Software Comparison
Paymentplus vs SumUp POS - Irish POS Software Compared
Choosing between Paymentplus and SumUp 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.
Last checked: 31 Aug 2026data estimated for at least one vendor - confirm with the vendorMethodology
Quick Verdict
Paymentplus suits Irish SMEs from sole traders up to 50-staff hospitality and retail businesses that want a single Irish merchant account covering in-person EPOS, e-commerce gateway and virtual terminal under one relationship, with next-day gross settlement into their own business bank account and a seven-day Irish phone helpdesk.
Where Paymentplus and SumUp POS actually differ
- SumUp POS publishes the lower starting price: EUR 0 against EUR 15 for Paymentplus.
- SumUp POS supports SEPA Direct Debit collection out of the box; Paymentplus needs a third-party add-on or manual handling.
Paymentplus vs SumUp POS - Feature Comparison
| Feature | Paymentplus | SumUp POS |
|---|---|---|
| Monthly Pricing | 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 entry tier with no monthly fee; POS Pro is quote-only for higher-volume businesses |
| Transaction Fees | Interchange-plus from cost plus 0.15%; bespoke rates above EUR 150,000 annual card turnover | Flat 1.69% per card transaction on the free tier |
| POS Functionality | Android terminal with built-in EPOS: unlimited products and groups, table and tab management, tips, part-payments, multi-user back-office portal and daily sales reporting | Basic inventory tracking, sales reporting and digital receipts; advanced hospitality and retail features are limited |
| Payment Channels | In-person PlusPOS, e-commerce gateway (WooCommerce, Magento, OpenCart, Zen Cart plugins plus hosted pages and direct API), virtual terminal with pay-by-link, QR codes and tokenised recurring billing | In-person card reader; basic online and invoicing tools; no published multi-channel gateway with e-commerce plugins |
| Settlement | Next-day gross settlement into the merchant's own business bank account | Irish IBAN payouts via SEPA |
| Central Bank of Ireland Regulation | Not a regulated payment institution itself. Card processing runs through partner acquirers, which Paymentplus says are CBI-registered; the acquirers are not named, so ask which one your account will sit with | Authorised e-money institution, CBI reference C195030 |
| SEPA Direct Debit | Not supported | Supported |
| Irish Support | Seven-day phone helpdesk: Monday to Saturday 8am to 8pm, Sunday 10am to 4pm; Dublin office | Irish support available |
Irish Compliance and Pricing Matrix
A side-by-side data comparison of pricing and Irish regulatory compliance for Paymentplus and SumUp POS. Values are derived from each vendor's published data and verified weekly.
| Requirement | Paymentplus | SumUp 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 only |
| 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
SumUp POS: Free entry tier: no monthly fee, 1.69% per card transaction. POS Pro is a paid tier aimed at higher-volume retail and hospitality - pricing is quote-only and obtained via a sales demo rather than published on the Irish site. - Source
Irish Compliance Comparison
For Irish businesses, compliance with Revenue, GDPR, and local banking standards is non-negotiable. Here is how Paymentplus and SumUp POS compare on the requirements that matter most to Irish SMEs.
Revenue Integration
Neither Paymentplus nor SumUp 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 SumUp POS offers direct Irish bank feed integrations, which is expected for pos software. Your accounting platform should handle bank feeds separately.
GDPR Data Residency
Both Paymentplus and SumUp POS store data in EU data centres, providing strong GDPR compliance out of the box. Irish businesses can use either platform without worrying about cross-border data transfers to the US or other non-EU jurisdictions.
SEPA and IBAN Support
SumUp POS supports SEPA Direct Debit and Irish IBAN format, making euro payments and bank transfers seamless. Paymentplus does not support SEPA natively, which could mean extra manual steps when processing euro payments or setting up direct debits for Irish customers.
VAT Handling
Paymentplus includes Irish VAT handling for return preparation and submission. SumUp POS does not handle VAT natively - Irish businesses using SumUp POS will need their accounting software to manage VAT obligations separately.
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
SumUp POS
Free tier
- Pricing model: Usage-based
- Free trial: No
- EUR pricing guaranteed: Yes
SumUp 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:
- ✓Growing businesses with 21-50 employees that need a platform which scales
- ✓Those who value: pluspos runs epos software on the card terminal itself, so no separate till hardware is needed
- ✓Those who value: cloud back office covers sales reporting, inventory, products, staff, table service and tipping, not just card takings
Who Should Choose SumUp POS
SumUp POS is the better fit if your business matches one or more of these profiles:
- ✓Those who value: no monthly subscription fee
- ✓Those who value: irish iban payouts supported
- ✓Those who value: very simple to set up
Our Verdict
Paymentplus suits Irish SMEs from sole traders up to 50-staff hospitality and retail businesses that want a single Irish merchant account covering in-person EPOS, e-commerce gateway and virtual terminal under one relationship, with next-day gross settlement into their own business bank account and a seven-day Irish phone helpdesk. SumUp POS is the better fit for very small operators, market traders and micro-businesses with 1 to 5 employees who want to accept cards immediately with no monthly fee, paying only 1.69% per transaction. On Irish-specific grounds, both support Irish IBAN payouts, both process data within the EU, and the regulatory licence sits in a different place for each. SumUp is itself authorised by the Central Bank of Ireland as an e-money institution (reference C195030).
Paymentplus is not the regulated entity: card processing runs through partner acquirers, which Paymentplus says are CBI-registered, so ask which acquirer your account will sit with. PlusPOS sets VAT per product and reports VAT collected by rate, but neither vendor offers Revenue integration or PAYE Modernisation support, so both sit alongside rather than replacing an accounts package. On upfront cost, 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, against SumUp's no-monthly-fee entry tier. For businesses above roughly EUR 150,000 annual card turnover, Paymentplus offers interchange-plus pricing from cost plus 0.15% after a statement analysis, which will typically beat SumUp's flat 1.69% blended rate at volume.
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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