BOIPA card machine Ireland: pricing plans 2026
BOI Payment Acceptance fixed monthly plans from €40, what each allowance covers, no PCI fee, next-working-day payouts and when a fixed plan costs you.
Card machinesUpdated
BOI Payment Acceptance sells card processing differently from almost everyone else in Ireland: a fixed monthly fee that covers both the terminal and an allowance of card turnover, instead of a percentage on every sale.
For a business with steady, predictable takings, that is a genuinely useful product. For a variable one, it is a trap worth understanding.
How BOIPA pricing works
Rather than quoting a rate, BOIPA sells Fixed Price Plans. Each plan includes terminal rental and covers a set amount of monthly card spend.
| Plan | Monthly cost | Covers |
|---|---|---|
| Entry bundles | From €40 | Includes terminal rental |
| Ready Made 4000 | €60 | €4,000 of monthly card spend, terminal rental included |
| Ready Made 8000 | From €90 | €8,000 of monthly card spend |
| Collect | €25 | 300 transactions, then 10c each |
| Tailor Made | Quote | Above €8,000 monthly card turnover |
You can flex up and down between plans as your trading changes, which is the feature that makes the model workable.
Above €8,000 a month in card turnover you move to a bespoke Tailor Made plan, which is priced on your card mix and sales channels.
What is not charged
BOIPA states plainly that there is no joining fee, no minimum monthly fee and no PCI fee.
The absent PCI fee is worth flagging. AIB Merchant Services is reported at €15 a month for PCI compliance, rising to €25 if you fail to certify. Over three years that is a €540 to €900 difference on an otherwise similar arrangement.
There are no authorisation fees either, which is a real cost line in interchange++ pricing from other acquirers.
Payouts
Next working day, into whichever bank you use — you do not have to bank with Bank of Ireland to use BOIPA.
Next working day means Friday and Saturday takings arrive Monday. Dojo’s seven-day settlement is better on this specific point.
Who it suits
A counter business with steady turnover: a pharmacy, a hardware shop, a hair salon, a butcher, a newsagent. Somewhere that does roughly the same numbers every month and would rather see one predictable line on the bank statement than a percentage that moves.
It also suits anyone who wants an Irish provider with Irish phone support and an established name behind it, which matters more to some owners than a 0.3% rate difference.
BOIPA supports Tap to Pay on iPhone in Ireland through Global Payments, so you are not locked to hardware.
Honest downsides
Fixed plans punish quiet months. If you are on the €60 plan and do €1,500 in a slow February, you have paid an effective 4%. On SumUp pay-as-you-go that month would have cost €25.35. Fixed pricing only wins when you consistently use the allowance.
Contract length is not published. Neither the Bank of Ireland business banking pages nor BOIPA’s own pricing pages state a minimum term for Irish merchants. Ask directly and get it in writing before signing. This is the single biggest unknown on this page.
Rates above the allowance are not published. What happens when you exceed €4,000 on the €60 plan is not stated publicly — clarify the overage treatment.
Terminal is rented, not owned. You will never own the hardware, and it goes back at the end.
Next working day, not seven-day, settlement. Weekend trade waits until Monday.
Frequently asked questions
How much is a BOIPA card machine per month?
Bundles start from €40 a month including terminal rental. The Ready Made 4000 plan is €60 a month and covers €4,000 of monthly card spend. Ready Made 8000 starts at €90.
Does BOIPA charge a PCI compliance fee?
No. BOIPA states there is no PCI fee, no joining fee, no authorisation fee and no minimum monthly fee.
Do I need to bank with Bank of Ireland to use BOIPA?
No. BOIPA settles next working day into your account whoever you bank with.
How long is a BOIPA contract?
Not published on BOIPA’s Irish pricing pages. Ask for the minimum term and any early termination charge in writing before you sign — this is the standard gap between fixed-plan pricing and pay-as-you-go readers.
BOIPA or SumUp for a small shop?
Below roughly €4,000 a month in card turnover, SumUp pay-as-you-go at 1.69% is usually cheaper and carries no commitment. Above that, and if your turnover is genuinely steady, BOIPA’s fixed plan becomes competitive and gives you a predictable bill plus Irish support.