Irish payment fee guide
Lowest-fee card payment provider Ireland
There is no single lowest-fee provider for every Irish business. Fixed fees make small transactions expensive, while percentage rates matter more as average sale value rises.
Short answer
For the sample scenario on this page, Revolut Business has the lowest estimate at €296.86/month. The gap to SumUp is about €494 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.
€296.86/mo
1.48% effective rate
Baseline
vs lowest
Annual €3,562.29
| Provider | Monthly | Annual | Rate | vs lowest | |
|---|---|---|---|---|---|
| €296.86 | €3,562.29 | 1.48% | Baseline | Visit provider | |
| €338.00 | €4,056.00 | 1.69% | +€41.14/mo+€494/yr | Visit provider | |
| €379.47 | €4,553.66 | 1.90% | +€82.61/mo+€991/yr | Visit provider | |
| €403.93 | €4,847.14 | 2.02% | +€107.07/mo+€1,285/yr | Visit provider | |
| €416.43 | €4,997.14 | 2.08% | +€119.57/mo+€1,435/yr | Visit provider | |
| €419.50 | €5,034.00 | 2.10% | +€122.64/mo+€1,472/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
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.Details
MollieEuropean e-commerce focus with straightforward per-transaction pricing.Details
BraintreePayPal's full-stack payment platform for online cards, wallets and PayPal acceptance.DetailsWhy the lowest-fee provider changes
The winner can change when you alter the average sale, card region mix or the split between Online and In-Person payments.
Checks to make
- Low average sale values make fixed per-transaction fees more painful.
- International and commercial card shares can move the result quickly.
- Monthly fees and minimum charges matter more at low volume.
Use the fee gap, not just the rank
If two providers are only a few euro apart, the better choice may be the one that works best for how you sell.
Checks to make
- Check the annual difference against the operational benefit.
- Keep source links and last-reviewed dates visible when comparing.
- Treat negotiated quotes separately from public flat-rate pricing.
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.