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Online Payment Systems in Ireland: A Complete Guide to Top Payment Methods in 2025
27.07.2025
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Important Disclaimer: Please note that the information, such as fee schedule, about Stripe, PayPal, Square and any services quoted in this article were taken from their public websites on 9 June 2025 unless stated otherwise. This information is subject to change, and businesses should verify current fees, features, and terms directly with providers before making final decisions.
The landscape of online payments systems in Ireland has transformed significantly in recent years. As Irish consumers increasingly shop, stream content, and manage subscriptions digitally, they are actively seeking out new payment options that prioritise ease of use, robust security, and enhanced privacy.
This surge in digital adoption has created a competitive landscape where choosing the right Irish online payment methods can significantly impact business success.
Debit cards and online payment services have taken centre stage in Ireland, reflecting this broader shift in consumer preferences. Whether you’re a business owner, entrepreneur, or consumer, knowing which solutions are trusted, secure, and widely used can make all the difference. This guide provides a concise analysis of the best 5 payment gateways for Ireland, and how innovative open banking options like Noda are changing the market.
The Digital Payment Boom in Ireland
Ireland has seen a dramatic shift towards digital payments in recent years. According to the Central Bank of Ireland, Irish consumers made €149.8 billion in card payments in 2024, a 25.5% increase from €119.3 billion in 2023. Nearly 98% of these transactions were electronic, highlighting the country’s strong move away from cash. Overall, digital payments dominate the market (59%), followed by cards (51% for debit and credit cards combined.)
This shift is supported by technological advances, regulatory support, and changing consumer preferences. It has also created opportunities for businesses to offer diverse payment options whilst maintaining security and compliance with European regulations.
Why Merchants Need the Right Online Payment Systems in Ireland
Selecting the right online payment platforms in Ireland is more than a technical decision—it’s about trust, convenience, and conversion rates. Irish consumers expect seamless, secure, and flexible payment options, both online and in-person. For businesses offering the most popular Irish online payment methods, these are not just boxes to tick; they are more likely to win customer loyalty and drive growth.
Below, you’ll find the top 5 online payment systems in Ireland in 2025. We compare major names—so you can confidently pick the option that fits your unique needs.
Top 5 Online Payment Systems in Ireland
Here is the list of online payment systems in Ireland, along with their online processing capabilities, fees, and features to help you pick the perfect fit for your business.
Noda
Noda’s HQ is in the UK, yet.
Noda, a UK-based company, leverages its open-banking infrastructure to offer Irish merchants comprehensive online payment services in Ireland, enabling economical, instant, card-free transactions with zero chargebacks and EU-wide coverage.
Noda’s full-stack platform provides a suite of tools that cater to a wide range of business needs, from open banking and card payments to customer data services and no-code solutions.
Company Name: | Noda |
| Ireland Availability: | Yes, Noda offers Irish merchants a highly efficient and economical way to accept payments, powered by Open Banking |
| Coverage: | Instead of relying on expensive card payments, Noda connects directly to over 2,000 banks across 28 EU countries. This means Irish customers can pay straight from their bank account, often saving merchants up to 80% on transaction fees compared to traditional card payments. |
| What you’ll be charged per transaction: | Customised pricing starting from just 0.1%—contact Noda for a quote that best fits your needs. |
| Who it helps best: | E-commerce startups, businesses in travel and tourism, SaaS companies, and marketplaces, needing scalable online payment platforms in Ireland. |
| The upsides |
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| The watch-outs |
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| Supported payment methods | Customers can pay using both pay-by-bank and cards, including Apple Pay and Google Pay. For enhanced convenience, features such as payment links and QR codes are also offered. |
Future-proof your Irish Payments with Noda
Stripe
Stripe is ideal for any merchant wanting flexibility in accepting payments online. Stripe makes setting up a simple store or offering subscriptions easy with tools like hosted checkouts, payment links, and digital invoicing. It also helps manage recurring payments or one-off purchases with ease, and offers its strong fraud protection and seamless global payment support. Stripe is headquartered in San Francisco, with a significant presence in Dublin, reflecting its strong roots both in the US and Europe.
Company Name: | Stripe |
| Ireland Availability: | Yes, available in Ireland. |
| Coverage: | 135+ currencies, global reach. |
| What you’ll be charged per transaction: |
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| Who it helps best: | Tech-savvy SMEs, SaaS, businesses in retail and utilities, as well as those in e-commerce and travel. |
| The upsides |
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| The watch-outs |
Custom plans require negotiation and may not be transparent. |
| Supported payment methods | Debit and credit cards, mobile wallets, crypto, BNPL platforms, local payment methods, pay-by-bank (in selected markets). |
PayPal
PayPal remains a familiar and widely used option across Irish e-commerce checkouts, recognised instantly by its iconic blue button. It offers drop-in checkout buttons, one-click PayPal Wallet, and built-in buyer protection to cut fraud and lift conversion without extra plugins. Recurring billing and invoicing are included; funds settle in euros overnight.
