Square Fee Calculator
Calculate Square payment processing fees for in-person, online, invoice, and keyed transactions. Free calculator with current 2025 Square pricing.
Square Fee Calculator
Calculate Square processing fees for different payment types
Enter the total payment amount
In-person payments (chip, tap, swipe)
Fee: 2.6% + $0.10
Fee Breakdown
Square Fee Comparison
In-person payments (chip, tap, swipe)
2.6% + $0.10
Online payments
2.9% + $0.30
Invoice payments
2.9% + $0.30
Manually keyed payments
3.1% + $0.30
Square Hardware
Square Reader for magstripe
Basic card reader for mobile devices
Square Reader for contactless and chip
Accepts chip cards, contactless, and mobile payments
Square Terminal
All-in-one payments device with built-in receipt printer
Square Stand
iPad stand with built-in card reader
Square Register
Complete point-of-sale system with cash drawer
Business Recommendations
Small Retail
Low volume, mobile transactions
Restaurant/Cafe
Table service, quick service
Professional Services
Service billing, remote payments
E-commerce
Online store, subscription billing
Square Payment Processing Information
Accepted Payment Methods
Visa, Mastercard, American Express, Discover, Apple Pay, Google Pay, and more
Settlement Time
Funds typically available 1-2 business days after transaction
Monthly Fees
No monthly fees for basic Square services
Chargeback Protection
$15 chargeback fee (waived if you successfully dispute)
Rates shown are for standard processing in the United States. International cards may incur additional fees. Check Square's current pricing for the most up-to-date information.
Square Payment Processing Fees 2025
Square Fee Structure
In-Person Payments
2.6% + $0.10 per transaction
Chip, tap, swipe with Square readers
Online Payments
2.9% + $0.30 per transaction
Square Online, APIs, and e-commerce
Invoice Payments
2.9% + $0.30 per transaction
Square Invoices and email payments
Keyed Payments
3.1% + $0.30 per transaction
Manually entered card information
Why Choose Square?
- No monthly fees: Pay only when you process transactions
- Fast setup: Start accepting payments in minutes
- All payment types: Cards, contactless, and digital wallets
- Quick deposits: 1-2 business day transfers
- Free tools: POS app, analytics, and inventory management
Business Integration
Square integrates seamlessly with popular business tools including QuickBooks, Xero, Mailchimp, and dozens of other applications. The Square ecosystem includes point-of-sale, e-commerce, invoicing, and payroll solutions.
Square Hardware Options
Square Reader for contactless and chip
Accepts chip cards, contactless payments, and mobile wallets. Perfect for small businesses and mobile vendors.
- • Bluetooth connectivity
- • 7-hour battery life
- • Works with iOS and Android
Square Terminal
All-in-one payments device with built-in receipt printer. No need for additional hardware or tablets.
- • Built-in receipt printer
- • Wi-Fi and ethernet connectivity
- • Accepts all payment types
Square Register
Complete point-of-sale system with cash drawer, receipt printer, and customer display. Ideal for retail stores.
- • Integrated cash drawer
- • Customer-facing display
- • Receipt printer included
Square vs Competitors
| Payment Processor | In-Person Rate | Online Rate | Monthly Fee |
|---|---|---|---|
| Square | 2.6% + $0.10 | 2.9% + $0.30 | $0 |
| PayPal Here | 2.7% + $0.05 | 2.9% + $0.30 | $0 |
| Stripe Terminal | 2.7% + $0.05 | 2.9% + $0.30 | $0 |
| Traditional Merchant Account | 1.5% - 3.5% | 2.2% - 3.5% | $10-50 |
Frequently Asked Questions
Is Square good for small businesses?
Yes, Square is excellent for small businesses because it has no monthly fees, quick setup, and competitive rates. The free Square Point of Sale app and simple hardware options make it ideal for startups and small retailers.
Can I use Square for online sales?
Yes, Square offers online payment processing through Square Online, APIs for custom integration, and invoice payments. Online transactions are charged 2.9% + $0.30 per transaction.
What happens if I get a chargeback?
Square charges a $15 chargeback fee when a customer disputes a transaction. However, if you successfully dispute the chargeback and win, the fee is waived. Square provides tools to help you manage and respond to chargebacks.