Monthly fee


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 Advanced Access

Square Advanced Access gives you the tools to customize your team’s access in Dashboard, POS, and Team app through unlimited custom permission sets and team member monitoring tools, such as activity log and sales report.

Starting at $35/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


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

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Learn how real businesses reach their goals with Square.


Fees and protection


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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.