Free tool · US pricing
Square Fee Calculator
Pick how the card is taken — in person, online, keyed, or ACH invoice — then enter your average transaction value and monthly volume: fee split, monthly totals, blended effective rate, gross-up mode, and the annual fee cost on recurring invoices.
How Square fees work
Square's rate depends on how the card is taken: 2.6% + 15¢ when it's tapped, dipped, or swiped in person, 3.3% + 30¢ online, 3.5% + 15¢ when keyed in manually or charged from a card on file, and 1% (with a $1 minimum) for ACH bank-transfer invoices — all on the free plan. A Square fee calculator is about knowing which of those rows your sale lands in:
This one shows the exact split and net payout for each method, runs in reverse when you need to net an exact amount, and adds the recurring view: what Square fees cost per year when the same price is billed monthly versus once annually.
fee = amount × percentage rate + fixed fee net payout = amount − fee
Square rates used by this calculator
| Payment method | Rate | Notes |
|---|---|---|
| In person | 2.6% + 15¢ | Tap, dip, or swipe on Square hardware (Free plan). |
| Online | 3.3% + 30¢ | Online and ecommerce payments (Free plan). |
| Keyed / card on file | 3.5% + 15¢ | Manually entered or card-on-file payments. |
| ACH invoice | 1%, $1.00 min | ACH bank transfer on Square Invoices — 1% with a $1 minimum. |
Rates as of September 1, 2026, from Square's published US pricing.
How to calculate Square fees
- 1
Pick the payment method
Square's rate depends on how the customer pays — each method has its own percentage and fixed fee, shown in the rates table below.
- 2
Enter your average transaction value and monthly volume
Fixed fees apply to every transaction, so the calculator multiplies your average ticket size by your monthly transaction count — the fee split, monthly totals, and blended effective rate update live as you type.
- 3
Flip to gross-up mode when you need to net an exact amount
Enter the amount you want to keep and the calculator returns what to charge so the fee is covered.
- 4
Check the recurring view for subscriptions
If the amount is a subscription price, the recurring view shows what Square fees cost per year on monthly versus annual billing.
Frequently asked questions
- How do I calculate Square fees?
- Square charges a percentage plus a fixed amount that depends on how the card is taken. In person (tap, dip, or swipe) it's 2.6% + 15¢ — on a $100 sale that's $2.60 + $0.15 = $2.75, leaving $97.25. This Square fee calculator shows the split live for in-person, online, keyed, and ACH invoice payments.
- What are Square's processing fees in the US?
- On Square's free plan, as published on its fees page: 2.6% + 15¢ in person, 3.3% + 30¢ online, 3.5% + 15¢ for manually keyed or card-on-file payments, and 1% with a $1 minimum for ACH bank-transfer invoices. Paid plans (Plus and Premium) lower some of these rates for a monthly subscription.
- Why is Square's online rate higher than its in-person rate?
- Card-present transactions carry less fraud risk, so in-person payments cost 2.6% + 15¢ while online payments on the free plan cost 3.3% + 30¢. Square's Plus and Premium plans bring online down to 2.9% + 30¢ in exchange for a monthly fee.
- How much should I charge to receive a target amount after Square fees?
- Switch to gross-up mode and enter the amount you want to keep — the calculator returns what to charge. For example, to net $100 on an in-person sale you'd charge $102.83.
- What do Square fees cost on a recurring subscription or invoice?
- The fixed fee is paid on every charge, so billing monthly costs more per year than one annual charge at the same total. The recurring view shows the annual fee cost both ways; for larger invoices, Square's 1%-capped-free ACH option (1%, $1 minimum) is usually the cheapest way to get paid.
- Does Square refund processing fees when I refund a sale?
- Square refunds the full amount to your customer, but since April 2023 the processing fee from the original sale is not returned to you. There is no additional fee for issuing the refund itself.