Square Fee Calculator

How to Use the Square Fee Calculator

This calculator shows what Square charges for card payments across 8 supported countries. Select your country, choose a Square plan, pick a transaction type, and use one of three calculation modes to find fees, required charge amounts, or net payout amounts.

Selecting Your Country

Open the Country/Region combobox and type to search through Square-supported markets. Each country shows its local currency symbol alongside the name. Rates are country-specific.

Choosing a Square Plan

Select your Square subscription plan from the dropdown:

• Square Free ($0/month): Standard rates
• Square Plus ($49/month): Lower in-person and online rates in the US
• Square Premium ($149/month): Lowest in-person rates in the US

The transaction type dropdown updates dynamically after selecting a country and plan, showing the exact percentage and fixed fee for each type. For example, after selecting the United States and Free plan, the dropdown shows rates from Square's official pricing:

• In-Person / Tap to Pay (2.6% + $0.15)
• Online / Invoices (3.3% + $0.30)
• Online API / eCommerce (2.9% + $0.30)
• Manual Entry / Card on File (3.5% + $0.15)
• ACH via Invoice (1%, $1 min)
• ACH via API (1%, $1 min, $5 cap)

Note: Plan discounts currently apply only in the United States. In Canada, Australia, the United Kingdom, Ireland, France, Spain, and Japan, rates are the same across all plans.

Choosing a Transaction Type

After selecting a country and plan, pick a transaction type from the dropdown. Available types vary by country:

• In-Person / Tap to Pay: Card-present transactions using Square Reader, Terminal, or Tap to Pay on mobile
• Online / Invoices: Payments through Square Online, payment links, or invoices
• Online API / eCommerce: Payments via Square Developer APIs or integrated e-commerce platforms
• Manual Entry / Card on File: Card-not-present transactions keyed in manually or stored cards
• ACH via Invoice: Bank transfer payments through Square Invoices (US only)
• ACH via API: Bank transfer payments via Square APIs (US only)

ACH bank transfers are only available in the United States. All other countries show the first four transaction types.

Calculation Modes

The calculator has three tabs. Results are preserved when you switch tabs, so you can compare different modes without re-entering data.

Calculate Fee

Enter a transaction amount to see the total Square fee and what you actually receive.

Example: A $100 sale in the United States on the Free plan using In-Person:

• Percentage fee: 2.6% of $100 = $2.60
• Fixed fee: $0.15
• Total Square fee: $2.75
• You receive: $97.25

Standard formula: fee = (amount × percentage / 100) + fixedFee

ACH formula: fee = max(min(amount × percentage / 100, maxFee), minFee)

Amount to Send

Enter the amount you want to receive after fees. The calculator works out the gross charge amount you need to process.

Example: You want to receive exactly $100 in the United States via In-Person on the Free plan:

• Required charge amount: $102.82341
• Square fee deducted: $2.8234086
• You receive: $100

Standard formula: amountToSend = (desiredAmount + fixedFee) / (1 - percentage / 100)

You Receive

Enter the amount you are charging to see what remains after Square deducts its fee.

Example: You charge $100 in the United States via In-Person on the Free plan:

• Square fee: $2.75
• You receive: $97.25

Standard formula: received = sendAmount - (sendAmount × percentage / 100) - fixedFee

Fee Breakdown Table

After each calculation, a detailed breakdown table appears below the result showing:

Precision and Notation Settings

Use the settings bar above the tabs to control how results display:

• Decimal places: Adjust from 0 to 16 decimal places (default is 8)
• Notation: Switch between auto, fixed, exponential, and engineering notation (default is auto)

Your decimal places and notation settings save to your browser automatically. When you return to this calculator, your last chosen format loads without needing to adjust it again.

Supported Countries and Currencies

The calculator covers 8 countries where Square operates, per Square's global page:

Supported Currencies

ACH Bank Transfer Fees (US Only)

ACH payments in the United States use percentage-based fees with minimum and maximum constraints. The calculated fee is the percentage of the transaction amount, but it cannot fall below the minimum or exceed the cap:

How constraints work:

• A $200 ACH payment via Invoice on the Free plan costs $2.00 (1% of $200)
• A $50 ACH payment via Invoice on any plan costs $1.00 because the $1 minimum applies
• A $2,000 ACH Invoice payment on Plus or Premium caps at $10 instead of $20
• A $500 ACH API payment on any plan costs $5.00 (1% of $500), which is within the $5 cap

Common Use Cases

Comparing Square Plans

Before choosing a plan, compare how the tiers affect your fees:

1. Select Calculate Fee
2. Enter a typical transaction amount
3. Try Free, then Plus, then Premium
4. See how in-person and online rates decrease with higher tiers in the US

Pricing a Product

You sell an item for $75 and want to know what Square takes:

1. Select Calculate Fee
2. Enter 75
3. Choose your country, plan, and In-Person
4. Fee appears instantly with the net amount you keep

Sending an Exact Amount

You need to pay a vendor exactly $500 and want to absorb the processing fee:

1. Select Amount to Send
2. Enter 500 as the desired amount
3. Choose the appropriate country, plan, and transaction type
4. The calculator shows the exact gross charge amount to process

Quoting a Client

A client agrees to pay you $1,000 via Square Invoice. Before accepting, check what you actually receive:

1. Select You Receive
2. Enter 1000
3. Select your country, plan, and transaction type
4. See the net amount after all fees

Regional Rate Highlights

Rates vary significantly by country:

Tips for Accurate Calculations

1. Pick the correct country: Rates differ significantly. Australia charges 1.6% for in-person while Japan charges 3.25%
2. Select the right plan: Plan discounts only apply in the United States. For other countries, plan selection does not affect rates
3. Choose the right transaction type: Online and manual entry carry higher rates than in-person payments
4. Watch ACH constraints: US ACH fees have minimums and caps that can override the standard percentage calculation
5. Use Amount to Send for payouts: When you need the recipient to get an exact figure, this mode prevents shortfalls

Troubleshooting

Please enter valid numbers

This appears when the input contains non-numeric characters. Enter a valid number without currency symbols or commas.

Values must be positive

All amounts must be greater than zero. Enter a positive number.

Amount too small to cover fees

This appears when the fixed fee or ACH minimum alone exceeds your input amount. Enter a larger value.

Fee percentage must be less than 100% for this calculation

This rare error appears in the Amount to Send mode if the fee percentage is 100% or higher, which would require division by zero.

Results do not match Square's dashboard

Rates change by country and Square occasionally updates pricing. This calculator uses the latest verified rates from Square's official pricing. If you see a discrepancy, verify your country, plan, and transaction type selections match how the payment was actually processed.