Card machines
The right card machine at the right rate — for your business.
LowerFees works with the full range of card machine providers and acquirers operating in Ireland and the UK. We find the best fit for your business — whether that's a free terminal with no monthly rental, or the lowest possible processing rate.
Rates from
0.15%
on consumer debit, depending on your business type, volume, and acquirer. We compare the whole market to find your best deal.
€0
Monthly rental available — free card machines with no ongoing hardware cost
Free
Our service — we're paid by the acquirer, not by you
We work with the providers that matter
Rather than being tied to one provider, LowerFees has relationships across the acquirer and terminal landscape — so we recommend what's genuinely best for your business, not what's easiest to sell.
Primary partners
Bank of Ireland Payment Acceptance
via Global PaymentsIreland's largest bank payment acceptance service, backed by Global Payments processing infrastructure.
AIB Merchant Services
via FiservAIB's merchant acquiring arm, powered by Fiserv — one of the world's largest payment technology companies.
Shift4
Competitive flat-rate card machine plans including free terminal options with no monthly rental fee.
myPOS
Instant settlement to a built-in business account. Payment links, SoftPOS, and website gateway included. Partner rates available — see our myPOS page.
Paynt
SoftPOS solution turning a compatible Android phone into a card machine — no hardware required.
Rapyd
E-commerce gateway and card-present processing, with strong international and multi-currency capability.
Also in our network
Elavon
A major global acquirer with strong presence in Ireland and the UK, backed by US Bancorp.
Worldpay
One of the world's largest payment processors — used by tens of thousands of UK and Irish businesses.
Trust Payments
A growing UK-based acquirer with competitive rates for SMBs across Europe.
PXP Financial
Flexible acquiring for both card-present and card-not-present, with strong multi-currency support.
NMI
A gateway that sits above multiple acquirers — giving flexibility to source the best underlying rate.
Plus others — our panel continues to grow.
How we find you the right plan
We learn about your business
Card volume, average transaction size, business type, whether you're mobile or fixed — these all affect which provider and rate card will suit you best.
We compare the whole market
We run your profile against our panel of acquirers and terminal providers. You get a clear comparison — not just one option.
We recommend the best fit
Sometimes that's a free terminal with a slightly higher rate. Sometimes it's a premium plan with the lowest processing cost available. We explain the trade-offs honestly.
We handle the application
Once you decide, we manage the paperwork and onboarding with the chosen provider. You're typically live within a week.
Types of card machine we can source
Different businesses need different setups. We match you to the right hardware and acquiring arrangement.
Countertop terminals
Fixed terminals for retail counters, reception desks, and restaurant tills. Ethernet or Wi-Fi connected.
Portable terminals
Bluetooth-connected terminals that move around your premises — ideal for table-service restaurants and hospitality.
Mobile terminals
SIM-connected terminals that work anywhere with mobile coverage. Built for traders, tradespeople, and outdoor use.
SoftPOS / Tap to Pay
Turn a compatible Android phone into a card machine — no hardware at all. See our SoftPOS page for detail.
Paynt · PAX A920Pro
Buy a card machine outright
Own your terminal from €250 + VAT. Rates from 0.3% consumer debit, no PCI fee, no monthly minimum, built-in tipping.
Shift4
Free card machine — no monthly rental
Get a card terminal at zero monthly cost. SIM included, next-day payouts, no lock-in. From 1.25% on Visa & Mastercard.
Not sure which card machine is right for you?
Book a free consultation and we'll compare the whole market for your business — hardware, rates, and acquirer. No commitment, no pressure.
Or call +353 1 420 0816