Software Comparison

Paymentplus vs Square POS - Irish POS Software Compared

Choosing between Paymentplus and Square POS is one of the most common decisions Irish businesses face when evaluating pos software. This comparison breaks down everything an Irish SME needs to know, from Revenue integration and GDPR data residency to pricing and ease of use.

View Paymentplus View Square POS

Last checked: 06 Oct 2026data estimated for at least one vendor - confirm with the vendorMethodology

Quick Verdict

Where Paymentplus and Square POS actually differ

Square POS publishes the lower starting price: EUR 0 against EUR 15 for Paymentplus.
Data residency differs: Paymentplus stores data in EU data centres, Square POS in EU and US data centres. For GDPR-sensitive Irish organisations this can decide the shortlist on its own.
Paymentplus offers Irish business-hours support; Square POS does not.

Paymentplus vs Square POS - Feature Comparison

Feature	Paymentplus	Square POS
Monthly Software Cost	Smart Android Terminal package: EUR 0 a month for the first 12 months, then EUR 20 a month, with EPOS software included (T&Cs apply). All EPOS features are in that price with no paid feature tiers (Paymentplus statement; the pricing page lists no software tiers). PlusOnline and PlusVirtual from EUR 9.99 per month	Free base POS tier; Square for Restaurants EUR 69 per month; Square Online from EUR 14 per month
Transaction Fees	Interchange-plus from cost plus 0.15%; bespoke above EUR 150,000 annual card turnover	1.75% per in-person EU/EEA card transaction, plus VAT
Irish Support	Seven-day Irish phone helpdesk (Mon-Sat 8am-8pm, Sun 10am-4pm) from Dublin office	No dedicated Irish support; US-centric helpdesk
GDPR Data Residency	EU	Both EU and non-EU infrastructure
VAT Handling	PlusPOS sets VAT rates per product and reports VAT collected by rate; returns are still filed from your accounts package	Standard Irish VAT rates applied on receipts
Revenue and PAYE Integration	None; no Revenue filing or PAYE modernisation support	None; no Revenue filing or PAYE modernisation support
Settlement	Next-day gross settlement into the merchant's own Irish business bank account	Next-day payouts to Irish IBAN accounts
E-commerce and Virtual Terminal	PlusOnline gateway with WooCommerce, Magento, OpenCart and Zen Cart plugins plus hosted pages and direct API; PlusVirtual for phone orders, pay-by-link and QR codes	Square Online from EUR 14 per month; no dedicated virtual terminal product listed

Irish Compliance and Pricing Matrix

A side-by-side data comparison of pricing and Irish regulatory compliance for Paymentplus and Square POS. Values are derived from each vendor's published data and verified weekly.

Requirement	Paymentplus	Square POS
Pricing
Starting price	From €15/month	Free tier available
Pricing model	Monthly flat rate (per month, plus transaction fees from cost + 0.15%)	Usage-based
EUR pricing guaranteed	✓	✓
Free trial	✗	✗
Irish Compliance
Revenue (ROS) integration	✗	✗
PAYE Modernisation	✗	✗
Irish bank feeds	✓	✗
Bank compatibility	None listed	None listed
SEPA direct debit	✗	✗
Irish IBAN support	✓	✓
VAT handling	✓	✓
EU data residency (GDPR)	EU only	EU and US
Irish support	✓	✗
Revenue-approved	✗	✗
CBI regulated	✗	✗

Pricing notes

Paymentplus: Published monthly software prices: PlusOnline and PlusVirtual from EUR 9.99 per month (payment gateway, pay by link, QR codes and phone payments); PlusPOS from EUR 15 per month including the card terminal. Card machines come in three packages: the Smart Android Terminal at EUR 0 monthly terminal cost for the first 12 months (EUR 20 per month after that), the Ingenico Move at EUR 1 per month for life, and a Tailored to You bespoke package. Transaction fees are quoted from cost plus 0.15% on both standard packages. Businesses above EUR 150,000 annual card turnover are priced bespoke after a free statement analysis. Apple Pay and Google Pay are included on all packages. T&Cs apply. Source: https://paymentplus.ie/pricing/ (fetched 2026-10-06). - Source

Irish Compliance Comparison

For Irish businesses, compliance with Revenue, GDPR, and local banking standards is non-negotiable. Here is how Paymentplus and Square POS compare on the requirements that matter most to Irish SMEs.

Revenue Integration

Neither Paymentplus nor Square POS offers native Revenue Online Service integration. Irish businesses in pos may not need this feature directly, but should ensure their accounting software handles Revenue compliance separately.

Irish Bank Feeds

Neither Paymentplus nor Square POS offers direct Irish bank feed integrations, which is expected for pos software. Your accounting platform should handle bank feeds separately.

