Square works with any Australian-issued and most international chip cards or magstripe cards with a Visa, Mastercard or American Express logo, as well as bank-issued eftpos chip cards. Square also supports mobile wallets such as Apple Pay, Google Pay, and Samsung Pay.
The following card types are accepted:
Square processes all cards with the same standard rate:
2.2% for each card not present and manually entered transactions.
Accept eftpos Chip Cards
The Square app can process eftpos chip cards on Square Reader, Square Terminal, Square Stand, or Square Register. Cardholders will be prompted to select their preferred account, and enter their PIN when the card is inserted. Learn more about accepting eftpos cards.
Accept Mobile Wallet Cards
Apple Pay, Google Pay and Samsung Pay are acceptable contactless payments.
Accept Prepaid Cards
The Square Point of Sale app can process prepaid cards with any of the logos above at:
1.9% per transaction rate for tapped, inserted or swiped transactions on Square Reader or Square Stand.
1.6% on Square Terminal or Square Register.
2.2% per transaction for manually entered payments. Invoices can also be paid with prepaid cards. Each paid Square Invoice costs 2.2% per transaction. All Square API payments cost 2.2% per transaction.
Accept International Cards
Square can process most internationally-issued cards with a Visa, Mastercard or American Express logo. The majority of cards transactions will prompt your customer for a PIN, however you may be prompted for a signature if you process an international card.
You can also process international cards via manual entry. To manually process an international card, enter the card number, expiration date and CVV.
Keep the following in mind when processing international cards:
While most internationally-issued cards are accepted, processing them is subject to issuer approval. If you experience issues processing an internationally-issued card, have the cardholder contact their issuer.
Cardholders may be charged for currency conversion by their card issuer since payments must be processed in your country’s official currency.
In order to process payments, you need to be located in the country where you activated your Square account.
Other Payment Methods
Buy now, pay later (BNPL) payment options — such as Afterpay or Zip — are not currently supported with Square Point of Sale or Square Online.
If you want to manually track BNPL transactions via Square, you can select the "Other" payment type on your POS. This option records a payment that has taken place outside Square's system.
Note: Selecting “Other” won't process transactions via your BNPL system. It's just for record keeping — similar to how you track physical cash payments via Square.
Card Payment Limits
All Square merchants have a per transaction limit of $1.00 minimum and $50,000 maximum for card payments. If you’d like to accept individual card transactions above $50,000 each, you’ll need to split the payment into multiple instalments.
Learn more about best practices for accepting card payments.