Our merchant services and payment processing solutions empower businesses to accept payments with confidence — so you can focus on what matters most, your customers.
*Zero processing fees available through our Dual Pricing Program. Terms and conditions apply.
**Chargeback Guarantee covers qualifying transactions processed through Ireland Pay. Subject to program terms.
What We Offer
From point-of-sale systems to advanced fraud prevention, we provide everything you need to accept payments with confidence.
We ensure your business has access to industry-leading fraud prevention and security tools, keeping financial data safe from attack. Our solutions include end-to-end encryption, tokenization, and real-time transaction monitoring to detect suspicious activity before it results in a loss. Every merchant account comes with full PCI DSS compliance support, so you meet all card network security requirements without the complexity.
Optimized interchange rates for B2B and government transactions through enhanced data processing. By submitting additional transaction details — including tax amounts, customer codes, and purchase order numbers — your business qualifies for lower interchange rates from Visa and Mastercard. This can reduce processing costs significantly for businesses that primarily serve other businesses or government agencies.
Advanced risk assessment tools to identify and mitigate potential threats before they impact your business. Our platform provides real-time monitoring, automated alerts, and transaction-level analysis to flag unusual patterns. Whether it's a spike in declined transactions or suspicious authorization attempts, you'll know about it immediately so you can take action and protect your revenue.
Protection against costly chargebacks with our guarantee program, covering qualifying transactions so you don't absorb the loss. Chargebacks can cost merchants an average of $190 per dispute when you factor in fees, lost merchandise, and operational time. Our program gives you peace of mind by shifting that risk — letting you focus on running your business instead of fighting disputes.
A dedicated account manager who knows your business inside and out. Unlike large processors where you're routed to a different agent every time, your Ireland Pay account manager is a single point of contact for onboarding, troubleshooting, statement reviews, and optimization. We answer the phone — no automated menus, no ticket queues, no waiting days for a response.
From countertop terminals to mobile card readers, accept payments anywhere — face to face, on the go, or online through our gateway solutions. Our systems support EMV chip cards, contactless payments including Apple Pay and Google Pay, magnetic stripe, and PIN debit. We offer both purchase and lease options with full setup, training, and ongoing technical support included.
Eliminate Processing Fees
Our cash discount program empowers merchants to provide two distinct transaction amounts — one for cash, one for card — eliminating credit card processing fees entirely.
Merchant processing fees are balanced by the revenue collected from customers who opt to pay by card, while cash customers receive a discount.
Our technology displays two distinct prices on both the terminal and pin pad, ensuring complete transparency and legal compliance.
Receive training materials, customer notification signage for your checkout area, and dedicated support to set your team up for success.
What Our Merchants Say
Hear from merchants who have eliminated processing fees and improved their bottom line with Ireland Pay.
"Switching to Ireland Pay's Dual Pricing Program was the best decision we made this year. Our customers understand the two-price model, and we've completely eliminated our processing fees."
"The personal account manager makes all the difference. When I have a question, I call and get a real person who knows my business. That's something you don't get with the big processors."
"We process a high volume of B2B transactions, and Ireland Pay's Level II processing has significantly reduced our interchange costs. The chargeback guarantee gives us peace of mind."
Our Mission
We are on a mission to empower people with simple, safe, and profitable payment processing technology — driving our greater purpose of improving communities through our Swipe a Card, Change a Life initiative.
Taking payments shouldn't be complex. We make it easy to accept payments through our leading technologies so you can work smarter, not harder.
Financial data is always at risk of attack. We ensure our merchants have access to the most reliable fraud prevention and security tools on the market.
Your bottom line is our priority. We offer programs that guarantee savings or eliminate processing costs, helping make your business more profitable.
Leadership
CEO
Ireland Pay®
Wilfredo is a hands-on sales leader with deep roots in merchant services and payment processing. He works directly with business owners to understand their challenges, structure the right solutions, and ensure every merchant relationship delivers real results. His passion for face-to-face partnership drives Ireland Pay's reputation for service that the big processors simply can't match.
Chair, CEO & Chief Designer
kathy ireland® Worldwide
Kathy Ireland leads one of the most powerful brands in the world, kathy ireland Worldwide, valued at over $3.1 billion. As Ireland Pay's brand ambassador, she brings her commitment to excellence and philanthropy to every aspect of the partnership, ensuring the highest standards of service and social responsibility.
CEO
Ireland Pay®
Jake brings a rare combination of sales leadership, software development, and operations expertise to Ireland Pay. He stays on the cutting edge of payment technology — from cloud-based POS platforms to contactless and dual pricing systems — and translates that into practical solutions merchants can deploy today. When he's not building the tech stack, he's closing deals and onboarding accounts firsthand.
