SellerFeeCheck

Square fee calculator (US)

Rates checked against Square's fee pages on October 20, 2026 · Not affiliated with Square

On Square's Free plan a card payment in person costs 2.6% + $0.15, online or by invoice 3.3% + $0.30, and a card typed in 3.5% + $0.15. Plus and Premium lower the in-person and online rates for a monthly fee. A card issued outside the US adds 1.5%.

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An estimate from Square's published rates; your Square Dashboard is final. Not affiliated with Square. Your entries stay in this browser. Nothing is sent to our servers.

How much does Square charge on $100?

Square's fee on the Free plan, by how the customer pays:

PaymentIn personOnlineTyped in
$10$0.41$0.63$0.50
$25$0.80$1.13$1.03
$50$1.45$1.95$1.90
$100$2.75$3.60$3.65
$500$13.15$16.80$17.65
$1,000$26.15$33.30$35.15

Plus ($49 a month per location) lowers in person to 2.5% + $0.15 and online to 2.9% + $0.30; Premium ($149) lowers in person to 2.4% + $0.15.

How it works

Square charges a percentage of each payment plus, for card payments, a fixed fee. The rate depends on how the customer pays and on your plan. On Square Free it is 2.6% + $0.15 for a card in person, 3.3% + $0.30 for a card online or on an invoice, 2.9% + $0.30 through the payments API, and 3.5% + $0.15 for a card typed in or kept on file. Plus ($49 a month per location) lowers in-person cards to 2.5% and online cards to 2.9%; Premium ($149) lowers in-person cards to 2.4%. Afterpay is 6% + $0.30 on every plan. ACH bank transfers are 1% with a $1 minimum, capped at $5 through the API and at $10 on an invoice with Plus or Premium; the pricing page shows no cap for invoices on Free. A card issued outside the US adds 1.5%. You keep the payment minus these fees; plan fees are charged monthly, not per payment.

Worked examples

  1. A $100 card payment in person on Square Free: 2.6% × $100 = $2.60, plus $0.15: $2.75 in fees. You keep $97.25. If the card was issued outside the US, 1.5% more ($1.50) leaves $95.75.
  2. A $100 online card payment: $3.30 + $0.30 = $3.60 on Free, $2.90 + $0.30 = $3.20 on Plus. The 0.4% difference covers Plus's $49 monthly fee once a location takes about $12,250 a month online.
  3. A $2,000 invoice paid by ACH bank transfer: 1% = $20.00 on Square Free, which shows no cap for invoices, but capped at $10.00 on Plus or Premium.

Common questions

How much does Square charge per transaction?

On the Free plan: 2.6% + $0.15 for a card in person, 3.3% + $0.30 for a card online or on an invoice, and 3.5% + $0.15 for a card typed in. On $100 that is $2.75, $3.60 or $3.65.

Is Square Plus worth it for the lower rates?

Only at volume. Plus costs $49 a month per location. It saves 0.1% on in-person cards, so it pays for itself above about $49,000 a month in person, and 0.4% on online cards, about $12,250 a month online. It also includes other features this calculator does not price.

Does Square charge more for international cards?

Yes. A card issued outside the United States adds 1.5% of the payment on every plan, on top of the normal rate.

How much is Square's ACH fee?

1% of the payment with a $1 minimum. Through the payments API it is capped at $5. On an invoice it is capped at $10 with Plus or Premium; Square's pricing page shows no cap for invoices on the Free plan.

How much should I charge to receive a set amount?

Switch the calculator to 'Amount to ask for' and enter what you want to keep. It finds the smallest payment that leaves you at least that much after Square's fees for your plan and payment method.

What does this calculator leave out?

Plan monthly fees in each payment, hardware, payroll, gift card loads, bitcoin, EBT, Instant Payouts, chargebacks and custom rates. It uses Square's US pricing page.

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