Company Name: | PayPal |
| Ireland Availability: | Yes, available in Ireland. |
| Coverage: | Support for 25+ currencies, global reach. |
| What you’ll be charged per transaction: |
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| Who it helps best: | Freelancers, Startups, and businesses in sectors like e-commerce and travel. |
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Square:
Square has carved out a space in the Irish market with its free POS system and neat online dashboards. It’s ideal for local shops venturing online or hospitality businesses taking bookings and payments through their website. Apart from cards, Square offers NFC-enabled mobile wallets and other contactless payments – both online and in-store.
Company Name: | Square |
| Ireland Availability: | Yes, available in Ireland. |
| Coverage: | Primarily GBP and EUR, with limited international support. |
| What you’ll be charged per transaction: |
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| Who it helps best: | E‑commerce stores, marketplaces, and service providers. |
| The upsides |
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| Supported payment methods | Credit/debit cards, Apple Pay, and Google Pay |
AIB Merchant Services
AIB Merchant Services (AIBMS), a joint venture between Allied Irish Banks and Fiserv, is one of the local online payment systems in Ireland. Its online payment platform—the Authipay gateway, makes it a good local choice for e-commerce merchants seeking secure, flexible solutions.
Company Name: | AIB Merchant Services |
| Ireland Availability: | Yes, deeply integrated with Irish businesses. |
| Coverage: | Strong presence in Ireland and the UK, with card processing capabilities across continental Europe, supporting multiple currencies. |
| What you’ll be charged per transaction: | Customised plans—contact AIBMS for a quote. |
| Who it helps best: | Authipay for pure play e-commerce businesses, whereas DÃol serves the needs of merchants with physical presence. |
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| The watch-outs |
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| Supported payment methods | Credit/debit cards, digital wallets, pay-by-link, and partnership with alternative gateways. |
The Future Belongs to Open Banking
Among the top 5 online payment systems in Ireland—Noda, Stripe, PayPal, Square, and AIB Merchant Services—Noda emerges as a suitable choice for addressing the diverse needs of Irish merchants in 2025. Its open banking platform slashes transaction fees by up to 80% compared to others on the list, offering instant settlements and no-code integration.
Irish merchants are increasingly choosing open banking for its cost-efficiency, security, and seamless customer experience, driven by PSD2 regulations and consumer demand for faster, cheaper payments. Noda’s data-driven tools and scalability make it the ultimate online payment platform in Ireland for e-commerce merchants.
Noda: Unlocking New Payment Potential for Irish Businesses
Noda offers a modern payment gateway designed to streamline transactions for businesses operating or expanding within Ireland and across Europe. It empowers merchants with cutting-edge open banking capabilities alongside traditional payment options.
Key advantages include:
- Extensive Banks Connectivity: Seamlessly connect to all major Irish banks and over 2,000 banks across 28 European countries through a single, unified integration. This broad network ensures comprehensive coverage for your customers.
- Highly Competitive Fees: Benefit from ultra-low transaction costs, starting from 0.1%, designed to significantly boost your profit margins by reducing payment processing expenses (for example, 1.5%-2.9% charged on card payments in Ireland.)
- Dedicated Partner Support: Receive personalised guidance from a dedicated account manager, assisting you from initial setup through ongoing optimisation and growth.
- Effortless Integration: Go live quickly with ready-to-use plugins for popular e-commerce platforms like WooCommerce, Magento, Prestashop, and OpenCart, getting you setup in minutes. Noda's APIs also ensure smooth integration for custom checkouts.
- Instant Fund Settlement: Experience real-time payment processing, with funds settling directly into your bank account within seconds. This eliminates intermediaries and avoids lengthy card processing delays, improving your cash flow.
- Comprehensive Payment Choices: Offer maximum customer choice by combining open banking payments with traditional card options, Apple Pay, and Google Pay, all within one integrated platform.
- No-Code Solutions: Generate instant payment links without any coding or a website. This allows you to quickly collect direct bank payments, ideal for smaller merchants or those without a dedicated online store.
Noda is uniquely positioned to help Irish merchants capitalise on the open banking opportunity, offering a secure, efficient, and user-friendly solution for modern online payments.
Get in touch with Noda today to unlock the power of instant, cost-effective payments and keep your business ahead of the curve in Ireland.
FAQs
What is an online payment system and how does it work?
An online payment system is a digital platform that enables businesses and consumers to send and receive money electronically. These systems process payments using cards, bank transfers, digital wallets, or open banking APIs. For example, Noda uses open banking to offer instant, secure payments without the need for card details, enabling quick fund transfers and a seamless checkout experience.
When a customer checks out online, the payment system securely transmits the payment details, authorises the transaction, and settles the funds between the buyer and seller—often in seconds.
How can I pay for goods and services in Ireland?
You can pay for things in Ireland using:
- Open banking platforms (like Noda) for instant, secure payments.
- Debit or credit cards (contactless or chip & PIN).
- Mobile payments (Apple Pay, Google Pay).
- Digital wallets (PayPal).
- Bank transfers.
- Cash-based solutions (CashtoCode).
