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Payment features businesses actually ask for
Get the most-requested payment features in the palm of your hand with Square.
Stay agile and serve customers fast
Instant transfers
Move money to your external bank account instantly for a 1.5% fee. 1 You can also transfer money for free. Standard transfers arrive in your bank account the next day.
Automatic surcharging
Recoup card processing fees with zero-cost EFTPOS. Use the surcharging feature to automatically pass on your processing fees for each transaction. 2
Offline payments
Internet down? Take card payments when your service is temporarily unavailable. Offline payments are processed automatically when you reconnect within 24 hours. 3
Tap to Pay
Accept contactless cards and digital wallets in person and on the go with just your iPhone or Android phone. No additional hardware required.
Hardware for any business need
Square Terminal
Square Terminal is your all-in-one portable EFTPOS machine for payments and receipts. Take it where your customers are.
Square Reader
This card reader accepts chip cards, contactless cards and digital wallets. Connect wirelessly, accept payments quickly.
Square Register
Built to be faster with more convenient features, this complete point of sale offers two displays plus built-in payments.
Square Stand
Elevate your countertop with a powerful iPad point of sale that’s intuitive and integrated – no card readers required.
Accept contactless payments with just your iPhone or Android phone
Accept major payment methods
Our tools are made to work with yours
Try one of our pre-built integrations for the software you already use, like Xero, WooCommerce and QuickBooks.
Stay protected down to the last byte
Dispute management
Get free dispute management services for chargebacks. We cover the fee for every dispute that we fight on your behalf.
Fraud prevention
We evaluate the legitimacy of your buyers to protect your business and prevent fraud with both low- and high-risk transactions.
PCI compliance
Square products are compliant, so you don’t have to pay extra for your data security.
Data encryption
Our proprietary software ensures unencrypted payment data never touches your device or application.
Payments compatible with businesses at any scale
With the Square Developer platform, you can connect Square payments to your custom business software for a centralised view of your data. You can also build your own payment experience using our APIs.
Transparent pricing means no surprises at the end of the month
There’s one rate per payment method. No hidden fees. With Square, you only pay processing fees for what you process.
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In Person
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Online
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Manually Entered
In person
1.6%
per transaction on Square Terminal and Square Register
1.9%
per transaction on Square Reader, Square Stand, Tap to Pay on iPhone and Tap to Pay on Android
6% + 30 cents
per Afterpay transaction (excl. GST)
Surcharging available²
Contactless payments
Mobile payments
Chip + PIN payments
Afterpay in-person payments
In person
1.6%
per transaction on Square Terminal and Square Register
1.9%
per transaction on Square Reader, Square Stand, Tap to Pay on iPhone and Tap to Pay on Android
6% + 30 cents
per Afterpay transaction (excl. GST)
Surcharging available²
Contactless payments
Mobile payments
Chip + PIN payments
Afterpay in-person payments
Online
2.2%
per online transaction
6% + 30 cents
per Afterpay transaction (excl. GST)
Surcharging available²
Square Online payments
Square Payment Links
Online API payments
Afterpay online payments
Square Invoices
Manually entered
2.2%
per remote transaction
6% + 30 cents
per Afterpay transaction (excl. GST)
Surcharging available²
Keyed-in transactions
Card on file
Square Virtual Terminal payments
Afterpay remote payments
Square Invoices
Please note: Different pricing may apply with certain products and/or subscription plans.
Take buy now, pay later payments anywhere
Allow customers to pay in instalments over time with Afterpay. You get paid upfront, so there’s no risk. 4
Run your business your way
In person
Sleek hardware intuitive enough for customers to pay and employees to use. Plug in and go.
Online
Let customers shop whenever they please with a Square Online website.
Manually entered
Take payments by phone, mail, SMS or email with Square Virtual Terminal.
Tools built for every industry
Food and drink
Give customers the option to place orders online or over the phone. Enable orders for pickup or delivery, or create custom QR codes for self-serve ordering.
Beauty and personal care
Switch to touch-free payments in your salon, set up prepaid appointments for future business and set up an online store that allows for pickups, shipping or delivery.
Retail
Adopt touch-free payments in-store and create a website that allows customers to purchase online. You can also offer pickup, shipping or delivery.
Home and repair
Work with your clients remotely. Switch to contactless payments in person, or request payments via invoices online. It’s easy to send and track them all in one place.
Healthcare and fitness
Offer virtual training for clients or rent out fitness equipment. Online bookings are integrated with payments, so you can easily send invoices and checkout links.
Professional services
Serve clients online or in person. Request payments online with checkout links, or accept contactless payments in person to reduce touch points.
Take payments with Square
FAQs
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A payment processor is a tool that allows merchants to accept card payments and transfer funds successfully. It manages the end-to-end transaction between a merchant, credit card network and bank in order to complete a fund transfer.
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A payment gateway enables online payments by verifying credit card information. A payment processor does the work of facilitating the transaction between a merchant, credit card company, and bank.
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A merchant account establishes a relationship between a business and a merchant services provider, like a bank. This agreement allows a business to accept credit cards and debit cards, along with other forms of payment. Not all merchant services providers require a merchant account. All you need is a dedicated bank account to process payments with Square.
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Once a customer’s card is tapped or inserted, the payment amount is sent to a payment processor. The payment processor sends that information to a card network like Visa or Mastercard. The card network then sends a request to the issuing bank, which approves or declines a transaction. The approval or denial is sent to the payment processor, which relays the message to the merchant.
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When you take a payment with Square, we only keep a fraction of the fee – so you can put more of your money right back into your business.
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Square works with any Australian-issued and most international chip or swipe cards with a Visa, Mastercard or American Express logo, as well as bank-issued eftpos chip cards.
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We offer a couple of options based on your needs. You can choose a standard option to get paid as fast as the next day automatically or manually at a time that suits you.
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The Square Reader is compatible with most Apple devices running iOS 14.0 and above, and Android devices running version 7.0 and above. Check if your device is compatible here.
Android is a trademark of Google LLC. Tap to Pay on Android is available on compatible Android devices . Tap to Pay on iPhone is available on iPhone XS or above running the latest version of iOS. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.
¹ Instant transfers require a linked, eligible bank account and cost a fee per transfer. Funds are subject to your bank’s availability schedule. Up to $5,000 AUD per day. The minimum you can transfer is $5.
² Limitations apply. Surcharging available in public beta on SPOS, Restaurants and Retail. Surcharge must not be higher than your cost of acceptance. See our Payment Terms for more details.
³ For Square Reader and Square Stand, you can process transactions through offline payments for up to one hour in a single offline session and will be declined if you do not reconnect to the internet within 24 hours of the start of your offline payment session. For Square Terminal and Square Register, offline payments will be declined if you do not reconnect to the internet within 24 hours of taking your first offline payment. By enabling offline payments, you are responsible for any expired, declined or disputed payments accepted while offline. Square is unable to provide customer contact information for payments declined while offline. eftpos-only cards, Square Gift Cards and Afterpay transactions do not work with offline payments.
⁴ Late fees may apply. Eligibility criteria apply. See afterpay.com for complete Afterpay terms.