Praghas.ie
Revolut BusinessvsSquare·Ireland

Revolut Business vs Square fees in Ireland

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

Saving at €10,000/mo
€37/mo

Revolut Business is lower in this example · ≈ €438 a year

Revolut Business
€176/mo

1.76% effective rate

Square
€213/mo

2.13% effective rate

Run your own numbersBrowse all 12 comparisons

Revolut Business and Square both let Irish businesses take card payments in person and online, but they come at it differently. Revolut Business ties payment acceptance to a wider business account with very low domestic card rates, while Square is a point-of-sale and commerce toolkit with predictable blended pricing.

The comparison is sensitive to card mix. Revolut's headline rates are low for domestic consumer cards but rise sharply for commercial and international cards, whereas Square publishes simpler region-based pricing and adds VAT to its fees.

Quick answer

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

Revolut Business is strong when most cards are domestic consumer cards and you want payments inside a business account. Square is the better fit when you want point-of-sale tools and predictable pricing across a broader card mix.

Choose Revolut Business if

most of your customers pay with domestic EEA consumer cards and you want payment acceptance tied to a Revolut Business account.

Choose Square if

you want point-of-sale software, card readers and predictable blended pricing, especially across a varied card mix.

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

  • Revolut's domestic consumer-card rates are very low, but commercial and international cards are charged at a much higher rate.
  • Square adds VAT to its processing rates; Praghas includes this when your business is not VAT registered.
  • Square's in-person pricing is a single blended rate, while Revolut separates domestic from commercial and international cards.

Watch out for

  • Revolut's domestic/EEA bucket is mapped to its Irish domestic consumer-card line; confirm non-Irish EEA card treatment directly.
  • Square hardware and optional software subscriptions are not included in the estimate.
  • A higher share of commercial or international cards can move the comparison towards Square.

Feature comparison

Capability coverage from the Praghas provider directory.

Online checkout
Revolut BusinessYes
SquareYes
Payment links
Revolut BusinessYes
SquareYes
In-person terminals
Revolut BusinessYes
SquareYes
POS / commerce tools
Revolut BusinessPartial
SquareYes
Subscriptions
Revolut BusinessUnclear
SquarePartial
Developer APIs
Revolut BusinessPartial
SquarePartial
Business account
Revolut BusinessYes
SquareNo

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.

Revolut Business
Lowest estimate

€176.00/mo

1.76% effective rate

Baseline

vs lowest

Annual €2,112.00

Visit provider
Square

€212.50/mo

2.13% effective rate

+€36.50/mo

vs lowest

Annual €2,550.00

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 Revolut Business if

  • Most transactions are domestic consumer cards
  • You already use or want a Revolut Business account
  • You want payments and banking in one dashboard

Consider Square if

  • You want point-of-sale tools and card readers
  • Your card mix includes commercial or international cards
  • You prefer predictable blended in-person pricing

The verdict

Card mix is the deciding factor. Revolut Business can be markedly cheaper when domestic consumer cards dominate and you want banking and payments together; Square is the safer, more predictable choice across a mixed card base and when POS tools matter. Run your real card mix to see which way it falls.

Read the provider notes

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

Revolut BusinessPraghas assumes the standard free-plan merchant account rates. Paid plans and tailored rates can change the result.SquareUses Square's public standard Irish pricing. Hardware and optional software costs are separate.

Frequently asked questions

It can be, on domestic consumer cards, where Revolut's rates are very low. But Revolut charges much more for commercial and international cards, so a mixed card base can make Square cheaper. The calculator shows the difference for your card mix.

Square publishes processing rates plus VAT. Praghas includes that VAT effect for businesses that are not VAT registered, because it raises their real cost. VAT-registered businesses can usually reclaim it.

Other comparisons

Related fee guides that share a provider with this one.

Stripe vs Revolut BusinessOnline payment platforms compared on public card pricing, integrations and business fit.Stripe vs SquareOnline-first payment infrastructure compared with simple point-of-sale pricing.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.Square vs PayPalIn-person and online card costs compared with a familiar checkout button for online sales.

Sources

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