The Square Fee Calculator helps you estimate processing fees for all types of Square transactions. It covers in-person payments (tap, dip, swipe), online payments, invoices, manually entered cards, Afterpay / Buy Now Pay Later, and ACH bank transfers.

Whether you run a brick-and-mortar store, an online shop, or a service business that sends invoices, this tool helps you understand Square's transparent flat-rate pricing and calculate your net revenue accurately.

Enter the transaction amount you plan to charge or receive.
Select the payment type (e.g., In-Person, Online, Invoice, Manual Entry).
Review the fee breakdown showing the processing percentage fee and fixed per-transaction fee.
Check the "Ask For" amount to know how much to charge so you receive your desired amount after fees.

Calculates fees for 6 Square payment methods including in-person, online, invoice, manual entry, Afterpay, and ACH.
Reflects Square's flat-rate pricing with no hidden fees or monthly costs for the free tier.
Shows "Ask For" amount — the exact price to charge so you receive your target amount after fees.
Displays effective fee rate, total fees, and detailed breakdown of each fee component.

What is Square's in-person processing fee?: Square charges 2.6% + $0.15 per transaction for in-person payments on the Free plan. Plus plan reduces this to 2.5% + $0.15, and Premium plan to 2.4% + $0.15.
Why is the manually entered card rate higher?: Manually keyed-in transactions carry higher fraud risk since the card isn't physically present. Square charges 3.5% + $0.15 for these transactions 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-based fee is still lower than card processing costs.