Irish payment fee guide
Best payment provider for small business Ireland
There is no single best payment provider for every small business. The right choice depends on whether you sell in person or online, your average sale, your card mix and the features you need beyond the headline rate.
Short answer
For the sample scenario on this page, Revolut Business has the lowest estimate at €230.50/month. The gap to SumUp is about €276 per year.
Treat that as a starting point, not a final recommendation. The result can move when average sale value, international cards, in-person share, VAT treatment or hardware costs change.
Fee estimate for this scenario
Public standard rates only. Open each row to inspect the fee components.
€230.50/mo
1.54% effective rate
Baseline
vs lowest
Annual €2,766.00
| Provider | Monthly | Annual | Rate | vs lowest | |
|---|---|---|---|---|---|
| €230.50 | €2,766.00 | 1.54% | Baseline | Visit provider | |
| €253.50 | €3,042.00 | 1.69% | +€23.00/mo+€276/yr | Visit provider | |
| €291.93 | €3,503.10 | 1.95% | +€61.43/mo+€737/yr | Visit provider | |
| €311.88 | €3,742.50 | 2.08% | +€81.38/mo+€977/yr | Visit provider | |
| €321.25 | €3,855.00 | 2.14% | +€90.75/mo+€1,089/yr | Visit provider | |
| €327.13 | €3,925.50 | 2.18% | +€96.63/mo+€1,160/yr | Visit provider |
Providers worth checking
The right list depends on price, how you take payments and whether the provider supports the channels you actually use.
StripeDeveloper-friendly payments with strong API tooling, subscriptions and marketplace support.Details
Revolut BusinessAppeals to businesses already using Revolut banking, with competitive EEA card rates.Details
SquareSimple point-of-sale focus with predictable blended in-person pricing.Details
SumUpSimple card readers and pay-as-you-go pricing for market stalls, mobile sellers and micro-businesses.Details
PayPalWidely recognised by customers, useful as a familiar checkout option.Details
MollieEuropean e-commerce focus with straightforward per-transaction pricing.Details
DojoCard-machine provider focused on fast in-person payments and next-day payouts.Details
myPOSCard machines, online payments and merchant account services with published pay-per-transaction pricing.DetailsStart with how you sell
Channel is usually the first filter. In-person sellers, online stores and mixed businesses each have different strongest options.
Checks to make
- In-person: simple readers (SumUp), POS toolkits (Square) or card machines (Dojo, myPOS).
- Online: developer-first platforms (Stripe), European checkout (Mollie) or familiar buttons (PayPal).
- Mixed: providers that price both channels well, or a primary plus a secondary option.
Then weigh cost against fit
Use the fee estimate as one input, then judge the operational fit for how your business actually runs.
Checks to make
- Low average sale values make fixed per-transaction fees more painful.
- Card mix matters: some providers price commercial and international cards much higher.
- Settlement speed, hardware, integrations and support can outweigh a small fee gap.
Source-backed estimate
Praghas can estimate 6 of 10public-rate providers for this scenario. The calculator shows source links, review dates and notes for unsupported providers.