Software

Monthly fee

$0

No contracts
No setup fees
No hidden fees

Included with every Square account:

  • Transfers as soon as the next business day
  • Account takeover protection
  • Fast online sign-up
  • Free Square Reader for magstripe
  • End-to-end encrypted payments
  • Live phone support
  • Free Square Point of Sale app
  • Active fraud prevention
  • Dispute management

Processing fees

See how our rates work

Card present

When a customer taps, dips, or swipes their card in person. Visa, Mastercard, Discover, and American Express all cost the same rate.

2.6% + 10 cents

per transaction

Card not present

When a customer makes a purchase through your online store, Square Online Checkout, eCommerce API, or pays an invoice online.

2.9% + 30 cents

per transaction

Keyed in

When you manually key in your customer’s card details or use a card on file.

3.5% + 15 cents

per transaction

Get a custom rate.

We can create custom pricing for some businesses that process $250K+ in credit card sales.

Talk to our sales team

Flexible hardware solutions that make selling easy.

Turn your Square POS
into a custom solution.

Do more than take payments with your Square POS. Add tools to your Square POS to create a custom solution based on your business needs.

Square Gift Cards

Bring in new customers with custom digital or physical gift cards.

Starting at $0/mo.

Square Team Management

Set the schedule, track time, and let your team clock in and out at your Square POS to streamline management.

Starting at $0/mo.

Square Email Marketing

Stay connected to customers with POS-integrated, automated email marketing.

Starting at $15/mo.

Square Loyalty

Keep customers coming back with an easy-to-use rewards program.

Starting at $45/mo.

Square Payroll

Track hours, pay employees faster, and automate your tax filings all in one place to streamline payday.

Starting at $35/mo. + $6 monthly fee per person paid

Afterpay

Let customers pay in installments while you get paid in full with Afterpay. More options for them. More sales for you.

6% + 30 cents per transaction

Square Invoices

Send digital invoices and estimates, accept payments, send reminders, and track which invoices are paid.

Starting at $0/mo.

Square Online Checkout

Create payment links, buy buttons, or QR codes. Share them through social media, email, text, or on your website.

Starting at $0/mo.

Square Virtual Terminal

Turn your computer into a credit card terminal to offer remote billing and take credit card payments over the phone.

Starting at $0/mo.

Square Online

Sell, take bookings, and show off your services online. Plus, reach customers on Instagram and Facebook.

Starting at $0/mo.

Square Text Message Marketing

Text customers directly about sales and arrivals. Plus, send coupons so you stay top of mind.

Starting at $10/mo. + messaging rates

Square Customer Directory

Create a profile each time you make a sale that includes basic information about your customers that they choose to share with you.

Starting at $0/mo.

Square Checking

Get instant access to your money with a free business debit card — no minimums, no recurring fees.1

No fees.

Square Savings

Automatically set aside a portion of your sales into folders for anything from taxes to rainy-day expenses.1

No fees.

Square Loans

Become eligible for a loan up to $250K by processing payments on Square. Get funds as soon as the next business day.1, 2

No interest — just one flat fee.

Square Shifts

Get scheduling, time tracking, payroll prep, and sales all together to simplify payday.

Starting at $0 per location

Powering millions of businesses worldwide

PD04664 - Reviews App Store

4.8 STARS

PD04664 - Reviews Google Play

4.8 STARS

PD04664 - Reviews Capterra

4.7 STARS

PD04664 - Reviews G2

WINNER EASIEST SETUP

Learn how real businesses reach their goals with Square.

FAQ

Fees and protection

Payments

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1Block, Inc. is a financial services company, not a bank. Banking services are provided by Square Financial Services, Inc., an affiliate of Square, Inc., and Sutton Bank; members FDIC.

2All loans 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 1/18 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.