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Square Fee Calculator

See what Square takes from a card payment, or what to charge so you receive a set amount. Pick your plan and how the card was taken; every rate is editable.

Rates reviewed November 13, 2026

Who this is for: Shops, market sellers and service businesses taking card payments with Square.By · Last reviewed November 13, 2026 · How it works

Your numbers

$

You receive

$97.25

Square feeYou receive
Square fee
$2.75
Effective rate
2.75%
Rate applied
2.6% + $0.15
Show the working
  1. Fee = 2.6% × $100.00 + $0.15 = $2.75

Estimates based on the assumptions shown. Platforms may charge differently for your account, category, or currency. Check your seller account for exact fees. Not financial or tax advice.

Quick answer

The Square Fee Calculator shows square fees for in-person, online, invoice, and keyed-in card payments on the Free, Plus, and Premium plans. How it works: Fee = rate × amount + fixed fee; Free plan: 2.6% + 15¢ in person, 3.3% + 30¢ online or invoice, 3.5% + 15¢ keyed. For example, with i want to set to See the fee on a payment, amount of $100, and square plan set to Square Free ($0/mo), the you receive is $97.25.

How to use the Square Fee Calculator

  1. Choose i want to.
  2. Enter amount.
  3. Choose square plan.
  4. Choose how the card was taken.
  5. Turn on or off card issued outside the US. +1.5%
  6. Open Assumptions and rates to change any rate or fee to match your account.
  7. Read you receive and the breakdown. Use Share to send the exact numbers, or Print to save a PDF.

How it's calculated

  • Fee = rate × amount + fixed fee
  • Free plan: 2.6% + 15¢ in person, 3.3% + 30¢ online or invoice, 3.5% + 15¢ keyed
  • Cards issued outside the US add 1.5%
  • To receive X, charge (X + fixed fee) ÷ (1 − rate)

Worked example

With i want to of See the fee on a payment, amount of $100, square plan of Square Free ($0/mo), how the card was taken of In person (tap, dip, swipe), and card issued outside the us of No:

You receive: $97.25. Square fee: $2.75.

Square Fee questions

How much does Square charge per transaction?

On the free plan, Square charges 2.6% + $0.15 in person and 3.3% + $0.30 online. Keyed-in cards cost 3.5% + $0.15.

How much does Square take from $100?

On the Free plan: $2.75 in person, $3.60 online or by invoice, and $3.65 if the card is keyed in. Plus and Premium lower the in-person and online rates.

Do Square invoices cost more than in-person payments?

Yes. A card paid through a Square invoice is charged at the online rate, 3.3% + 30¢ on the Free plan, versus 2.6% + 15¢ when the card is tapped, dipped or swiped.

Does Square have a monthly fee?

Square Free has no monthly fee. Plus and Premium are paid plans with lower processing rates; check Square's pricing page for the current monthly price before upgrading.

Is Square cheaper than Stripe or PayPal?

For in-person sales, usually yes. Online, Square's 3.3% + 30¢ on the Free plan is a bit higher than Stripe's 2.9% + 30¢. Compare with your own order sizes.

Sources

Last reviewed November 13, 2026. Platforms change fees; see the fee change log.