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AIB Merchant Services Review 2018

AIB Merchant Services is a payment processing provider based in Ireland and operating in both Ireland and England. It provides a range of payment processing solutions to its clients throughout Europe. As the merchant banking arm of the Allied Irish Bank, it has been providing merchant services for 30 years. Allied Irish Bank has a history that dates from 1825 and is one of the big four banks in Ireland.

AIB Merchant Account Services solutions include in-store payments using mobile and counter top terminals through its Clover brand; on-the-go payments through its Pogo brand; and online payments including e-commerce payment gateway and virtual terminal.

AIB Merchant Services ReviewRating
Ease of Use
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Products and Features

AIB merchant services are branded as Clover, Pogo and Authipay and refer to a POS payment system, mobile terminals, and payment gateway/virtual terminal solutions respectively. Peripheral services include Global Choice which allows customers to make payments using their own currency; Tax Free, a software tool to identify when customers are entitled to a VAT refund; and Insight, an online data management system.

POS SolutionsClover POS StationFully featured integrated POS solutionPrices provided on an individual basis
Pogo Mobile ReaderTake card payment on the go via your smartphone€100 set-up fee,
€10 per month
2.25% per transaction on credit cards
35c on debit cards.
Online payment processingAuthipay Payment GatewayHosted payment pages and API integrated solutions availableGateway Pricing from €21.99 inclusive of 300 transactions, additional transaction at 30c
Card processing fees from 3% per transaction on credit cards, 5c debit cards

POS Solutions

Clover POS Station

The Clover Station is an integrated POS (Point of Sale) system designed for in-store customer card processing, also known as face to face or customer present (CP) card processing. In addition to providing a comprehensive POS solution it can be pre-configured to include product listings so that it can be activated immediately. It provides a complete replacement for a cash till and PDQ machine. The system provides comprehensive reporting via the cloud allowing you to access your account by laptop or mobile.

Pogo Mobile Reader

The Pogo mobile card reader allows merchants to accept payments on the go. Pogo users are also provided with an iPhone or Android app which allows them to accept payments over their smartphones and tablets.

The system is easy to use and secure for both the merchant and the customer. It is an ideal solution for business such as taxi services and tradesmen that take payments on the go and for events such as trade shows.

Price: €100 set-up fee, €10 per month, 2.25% per transaction on credit cards; 35c on debit cards.

Online Payments

Authipay Payment Gateway

Authipay is designed to enable business to accept payments online and provides a solution that is both efficient and secure. It combines a merchant services account with a payment gateway. It is easy to set up and can be up and running within a day. It includes multi-currency settlement. The payment gateway can be integrated with most popular shopping carts. Additional software tools include APIs and Plugins supported by the Authipay Developer Centre. To use Authipay, customers must have a merchant account.

Pricing: There are no set-up fees and recurring charges range from €21.99 per month. Prices are detailed in the table.

FeesSmall BusinessMedium Sized BusinessCorporate
Monthly fee€21.99€50.00Variable
Included transactions3001000Variable
Cost per additional transaction€0.2€0.15Variable
Merchant Service Charge (MSC)Credit card: 3%
Debit card: €€0.005
Commercial: 2.5%
Credit card: 2.5%
Debit card: €€0.005
Commercial: 2.5%


A merchant account provided by a major bank isn’t the best solution for all merchants, and it is unlikely that AIB would provide a merchant account to high risk merchants, but for established merchants operating in low risk industrial and business sectors it is certainly worth looking at their details.

An advantage of AIT merchant services over other suppliers is the simple nature of their products. Everything is easy to understand and well presented. Certainly for businesses looking for a range of payment solutions AIB wold appear to be an attractive solution.

Next Steps

Choosing the best merchant services provider for your business isn’t an easy process as there are many things to consider. Generally pricing is available only on request and depends to a large extent on the nature and maturity of your businesses. However, by completing and submitting our web form, you will be connected to a range of top providers who have potential solutions tailored to your requirements.