Square Fee Calculator

The Square Fee Calculator shows the processing fee on any Square transaction and the exact net payout you take home. Enter an amount, choose how the payment is taken, and instantly see the percentage fee, the fixed per-transaction fee, your effective rate, and what actually lands in your account.

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

Private by design: every calculation runs locally in your browser — no amounts or account details are uploaded anywhere.

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 at payout.

Service Businesses

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

How to Calculate Your Square Fees

Enter the Amount

Type the sale amount you plan to charge or receive. Results update instantly as you type — there's no submit button.

Choose the Payment Type

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

Adjust Rates if Needed

Open Fee Settings to override the processing percentage or fixed fee — handy for Plus / Premium plan rates or custom pricing.

Read Your Net Payout

Review You Receive, total fees, effective rate, and the Ask For amount — the price to charge so your take-home hits 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 the payout instantly.

Features & Square Rates

Pre-Loaded US Rates

Each payment type ships with Square's published flat-rate US pricing so you can calculate immediately. 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 & Fee Breakdown

See the amount you keep and what Square takes, itemized line by line into a running total.

You Receive (net amount)
Total fees deducted
Effective fee rate
Visual fees-vs-payout bar

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 — and your payout — 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 changes the in-person rate. 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 — set your own rate in Fee Settings to match your plan.

Frequently Asked Questions

How much does Square charge per transaction?

On the Free plan, Square charges 2.6% + $0.15 for in-person card payments, 3.3% + $0.30 for online and invoice payments, and 3.5% + $0.15 for manually entered cards. Enter your amount and payment type above to see the exact fee and net payout.

How is my Square net payout calculated?

Square deducts a percentage of the sale plus a fixed per-transaction fee before the money reaches your bank. For a $100 in-person sale on the Free plan, the fee is 2.6% + $0.15 = $2.75, so your net payout is $97.25 — exactly what this calculator shows in the "You Receive" figure.

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. That makes ACH the most cost-effective option for larger transactions, where the flat percentage 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 lift 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 fees shown here are what apply to each sale.