Ecommerce & POS Payment Processors in Ireland

by | Jan 31, 2025 | Payment Processors | 0 comments

Here’s a list of some of the most common payment processors used on websites in Ireland:

  1. Stripe – Popular for its developer-friendly API and multi-currency support.
  2. PayPal – Trusted globally, offering ease of use and wide acceptance.
  3. Realex Payments (Global Payments) – A Dublin-founded gateway with strong local and international capabilities.
  4. Adyen – Known for multi-channel payment acceptance and global reach.
  5. Square – Ideal for both online and in-person payments, with no monthly fees.
  6. Sage Pay (Opayo) – Offers strong security and fraud prevention tools.
  7. Worldpay – Supports a variety of payment methods and recurring billing.
  8. AIB Merchant Services – Backed by Allied Irish Banks, tailored for local businesses.
  9. Elavon – Specializes in industries like retail and hospitality.
  10. Braintree – Owned by PayPal, focuses on mobile and online payments.
  11. Revolut – Banking app that offers a range of financial services, including currency exchange, investment, and payment solutions, all from one platform.
  12. Paymentsense – Paymentsense is a payment processing company that provides businesses with secure and reliable solutions for accepting card payments.

Other notable options include 2Checkout, Authorize.net, BlueSnap, and SEPA Direct Debit, which cater to specific needs like international payments or local preferences.

PayPal

  • Card Charges:
    • Domestic transactions: 3.4% + €0.35 per transaction.
    • Online card payments (Visa/MasterCard): 1.2% + €0.35.
    • International transactions: Additional 1.29% (EEA) or 1.99% (other regions).
    • Currency conversion: 3% above the base exchange rate.
  • Ease of Integration:
    • Simple setup for non-technical users.
    • Offers QR code payments and invoicing tools.
    • Integrates with major eCommerce platforms.
  • Other Features:
    • Free account setup and maintenance.
    • Supports multiple currencies.
    • Offers a Business Debit Mastercard for daily expenses.
    • High fees for international and currency conversion transactions

Find out more about Paypal

Stripe

  • Card Charges:
    • European cards: 1.4% + €0.25 per transaction.
    • Non-European cards: 2.9% + €0.25 per transaction.
    • Currency conversion: Additional 2% fee for transactions involving currency conversion.
    • Manually entered cards: Additional 0.5%.
  • Ease of Integration:
    • Developer-friendly with robust APIs.
    • Supports 135+ currencies and 20+ payment methods.
    • Prebuilt solutions like Stripe Checkout and Payment Links for non-technical users.
  • Other Features:
    • No setup or monthly fees.
    • Advanced fraud protection (Radar) included.
    • Instant payouts available for 1.5% of the payout volume.
    • Custom pricing available for high-volume businesses.
    • Tools like Stripe Billing (recurring payments) and Stripe Tax (automated tax calculation) are available for additional fees

Find out more about Stripe

 

Realex Payments

  • Card Charges:
    • €29 per month for the first 350 transactions.
    • €0.12 per transaction after the first 350 transactions.
    • Keyed-in rate: 1.75% + £0.09 (approx. €0.10).
  • Ease of Integration:
    • Requires technical expertise or a developer for integration.
    • Offers features like multi-currency support, recurring billing, and shopping cart integration.
  • Other Features:
    • No setup fees or early termination fees.
    • Provides tools for online payments, virtual terminals, and POS equipment.
    • Tailored for industries like eCommerce, SaaS, and small businesses

Worldpay

  • Card Charges:
    • Charges vary based on card type and transaction method.
    • Example: For a £10 transaction with a Mastercard debit card, the fee includes a 4.5p authorisation fee.
    • Monthly fees:
      • Point-of-sale terminal: £20 per terminal.
      • PCI DSS compliance: £5.
      • Minimum monthly service charge: £15.
    • Chargeback fee: £20 per dispute.
  • Ease of Integration:
    • Offers a gateway for online and in-person payments.
    • Supports Visa, Mastercard, and American Express.
  • Other Features:
    • Settlement time: 24 hours.
    • 24/7 customer support

AIB Merchant Services

  • Card Charges:
    • Transaction fees: Typically 1%-3% + fixed fee + €0.02 authorisation fee.
    • Monthly fees:
      • Merchant account fee: €4.
      • PCI DSS compliance: €15 (€25 for non-compliance).
      • Minimum monthly charge: €30.
    • Chargeback fee: €20 per dispute.
  • Ease of Integration:
    • Offers Authipay for online payments and virtual terminals.
    • Supports all major credit and debit cards, as well as PayPal.
  • Other Features:
    • Requires a long-term contract (1-4 years).
    • Offers tailored solutions for SMEs and large businesses.
    • Provides tools like Clover POS systems

