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myPOSvsSumUp·Ireland

myPOS vs SumUp fees in Ireland

A side-by-side look at myPOS and SumUp public card-processing rates for Irish businesses, with a sample €10,000/month scenario.

Saving at €10,000/mo
€33/mo

SumUp is lower in this example · ≈ €396 a year

myPOS
€202/mo

2.02% effective rate

SumUp
€169/mo

1.69% effective rate

Run your own numbersBrowse all 12 comparisons

myPOS and SumUp are both popular with Irish businesses that want to take card payments without a traditional merchant-services contract, and both have no fixed monthly cost on their standard pricing. The difference is in how they price cards and what comes with the account.

myPOS publishes a lower domestic card rate plus a small fixed fee and bundles a merchant account with instant settlement, while SumUp keeps things simple with one flat rate and no fixed per-transaction fee.

Quick answer

Use this as a starting point before checking the fee table.

myPOS can be cheaper on domestic cards and adds a merchant account with instant settlement. SumUp is simpler, with one flat rate and no fixed fee, which can win on small sales and mixed card types.

Choose myPOS if

most of your cards are domestic EEA consumer cards and you want a built-in merchant account with instant access to funds.

Choose SumUp if

you want the simplest possible flat rate with no fixed per-transaction fee and predictable cost across all card types.

What this guide compares

Use this to rule providers in or out before checking the details that matter to your business.

Included
Public card-processing fees, supported features and common Irish small-business use cases.
Not included
Negotiated rates, hardware purchases, chargebacks, refunds, currency conversion, optional software plans and provider-specific add-ons unless explicitly stated.

Main fee differences

These are the assumptions most likely to move the estimate.

What changes the fee gap

  • myPOS prices domestic EEA consumer cards lower than SumUp but adds a small fixed fee per transaction.
  • SumUp charges one flat rate across all card types with no fixed fee, so card mix never changes its rate.
  • myPOS charges more for UK, international and commercial cards, so a mixed card base narrows or reverses its advantage.

Watch out for

  • myPOS public pricing here is for businesses under €10,000 monthly card turnover; custom offers may apply above that.
  • Hardware and any payout or account-transfer fees are not included in either estimate.
  • myPOS's fixed per-transaction fee makes low-value sales relatively more expensive than its headline rate suggests.

Feature comparison

Capability coverage from the Praghas provider directory.

Online checkout
myPOSYes
SumUpYes
Payment links
myPOSYes
SumUpYes
In-person terminals
myPOSYes
SumUpYes
POS / commerce tools
myPOSPartial
SumUpPartial
Subscriptions
myPOSNo
SumUpPartial
Developer APIs
myPOSUnclear
SumUpUnclear
Business account
myPOSYes
SumUpPartial

Example fee comparison

Based on €10,000.00/month, €50.00 average sale, default online payment mix. Run your own numbers for an accurate comparison.

SumUp
Lowest estimate

€169.00/mo

1.69% effective rate

Baseline

vs lowest

Annual €2,028.00

Visit provider
myPOS

€202.00/mo

2.02% effective rate

+€33.00/mo

vs lowest

Annual €2,424.00

Visit provider

The table sorts the two providers by estimated monthly fee for this sample scenario only. It is not a quality ranking or recommendation.

When each is a fit

Use these notes as decision prompts before running your own numbers.

Consider myPOS if

  • Most of your customers use domestic EEA consumer cards
  • You want a merchant account with instant settlement
  • A lower headline card rate matters at steady volume

Consider SumUp if

  • You want one flat rate with no fixed per-transaction fee
  • Your card mix includes UK, international or commercial cards
  • Simplicity and predictable pricing matter most

The verdict

If your customers mostly pay with domestic consumer cards and you value a merchant account with instant settlement, myPOS can be the cheaper, more featured option. If your card mix is varied or your sales are small, SumUp's flat, no-fixed-fee rate is simpler and can cost less. Run your real card mix and average sale to compare.

Read the provider notes

Each provider page lists the rates, assumptions and exclusions used by Praghas.

myPOSUses myPOS public pricing for businesses under €10,000 monthly card turnover. Custom rates, hardware and account transfer fees are separate.SumUpPraghas assumes SumUp's public pay-as-you-go pricing. Paid plans, subscriptions and hardware are not included.

Frequently asked questions

It depends on your card mix and average sale. myPOS is often cheaper on domestic EEA consumer cards, while SumUp's flat rate with no fixed fee can win on small sales or when you take more UK, international or commercial cards. The calculator shows the difference for your inputs.

Yes. Both are modelled on standard pricing with no fixed monthly cost - myPOS for businesses under €10,000 monthly card turnover, and SumUp on pay-as-you-go. Paid plans and hardware are separate.

Other comparisons

Related fee guides that share a provider with this one.

Square vs SumUpCard-reader and POS options compared for Irish businesses taking payments in person.Revolut Business vs SumUpBusiness-account-linked payment acceptance compared with simple pay-as-you-go card payments.Dojo vs SumUpCard machines compared: Dojo's lower rate plus monthly fees against SumUp's flat pay-as-you-go pricing.SumUp vs StripeFlat-rate card readers compared with online-first payment infrastructure and developer tools.

Sources

Figures are estimates based on public standard pricing and may be out of date. Confirm current rates with each provider before deciding.