AIB charge €190 to open an ecommerce merchant account + you need the site live(plus full page of refund policy, shipping, terms and conditions, etc.), full investment details and a detailed three year business plan...
The registration fee will be €190, this is just a once of payment. The merchant service charge will be 2.5% for all credit card transactions and 25cents for all debit card transactions. If your MSC & Laser transactions combined do not equal €30 per month then you will be charged a minimum monthly fee of €30.
Then on top of that, Realex will charge a whopping €249 for the basic gateway ability.... In all fairness to Sagepay, they're a lot more reasonable on the fixed costs (free setup fees)...