Square Fee Calculator (United States)
Calculate exact Square United States merchant fees, processor losses, and net payouts in USD.
Accept card payments in-person and online with Square
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Monthly Volume Breakdown
Estimated cumulative fee losses on Square across monthly sales tiers in USD.
| Volume Tier | Monthly Sales | Square Fees | Net Take-Home Payout | Effective Cost % |
|---|---|---|---|---|
| Starter | $500.00 | -$15.00 | $485.00 | 3.00% |
| SMB Merchant | $2,500.00 | -$67.65 | $2,407.35 | 2.73% |
| Mid-Market Store | $10,000.00 | -$267.26 | $9,692.74 | 2.68% |
| High-Volume Enterprise | $50,000.00 | -$1,320.00 | $48,680.00 | 2.64% |
Example Transaction Scenarios
Real-world math illustrating how Square fees perform under different order sizes.
In-Person Retail Sale ($40)
Low fixed 10¢ fee provides great margin on physical point-of-sale transactions.
Online Store Checkout ($120)
Square Online ecommerce rate card matches standard domestic web checkout fees.
Keyed Card Entry ($350)
Manual keyed entry incurs a 3.5% + $0.15 risk surcharge due to missing EMV chip verification.
Important Square Rate Terms & Fine Print
- • Manual keyed-in card entries incur a higher 3.5% + $0.15 risk rate.
Regulatory Context & Calculation Methodology
Localized Regulatory Context (United States)
Square offers transparent flat-rate pricing with lower fixed fees ($0.10) for in-person dip/tap/swipe sales (2.6% + $0.10) compared to online transactions (2.9% + $0.30).
How the Square United States Calculation Works
When processing a transaction on Square in United States, the total fee is computed using a combination of a fixed transaction charge ($0.1) and a percentage fee (2.6%).
Frequently Asked Questions
Common merchant processing questions and rate card rules.