How much does Square take from a $100 sale?

A US seller on the Square Free plan pays 2.6% + $0.15 to take a card in person, which is $2.75 on $100, leaving $97.25. The same sale taken online or paid on an invoice costs 3.3% + $0.30, so the fee is $3.60 and you keep $96.40.

Why does a keyed-in card cost more than a tap?

Because Square prices by how much it can verify. Tapping, dipping or swiping a card in front of you is 2.6% + $0.15 in the US; typing the number in, or charging a card you have on file, is 3.5% + $0.15, which on $100 is $3.65 instead of $2.75. Online payments through a Square site or payment link sit between the two at 3.3% + $0.30.

Does Square charge extra for a card issued in another country?

In the US, the UK and Canada, yes: Square adds 1.5% to the base rate for a card issued outside your account's country. A US in-person sale of $100 therefore costs $4.25 rather than $2.75. The surcharge is not charged on Afterpay, and Square publishes no international rate at all for Australia.

What does Square charge outside the United States?

Each market has its own schedule. The UK is 1.75% in person and 1.4% + £0.25 online for UK cards; Canada is 2.5% card present and 2.8% + CA$0.30 card not present; Australia is 1.6% in person and 2.2% online. Switch the country in the calculator and every figure, including the currency, changes with it.

How much does Square charge for Afterpay?

Afterpay is priced separately from card processing: 6% + $0.30 in the US, so on $100 the fee is $6.30 and you keep $93.70. Square's UK schedule lists the same rate under Clearpay, Afterpay's UK brand. The international-card surcharge does not apply on top of it.

How do I set a price so I keep a specific amount?

Switch the calculator to "I want to net" and enter what you want to keep. Because the fee is charged on the full amount the customer pays, adding the rate to your target is not enough: to keep $100 on an in-person card sale you charge $102.82, and online you charge $103.72. The calculator finds the smallest price whose net lands within one cent of your target.

Square fee calculator

As of 3 September 2026, Square charges US sellers 2.6% + $0.15 on in-person card payments, 3.3% + $0.30 online or on invoices, and 3.5% + $0.15 on a manually keyed card, on its no-monthly-fee Square Free plan.

Verified 3 September 2026 against Square’s official fee page. Effective from 3 September 2026. Changelog

Your country

Payment method

Buyer is in

You keep

$97.25

You charge

$100.00

In-person — tap, dip, or swipe: $2.75
Total fees: $2.75
Effective rate: 2.75%

Square fees by country

Every rule on Square’s official schedule for the 4 countries this calculator covers, as of 3 September 2026. The international-card fee is added to the base rate and never applies to Afterpay; the United Kingdom instead prices an online payment from a non-UK card as a single 2.5% + £0.25 total, and Australia publishes no rate for cards issued abroad. US rates are the Square Free plan, so Square Plus and Square Premium subscribers pay less.

United States

United Kingdom

Canada

Australia

Square fees for United States, effective 3 September 2026. Amounts in USD.
Fee	Applies to	Rate
In-person — tap, dip, or swipe	In person	2.6% + $0.15
Online	Online	3.3% + $0.30
InvoicesSquare prices online card payments and card payments on invoices at the same rate on the Square Free plan.	Invoices	3.3% + $0.30
Manually keyed or card on file	MOTO (manually keyed)	3.5% + $0.15
Afterpay	Afterpay	6% + $0.30
International card surchargeDoes not apply to Afterpay, ACH, Cash App Pay, Bitcoin, or EBT payments, per the same source page.	In person, Online, MOTO (manually keyed), Invoices; international buyer	1.5%

Source: squareup.com/us/en/pricing, verified 3 September 2026.

Square fees for United Kingdom, effective 3 September 2026. Amounts in GBP.
Fee	Applies to	Rate
In person	In person	1.75%
Online (UK-issued card)	Online; domestic buyer	1.4% + £0.25
Online (non-UK-issued card)Square publishes this as a standalone total for non-UK cards, not as the domestic online rate plus the general 1.5% surcharge below.	Online; international buyer	2.5% + £0.25
Manually entered	MOTO (manually keyed)	2.5%
Invoices	Invoices	2.5%
ClearpaySquare's UK buy-now-pay-later partner is Clearpay (Afterpay's UK brand).	Afterpay	6% + £0.30
International card surcharge (in person, manually entered, invoices)Stacks on the base in-person, manually-entered or invoice rate; online has its own non-UK total instead (see square.gb.online.international).	In person, MOTO (manually keyed), Invoices; international buyer	1.5%

Source: squareup.com/gb/en/pricing, verified 3 September 2026.

