Payments
Square fee calculator
In-person, online and invoiced card payments.
Square prices by channel rather than by card. Taking the same money in person is materially cheaper than taking it through an online checkout or an invoice, and the paid plans buy the in-person rate down further.
The sale
Optional — for profit
On a $51.00 sale, Square takes $1.98 — 3.9% of what the buyer paid — and $49.02 reaches you. You keep 96.1% of the order.
Every line of it
| Buyer pays | item + shipping | $51.00 |
Online / invoice rate | 3.3% of $51.00 | −$1.68 |
Per-transaction fee | $0.30 flat | −$0.30 |
| Total fees | −$1.98 | |
| Reaches your account | $49.02 | |
On this sale, Square ranks 4 of 16 for what reaches you.
Compare all platformsWhat this calculator does not cover
- Square Plus and Premium carry their own subscription costs, which vary by the business type you sign up under, so they are not added here.
- Manually keyed and card-on-file rates differ from the channels above.
Square fees: common questions
How much does Square take from a $50 sale?
$1.95 on a $50 sale, leaving you $48.05 — an effective rate of 3.9%. On $100 it is $3.60, leaving $96.40. The rate differs between the two because Square charges a fixed amount per transaction as well as a percentage, so the flat part weighs more heavily on smaller orders.
What are Square's fees, exactly?
On a $50 sale, Square charges online / invoice rate of $1.65 (3.3% of $50.00), per-transaction fee of $0.30 ($0.30 flat). That comes to $1.95 in total. There is no monthly fee.
Does Square charge fees on shipping?
Yes. Square calculates its percentage on the order total, which includes the shipping you charged the buyer. A $50 item with free shipping costs $1.95 in fees; the same item with $10 shipping costs $2.28 — $0.33 more, on shipping money that mostly goes to the carrier. Raising your shipping price raises your Square bill.
What should I charge on Square to keep $50?
Work it backwards rather than guessing: at Square's rates you have to charge more than $50 to keep $50, because the fee is taken from what the buyer pays. The what-to-charge calculator solves for the exact price, including the flat per-transaction fee, and rounds up to the cent so you are never left short.
What does this Square calculator not include?
Square Plus and Premium carry their own subscription costs, which vary by the business type you sign up under, so they are not added here.
Are these Square fees up to date?
They were read from Square's own published fee schedule on August 28, 2026, and the source is linked on this page so you can check it yourself. An automated check re-reads every source page weekly and flags any that have changed. Fee schedules do move without notice, so where this page and Square disagree, Square is right.
That is what Square takes. What the unit actually earns is another question again, once shipping, advertising and the orders that come back are in the picture — work out the true margin.
Other calculators
These calculators are free, and they stay free
There is no account, no email wall and nothing for sale here, which is deliberate — it is what lets the site publish what platforms actually charge and link to where each rate came from. Re-reading ten fee schedules every week is the unglamorous part, and it is what keeps the numbers worth trusting. If that saved you a bad listing decision, you are welcome to put a little toward the domain and the hosting. If it did not, please do not.
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