Interesting, we currently use Paypal but were always thinking about using Realex. It seems pricier than I thought looking at your comparison. If merchant accounts charge 3% per transaction that's almost the same as PayPal, and then there are the additional Gateway monthly charges too. Sounds like it would run more expensive than just using PayPal, am I reading this right? Btw the Paypal site says 3.4% not 3.9% unless I'm missing something.
Edit: Is the PayPal virtual terminal available for Irish accounts, I didn't know it existed but I can only find US only.