Square fees for Canada, effective 3 September 2026. Amounts in CAD.
Fee	Applies to	Rate
Credit card present	In person	2.5%
Card not present (online)	Online	2.8% + CA$0.30
InvoicesSquare's "Card not present" category is defined to include paying an invoice online, at the same rate.	Invoices	2.8% + CA$0.30
Keyed in	MOTO (manually keyed)	3.3% + CA$0.15
Afterpay	Afterpay	6% + CA$0.30
International card surchargeDoes not apply to Afterpay or Interac payments, per the same source page.	In person, Online, MOTO (manually keyed), Invoices; international buyer	1.5%

Source: squareup.com/ca/en/pricing, verified 3 September 2026.

Square fees for Australia, effective 3 September 2026. Amounts in AUD.
Fee	Applies to	Rate
In person	In person	1.6%
Online	Online	2.2%
InvoicesSquare's "Online" category is defined to include paying an invoice online, at the same rate; "MOTO" (manually keyed) also lists invoices at the identical 2.2%.	Invoices	2.2%
MOTO (manually keyed)	MOTO (manually keyed)	2.2%
AfterpayRate is stated excluding GST, consistent with Square AU's other quoted amounts.	Afterpay	6% + A$0.30

Source: squareup.com/au/en/pricing, verified 3 September 2026.

How much does Square take from a $100.00 payment?

For in person in United States, Square charges 2.6% of the amount plus a fixed $0.15. Each fee line is rounded half-up to the nearest cent, as the platform bills it, and what you keep is the amount minus the sum of those lines.

Domestic in person payment: on $100.00 you pay $2.75 (in-person — tap, dip, or swipe), and keep $97.25, an effective rate of 2.75%.

The same payment from a buyer abroad: on $100.00 you pay $2.75 (in-person — tap, dip, or swipe) and $1.50 (international card surcharge), $4.25 in total, and keep $95.75, an effective rate of 4.25%.

The same payment taken online or on an invoice: on $100.00 you pay $3.60 (online), and keep $96.40, an effective rate of 3.6%.

A manually keyed card or a card on file: on $100.00 you pay $3.65 (manually keyed or card on file), and keep $96.35, an effective rate of 3.65%.

The same payment split with Afterpay: on $100.00 you pay $6.30 (afterpay), and keep $93.70, an effective rate of 6.3%.

Frequently asked questions

How much does Square take from a $100 sale?: A US seller on the Square Free plan pays 2.6% + $0.15 to take a card in person, which is $2.75 on $100, leaving $97.25. The same sale taken online or paid on an invoice costs 3.3% + $0.30, so the fee is $3.60 and you keep $96.40.
Why does a keyed-in card cost more than a tap?: Because Square prices by how much it can verify. Tapping, dipping or swiping a card in front of you is 2.6% + $0.15 in the US; typing the number in, or charging a card you have on file, is 3.5% + $0.15, which on $100 is $3.65 instead of $2.75. Online payments through a Square site or payment link sit between the two at 3.3% + $0.30.
Does Square charge extra for a card issued in another country?: In the US, the UK and Canada, yes: Square adds 1.5% to the base rate for a card issued outside your account's country. A US in-person sale of $100 therefore costs $4.25 rather than $2.75. The surcharge is not charged on Afterpay, and Square publishes no international rate at all for Australia.
What does Square charge outside the United States?: Each market has its own schedule. The UK is 1.75% in person and 1.4% + £0.25 online for UK cards; Canada is 2.5% card present and 2.8% + CA$0.30 card not present; Australia is 1.6% in person and 2.2% online. Switch the country in the calculator and every figure, including the currency, changes with it.
How much does Square charge for Afterpay?: Afterpay is priced separately from card processing: 6% + $0.30 in the US, so on $100 the fee is $6.30 and you keep $93.70. Square's UK schedule lists the same rate under Clearpay, Afterpay's UK brand. The international-card surcharge does not apply on top of it.
How do I set a price so I keep a specific amount?: Switch the calculator to "I want to net" and enter what you want to keep. Because the fee is charged on the full amount the customer pays, adding the rate to your target is not enough: to keep $100 on an in-person card sale you charge $102.82, and online you charge $103.72. The calculator finds the smallest price whose net lands within one cent of your target.

Sources and last verified

Every rate above is quoted from Square’s official fee page and checked by a person on 3 September 2026. Cross-checked against the official page at squareup.com/help/us/en/article/5068-what-are-square-s-fees.

Standard published rates only. Your account may have negotiated, promotional or legacy pricing, and the platform can change fees at any time. Confirm figures that matter with Square before relying on them. See the methodology and disclaimer.

Cite this page

Fees.tools. "Square fee calculator". https://fees.tools/square-fee-calculator. Fee data verified 2026-09-03.

APA: Fees.tools. (2026). Square fee calculator. Retrieved 2026-09-03, from https://fees.tools/square-fee-calculator