Square's US processing fees
Square's fees page lists these rates per card payment. The rate depends on how the card is taken and on your Square plan:
| Payment type | Free | Plus | Premium |
|---|---|---|---|
| In person (tap, dip or swipe) | 2.6% + 15¢ | 2.5% + 15¢ | 2.4% + 15¢ |
| Online, including card payments on invoices | 3.3% + 30¢ | 2.9% + 30¢ | 2.9% + 30¢ |
| Manual entry or card on file | 3.5% + 15¢ | 3.5% + 15¢ | 3.5% + 15¢ |
| Afterpay | 6% + 30¢ | 6% + 30¢ | 6% + 30¢ |
You receive = payment − fee
To receive X, charge (X + fixed fee) ÷ (1 − rate)
Examples on the Free plan
| Case | Payment | Fee | You receive |
|---|---|---|---|
| In person, $100 | $100.00 | $2.75 | $97.25 |
| Online, $100 | $100.00 | $3.60 | $96.40 |
| Card typed in, $100 | $100.00 | $3.65 | $96.35 |
| Online, you need $100 to arrive | $103.72 | $3.72 | $100.00 |
| In person, $5 coffee | $5.00 | $0.28 | $4.72 |
The fixed fee matters on small sales: on a $5 in-person sale the fee is 5.6% of the payment, against 2.75% on $100.
Square, Stripe or PayPal?
| $100 online card payment (US) | Rate | Fee |
|---|---|---|
| Square, Free plan | 3.3% + 30¢ | $3.60 |
| Square, Plus or Premium | 2.9% + 30¢ | $3.20 |
| Stripe | 2.9% + 30¢ | $3.20 |
| PayPal Checkout | 3.49% + $0.49 | $3.98 |
For in-person sales at markets and craft fairs, Square's 2.6% + 15¢ is the number to plan with: $2.75 on a $100 sale.
Tips
- Tap or insert the card when you can. Typing the number in costs 3.5% + 15¢ instead of 2.6% + 15¢.
- The fee is charged on tax and tips too. Square takes its percentage from the whole amount charged.
- Price craft-fair items with the fee inside. The handmade pricing calculator and the break-even calculator help with a booth fee.
Rates are Square's US rates as listed on its fees page on the date shown under the calculator. Always check the current page before relying on a number.
Frequently asked questions
How much does Square take from a $100 sale?
On the Free plan, $2.75 for an in-person card payment (2.6% + 15¢), $3.60 online (3.3% + 30¢) and $3.65 when the card is typed in (3.5% + 15¢).
Is Square cheaper on a paid plan?
Square's fees page lists lower rates on Plus and Premium for some payments: 2.5% and 2.4% + 15¢ in person, and 2.9% + 30¢ online instead of 3.3% + 30¢. The plans have a monthly price, which this calculator does not include.
Does Square charge a fee on sales tax and tips?
Yes. The percentage is taken from the full amount charged to the card, including tax and tip.
How do I pass the Square fee to the customer?
Use the I want to receive tab to see the amount to charge. Card surcharge rules differ by state and card network, so check them before adding a fee at checkout.
Sources
Square: Our fees (US) · Square Help: What are Square's fees? (rates by plan)
Last reviewed: November 2026 · By Muhammad Shujah Uddin Qazi · How we check rates · Fee changes tracker