Elavon

  • Card Charges:
    • Transaction fee: 1.75%.
    • One-off device cost: €19.
    • No monthly fees for the basic plan.
  • Ease of Integration:
    • Offers a mobile POS app and pocket-sized card reader.
    • Supports cash, digital, and card payments.
  • Other Features:
    • Next-day funding.
    • Free talech Mobile POS app.
    • 24/7 technical support.
    • Scalable solution for small businesses

Opayo (Sage Pay)

  • Card Charges:
    • Pricing starts at £49.00 per month (approx. €57.00).
    • Transaction fees vary based on the plan and card type but are not explicitly listed.
  • Ease of Integration:
    • Offers a secure online payment gateway with fraud screening capabilities.
    • Supports multiple payment types, international currencies, and multi-language options.
    • Integrates with various shopping carts and ticketing solutions.
  • Other Features:
    • PCI compliant with a focus on payment security and fraud reduction.
    • 24/7 customer support rated highly by users.
    • Reliable gateway with 99.99% uptime.
    • Includes features like “Pay by Link” for easy online sales

Braintree

  • Card Charges:
    • Standard rate: 1.9% + €0.25 per transaction for cards and third-party digital wallets.
    • Additional 1% fee for transactions from cards issued outside the EU/EEA.
    • No monthly fees or minimum transaction processing amount.
    • Chargeback fee: $15 per dispute.
  • Ease of Integration:
    • Offers both Drop-in UI (quick setup) and Custom UI for tailored checkout experiences.
    • Supports multiple payment methods, including PayPal, Apple Pay, Google Pay, and major credit/debit cards.
    • Compatible with leading eCommerce platforms like Magento and BigCommerce.
  • Other Features:
    • PCI compliance included at no extra cost.
    • Advanced fraud protection tools available.
    • Multi-currency support for global transactions.
    • Settlement typically within 2-3 business days

Find out more about Braintree

Adyen

  • Card Charges:
    • Processing fee: €0.11 per transaction.
    • Payment method fee: Varies by card type, e.g., 3.95% for American Express.
    • Interchange++ pricing available for transparency, with fees based on card type and transaction specifics.
  • Ease of Integration:
    • Single integration supports multiple payment methods, including Visa, Mastercard, PayPal, and digital wallets like Apple Pay and Google Pay.
    • Supports multi-currency transactions and flexible payout options.
  • Other Features:
    • No setup, monthly, or closure fees.
    • Advanced fraud protection included.
    • Transparent pricing with detailed breakdowns

Find out more about Adyen

 

Square

  • Card Charges:
    • In-person payments: 1.75% + VAT per transaction.
    • Online payments:
      • Free/Plus plans: 1.4% + €0.25 + VAT for EU/EEA cards; 2.9% + €0.25 + VAT for UK/non-EEA cards.
      • Premium plan: 1.4% + €0.15 + VAT for EU/EEA cards; 2.9% + €0.15 + VAT for UK/non-EEA cards (€69/month + VAT).
    • Remote payments: 2% + VAT for manually keyed-in transactions; 2.5% + VAT for Virtual Terminal or Invoices.
  • Ease of Integration:
    • Quick setup with hardware and software solutions for in-person and online payments.
    • Supports fraud prevention, dispute management, and compliance at no extra cost.
  • Other Features:
    • No startup, subscription, or PCI compliance fees.
    • Custom pricing available for businesses processing over €200,000 annually

Find out more about Square 

Revolut

  • Card Charges:
    • Online Payments:
      • European consumer cards: 1% + €0.20 per transaction.
      • Commercial cards and cards issued outside Europe: 2.8% + €0.20 per transaction.
    • In-Person Payments:
      • European consumer cards: 0.8% per transaction.
      • Commercial cards and cards issued outside Europe: 2.6% per transaction.
  • Ease of Integration:
    • Supports online payments, payment links, and in-person payments via Revolut Reader or Tap to Pay on iPhone.
    • Offers custom plans tailored to business needs.
  • Other Features:
    • Transparent pricing with no hidden fees.
    • Detailed transaction breakdowns available in the Merchant section

Find out more about Revolut

Payment Sense

  • Card Charges:
    • Online Payments:
      • European consumer cards: 1% + €0.20 per transaction.
      • Commercial cards and cards issued outside Europe: 2.8% + €0.20 per transaction.
    • In-Person Payments:
      • European consumer cards: 0.8% per transaction.
      • Commercial cards and cards issued outside Europe: 2.6% per transaction.
  • Ease of Integration:
    • Supports online payments, payment links, and in-person payments via Revolut Reader or Tap to Pay on iPhone.
    • Offers custom plans tailored to business needs.
  • Other Features:
    • Transparent pricing with no hidden fees.
    • Detailed transaction breakdowns available in the Merchant section

Find out more about Paymentsense

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