GDPR Data Residency

Paymentplus stores data exclusively in EU data centres, giving Irish businesses straightforward GDPR compliance. Square POS uses eu and us data centres (configuration required), which means you may need to specifically request or configure EU data residency. For businesses handling sensitive Irish customer data, Paymentplus offers greater peace of mind on data sovereignty.

SEPA and IBAN Support

Neither Paymentplus nor Square POS offers native SEPA Direct Debit support. This is less relevant for pos tools, but if you need to process euro payments, ensure your accounting or invoicing software covers SEPA compliance.

VAT Handling

Both Paymentplus and Square POS handle Irish VAT, including standard VAT return preparation and submission. Irish businesses can manage their VAT obligations from either platform without needing a separate tool.

Pricing Comparison

All prices below are in euro. Pricing can change - we verify vendor pricing weekly, but always confirm on the vendor's website before purchasing.

Paymentplus

€15/mo

Pricing model: Flat rate (per month, plus transaction fees from cost + 0.15%)
Free trial: No
EUR pricing guaranteed: Yes

View Paymentplus pricing →

Square POS

Free tier

Pricing model: Usage-based
Free trial: No
EUR pricing guaranteed: Yes

View Square POS pricing →

Square POS does not publish entry-level pricing - request a quote directly. Total cost of ownership depends on users, plan tier, add-ons and features, so always calculate the full annual cost for your team size before committing.

Who Should Choose Paymentplus

Paymentplus is the better fit if your business matches one or more of these profiles:

✓Companies that value Irish-based phone and email support
✓GDPR-conscious businesses wanting guaranteed EU data residency
✓Growing businesses with 21-50 employees that need a platform which scales

Who Should Choose Square POS

Square POS is the better fit if your business matches one or more of these profiles:

✓Those who value: free to start
✓Those who value: elegant hardware
✓Those who value: easy setup

Our Verdict

Both handle Irish VAT at the till: Square applies standard Irish VAT rates on receipts, and PlusPOS sets VAT per product and reports VAT collected by rate, with returns filed from a separate accounts package in both cases. On upfront cost both now start at zero: Square's base POS tier is free, and Paymentplus's Smart Android Terminal package is EUR 0 a month for the first 12 months with EPOS software included, then EUR 20 a month. Past the first year Square's free tier stays cheaper on monthly cost, but at higher turnover the interchange-plus model from Paymentplus typically undercuts a flat percentage rate.

Ultimately, the best choice depends on your specific business needs, team size, and priorities. We recommend taking advantage of free trials from both vendors before making your final decision. If you are working with an Irish accountant or payroll bureau, ask which platform they prefer - their familiarity with the software can save you significant time and hassle during setup and ongoing support.

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Frequently Asked Questions

Is Paymentplus or Square POS better for Irish SMEs?

Paymentplus suits Irish SMEs that want a single Irish merchant services relationship covering in-person EPOS, online payments and phone orders, with interchange-plus transaction pricing and a seven-day Irish phone helpdesk backed by a Dublin-registered company. Square POS suits micro-businesses and pop-up retailers that want zero monthly software cost and can absorb a flat 1.75% per transaction, accepting that support is US-centric rather than Irish. Neither vendor offers Revenue integration or PAYE modernisation support, so both sit alongside rather than inside an Irish accounting workflow. Paymentplus publishes EU data residency and routes next-day gross settlement directly to the merchant's own business bank account, while Square holds data across both EU and non-EU infrastructure, which is a relevant consideration for GDPR-conscious Irish buyers. Both handle Irish VAT at the till: Square applies standard Irish VAT rates on receipts, and PlusPOS sets VAT per product and reports VAT collected by rate, with returns filed from a separate accounts package in both cases. On upfront cost both now start at zero: Square's base POS tier is free, and Paymentplus's Smart Android Terminal package is EUR 0 a month for the first 12 months with EPOS software included, then EUR 20 a month. Past the first year Square's free tier stays cheaper on monthly cost, but at higher turnover the interchange-plus model from Paymentplus typically undercuts a flat percentage rate.

Which is cheaper, Paymentplus or Square POS?

Paymentplus starts at From €15/month, while Square POS starts at Free tier available. Square POS is the more affordable option at entry level, though total cost depends on the number of users and features you need.

Does Paymentplus or Square POS have better Irish bank feeds?

Paymentplus supports None. Square POS supports None. Both offer similar Irish bank compatibility.

Which has better GDPR compliance, Paymentplus or Square POS?

Paymentplus stores data in EU data centres (GDPR-friendly). Square POS stores data in EU and US data centres (configuration required). Paymentplus offers stronger GDPR assurance with EU-only data storage.

Can I switch from Paymentplus to Square POS?

Yes, migrating between Paymentplus and Square POS is possible. Most pos platforms allow you to export your data in CSV or standard formats. We recommend working with your accountant or IT provider to plan the migration, ideally at the start of a new financial year or payroll period to minimise disruption.

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