Please note if the country where your business is registered is not listed, you will require a third party merchant account with one of our acquiring bank partners.

A merchant account is separate from your business account, set up with an acquiring bank, which enables you to accept payments by credit and debit card.

See a full list of our acquiring bank partners here


Terms And Conditions of Use

By using a Realex Payments site, you are deemed to have agreed to all terms, conditions, use, and notices contained or referenced herein (the "Terms and Conditions of Use"). Realex Payments reserves its right, at its discretion, to update or revise these Terms and Conditions of Use. You should check these Terms and Conditions of Use periodically for changes. By using a Realex Payments site after the posting of any changes to the Terms and Conditions of Use, you agree to accept those changes, whether or not you have reviewed them.

Scope of Use

These Terms and Conditions of Use apply to your use of all of the sites and services owned or operated by Realex Payments, and affiliated companies. Unless we say otherwise, all references to the Realex Payments sites in these Terms and Conditions of Use include all such sites. These Terms and Conditions of Use do not apply to your use of unaffiliated sites to which any of the Realex Payments’ sites only link.

Terms in Use

The term “Realex Payments” or “us” or “we” refers to Pay and Shop Limited, t/a Realex Payments, the owner of the website. The term “you” refers to the user or viewer of our website.


Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.

This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance, flash animation and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these Terms and Conditions of Use. All trademarks reproduced in this website, which are not the property of, or licensed to Realex Payments, are acknowledged on the website. Unauthorised use of this website may give to a claim for damages and/or be a criminal offence.


To provide increased value to users of our websites, we may include links to other websites or resources that are not part of Realex Payments or affiliated companies, for you to access at your sole discretion and risk. We are not responsible for the availability or content of any such sites or resources, and we do not endorse and shall not be responsible or liable, directly or indirectly, for the privacy practices of such websites, the content of these websites or resources or the use that others make of these websites or resources. You may not create a link to this website from another website or document without our prior written consent.

Copyright Notice

The copyright material available on this site is, unless otherwise specifically stated, the property of Realex Payments. The written consent of Realex Payments is required before this material or any part of it may be copied or adapted in any form or made available to the public by any method and any such consent is conditional upon appropriate acknowledgment being given.

You are permitted to:
  • browse this material;
  • print or download to a local hard disk extracts for your personal and non-commercial use only;
  • copy the content to individual third parties for their personal use, but only if you acknowledge the website as the source of the material.

You may not, except with our express written permission, distribute or commercially exploit the content. Nor may you transmit it or store it in any other website or other form of electronic retrieval system.

Applicable Law

These Terms and Conditions of Use and any disputes, claims or proceedings arising out of or in any way relating to these Terms and Conditions of Use shall be governed by the laws of the Republic of Ireland. The Irish courts shall have exclusive jurisdiction for the purpose of any proceedings arising out of or in any way relating to these Terms and Conditions of Use.

Your Acceptance of these Terms and Conditions of Use

By using any of the Realex Payments sites, you acknowledge that you have read, understood, and agree to be bound by the Terms and Conditions of Use. Please review the site's Terms and Conditions of Use, and if you do not agree to the terms therein, do not use our sites.