Editor's verdict on Paymentplus
Paymentplus is the Irish alternative to taking a card machine from your bank. It is a merchant services provider first, so the software is bundled with the acceptance: PlusPOS puts EPOS on the terminal itself, PlusOnline is the e-commerce gateway, PlusVirtual covers phone and pay-by-link.
The published entry prices are low. PlusOnline and PlusVirtual start at EUR 9.99 per month, PlusPOS at EUR 15 per month including the terminal, and transaction fees are quoted as cost plus 0.15%, which is interchange-plus rather than a blended rate. Businesses above EUR 150,000 annual card turnover are priced bespoke, so the real number comes from a statement analysis, not the website.
What you are buying on the software side is till and reporting functionality, not accounting. There is no Revenue integration, no payroll and no published VAT rate handling, so PlusPOS sits alongside your accounts package rather than replacing any of it. The pull is that support, the office and the settlement relationship are all Irish, with a seven-day phone helpdesk. Compare it against SumUp POS for the smallest operators and Square or Lightspeed where you need deeper retail or hospitality features.