Square Fee Calculator

Enter your transaction amount. See your exact Square fee and net take-home — for in-person, online, keyed, invoice, or ACH payments, using current 2026 rates.

No sign-up. No email. Nothing stored. Rates current as of April 2026.

Calculate your fee
$
Gross transaction $100.00
Square fee (2.6% + $0.10) −$2.70
You receive $97.30
In-person: 2.6% + $0.10 per successful charge
Quick reference — in-person
Transaction Square fee You keep
Assumes in-person card-present processing at 2.6% + $0.10.

How Square fees actually work

Square uses different rates depending on how the card was entered. Physically presenting the card to a Reader or Register is the cheapest; typing it in manually costs the most. The formula is always:

fee = (amount × rate%) + fixed

A $100 in-person sale at 2.6% + $0.10 costs $100 × 0.026 + $0.10 = $2.70 in fees, leaving $97.30. The same sale taken online at 2.9% + $0.30 would cost $3.20.

Current Square rates (2026)

Payment type Rate Notes
In-person (Reader / Register) 2.6% + $0.10 Card dipped, tapped, or swiped. Square's cheapest rate.
Online / e-commerce (Square Online, checkout) 2.9% + $0.30 Card-not-present via online checkout or hosted payment link.
Manually keyed (typed into POS) 3.5% + $0.15 Card-not-present, higher fraud risk, higher rate.
Square Invoice (paid by card online) 3.3% + $0.30 When a customer pays a Square Invoice via card.
ACH Bank Transfer (invoice) 1% ($1 min) For US bank account payments on invoices.
Chargeback / dispute fee $0 Square does not add a per-dispute fee. Seller Protection covers up to $250/month.
Instant Transfer (optional) 1.75% Optional same-day payout to your linked debit card.
Heads up: Certain industries, regulated verticals, and custom-pricing accounts can have different rates. Gift card transactions, Cash App Pay, and Afterpay have their own schedules. Always verify at squareup.com/us/en/pricing before making decisions.

Worked examples at common transaction sizes

The fixed $0.10 in-person fee is much gentler on small transactions than Stripe's or PayPal's fixed fees. On a $5 in-person sale, Square keeps 4.6% — vs 9% on Stripe for the same transaction.

Gross In-person (2.6% + $0.10) Online (2.9% + $0.30) Keyed (3.5% + $0.15)
$5.00$0.23 (4.60%)$0.45 (9.00%)$0.33 (6.50%)
$10.00$0.36 (3.60%)$0.59 (5.90%)$0.50 (5.00%)
$25.00$0.75 (3.00%)$1.03 (4.12%)$1.03 (4.10%)
$50.00$1.40 (2.80%)$1.75 (3.50%)$1.90 (3.80%)
$100.00$2.70 (2.70%)$3.20 (3.20%)$3.65 (3.65%)
$500.00$13.10 (2.62%)$14.80 (2.96%)$17.65 (3.53%)
$1,000.00$26.10 (2.61%)$29.30 (2.93%)$35.15 (3.52%)
$5,000.00$130.10 (2.60%)$145.30 (2.91%)$175.15 (3.50%)

Square's unique features worth knowing

  • No chargeback fees. Unlike Stripe ($15/dispute) and PayPal ($20/dispute), Square doesn't charge per-dispute fees. Their Seller Protection policy absorbs eligible disputed transactions up to $250 per month. For high-dispute businesses, this alone can swing the math.
  • Hardware costs. In-person processing requires Square hardware: a free magstripe Reader, a $49 contactless+chip Reader, a $299 Stand, or a $1,099 Register. Hardware is a one-time cost but separate from processing fees.
  • No monthly fees on the base plan. Square Free has no monthly subscription — you pay only per-transaction. Square Plus ($29/mo) and Premium add features like advanced inventory, loyalty, and team management.
  • Instant Transfer isn't standard payout. Standard next-business-day deposits are free. Instant Transfer (same-day to a debit card) is 1.75% on top.
  • Invoice split: 3.3% + $0.30 applies only when the invoice is paid via card. If paid via ACH bank transfer, it's the 1% ACH rate — much cheaper for large B2B invoices.
  • Cash App Pay. Square owns Cash App. Cash App Pay on Square runs at 2.9% + $0.30 (online) or 2.6% + $0.10 (in-person) — same as card rates, usually.
  • International limitations. Square doesn't process international cards in the US the way Stripe does. Cross-border e-commerce is a weak spot.

Square vs Stripe vs PayPal fees

Square wins on in-person (2.6% + $0.10 is the lowest headline rate among the three) and on dispute handling (no per-chargeback fees). Stripe wins on online flexibility and international processing. PayPal wins on buyer trust but has the highest headline rates.

Stripe

2.9% + $0.30 · US card
Calculate Stripe fees →

Square

2.6% + $0.10 · in-person
Current page

PayPal

3.49% + $0.49 · Checkout
Calculate PayPal fees →

Head-to-head

Compare all three at your volume
Open comparison →

Ready to accept payments with Square?

If the fee math above works for your business, Square is one of the fastest ways to open a merchant account — especially for in-person and invoicing.

Start with Square Consider Shopify Consider PayPal Stripe pricing (direct)

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Frequently asked questions

What are Square's transaction fees in 2026?
Square charges 2.6% + $0.10 for in-person, 2.9% + $0.30 for online and e-commerce, 3.5% + $0.15 for manually keyed (card-not-present typed entries), and 3.3% + $0.30 for Square Invoices paid by card.
Does Square charge a chargeback fee?
No per-dispute fee. Square's Seller Protection absorbs eligible disputes up to $250/month. This is a material difference from Stripe ($15/dispute) and PayPal ($20/dispute) for high-volume merchants.
Why is the keyed-in rate higher?
Manually typed card entries are treated as card-not-present by the card networks, which carry higher interchange and fraud costs. That's why keyed entries cost 3.5% + $0.15 vs 2.6% + $0.10 for dipped/tapped cards.
What's the ACH rate on Square Invoices?
1% per transaction (min $1). On a $5,000 B2B invoice, that's $50 via ACH vs $145.30 if paid by card. For large-ticket invoices, always prefer ACH if your customer will authorize it.
Does Square process international cards?
Limited support. Square is primarily a domestic US/UK/CA/AU/JP processor — cross-border e-commerce is better served by Stripe. If a large portion of your customers pay with non-US cards, compare Stripe's international + currency conversion rates in our Stripe calculator.
Is this calculator affiliated with Square?
No. netfee.io is independent. We participate in Square's affiliate program via Impact.com — if you click through to Square from this page and sign up, we may earn a commission. This doesn't influence the rates we publish.