Square fee calculator
On Square Free, standard US card processing is 2.6% + $0.15 in person and 3.3% + $0.30 online or by invoice. Paid plans and API payments can use lower online rates, while manual entry costs more. Square is a payment processor rather than a marketplace, so enter the payment amount and method to model the processing deduction.
Rates checked 25 August 2026
You keep
$33.94
- Total fees
- $1.06
- Effective rate
- 3.0%
- Profit
- $23.94
Profit margin 68.4% of item price
Unaffiliated with Square. Fee rates are published rates as of 25 August 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 + $0.15)−$1.06
Total fees come to $1.06 (3.0% of the gross sale), leaving a net payout of $33.94. After your $10.00 item cost, the profit is $23.94 — a 68.4% margin on the item price.
Source-checked fee snapshot at $35.00
These models use a common item price with no shipping, ads, item cost, or cross-border surcharge. Each product keeps its own default sale type, category, plan, and payment method, so the table compares modeled seller deductions — not equivalent services or total buyer cost. Square’s modeled deduction is $1.06 (3.0%).
| Product | Modeled deduction | Effective rate | Seller proceeds |
|---|---|---|---|
| Squarethis page | $1.06 | 3.0% | $33.94 |
| Stripe | $1.32 | 3.8% | $33.68 |
| PayPal | $1.71 | 4.9% | $33.29 |
| Reverb | $3.36 | 9.6% | $31.64 |
| Mercari | $3.50 | 10.0% | $31.50 |
| Etsy | $3.78 | 10.8% | $31.22 |
| Whatnot | $4.12 | 11.8% | $30.88 |
| eBay | $5.16 | 14.7% | $29.84 |
| Poshmark | $7.00 | 20.0% | $28.00 |
USD schedules marked source-checked, ordered by modeled effective rate. Taxes, buyer-paid fees, subscriptions, negotiated rates, promotions, and service differences may not be included. See each calculator and the methodology for assumptions, sources, and verification dates.
How Square fees work
Square Free charges 2.6% + $0.15 for standard US in-person card payments, 3.3% + $0.30 online or by invoice, and 3.5% + $0.15 for manually entered or card-on-file payments. Published paid-plan and US ecommerce API rates can be 2.9% + $0.30. International cards add 1.5%. Plan pricing and negotiated high-volume rates can differ.
Frequently asked questions
- What does Square charge per transaction?
- Square Free charges 2.6% + $0.15 for in-person card payments, 3.3% + $0.30 online or by invoice, and 3.5% + $0.15 for manual entry or card-on-file payments. Paid plans and API rates can differ.
- 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. Square currently adds 1.5% for a card issued outside the seller's home country. Currency conversion can add separate costs.
Other fee calculators
- eBay fee calculator
- PayPal fee calculator
- Etsy fee calculator
- Whatnot fee calculator
- Poshmark fee calculator
- Stripe fee calculator
Selling on more than one? Compare source-checked USD fee models at a common item amount, or read how to price an item to cover its fees.