SellerFeeHQ
Square

Square fee calculator

Square charges a flat processing rate with no monthly fee: 2.6% + $0.10 for in-person card payments and 2.9% + $0.30 for online or keyed-in sales. Like Stripe, Square is a payment processor rather than a marketplace, so there is no listing or final value fee. Enter your sale amount to see the processing fee, the net deposited to your account, and your profit after costs.

Rates checked 25 July 2026

You keep

$33.99

Total fees
$1.01
Effective rate
2.9%
Profit
$23.99
Gross sale$35.00
Payment processing2.6% × $35.00 + $0.10−$1.01
Total fees−$1.01
Net payout$33.99
Less item cost & shipping ($10.00)$23.99

Profit margin 68.5% of item price

Unaffiliated with Square. Fee rates are published rates as of 25 July 2026 and may not reflect your account’s negotiated or promotional rates. Source: Square fees page.

Worked example: a $35.00 Square sale

Suppose you sell an item for $35.00 with no shipping charge. The gross sale is $35.00. Here is how Square arrives at what you keep:

  • Payment processing (2.6% × $35.00 + $0.10)−$1.01

Total fees come to $1.01 (2.9% of the gross sale), leaving a net payout of $33.99. After your $10.00 item cost, the profit is $23.99 — a 68.5% margin on the item price.

How Square fees work

Square's pricing is a flat rate per transaction with no monthly commitment. In-person card payments cost 2.6% + $0.10, while online, invoiced, or manually keyed sales cost more because they carry higher fraud risk — typically 2.9% + $0.30 online. International cards and currency conversion add a surcharge. Square offers custom pricing for high-volume sellers, and its separate tools (Payroll, Marketing) carry their own fees, but the core payment processing is just the per-transaction rate.

Frequently asked questions

What does Square charge per transaction?
Square charges 2.6% + $0.10 for in-person card payments and 2.9% + $0.30 for online or keyed-in sales. There is no monthly fee for the standard account.
Why does Square charge more for online sales?
Card-not-present transactions carry a higher risk of fraud and chargebacks, so Square (like most processors) charges a higher rate for online and keyed-in payments than for in-person taps and dips.
Does Square charge a monthly fee?
No. The standard Square account is free month to month; you only pay the per-transaction rate when you take a payment. Optional add-ons like Payroll cost extra.
Does Square add fees for international cards?
Yes. Payments made with a card issued outside your country add an international surcharge, and currency conversion adds a further spread.

Other fee calculators

Selling on more than one? Compare what every marketplace takes on the same sale, or read how to price an item to cover its fees.