Square Fee Calculator
Calculate your Square payment processing fees for online and in-person transactions.
Transaction Details
Latest Rates
Updated for 2026. Fees apply to standard processing plans.
Payout Summary
How Square Credit Card Fees Work
Square provides a highly predictable flat-rate pricing system for businesses. Fees are determined solely by how a card is read during a transaction, rather than the type of credit card used.
- Tapped, Dipped, or Swiped: 2.6% + $0.10 per transaction (standard reader / Register).
- Square Online Store & APIs: 2.9% + $0.30 per transaction.
- Keyed-in or Card-on-File: 3.5% + $0.15 per transaction.
Reverse Square Fee Calculations
Sometimes you need to ensure you receive a specific target payout amount from a client. In this case, a standard calculation won't workâyou need a reverse square fee calculator.
Our calculator supports this advanced feature automatically. Simply toggle the calculation direction or type in the desired payout, and the tool will calculate precisely what you must invoice the client to cover Square's transaction fees.
Frequently Asked Questions
Got questions? We've got answers about fees, payouts, and selling strategies.
What is the Square processing fee in 2026?
In 2026, Square's standard processing fee is 2.6% + $0.10 for in-person transactions (tapped, dipped, or swiped cards), 2.9% + $0.30 for online store sales, invoices, and API integrations, and 3.5% + $0.15 for keyed-in or card-on-file payments.
What is a reverse Square fee calculation?
A reverse Square fee calculation determines the target billing amount you need to invoice a client so that, after Square's credit card processing fees are deducted, you receive your exact desired net payout.
Does Square charge a monthly fee?
No, standard Square accounts have no monthly fees, no setup fees, and no contract termination fees. You only pay standard transaction processing fees per transaction.
Is there a free Square fee calculator app?
Yes, our browser-based Square fee calculator is 100% free to use. It works perfectly on desktop and mobile devices, operating as an instant web-app without needing any download or installation.
How much does Square charge to manually enter a card?
Keyed-in transactions and card-on-file payments carry a higher fee of 3.5% + $0.15 due to the higher risk of fraud associated with manual card entry.
How do historical Square fees compare?
Square's standard in-person processing rate has remained stable at 2.6% + $0.10, while online store payments have stayed at 2.9% + $0.30 over recent years. You can check legacy calculations for the square fee calculator 2022 and square fee calculator 2024 using our comparison tool, or compute current rates with the square fee calculator 2025 and square fee calculator 2026 options.