Giving Back
Every transaction makes a difference.
Together with our ambassador Kathy Ireland, we proudly donate a portion of every transaction fee collected to non-profit organizations that improve our communities — including foundations supporting children's health, education access, and family welfare.
Being tied to kathy ireland® Worldwide means we hold ourselves to a higher standard of excellence, philanthropy, and dedication to bringing the best-in-class solutions and services to every customer. When you process with Ireland Pay, your business is contributing to meaningful change with every swipe.
Partner With Us
Common Questions
Get answers to the most common questions about our merchant services, dual pricing, and payment processing solutions.
Dual pricing is a payment processing model that displays two distinct transaction amounts at the point of sale — a cash price and a card price. Customers who pay with cash receive the lower price, while the card price includes a small percentage that offsets the merchant's credit card processing fees. Unlike surcharging, which adds a fee on top of an advertised price, dual pricing presents both prices upfront. This model is legal in all 50 US states and is supported by Visa, Mastercard, and all major card networks when implemented with proper signage and transparent terminal displays.
Zero-fee processing is achieved through Ireland Pay's Dual Pricing Program. Instead of the merchant absorbing credit card processing costs — which typically range from 2.5% to 3.9% of each transaction — the program automatically calculates and displays two prices. The difference between the cash price and the card price covers the interchange and processing fees. This means the merchant pays zero processing fees on card transactions while remaining fully transparent and compliant. Cash-paying customers benefit from the lower price, creating a win-win for both the merchant and the consumer.
Level II processing is an enhanced data submission standard for B2B (business-to-business) and government credit card transactions. By including additional transaction data — such as sales tax amounts, customer reference codes, and purchase order numbers — merchants qualify for lower interchange rates from card networks like Visa and Mastercard. The savings can be substantial, often reducing interchange fees by 0.5% to 1.0% per transaction. Level II processing is especially valuable for wholesale distributors, manufacturers, professional services firms, and any business that regularly invoices other businesses or government agencies.
Ireland Pay's chargeback guarantee is a protection program that covers qualifying merchants against financial losses from fraudulent chargebacks. When a customer disputes a legitimate transaction and the card issuer reverses the charge, the guarantee program covers the cost so the merchant does not lose revenue. The average chargeback costs merchants approximately $190 when factoring in the transaction amount, chargeback fees, and operational time spent on disputes. Our program shifts that risk away from your business. Terms and conditions apply based on transaction type and the fraud prevention measures in place.
Next-day funding means that funds from your processed credit and debit card transactions are deposited into your business bank account by the next business day. Many payment processors hold funds for 2 to 3 business days, which can create cash flow challenges for small and mid-size businesses. Ireland Pay guarantees next-day funding so you can pay vendors, cover payroll, and reinvest in your business faster. This applies to transactions batched by the daily cutoff time, with funds typically arriving before noon the following business day.
Yes, dual pricing is legal in all 50 US states. It is distinct from surcharging, which has varying state-by-state regulations. Dual pricing works by displaying two prices — a regular (card) price and a discounted cash price — rather than adding a surcharge fee on top of an advertised price. This distinction is important because several states restrict or prohibit credit card surcharges, but cash discount and dual pricing programs are permitted nationwide. Major card networks including Visa and Mastercard permit dual pricing when merchants display proper point-of-sale signage and use terminals configured to show both prices clearly.
Ireland Pay provides a full range of point-of-sale solutions tailored to your business type. We offer countertop terminals for retail and restaurant environments, mobile card readers for service businesses and field operations, and online payment gateway integrations for e-commerce. All hardware supports EMV chip cards, contactless payments (Apple Pay, Google Pay, Samsung Pay), magnetic stripe, and PIN debit transactions. We offer both purchase and lease options, and every setup includes full onboarding, staff training, and customer notification signage for your checkout area.
The savings depend on your monthly card processing volume and current rates, but they can be significant. A business processing $50,000 per month in credit card transactions at an average rate of 3% is paying approximately $1,500 per month — or $18,000 per year — in processing fees. With Ireland Pay's Dual Pricing Program, those fees are offset entirely, putting that money back into your business. We offer a free, no-obligation rate check: send us a recent processing statement and we'll show you exactly how much you could save.
Get In Touch
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5000 SW 75th Ave
Suite 131
Miami, FL 33155
Discover how Ireland Pay can save you money. Send us a recent processing statement and we'll show you exactly how much.