Sources: Central Bank of Ireland and provider disclosures, 2024–2025.
How Ireland pays
Ireland is a card market through and through. There is no domestic card scheme: since the Laser debit card was retired, Irish banks issue Visa and Mastercard debit cards, and these carry most everyday spending, in store and online. Contactless is the norm at the till, and Apple Pay and Google Pay sit on top of those same cards for mobile and web checkout, alongside PayPal.
Irish shoppers also buy heavily from UK and other EU retailers, and app-based banks such as Revolut hold a large share of Irish accounts, so cards issued outside Ireland are a normal part of the mix. For an enterprise merchant, the value is optimization: routing across acquirers to protect approvals, frictionless 3DS under PSD2 strong customer authentication, and retries when an issuer declines, all behind one integration, in euros, with compliance aligned to the Central Bank of Ireland's expectations.
Why merchants run on us here
Card-first checkout
Irish checkout runs on Visa and Mastercard debit, so card acquiring and approval rates are where the value is.
Frictionless 3DS under PSD2
Strong customer authentication applied with exemptions where allowed, protecting both compliance and conversion.
Wallets on every device
Apple Pay, Google Pay and PayPal alongside cards, for fast mobile checkout.
One integration, euro settlement
Cards, wallets and PayPal behind one integration, in euros, with routing across acquirers to protect approvals.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Ireland
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Ireland like any other market in your stack.
One integration, every local method
Connect once and reach every card scheme, wallet, bank rail and installment provider in Ireland through a single API — no separate contract or integration per provider.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the euro (EUR) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Ireland?
Talk to our payments team about going live in Ireland — coverage, local acquiring, settlement and timelines for your business.