Skip to content

Small business · Ireland

Irish Card-Payment Cost Comparison

Headline percentages conceal fixed transaction charges, international-card rates, hardware, subscriptions and VAT treatment. This comparison applies the current public rate cards to one consistent sales pattern.

Interactive tool

Enter your details

A ranked monthly and annual cost estimate with effective rates and a component breakdown for each provider.

Step 1 of 3Sales · How you take payments, must total 100%
  1. Sales · How you take payments, must total 100%, step 1
  2. Card mix, step 2
  3. Tax and equipment, step 3

Sales

A fixed charge per transaction hurts far more on small sales, so this can change the ranking.

How you take payments, must total 100%

Card details typed into a terminal or virtual terminal rather than tapped or entered by the customer.

Nothing is saved. Your inputs are used only to calculate this result.

Personalised answer

Your result stays in view

Complete 3 short steps and this panel fills with your answer.

  • A direct answer to the question, in one line
  • The figures behind it, broken down
  • Practical next steps and the assumptions used

Before you begin

What this tool needs

  • The three payment shares must total exactly 100%.

  • Be honest about the share on business, rewards and non-EEA cards. It can change the winner more than the headline rate.

  • The result compares published prices, not a negotiated quote.

Reading the answer

What your result means

A small cost gap should not outweigh settlement speed, support, integrations or contract terms.

At higher turnover, use the ranking as a benchmark when requesting written custom quotes.

Boundaries

Assumptions and limitations

Working assumptions

  • Provider rate cards and representative hardware prices are versioned to the review date.
  • Refunded turnover is identified in the breakdown; providers may not return original processing fees.
  • The model does not include every optional POS software subscription.

Where to be careful

  • Promotions, sector-specific pricing and negotiated rates are excluded.
  • Confirm PCI, authorisation, settlement, minimum-monthly and termination charges in writing.

Common questions

Questions about this tool

Why does average sale value matter?

Providers with a fixed cent charge per transaction become relatively more expensive when the average sale is small.

Are the rankings sponsored?

No. The engine ranks the modelled cost only. Commercial relationships do not alter rates or ordering.

Continue the decision

Genuinely related tools

All tools
01Business

Business setup

Food-business route

Build a practical registration, approval, food-safety and starting-budget route for an Irish home kitchen, stall, truck, café, catering or manufacturing idea.

No account requiredUse tool