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Square Register Payments FAQ

Find answers to commonly asked questions about fees and processing payments with Square Register.

What are my fees on Square Register?

  • 1.6% fee for every contactless, chip and PIN, or swiped magnetic stripe card transaction processed on Square Register.

  • There are no fees for recording cash, cheque, gift cards or other tender payments.

  • There are no monthly or hidden fees for debit or credit card processing. All fees are deducted before funds are transferred to your linked bank account.

Note: Processing fees are deducted before each transfer and cannot be charged on a monthly basis. You can view your total fees on a monthly basis from your online Square Dashboard.

To learn more about Square’s fees, check out our
pricing page.

Do you offer custom pricing with Square Register?

If you have a custom processing rate on your Square Account, you will continue to process at that rate.

Custom processing rates can be considered for sellers who exceed $250,000 in annual sales and have an average ticket size of over $15. If this sounds like your business, contact our Sales team so we can help find the right transaction rate for you.

What do the lights mean?

When you tap the blue Charge button on Square Register, LED lights indicate on the customer display where to tap, insert or swipe cards. The customer display is ready to take payments when the lights are illuminated.

What are contactless payments, and how are they different from NFC?

Contactless payments describe the act of paying without touching anything.
NFC (Near-Field Communications) is a technology that allows for contactless payments. Using radio frequency, NFC allows devices (e.g. smartphones) to wirelessly communicate at close range to do things like process payments. Apple Pay and Google Pay are both forms of NFC and types of contactless payments.

How do I take contactless payments, such as Apple Pay and Google Pay?

When you are ready to take a card payment, tap the blue Charge button on Register. The contactless logo on the customer display will light up after tapping Charge. Ask your customer to hold a contactless device or card near the contactless logo to trigger a contactless payment.

Are contactless payments secure?

Yes, they’re just as secure as accepting chip cards. In some cases because of additional verification methods (like Touch ID with Apple Pay), contactless payments can be even more secure. Learn more in
Square’s comprehensive guide to Apple Pay.

How long does it take to process a chip card?

Chip and PIN card payments require additional security steps to transfer and verify chip data. It can take around 3-5 seconds to complete a chip card transaction when it’s inserted into the customer display’s EMV card slot.

How can I swipe chip cards?

Unfortunately, you need to insert chip cards into the insert slot. You can only swipe magnetic stripe cards or faulty chip cards. The ‘Swipe Chip Cards’ option is not currently available for Square Register.

Can I take other forms of contactless payments besides Apple Pay and Google Pay?

Yes. In addition to Apple Pay and Google Pay, acceptable contactless payments include contactless cards and Samsung Pay.

If your customers use Cash App, they can scan a QR code from the buyer-facing display on your register with their own mobile device to complete their payment. Learn more about Cash App Pay.

Does my customer need to leave the chip card in the customer display’s chip card slot while taking a payment?

Yes, the chip card needs to stay inserted in the customer display’s EMV card slot until the transaction is complete. The customer will get a confirmation message when it’s time to remove the card.

Can customers redeem Loyalty rewards on Square Register?

Yes. If your business is using Square Loyalty and your customer is enrolled in your Loyalty program, they can redeem any earned rewards during checkout. Once your customer inserts, taps or swipes their payment card, any rewards that can be redeemed will be shown to the customer on the buyer-facing display. As soon as rewards are chosen and redeemed by the customer, you can continue through the checkout process as normal.

Note: The customer must be paying with the payment card that is linked to their Loyalty profile in order for available rewards to automatically appear on the buyer-facing display. Read more about linked payment cards and how customers can redeem their rewards.

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