Independent · Irish · paid by the provider

Card costs,
re‑priced.

PayBrokr is an independent payments brokerage for Irish businesses. We pull your card-processing costs apart fee by fee, make providers compete, and move you onto a sharper deal: next-day settlement, zero PCI and auth fees, no lock-in. Tied into a contract? We buy it out.

Get a free comparison → See how it works
€0 to merchants 8+ PSP partners ~40% avg. cost reduction
What you get Next-day settlement Zero PCI & auth fees No lock-in · contract buy-out

Works with everything you already take

Visa Mastercard Amex Apple Pay Google Pay Contactless
How it works

Four steps.
One statement to start.

01

Send your statement

One recent card-processing statement is all we need to begin. PDF, photo, or portal login. No commitment.

02

We compare providers

We line your current costs up against every PSP we work with, fee by fee, including where a rival beats our own recommendation.

03

We negotiate & switch

We push for the sharper rate and manage the move end to end. If you're tied into a contract, we buy it out.

04

You keep more

Lower processing costs, next-day settlement, no rolling lock-in. We're paid by the provider, never by you.

The receipts

See where the money goes.

Then we prove it on your statement, the only number that actually matters.

Monthly card turnover
€12,500
Average transaction value
€
Card mix
92% debit8% credit

Indicative only, based on a debit-heavy Irish SME mix. The real figures come from reading your actual statement.

Estimated monthly cost
High-street bank€0
Typical terminal provider€0
PayBrokr negotiated€0
Card processing€0 → €0
Authorisation fee€0 → €0
PCI compliance€25 → €0
Terminal rental€25 → €1
You could keep
around €0 a year
€0
What we cover

One broker.
Every payment vertical.

Active referral and ISO agreements across the full stack. We're agnostic; the right fit depends on your business, not on who's paying us most this quarter.

SME · INDEPENDENT · BANK

Card processing & acquiring

The core: face-to-face card payments across independent providers and Tier-1 bank acquirers, priced and negotiated on your real card mix.

BARS · RESTAURANTS

Hospitality EPOS

SHOPS · MULTI-SITE

Retail EPOS

ONLINE · GATEWAY

Ecommerce

MULTI-CURRENCY

FX & cross-border

100+ COUNTRIES

Global payouts

PORTABLE · COUNTERTOP

Terminal hardware

Proof, not promises

A Limerick bar group,
six years overpaying.

"They told me where each provider was cheaper, where each was more expensive, and let me decide. No-one had ever done that before."

Hospitality merchant · Limerick · switched April 2026. A typical Irish card mix (96.5% debit, €18.40 average ticket) on rates never reviewed in six years.

−27%
Processing costs
1.18%
Effective rate, from 1.62%
Next‑day
Settlement, was 3-day
8 days
Statement to live
Why PayBrokr

Three things nobody else
in Irish payments will tell you.

01

We name the loser, too.

Every comparison has a "where competitors are stronger" section. If a bank acquirer beats our pick on your card mix, we say so, and explain why we still recommend ours, or don't.

02

Our commission is on the page.

We show you what the provider pays us. You can see exactly why each option made your comparison. A conflict of interest can't hide when it's printed.

03

We'll tell you to stay.

If your current setup is genuinely competitive, we write "stay where you are." We close fewer deals that way, and keep the relationship for when it matters.

Questions, answered

The things merchants ask first.

The payment provider pays us a commission when a merchant we introduce signs and goes live. You pay nothing: not for the comparison, the advice, or the switch. We only earn if you choose to move, and only the provider funds it. Our commission is disclosed on every comparison.
It would, if we hid it. So we don't. Every comparison shows what each provider pays us and a "where competitors are stronger" section. If a provider that pays us less is the better fit, we say so in writing. The conflict only bites when it's concealed.
One recent processing statement from your current acquirer: a PDF, a phone photo, or a portal login. That's enough to model your real effective rate and card mix. About 30 seconds of your time.
Usually, yes, and it's part of the upgrade: you move to a modern terminal with next-day settlement and no PCI or auth fees. We manage the switch end to end, and if you're tied into a current contract, we buy it out so the move costs you nothing.
No. We arrange rolling, no-lock-in agreements wherever possible, so you're never trapped in a multi-year tie-in. If you ever want to leave, you can.
An acknowledgement within four hours and a full written comparison within 48 hours. If you switch, most merchants are live within a working week of signing, typically eight days from statement to live.
PayBrokr Advisory

Bigger payments questions?

Gateway selection, cross-border and FX, scheme fees and provider strategy for businesses that have outgrown a simple comparison. Clear, fixed advisory fees, with no provider sitting behind the advice.

See advisory & fees →
Start here

Stop guessing what you pay.

Send a recent card-processing statement and we'll come back with an honest, line-by-line comparison. No cost, no pressure, no contract with us.

Get a free comparison →