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Square Payments Calculate your Square processing fees
Tell us about your business to find the right plan for your needs.
What are your total monthly sales?
Consider your sales goal for the next month. Feel free to estimate, you can always update later.
What is your average transaction size?
Think about how much your average customer usually spends.
How do customers pay you?
Processing rates vary by payment method. Please see the chart below for a detailed breakdown.
Estimate your fees by answering each question
Know what to expect with transparent fees
Processing fees
2.6% + 15¢
2.5% + 15¢
2.4% + 15¢
3.3% + 30¢
2.9% + 30¢
2.9% + 30¢
2.9% + 30¢
2.9% + 30¢
2.9% + 30¢
1%, $1 min
1%, $1 min, $10 fee cap
1%, $1 min, $10 fee cap
1%, $1 min, $5 fee cap
1%, $1 min, $5 fee cap
1%, $1 min, $5 fee cap
3.5% + 15¢
3.5% + 15¢
3.5% + 15¢
6% + 30¢
6% + 30¢
6% + 30¢
Free
Free
Free
Get one plan to run your entire business
Square Pro
Get custom pricing
If you process over $250,000 per year, talk to our team to see if you’re eligible for custom pricing. You can also ask about hardware discounts, onboarding and implementation support, technical specialists, and account management.
Benefits built into every plan
End-to-end encrypted payments
Active fraud prevention
Next day transfers
Offline payments
Complete your Square setup
Square Payroll
Run full-service payroll starting at $35 per month, plus $6 per person paid.
Square Hardware
Get the right hardware for how you sell with options starting at $59.
Square Banking
Get access to checking, savings, and loans with none of the usual fees.2
Square Payroll
Run full-service payroll starting at $35 per month, plus $6 per person paid.
Square Hardware
Get the right hardware for how you sell with options starting at $59.
Square Banking
Get access to checking, savings, and loans with none of the usual fees.2
FAQ
How much will I pay in processing fees?
Processing fees vary based on the Square plan you choose. Square Premium offers the lowest processing fees. If you process over $250,000 per year, you can talk to our team about custom pricing and processing fees.
Is there a free trial and can I cancel later?
Square Plus and Square Premium each offer a free 30-day trial, and you can cancel or switch plans at any point. With Square Free, there are no monthly subscription costs — you only pay processing fees when you take a payment.
Can I accept any type of credit card?
You can accept every major card — Visa, Mastercard, American Express, and Discover — all for the same processing fees. You can also take cash, checks, and Square Gift Cards.
Do I need to purchase hardware?
You do not need to purchase hardware. There are several ways to take payments without any hardware, including invoicing, payment links, virtual terminal, Tap to Pay on iPhone, and Tap to Pay on Android.
How can I get in touch for support?
You can contact sales for support getting started or with your account.
1Offline payments are processed automatically when you reconnect your device to the internet and 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. Offline payments are not supported on Square Reader for contactless and chip (1st generation, v1 and v2). Learn more about how to enable and use offline payments here.
2Square, the Square logo, Square Financial Services, Square Capital, and others are trademarks of Block, Inc. and/or its subsidiaries. Square Financial Services, Inc. is a wholly owned subsidiary of Square, Inc.
All loans and Savings accounts are issued by Square Financial Services, Inc., a Utah-Chartered Industrial Bank. Member FDIC. Actual fee depends upon payment card processing history, loan amount and other eligibility factors. A minimum payment of 1/18th of the initial loan balance is required every 60 days and full loan repayment is required within 18 months. Loan eligibility is not guaranteed. All loans are subject to credit approval.
Savings accounts are provided by Square Financial Services, Inc. Member FDIC. Accrue annual percentage yield (APY) of 1.00% per folder on folder balances over $10. APY subject to change, current as of 2/18/2025. No minimum deposit is required to open an account. Accounts will not be charged monthly fees. Accounts are FDIC-insured up to $2,500,000. Pending balances are not subject to FDIC insurance.
Square Checking is provided by Sutton Bank, Member FDIC. Square Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated, and may be used wherever Mastercard is accepted. Accounts are FDIC-insured up to $250,000. Funds generated through Square’s payment processing services are generally available in the Square checking account balance immediately after a payment is processed. Fund availability times may vary due to technical issues.