Square Fee Calculator 2025 - Calculate Square Payment Processing Fees

💳

Lowest Square Rate!

In-person payments have the lowest fees at 2.6% + $0.10.

🛡️

Free Chargeback Protection!

Square covers chargeback fees - you won't pay $15-$25 per dispute like other processors!

Payment Amount

$

Amount you'll charge

Your Cost (Item/Service)

$

What you paid for the item/service

Other Costs

$

Shipping, packaging, etc.

Transaction TypeIn-Person (Tap/Chip/Swipe) - 2.6% + $0.10Online - 2.9% + $0.30Invoice - 3.3% + $0.30Manually Keyed - 3.5% + $0.15ACH Bank Transfer - 1% ($1 min)

Instant Deposit (1.75%)

Next-day deposits are FREE

Total Square Fees

$2.70

2.70% of payment

You Receive

$97.30

After Square fees

Your Profit

$72.30

72.30% margin

ROI (Return on Investment)

361.50%

On $20.00 investment

Effective Fee Rate

2.70%

All fees combined

Fee Breakdown

Percentage Fee (2.60%)$2.60

Fixed Fee$0.10

Total Square Fees$2.70

Profit Calculation

Payment Amount$100.00

- Square Fees$2.70

= Net Revenue$97.30

- Item/Service Cost$20.00

- Other Costs$5.00

= Profit$72.30

Compare Square Transaction Types

Transaction Type	Fee Rate	Fees on $100.00	You Receive
In-Person (Tap/Chip)	2.6% + $0.10	$2.70	$97.30
Online	2.9% + $0.30	$3.20	$96.80
Invoice	3.3% + $0.30	$3.60	$96.40
Manually Keyed	3.5% + $0.15	$3.65	$96.35
ACH Bank Transfer	1% ($1 min)	$1.00	$99.00

Square Hardware

Hardware	Price
Square Reader (magstripe)	FREE (first one)
Square Reader (contactless)	$59.00
Square Stand	$149.00
Square Terminal	$299.00
Square Register	$799.00

💡 Square Tips

• In-person (tap/chip/swipe): 2.6% + $0.10

• Online payments: 2.9% + $0.30

• Invoices: 3.3% + $0.30

• Manually keyed: 3.5% + $0.15

• NO monthly fees or contracts

• FREE chargeback protection (Square covers disputes!)

• Next-day deposits included free

• First card reader is FREE

Square Fee Structure 2025

Square offers simple, transparent pricing with no monthly fees and free chargeback protection!

Square Transaction Fees

Transaction Type	Percentage	Fixed Fee	Total on $100
In-Person (Tap/Chip/Swipe)	2.6%	$0.10	$2.70
Online	2.9%	$0.30	$3.20
Invoices	3.3%	$0.30	$3.60
Manually Keyed	3.5%	$0.15	$3.65
ACH Bank Transfer	1%	$0	$1.00 (min)
Afterpay/BNPL	6%	$0.30	$6.30

Square vs Other Payment Processors

Processor	In-Person	Online	Chargebacks	Monthly Fee
Square	2.6% + $0.10	2.9% + $0.30	FREE	$0
Stripe	2.7% + $0.05	2.9% + $0.30	$15	$0
PayPal	2.29% (QR)	3.49% + $0.49	$20	$0
Clover	2.3% + $0.10	3.5% + $0.10	$25	$14.95+

Square Fee Examples

Sale Price	In-Person	Online	Invoice	You Receive (In-Person)
$25	$0.75	$1.03	$1.13	$24.25
$50	$1.40	$1.75	$1.95	$48.60
$100	$2.70	$3.20	$3.60	$97.30
$250	$6.60	$7.55	$8.55	$243.40
$500	$13.10	$14.80	$16.80	$486.90
$1,000	$26.10	$29.30	$33.30	$973.90

Square Hardware Options

Hardware	Price	Best For
Square Reader (magstripe)	FREE (first one)	Basic card acceptance
Square Reader (contactless)	$59	Tap payments, Apple Pay
Square Stand	$149	iPad POS system
Square Terminal	$299	All-in-one portable
Square Register	$799	Full countertop POS

Why Choose Square?

Pros

• ✅ Free chargeback protection - huge advantage!
• ✅ No monthly fees or contracts
• ✅ Free next-day deposits
• ✅ First card reader FREE
• ✅ Full POS system included
• ✅ Inventory management
• ✅ Employee management

Cons

• ❌ Higher online rates than Stripe (2.9% vs 2.9% same, but Stripe has lower international)
• ❌ Account holds possible for new accounts
• ❌ Limited international support
• ❌ Invoice rates are higher (3.3%)

Best Use Cases for Square

Retail & Restaurants

• In-person: 2.6% + $0.10 is competitive
• Full POS features included
• Inventory tracking
• Employee management

Service Businesses

• Send invoices (3.3% + $0.30)
• ACH for larger jobs (1% min $1)
• Appointment scheduling
• Customer directory

Online Selling

• E-commerce: 2.9% + $0.30
• Payment links
• Square Online website builder

Events & Pop-ups

• Portable readers
• Offline mode available
• Quick setup

Square for Resellers

Square is great for resellers who:

• Sell in-person at markets, meetups, or shows
• Need a simple POS system
• Want free chargeback protection
• Accept cards at local meetups
• Need inventory tracking

For online-only reselling, consider Stripe for slightly better international rates.

ACH Bank Transfers - Best for Large Sales

For larger transactions (>$100), ACH can save money:

Amount	Card Fee (2.6% + $0.10)	ACH Fee (1%)	Savings
$100	$2.70	$1.00	$1.70
$500	$13.10	$5.00	$8.10
$1,000	$26.10	$10.00	$16.10
$5,000	$130.10	$50.00	$80.10

ACH is capped at 1% with a $1 minimum - great for B2B or high-ticket items!