Elavon Ireland: card machine rates and offers 2026
Elavon's published Irish offers — 0.75% on POS, €0 terminal fees until end 2026, the €30 minimum charge — and what happens when the promo ends.
Card machinesUpdated
Elavon is one of the few merchant acquirers that publishes actual euro figures for Ireland rather than sending everyone to a sales rep. It trades here as U.S. Bank Europe DAC, registered in Dublin and regulated by the Central Bank of Ireland for its acquiring services.
The figures it publishes are promotional, though, and the reversion rate is where the real cost sits.
Elavon’s current Irish offers
These are the published offers as of 1 August 2026.
Elavon POS
- €0 monthly terminal fee until the end of 2026, then €23 a month
- Monthly service charge of 0.75%
- 12-month contract
- Maximum of three terminals
- Portable smart terminal with charging dock, wifi and 4G
Multichannel
- €0 monthly terminal fee for 12 months, then “the standard rate available at that time”
- Merchant service charge starting at 1%
- €0.16 per transaction gateway fee
- Minimum merchant service charge of €30 a month
- Up to three devices
Elavon Payment Gateway (online)
- €0 gateway monthly fee for the first three months, then €13 a month
- €0.15 per gateway transaction
- 1.25% on Visa and Mastercard
- €0 next-day funding
- New Elavon Payment Gateway Lite customers in Ireland only
Independent Irish reporting also lists an Elavon Mobile reader at €19 excluding VAT with rates between 1.75% and 2.5%, which is the entry-level option if you do not want a contract.
Payouts
Next day. Elavon advertises money in your account next day across its Irish products, with 24/7 technical support on 0818 20 21 20.
Who it suits
An established Irish business that wants a regulated acquirer with published headline rates, next-day settlement and round-the-clock technical support — and one that will actually read the reversion terms.
The 0.75% monthly service charge on the Elavon POS offer is the lowest published percentage from any Irish merchant acquirer. At €5,000 a month in card turnover that is €37.50, with no terminal fee until the end of the year. Even at €23 a month afterwards, €60.50 all-in is competitive with anything in the market.
It suits multichannel businesses particularly well, since the gateway, terminal and merchant account come from the same provider on one statement.
Honest downsides
Everything is an introductory offer. The €0 terminal fee has an end date on both main products. On Multichannel, the reversion is described only as “the standard rate available at that time” — an unknown you are agreeing to in advance. Get that number in writing before signing, and treat a refusal to provide it as your answer.
The €30 minimum merchant service charge. On the Multichannel offer, a month where your processing fees come to €12 still costs you €30. For a seasonal or part-time business that is dead money.
The 12-month contract on Elavon POS. Modest by acquirer standards — AIB Merchant Services runs 1 to 4 years — but it is still a commitment, and there is no published early exit cost.
Three-terminal cap on the promotional products. Fine for a single site, limiting for a growing multi-till business.
No standing price list. The campaigns page changes. Whatever you were quoted is what matters, and it needs to be on paper.
Frequently asked questions
Does Elavon operate in Ireland?
Yes. Elavon trades in Ireland as U.S. Bank Europe DAC, registered in Ireland (number 418442) with a registered office at Cherrywood Business Park, Dublin 18, and is regulated by the Central Bank of Ireland for acquiring services.
What is Elavon’s transaction rate in Ireland?
On the current Elavon POS offer, a monthly service charge of 0.75%. On the Multichannel offer, a merchant service charge starting at 1% plus a €0.16 per-transaction gateway fee. Online through the Elavon Payment Gateway, 1.25% on Visa and Mastercard plus €0.15 per transaction.
How much is an Elavon card machine per month?
€0 until the end of 2026 on the Elavon POS offer, then €23 a month. On the Multichannel offer, €0 for 12 months, then a standard rate Elavon does not publish.
Is there a minimum monthly charge?
Yes, on the Multichannel offer: a minimum merchant service charge of €30 a month regardless of how little you process.
How long is an Elavon contract in Ireland?
Twelve months on the published Elavon POS offer. Terms on other products are not published — ask before signing.