Square Fee Calculator

Quickly calculate merchant fees for in-person and online payments from customers.

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Square charges fees to process payments. The fees vary as follows based on whether your customer pays you online, in person or via electronic invoice:

  • 2.6% plus 10 cents for in-person transactions (2.5% plus 10 cents with Retail Plus plan).

  • 2.9% plus 30 cents for online transactions or invoices without a card on file (2.6% plus 30 cents with Premium plan).

  • 3.5% plus 15 cents for manually keyed transactions or card-on-file invoices.

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Types of Square payment methods

There are four main ways to collect payment from customers via Square.

1. Online

How it works: You set up a Square Online account and use it to build your website, or you integrate Square’s functionality into your existing website. Customers then see Square as a payment option when they check out.

2. In person

How it works: You use Square’s point-of-sale, or POS, hardware for retailers, restaurants or other businesses to let customers swipe, dip or tap their cards to pay for their transactions.

3. Over the phone

How it works: You manually key the customer’s card information into your Square app.

4. Via invoice

How it works: You request payment for goods or services by sending an invoice to the customer via email, text or manually. The invoice contains instructions on how to pay you.

Here's how several prominent payment processors stack up against Square.