Square Fee Calculator

Square Free-plan US online/invoice pricing is 3.3% + $0.30. Plus/API online is often 2.9% + $0.30. In-person tap/chip/swipe is 2.6% + $0.15. Use this calculator to compare channels and plans before you pick a checkout method.

See fees on common amounts

Built by Hammad Iqbal · Last reviewed 2026-11-07 · Fee data 2026.11.07

Not financial advice. These calculators use published fee schedules with last-verified dates. Providers change rates and apply custom pricing — confirm on the official provider site before setting prices or filing taxes. This site is not affiliated with Stripe, PayPal, Square, Venmo, Cash App, Zelle, Patreon, Ko-fi, Buy Me a Coffee, Gumroad, Shopify, or Wise.

Square card-present and online payment fees by plan and region.

How to use this Square fee calculator

1. Pick Free online, Plus/API online, in-person, keyed, UK, or Australia schedules.
2. Run forward or reverse calculations.
3. Check the fee table sources dated on this page.

How it’s calculated

fee = charge × percent + fixed; reverse charge = (net + fixed) ÷ (1 − percent).

Worked check on the default schedule: charge $100.00 → fee $3.60 → net $96.40. Reverse: to keep $100.00, charge about $103.72.

Worked example: $75 in-person US

At 2.6% + $0.15: fee = 75 × 0.026 + 0.15 = $2.10; net = $72.90.

Square fee schedules we track

Each row’s source link is the official page I checked on the date shown (RealFeeCalc-style “checked on pricing page” verification).

Online vs in-person Square fees

Online and invoice payments usually cost more than tap/chip/swipe because card-not-present risk is higher. If most of your volume is in a cafe or market stall, model the in-person schedule (2.6% + 15¢). If you email invoices on the Free plan, use 3.3% + 30¢. Keyed entry is typically the most expensive card-present style rate.

When Square beats shipping customers to PayPal

Square shines when hardware, POS, and online invoices live in one dashboard. Plus/API online often mirrors other 2.9% + $0.30 processors; Free-plan online is higher. Run identical order amounts through our Square, Stripe, and PayPal calculators before you migrate a stack.

Tips for pricing with Square

• Keyed-in cards usually cost more than dipped or tapped cards.
• Free-plan online (3.3% + 30¢) is not the same as Plus/API online (2.9% + 30¢).
• Square subscriptions and hardware are separate from per-transaction fees.

Common mistakes

• Comparing only online rates when most of your volume is in person.
• Assuming Free-plan online matches Stripe’s 2.9% + $0.30.
• Forgetting chargeback or dispute costs outside the base rate.

Square for retail and hybrid sellers

Square bundles POS hardware, inventory, and online checkout. Fee-wise, the important split is card-present vs card-not-present. Markets, food trucks, and salons should prioritize in-person rates; consultants emailing invoices should prioritize online rates. Keyed entry is a fallback when hardware fails — price it separately because it is usually the steepest card-present option.

International Square merchants

Square operates in multiple countries with different rate cards. This page includes UK and Australia online examples; always confirm Square’s pricing page for your legal entity. Currency and cross-border buyer cards can add costs beyond the domestic schedule.

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