Already with a bank or Dojo? Here's the honest comparison.
Most Irish SMEs are on a bank-branded acquirer or a 12-month fintech contract, plus a separate POS and loyalty vendor. We've laid the published facts side by side. Where a provider doesn't publish a number, we say so rather than guess.
| AonTap | BOI Payment Acceptance | AIB Merchant Services | Elavon | Dojo | |
|---|---|---|---|---|---|
| Contract | 30-day rolling | 12–36 months typical | 12–36 months typical | 24–36 months typical | 12 months minimum on lower volumes |
| Settlement | Next business day | Next day | Next-day funding stated | 1–3 days | Next day incl. weekends |
| Offline payments | ✓ | Varies | Varies | Varies | No |
| Tap to Pay on iPhone | ✓ | — | — | — | Dojo app |
| POS included | ✓ restaurant & retail | No | Clover apps | No | No; 600+ integrations |
| Loyalty included | ✓ card-linked | No | No | No | No |
| Digital receipts & impact | ✓ | No | No | No | No |
| Support | 7 days, named person, Ireland | Business hours | Business hours | 24/7 helpdesk | 7 days |
Competitor figures are from providers' published pages and independent Irish reviews (cards.ie, compayre.ie, mobiletransaction.org) as of October 2026 and may have changed. BOI Payment Acceptance, AIB Merchant Services, Elavon and Dojo are trademarks of their owners and are not affiliated with AonTap. Always check your own contract.
Keep trading throughout
Your new terminals arrive before the old ones go back. No gap, no re-training; the POS is on the same screen.
What changes, provider by provider
From BOI Payment Acceptance
BOIPA (an EVO/Global Payments joint venture with Bank of Ireland) typically bundles a multi-year terminal lease. On AonTap your settlement still lands in your BOI account next business day; the POS comes with the terminal.
From AIB Merchant Services
AIBMS (with Fiserv) runs Clover terminals. AonTap's Android terminals run the POS, loyalty and receipts, with no multi-year term. Settlement to your AIB account is unchanged.
From Elavon
Elavon contracts in Ireland are commonly 24–36 months. We move you to 30-day rolling. Your Elavon terminal goes back; your menu and products come across in the onboarding call.
From Dojo
Dojo is a good modern product. The differences are the 12-month minimum on lower volumes, offline payments, and the software: Dojo integrates with POS vendors; AonTap includes the POS, loyalty and receipts in the plan.
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Settlement by the licensed acquiring partner directly to your bank; typically next business day. Competitor information is provided for comparison only and was accurate to the best of our knowledge at the date shown.