Irish payment fee guide
Card machine fees Ireland
Card machine fees are more than a single percentage. The real monthly cost combines the card rate, any monthly terminal or service fee, minimum monthly charges and the hardware itself.
Short answer
For the sample scenario on this page, Revolut Business has the lowest estimate at €221.20/month. The gap to SumUp is about €1,402 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.
€221.20/mo
1.11% effective rate
Baseline
vs lowest
Annual €2,654.40
| Provider | Monthly | Annual | Rate | vs lowest | |
|---|---|---|---|---|---|
| €221.20 | €2,654.40 | 1.11% | Baseline | Visit provider | |
| €338.00 | €4,056.00 | 1.69% | +€116.80/mo+€1,402/yr | Visit provider | |
| €345.90 | €4,150.80 | 1.73% | +€124.70/mo+€1,496/yr | Visit provider | |
| €371.50 | €4,458.00 | 1.86% | +€150.30/mo+€1,804/yr | Visit provider | |
| €387.40 | €4,648.80 | 1.94% | +€166.20/mo+€1,994/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.
SumUpSimple card readers and pay-as-you-go pricing for market stalls, mobile sellers and micro-businesses.Details
SquareSimple point-of-sale focus with predictable blended in-person pricing.Details
myPOSCard machines, online payments and merchant account services with published pay-per-transaction pricing.Details
DojoCard-machine provider focused on fast in-person payments and next-day payouts.Details
Revolut BusinessAppeals to businesses already using Revolut banking, with competitive EEA card rates.DetailsWhat makes up a card machine fee
Compare the full cost, not just the advertised rate. Monthly and minimum charges can outweigh a lower percentage at modest volume.
Checks to make
- Percentage rate per transaction, often different for in-person and online.
- Monthly terminal or service fees, where the provider charges one.
- Minimum monthly processing charges that apply even in quiet months.
Match the machine to how you trade
Steady, higher in-person volume can justify a lower rate with monthly fees; low or seasonal volume usually favours pay-as-you-go.
Checks to make
- Higher steady volume favours lower-rate providers even with monthly fees.
- Low or seasonal volume favours zero-monthly-cost readers.
- Faster payouts and merchant-account features can matter as much as the rate.
Source-backed estimate
Praghas can estimate 5 of 10public-rate providers for this scenario. The calculator shows source links, review dates and notes for unsupported providers.