The SmartRate Plan
One of Ireland’s Most Competitive Card Rates – Simple, predictable card pricing – Just 1.3% Flat Rate
The PayEasy SmartRate Plan is designed for businesses that value simple, predictable pricing — especially where transaction values are consistently low. By combining fees into a clear, predictable pricing model, SmartRate helps growing businesses manage expenses more effectively and plan with confidence.
As a 100% Irish-owned payment provider, PayEasy offers secure, reliable card processing with transparent pricing and local customer support. With no hidden fees and pricing that adapts as your business grows, SmartRate delivers a smarter approach to payments for established and scaling businesses.
Predictable Pricing
Cost Predictability as You Scale
Secure & Reliable
Local Irish-based support team
Simple to get started
Apply online quickly
Complete a short online application — no paperwork or delays. We’ll review your details fast so your SmartRate Plan can be activated without hassle.
Choose your setup
Select the payment solution that fits your business — in-store, online, or mobile — with flexible hardware options and easy integration.
Start processing with SmartRate
Accept card payments at predictable, flat-rate pricing — with no per-transaction fees or hidden charges.
Access funds efficiently
Get payouts when you need them with instant access options, helping you manage cash flow and reinvest in your business immediately.
Best suited for businesses that want predictable transaction costs!
Cafés and restaurants
Cafés and food businesses with frequent low-value transactions benefit from simplified, predictable pricing — even during busy periods.
Retailers and boutiques
Simplified pricing and flexible terminals make it easy to accept payments in-store, online, or on the move.
Service providers and salons
SmartRate supports growing businesses with reliable, transparent fees and instant access to funds.
Online and omnichannel sellers
Maintain control over payment costs with consistent rates across multiple sales channels as your business scales.
Not sure if this plan is right?
The SmartRate Plan is perfect for many growing businesses, but if transaction volumes are lower or simplicity is the priority, another service may be a better fit.
If your average card payment is higher, our Pay&Go plan may offer lower overall costs thanks to its low percentage rate and simple per-transaction fee.
- Pay & Go is ideal for businesses starting out or processing lower volumes, offering simple, low-cost rates with no long-term commitment.
- EnterprisePlus provides fully tailored pricing and advanced support for high-volume, multi-location, or complex businesses that need more customization and dedicated account management.
Our team can help you compare plans and choose the service that best aligns with your current business needs — and supports your growth into the future.
Who is the SmartRate Plan for?
The SmartRate Plan is built for growing and established Irish businesses that want simple, predictable card processing costs as their transaction volumes increase. It's particularly suited to businesses with frequent, lower-value transactions — like cafés, restaurants, retailers, and salons — since a flat rate makes budgeting easier than a percentage-based fee that fluctuates with average transaction size. If you're scaling across multiple terminals, locations, or sales channels and want one consistent rate to plan around, SmartRate is designed for that.
How much does the SmartRate Plan cost?
The SmartRate Plan charges a flat 1.3% per card transaction, with no separate per-transaction fees or hidden charges. It includes secure, PCI-compliant processing for in-store, online, and mobile sales, flexible setup across multiple terminals and devices, and local Irish-based customer support. Exact suitability depends on your average transaction value and processing volume — businesses with higher-value transactions may save more on the Pay&Go plan instead, so the PayEasy team can help confirm which plan works out cheaper for your business.
Quick Overview
PayEasy’s SmartRate Plan offers Irish businesses a flat 1.3% card processing rate with no hidden fees, designed for growing and established businesses that want predictable, easy-to-budget costs. It’s best suited to businesses with frequent, lower-value transactions, such as cafés, restaurants, retailers, and salons, and supports in-store, online, and mobile payments through flexible terminal and integration options. The plan includes PCI-compliant security, local Irish-based support, and efficient access to funds to help manage cash flow. Businesses with higher-value transactions may find the Pay&Go plan more cost-effective, while high-volume or multi-location businesses may be better suited to EnterprisePlus.
