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Square Fee Calculator

Compare Square's in-person, online and keyed-in rates -- see your net for each.

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Net Payout

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Avoid keying in cards when you can

If a customer's chip or tap fails and you have to type in their card number, you'll pay Square's highest rate (3.5% + $0.15) for that sale. Where possible, have the customer try a different card or payment method (like Cash App Pay or a tap-to-pay retry) rather than defaulting to a manual key-in.

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Why Square's rate depends on how the card was charged

Square prices its processing rate based on how much fraud risk the transaction carries: a card physically tapped, dipped or swiped in person is the lowest-risk method and gets the best rate, about 2.6% + $0.10. A card entered through an online checkout (Square Online, invoices, or an e-commerce integration) carries more risk since the card isn't physically verified, and costs about 2.9% + $0.30.

The highest rate applies to a manually keyed-in card -- typing in a customer's card number by hand, whether over the phone or because a chip/tap failed -- at around 3.5% + $0.15, reflecting the highest fraud and chargeback risk of the three methods.

For a seller who takes payment both in person (at a market or pop-up) and online (through a Square Online store), it's worth tracking which channel each sale came through, since the fee difference between in-person and keyed-in can be almost a full percentage point plus a higher fixed fee.

Where these numbers come from

The formulas and default values in this calculator are based on:

  • Square's publicly published standard US pricing for 2025-2026: in-person (tap/dip/swipe) rate of 2.6% + $0.10
  • online/Square Online rate of 2.9% + $0.30
  • manually keyed-in rate of 3.5% + $0.15. Note: Square offers custom pricing for higher-volume sellers and has separate rates for its Square Invoices and Square Appointments products
  • confirm your account's actual rate in your Square Dashboard

Platform fee schedules change. These are planning estimates based on the most recently published rates -- always confirm the current fee schedule on the platform itself before relying on the exact number for a real payout.

Frequently asked questions

Why is Square's online rate higher than its in-person rate?

Online transactions carry more fraud and chargeback risk than a card physically tapped or dipped in front of you, since there's no physical card verification -- payment processors generally price risk into the rate, which is why online rates run higher industry-wide, not just at Square.

Does Square charge a monthly fee on top of the transaction rate?

Square's basic point-of-sale processing has no required monthly fee, though optional add-on products (like Square for Retail, Payroll, or advanced reporting) carry their own separate subscription costs.

Is there a cheaper rate for high-volume sellers?

Square offers custom processing rates for businesses processing a large volume, typically negotiated directly with Square's sales team rather than published as a standard tier.

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