Square Fee Calculator

The Square Fee Calculator estimates the processing fee on any Square transaction and shows your real net revenue. Enter an amount, pick a payment type, and instantly see the percentage fee, the fixed per-transaction fee, your effective rate, and the amount you actually keep.

Covers 6 Square payment types with current US rates pre-loaded: in-person, online, manually entered, invoice, Afterpay / Buy Now Pay Later, and ACH bank transfer.

Who It Helps

Retail & Restaurants

Know the true cost of every tap, dip, and swipe at the counter so register prices stay profitable.

Online Shops

Factor Square's online rate into product pricing and checkout totals with no surprises.

Service Businesses

Estimate net revenue on invoices before sending them, and find the right amount to bill.

How to Calculate Square Fees

1

Enter the Amount

Type the amount you plan to charge or receive. Results update instantly as you type.

2

Choose the Payment Type

Select a type such as In-Person, Online, Invoice, or Manually Entered Card. The correct Square rate loads automatically.

3

Adjust Rates if Needed

Open Fee Settings to override the processing percentage or fixed fee — useful for Plus / Premium plan rates or non-US accounts.

4

Read the Results

Review You Receive, total fees, effective rate, and the Ask For amount — the price to charge so your net equals your target.

In-person is the cheapest card rate. At 2.6% + $0.15, taking payment with a Square reader costs less than online (3.3%) or manual entry (3.5%) — switch the type to compare instantly.

Features & Square Rates

Pre-Loaded US Rates

Each payment type ships with Square's published flat-rate US pricing so you can calculate instantly. Every value stays editable in Fee Settings.

Payment Type	Processing	Fixed Fee
In-Person (Tap, Dip, Swipe)	2.60%	$0.15
Online Payment	3.30%	$0.30
Manually Entered Card	3.50%	$0.15
Invoice Payment	3.30%	$0.30
Afterpay / Buy Now Pay Later	6.00%	$0.30
ACH Bank Transfer	1.00%	$0.00

What the Calculator Shows

Net Payout & Total Fees

See the exact amount you keep and what Square takes, broken down line by line.

You Receive (net amount)
Total fees deducted
Effective fee rate

Reverse "Ask For" Amount

Work backward from your target payout to the price you should charge so fees are fully covered.

Charge the right total
Keep your full target amount
No margin lost to fees

Compare Payment Methods

Square uses transparent flat-rate pricing, so the cheapest method depends on the channel. Switch types in the calculator to see how the fee changes on the same amount.

Higher-Fee Methods

Manual & Afterpay

Manual entry: 3.5% + $0.15 (card-not-present risk)
Afterpay / BNPL: 6.0% + $0.30

Lower-Fee Methods

In-Person & ACH

In-person: 2.6% + $0.15
ACH transfer: 1.0%, no fixed fee

Plan tier affects in-person rates. The 2.6% + $0.15 in-person rate is the Free plan. The Plus plan lowers it to 2.5% + $0.15 and Premium to 2.4% + $0.15 — adjust the rate in Fee Settings to match your plan.

Frequently Asked Questions

What is Square's in-person processing fee?

Square charges 2.6% + $0.15 per transaction for in-person payments on the Free plan. The Plus plan reduces this to 2.5% + $0.15, and the Premium plan to 2.4% + $0.15.

Why is the manually entered card rate higher?

Manually keyed-in transactions carry higher fraud risk because the card isn't physically present. Square charges 3.5% + $0.15 for these to account for the increased risk of chargebacks and fraud.

What is the Square ACH transfer fee?

Square charges 1.0% for ACH bank transfers with no per-transaction fixed fee. This makes ACH the most cost-effective option for larger transactions, where the percentage fee stays well below card processing costs.

How much does Afterpay cost on Square?

Afterpay / Buy Now Pay Later is Square's highest-fee method at 6.0% + $0.30. In exchange, you receive the full payment upfront while customers pay in installments, which can boost conversion on larger purchases.

How does the "Ask For" amount work?

The "Ask For" figure runs the math in reverse: it tells you the price to charge so that, after Square's percentage and fixed fees, your net payout equals the amount you entered — ideal for invoicing when you need an exact sum.

Does Square have monthly or hidden fees?

Square's standard processing uses flat per-transaction rates with no monthly fee on the Free plan. Paid plans and add-on features may carry monthly costs, but the per-transaction processing fees shown here are what apply to each sale.