Square Fee Calculator
See what Square charges for each way a customer can pay, on the Free and Plus plans, and compare in-person, online and keyed-in fees for the same sale.
Square Fee Calculator
Rates from Square's US pricing page, checked 22 October 2026. Calculated on this page; nothing is sent anywhere.
Calculated in your browser from published fee schedules. Nothing is sent anywhere.
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How it works — in four simple steps
No signup and nothing to install — it all runs in your browser.
Choose a plan
Free or Plus.
Pick how the customer pays
In person, online, keyed and so on.
Enter the amount
The total the customer pays.
Compare
See the fee, what you receive, and the other methods.
Keyed-in cards cost the most. Send a payment link instead when the customer isn't in front of you.
Features
Free and Plus plans
Both rate cards, side by side.
Every payment method
In person, online, keyed, ACH invoices and Afterpay.
Method comparison
The same sale under every method in one table.
Reverse calculation
What to charge to receive an exact amount.
Fee ladder
Fees from $5 to $1,000.
About the Square Fee Calculator
Square charges a flat rate per payment that depends on how the card is taken. On the US Free plan, tapping, dipping or swiping a card costs 2.6% + 15¢. Online payments through Square Online or checkout links cost 3.3% + 30¢. A manually keyed card, or a card on file, costs 3.5% + 15¢. Invoices paid by ACH bank transfer cost 1% with a $1 minimum, and Cash App Afterpay costs 6% + 30¢.
The paid Plus plan lowers two of those rates: in person to 2.5% + 15¢ and online to 2.9% + 30¢, and it caps ACH invoices at $10. Whether Plus pays for itself depends on your volume and the subscription price for your business type. Enter your typical sale under both plans to see the difference per payment.
Below the result, the calculator shows the same sale under every payment method, which makes it clear why keyed-in payments cost the most. They carry the highest fraud risk because the card isn't present. As with most processors, Square keeps its fee when you refund.
Examples
Square US processing fees (checked 22 October 2026)
| Payment | Free plan | Plus plan |
|---|---|---|
| Tap, dip or swipe (in person) | 2.6% + $0.15 | 2.5% + $0.15 |
| Online (Square Online, checkout links) | 3.3% + $0.30 | 2.9% + $0.30 |
| Manually keyed or card on file | 3.5% + $0.15 | 3.5% + $0.15 |
| Invoice paid by ACH bank transfer (1%, $1 min) | 1% | 1% |
| Cash App Afterpay | 6% + $0.30 | 6% + $0.30 |
ACH invoices: $1 minimum; Plus caps them at $10. Source: Square pricing.