Rates checked Aug 2026
Square fee calculator
Square's rate depends on how you took the payment — tap at a craft fair is not the same as an invoice link. Enter your sale and see what actually lands.
Square's fees, and the date we last looked
Fees move. When they do, this table changes and the change gets logged — that's the whole maintenance promise, and it's why the number above is worth more than a two-year-old blog post.
| Fee | Rate | Charged on | Changed |
|---|---|---|---|
| In-person payments | 2.6% + $0.10 | Tap, dip, swipe at point of sale | Unchanged |
| Online / invoice | 3.3% + $0.30 | Keyed, invoice, or online checkout | Unchanged |
| Monthly fee | $0 | No subscription on standard pricing | Unchanged |
The awkward questions
Why is my fee higher than 2.6%?
You may have charged online, keyed the card manually, or taken an international card. Online and invoice payments use the 3.3% + $0.30 schedule. Switch the channel dropdown above to match how you actually charged.
Does Square charge for instant transfer?
Instant transfers to a debit card can add 1.5% — not included here. This calculator shows processing on the sale itself.
We'll tell you when Square changes its fees.
Platforms change their cut quietly and you find out from a smaller payout. Pick the ones you sell on and you'll get one short email when a rate actually moves — what changed, and what it costs you per sale. Nothing else. No newsletter.
Roughly six emails a year, because that's roughly how often these fees move. Unsubscribe link in every one.