US Square Fee Calculator

Square does not use one rate for every transaction. On the three plans modeled here, the plan changes the in-person rate and can change the online or invoice card rate. The payment method determines whether Square applies a percentage, a fixed fee, or an ACH minimum and cap.

These US rates were checked against the official Square fee guide and Square pricing page. If your Dashboard shows legacy or negotiated pricing, use your account rate instead of this estimate.

Automated checks cover published plan rates, worked examples, ACH minimums and caps, international-card eligibility, cent rounding, reverse results, monthly software fees, and plan break-even behavior.

For a $100 tap, dip, or swipe payment on Square Free, the estimated fee is $2.75: 2.6% of $100, plus $0.15. Your net payout is $97.25. The percentage gets most of the attention, but the fixed charge matters more when your average ticket is small.

A coffee counter, farmers market booth, or food truck with lots of $10 sales has a higher effective fee rate than a service business taking an occasional $1,000 payment at the same published rate. The calculator shows that effective rate so you can compare the real impact on each sale.

A Square invoice paid by card follows the online or invoice card rate. An ACH bank transfer uses 1% with a $1 minimum. ACH through an invoice is capped at $10 on Square Plus and Premium; Square Free does not list that invoice ACH cap. ACH through the Square API has a $1 minimum and a $5 cap on all three plans.

That makes the payment method especially important for freelancers, contractors, consultants, and other service businesses sending larger invoices. The examples below use Square Free published pricing; settlement timing, customer preference, and account-specific terms still matter alongside the fee.

The reverse fee result answers a different question: how much should you charge so the net payout reaches your target after Square processing fees? Enter the amount you want to keep and use the displayed “Charge the customer” result for the selected plan and payment method. For a provider-neutral model with several fee lines, use the reverse fee calculator.

The calculator searches for the smallest whole-cent charge that reaches the target. That matters for a fixed fee and around an ACH minimum or cap, where dividing by one minus the percentage can miss the correct cent-level result.

The cheapest Square payment method is not universal. A restaurant or retail counter may care most about in-person fees and the fixed charge on a typical ticket. A freelancer may compare invoice card payments with ACH. A service business taking cards by phone needs the manually entered rate, not the tap, dip, or swipe rate.

Keep the dollar amount and plan unchanged, then switch the payment method in the calculator. That side-by-side check is more useful than comparing headline percentages from different transaction types.

The monthly cost lab above combines monthly sales, average ticket, payment-channel mix, and location count. It estimates processing fees transaction by transaction, adds the published $49 per-location Square Plus fee or $149 per-location Square Premium fee, and highlights the lowest estimated plan for that scenario.

The break-even results show the approximate monthly volume where Plus catches Free and where Premium catches Plus under the mix you entered. The online-card comparison applies the same volume and ticket size to Square, Stripe, and PayPal. Open the Stripe fee calculator or PayPal fee calculator to inspect each provider's supported fees and exceptions before making a decision.

First, confirm how the card was accepted. An online payment, invoice card, manually entered card, and card on file do not necessarily use the in-person rate. Then check whether the card was issued outside the US: Square lists an additional 1.5% for eligible international credit and debit card payments.

This calculator applies that international addition to eligible in-person, online, Online API, manually entered, and card-on-file payments. It excludes the addition from ACH and Afterpay and shows a warning if the checkbox remains selected for either method.

A Square statement can also differ because your account has legacy or negotiated pricing, the charge includes tax and tip, another Square product adds a fee, or Square applies a different rounding order. Select Custom account rate to enter your own percentage and fixed charge, or use the percentage fee calculator for a provider-neutral percentage estimate. Use the fee details in your Square Dashboard as the record for an actual transaction.

The transaction calculator models one successful US transaction in USD under published Square Free, Plus, or Premium pricing. It includes the supported card rates, fixed charges, invoice and API ACH minimums and caps, Afterpay, the eligible international card addition, net payout, a reverse quote, and a custom percentage-plus-fixed-fee option.

The monthly model estimates a four-channel payment mix, plan subscription costs by location, plan break-even, and a domestic online-card comparison. It does not model legacy-plan software prices, custom-rate minimums or caps, CBD program pricing, Square Checking's possible ACH waiver, gift card load fees, Neighborhoods on Cash App, Bitcoin network fees, instant transfers, refunds, disputes, or taxes on Square fees. Payment processing is generally based on the full amount charged, including tax and tip.

Amounts are calculated locally in your browser and are not sent to us. Results are planning estimates, not a Square statement, financial or tax advice, or legal guidance about surcharging. Read our payment processing fee guide for the broader cost model and our review methodology for sourcing details. This independent calculator is not affiliated with or endorsed by Square; Square is a trademark of Block, Inc.