Payment Fees

Square Fee Calculator

Calculate Square processing fees for online, in-person and keyed-in payments on each plan — or how much to charge to receive an exact amount.

verifiedRates checked October 2026lockRuns in your browsercodeEmbed this calculator

Your numbers

$

Online store, payment links and card-paid invoices

%
$

Extra fees that apply

Results

You receive

$96.40

Total fee $3.60 — 3.3% + $0.30

Payment amount
$100.00
Percentage fee (3.3%)
-$3.30
Fixed fee
-$0.30
Total fees
$3.60
Effective fee rate
3.6%

Download your results

Branded KleverKlimb report with your inputs and results.

Default rates last checked October 2026. Rates can change and may differ for your account — verify on the official Square pricing page.

How it works

The formula

Exactly what this calculator does with your numbers — no hidden assumptions.

01point_of_sale

Rates by channel

Square charges a percentage plus a fixed fee that depends on how the card is taken — in person, online or keyed in — and on your plan.

02workspace_premium

Plans

The Free plan has no monthly fee. Plus and Premium lower in-person rates and drop the online rate to 2.9% + $0.30.

03swap_horiz

How much to charge

Charge = (amount you want + fixed fee) ÷ (1 − percentage), so the fee is covered exactly.

FAQ

Questions, answered

Q1What are Square’s fees in 2026?
On the Free plan: 2.6% + $0.15 in person, 3.3% + $0.30 online and for card-paid invoices, and 3.5% + $0.15 for keyed-in cards. Paid plans lower some of these rates.
Q2Is a paid Square plan worth it?
Compare the monthly plan price with the fee savings on your volume. Use this calculator with each plan’s rate on a typical month of sales to see the difference.
Q3Does Square charge for ACH or Afterpay?
Yes — ACH bank payments and buy-now-pay-later options have their own rates. This calculator covers card payments.

Estimates using Square’s published US card rates. Custom pricing, chargebacks, instant transfers and other payment methods are not included.

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