Payment apps
Square Fee Calculator
See Square's processing fee and your net amount per sale.
$0.00
Based on Square's free-plan online rate (3.3% + $0.30, after the Oct 2025 increase). In-person is 2.6% + $0.15; keyed-in is 3.5% + $0.15; the paid Plus plan lowers online to 2.9% + $0.30. Last updated 2026-05.
How Square fees work
Square's fee depends on how the payment is taken and your plan. On the free plan, online payments are 3.3% + $0.30 (raised in October 2025), in-person card payments are 2.6% + $0.15, and manually keyed cards are 3.5% + $0.15.
This calculator uses the free-plan online rate by default. The paid Plus plan ($49/mo) lowers online to 2.9% + $0.30.
Frequently asked questions
How much does Square take per sale?+
On the free plan, online payments cost 3.3% + $0.30, in-person 2.6% + $0.15, and keyed-in 3.5% + $0.15. Square raised some rates in October 2025.
Does Square have monthly fees?+
The free plan has no monthly fee — you only pay per transaction. Paid plans such as Plus ($49/mo) lower the processing rates.
Is online or in-person cheaper with Square?+
In-person (2.6% + $0.15) is cheaper than free-plan online (3.3% + $0.30) because card-present transactions carry less fraud risk.