Payment gateway fee calculator
Estimate monthly card processing costs across providers with public standard pricing. Adjust your volume, average sale, channel mix and card mix.
Your business
Enter rough figures, then adjust card mix or providers if needed.
Card mix & providersAdjust card regions or compare a smaller provider set.Optional
Payment channel mix
Split your card volume between Online and In-Person sales.
Card region mix
Percentages should add up to 100%.
VAT on provider fees
Square adds Irish VAT to processing fees. If your business is VAT registered, Praghas treats that VAT as recoverable.
Providers to compare
Selected providers appear in the fee estimate table.
AIB Merchant ServicesQuote required
BOI Payment AcceptanceQuote required
ElavonQuote requiredEstimated processing fees
Card processing fees only — hardware, refunds, chargebacks and currency conversion are not included.
Comparing 10 providers at €10,000.00/month and €50.00 average sale — about 200 transactions/month.
Lowest estimate
SumUp
€169.00/mo
€2,028/yr
| Provider | Monthly | Annual | Rate | vs lowest | |
|---|---|---|---|---|---|
| €169.00 | €2,028.00 | 1.69% | Baseline | Visit provider | |
| €176.00 | €2,112.00 | 1.76% | +€7.00/mo+€84/yr | Visit provider | |
| €202.00 | €2,424.00 | 2.02% | +€33.00/mo+€396/yr | Visit provider | |
| €209.35 | €2,512.20 | 2.09% | +€40.35/mo+€484/yr | Visit provider | |
| €212.50 | €2,550.00 | 2.13% | +€43.50/mo+€522/yr | Visit provider | |
| €217.00 | €2,604.00 | 2.17% | +€48.00/mo+€576/yr | Visit provider | |
| €217.95 | €2,615.40 | 2.18% | +€48.95/mo+€587/yr | Visit provider | |
| €240.00 | €2,880.00 | 2.40% | +€71.00/mo+€852/yr | Visit provider | |
| €257.25 | €3,087.00 | 2.57% | +€88.25/mo+€1,059/yr | Visit provider | |
| €274.00 | €3,288.00 | 2.74% | +€105.00/mo+€1,260/yr | Visit provider |
SumUp has the lowest estimate - about €84/year less than Revolut Business, the next option. Across all 10 providers the gap reaches €1,260/year.
That holds at your current average sale. If it rises above about €61, Revolut Business becomes the cheaper choice.
Lowest fee is not always best. The right provider also depends on integrations, settlement times, support, chargebacks, reliability and developer experience — not just headline fees.
How the calculation works
The estimate is built from your inputs, public provider rates and any monthly or minimum charges we can identify.
- 01
Transaction count
Monthly volume divided by average transaction value.
- 02
Channel and card split
Your volume is split across online/in-person payments and card regions.
- 03
Provider fees
Each split is priced with that provider's percentage and fixed transaction fee.
- 04
Monthly total
Praghas adds monthly fees, minimum charges and VAT treatment where they apply.
- 05
Effective rate
The monthly total is divided by your payment volume so providers can be compared fairly.
- 06
Source check
Every estimated provider links back to the official pricing page used.
Lowest fee is not always best
This calculator compares estimated public processing fees only. The best provider for your business also depends on integrations, settlement times, support, chargebacks, reliability, hardware, developer experience and your specific needs.
Frequently asked questions
- Are these fees exact?
- No. They are estimates based on each provider's public standard pricing. Negotiated rates, VAT treatment, chargebacks, refunds and currency conversion can all change your real cost. Always confirm with the provider.
- Why does average transaction value matter?
- Most providers charge a percentage plus a fixed fee per transaction (for example 1.5% + €0.25). On low-value sales that fixed fee becomes a large share of the cost, so a low average sale value pushes your effective rate up.
- Should I just pick the lowest-fee provider?
- Not necessarily. Fees are one factor. Integrations, settlement times, support, reliability, hardware and developer experience all matter. Praghas.ie shows the cost difference so you can weigh it against everything else.
- How often is the pricing updated?
- Provider pricing is reviewed roughly monthly. The assumptions section links to official pricing pages and marks when each source was last reviewed.
Assumptions & sources
Praghas estimates fees from public standard pricing. Expand a provider to see the source, review status and modelling notes used in the calculator.
Stripe
Online and In-Person
Stripe
Online and In-Person
Modelled assumptions
- Stripe standard payments pricing has no setup fees or monthly fees.
- Public standard pricing only — custom pricing may be available for higher-volume merchants.
- Currency conversion, chargeback and additional product fees are not included.
- Online commercial-card rates use Stripe's premium EEA card line as a proxy.
- In-person rates use Stripe Terminal pricing (1.4% EEA, 2.9% UK and non-EEA); the in-person commercial-card line is an estimate.
