Square Fee Calculator

Guide

About the Square Fee calculator

Our Square fee calculator is a free, instant tool that shows exactly how much Square deducts from a payment and how much money reaches your account. Square is popular precisely because it has no monthly fee on its standard plan and no long-term contract — you only pay per transaction. But that per-transaction rate is not a single number: it changes with how you take the payment, which country you're in, and where the customer's card was issued. This calculator removes the guesswork so you can price correctly and protect your margin.

Square's rates depend on how you take the payment

The single most important thing to understand about Square's pricing is that the same sale costs different amounts depending on the payment method. In the United States on the free plan, an online or e-commerce payment is 3.3% plus $0.30, an in-person tap, dip or swipe is 2.6% plus $0.15, and a card you key in by hand (or charge from a saved card on file) is 3.5% plus $0.15. Keyed-in and online payments cost more because the card isn't physically present, which carries more fraud risk. Choose the payment type above and the calculator applies the exact matching rate, so the result reflects how you actually get paid.

How the fee is calculated

The math is straightforward: fee = (amount × rate%) + fixed fee, and your net is the amount minus that fee. The fixed component matters most on small sales — on a $4 coffee paid in person, the $0.15 fixed fee is already part of the cost before the percentage applies — which is why the effective rate on tiny transactions is higher than the headline percentage. The calculator surfaces this effective rate so you can see the true cost of each sale. If you need to receive an exact amount after fees, switch to reverse mode and it grosses the charge up for you using charge = (target + fixed) ÷ (1 − rate).

Country differences, foreign cards and tax

Square publishes different rates in each country it operates in — the United States, Canada, Australia, Japan, the United Kingdom, Ireland, France and Spain. Some markets have no fixed fee at all (Australia is a flat 2.2%, Japan a flat 3.6%), while others are lower on percentage but add a fixed fee (the UK online rate is just 1.4% + 20p for UK cards). Cards issued outside your country can cost more: Canada, Ireland, France and Spain add a foreign-card surcharge, and in the UK a non-UK card moves the online rate from 1.4% to 2.5%. Ireland also applies 23% VAT on top of Square's fee, which the calculator shows as a separate line. Select your country and toggle the foreign-card option to see the accurate figure.

Who this tool is for

Retailers and cafés use it to understand the real cost of in-person card taps. Online sellers and service businesses use the online rate to price products and subscriptions. Freelancers and trades who key in card numbers or send invoices use it to check what keyed-in payments really cost. And anyone quoting a fixed take-home amount can use reverse mode to work out what to charge. Everything runs in your browser — no signup, no data leaves your device, and it works on a phone at the counter.

Keeping the numbers accurate

Payment pricing changes, so every Square rate here is taken from Square's official country pricing pages, stored in one dated source file, and stamped with a "fees last verified" date that's shown on the page. These figures reflect Square's standard free-plan pricing; paid plans (Plus and Premium) and high-volume sellers can negotiate lower rates, and additional costs such as chargebacks, refunds and currency conversion can apply. Always confirm the final figure in your Square Dashboard before making pricing decisions — but for fast, reliable everyday estimates of what you'll actually keep, this calculator gives you the real cost of getting paid with Square.