並改善了高峰時段的排隊管理。根據Girocard的藍圖，升級到令牌化支付需要支援安全元件，而大多數在2022年之前生產的設備都缺乏這種元件，這造成了技術上的斷崖式淘汰。因此，雜貨店、快餐店和公共交通零售商正在加快資本投資，以購買經德國聯邦金融監管局（BaFin）認證的替代終端。雖然城市商家的適應速度最快，但隨著行動錢包使用率從2022年佔銀行卡交易總量的5%激增至2024年的16%，區域性企業也開始效法。

透過金融科技組合方案，中小企業快速採用行動POS機

金融科技新興企業將卡片付款功能與發票、核算和即時現金預支服務捆綁在一起，有效地將微型企業的硬體成本降至零。光是 SumUp 一家公司預計到 2024 年的交易量就將超過 10 億筆，這表明其應用範圍正從早期採用者轉向中小企業的大眾市場。基於支付流資料擔保的營運資金預支消除了先前阻礙小規模零售商採用電子支付的抵押門檻。 KassenSichV 為行動裝置提供基於雲端的技術安全系統，減輕了行動經銷商和餐車經營者的重新認證負擔。監管的柔軟性加上金融服務的捆綁，正在推動攜帶式設備的使用率顯著提高，並加速市場佔有率從固定終端轉移到行動 POS 機的。

PCI DSS v4.0 和 NIS2 合規性的網路彈性成本

2025年3月強制過渡到PCI DSS v4.0引入了53項新的控制措施，包括持續漏洞掃描和東西向網路流量加密。這導致大型支付服務提供者可能面臨超過50萬美元的一次性補救成本。四個月前被納入德國法律的NIS2進一步加重了負擔，要求24小時事件報告、董事會層級課責，並可能處以相當於全球收入2%的罰款。中型收購方面臨著固定成本的壓力，這削弱了它們的定價柔軟性，迫使它們推遲終端升級預算；而小規模的獨立銷售機構則被迫進行整合。

細分市場分析

預計到2025年，非接觸式硬體將佔據德國POS終端市場65.29%的佔有率，並將在2031年之前以6.98%的複合年成長率成長，超過接觸式系統。顧客停留時間的縮短以及Girocard的監管要求正顯著地推動商家轉向NFC技術。由於內建加密模組無法支援憑證式的身份驗證，德國接觸式POS終端市場成長停滯。

資本配置取決於交易密度。連鎖超市和都市區快餐店正大量訂購搭載安卓系統、支援近場通訊（NFC）功能的收銀終端，而快閃店則部署了連接平板電腦的藍牙讀卡器。韌體級令牌化和經認證的遠端密鑰注入技術可保護非接觸式終端免受合規性過時的影響，並在回購時保持更高的殘值。因此，二手租賃公司正在將其資產組合轉向這些升級後的資產。

其他好處：

• 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 市場狀況

• 市場概覽
• 市場促進因素
  • 非接觸式支付的普及率，在商店刷卡支付中佔比超過 65%。
  • 透過金融科技組合方案，中小企業快速採用行動POS機
  • 軟體支援的終止正在推動零售雲端POS系統的更新周期。
  • 簽帳金融卡交易量增加和Girocard代幣化
  • 零售商招標書中的數位歐元合規條款
  • Android 智慧型 POS 應用程式商店為附加價值服務鋪平了道路。
• 市場限制因素
  • 國際簽帳金融卡手續費不斷上漲
  • PCI DSS v4.0 和 NIS2 合規性的網路彈性成本
  • 中國對安卓ODM供應鏈的依賴
  • 實體店數量的減少正在減緩終端消費的絕對成長速度。
• 產業價值鏈分析
• 監理情勢
• 技術展望
• 宏觀經濟因素的影響
• 波特五力分析

第5章 市場規模與成長預測

• 按支付方式的接受狀態
  • 聯繫類型
  • 非接觸式
• 按POS機類型分類
  • 固定式POS系統
  • 行動和可攜式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
  • Shift4 Payments
  • Nexi Group
  • AURES Technologies SA
  • GK Software SE

第7章 市場機會與未來展望

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