Revolut Business
Online and In-Person
Revolut Business
Online and In-Person
Modelled assumptions
- Verified against Revolut's Ireland payment acceptance pricing: domestic consumer Visa/Mastercard at 1% + €0.20 online and 0.8% + €0.02 in-person.
- Payment acceptance monthly fee is listed as included with Revolut Business plans; Praghas models payment-acceptance fees only.
- The domestic / EEA bucket uses Revolut's Irish domestic consumer-card line; confirm treatment for non-Irish EEA cards directly.
- Commercial and all international cards (including UK) are charged at 2.8% online / 2.6% in-person.
- American Express domestic consumer cards have a separate 1.7% line which Praghas does not model separately.
Square
Online and In-Person
Square
Online and In-Person
Modelled assumptions
- Square Free has no monthly subscription cost for standard payment processing.
- Standard pricing only — Square may offer custom rates at higher volumes.
- Online estimates use Square's Online Checkout rate (1.4% + €0.25). Manual card entry (2%) and Invoices / Virtual Terminal (2.5%) are priced higher and are not modelled.
- Square publishes region-based pricing rather than a separate commercial-card line; the commercial bucket uses the EU/EEA rate.
- Square adds 23% VAT to its processing fees; Praghas includes this when you indicate your business is not VAT registered.
- Hardware costs and optional software subscription costs are not included.
PayPal
Online only
PayPal
Online only
Modelled assumptions
- PayPal has several fee categories; Praghas uses PayPal Online Card Payment Services for online card payments.
- The official merchant-fee table publishes transaction rates and does not add a monthly platform fee to this model.
- UK cards add PayPal's published 1.29% international fee; non-EEA cards add PayPal's published 1.99% international fee.
- Currency conversion, PayPal wallet transactions and in-person PayPal/Zettle pricing are not modelled.
Mollie
Online only
Mollie
Online only
Modelled assumptions
- Mollie standard pricing has no minimum costs, no lock-in contracts and pay-per-successful-transaction pricing.
- Card pricing assumed — Mollie also offers many local payment methods.
- Online card payments only — Mollie's in-person terminal pricing is plan-dependent and not modelled.
- UK cards are treated as non-EEA; commercial and non-EEA buckets use Mollie's published card lines.
SumUp
Online and In-Person
SumUp
Online and In-Person
Modelled assumptions
- Pay-as-you-go fixed monthly costs are €0; SumUp's optional monthly plan is not included in the default estimate.
- Pay-as-you-go pricing assumed — paid plans and tailored pricing may lower fees.
- Hardware costs are not included.
- Public pricing states the same standard fee for Online and In-Person payments.
Dojo
Online and In-Person
Dojo
Online and In-Person
Modelled assumptions
- Praghas models Dojo's public below-€150k annual card turnover pricing.
- Dojo shows a headline 0.99% + €0 rate and detailed card lines; Praghas uses the detailed card lines because they vary by card type.
- Monthly terminal fee is €15 and the minimum monthly payment charge is €24.95.
- In-person consumer cards use 1.4% + €0.05; business cards use 1.99% + €0.05.
- Card-not-present consumer cards use 1.9% + €0.05; card-not-present business cards use 2.49% + €0.05.
- Refund fees, custom above-€150k pricing and contract terms are not included.
Shopify Payments
Online only
Shopify Payments
Online only
Modelled assumptions
- Praghas models Shopify's Basic plan using the yearly-billed €24/month plan price and published card rate from 2% + €0.25 online, excluding VAT.
- Shopify Payments rates depend on the Shopify subscription plan; Grow, Advanced and Plus are not modelled here.
- Shopify Payments is online-only in Praghas; POS, third-party transaction fees, apps and non-card payment methods are not included.
- The published card rate is described as 'from', so non-standard card types may differ.
myPOS
Online and In-Person
myPOS
Online and In-Person
Modelled assumptions
- Official pricing lists €0 fixed monthly costs for businesses under €10,000 monthly card turnover.
- For card-present transactions, domestic/EEA consumer cards are 1.59% + €0.05; all other consumer and commercial cards use the higher published line.
- For card-not-present transactions, domestic/EEA consumer cards are 1.30% + €0.20; UK cards are treated as non-EEA.
- Hardware, payout/account transfer fees and custom offers over €10,000 monthly card turnover are not included.
Braintree
Online only
Braintree
Online only
Modelled assumptions
- Official Ireland Braintree standard card and third-party digital wallet rate is 1.9% + €0.25.
- Customer cards issued outside the EU/EEA, other than the UK, add 1%; Praghas maps this to the non-EEA bucket.
- Braintree is online-only in Praghas and is subject to eligibility, application and approval.
- Chargebacks, PayPal-wallet transactions and negotiated interchange-plus pricing are not included.