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Square Fee Calculator (2026): Fees & Reverse Invoice Calculator

See exactly how much Square takes from a payment at 3.3% + $0.30 per domestic transaction, including international card and currency conversion surcharges, or flip to reverse mode to find the invoice amount that leaves you with 100% of your target after fees.

Data as of November 2026

Calculation mode
$
Transaction type

You receive

$966.70

From a $1,000.00 payment via Square

Square fee

$33.30

3.3% + $0.30

Effective fee rate

3.33%

of the payment amount
Payment breakdown
Net payout to you: $966.70Square processing fee: $33.30
  • Net payout to you$966.7097%
  • Square processing fee$33.303%

Same payment on every platform

PlatformFeeYou receive
2.9% + $0.30$29.30$970.70
3.3% + $0.30$33.30$966.70
3.49% + $0.49$35.39$964.61
5% + $0.50$50.50$949.50
10% + $0.50$100.50$899.50

Card processing only. Payout, dispute and add-on product fees are separate.

Square fees explained

Square charges 3.3% + 30¢ for invoices paid online by card on the free plan. There is no extra percentage for cards issued outside the US, but every payment settles in the seller's local currency.

Best for:Service businesses that combine in-person card payments with online invoices.

Square pricing details
Domestic card rate3.3% + $0.30
International card surchargeNone
Currency conversionNone / not offered
Chargeback / dispute feeNone
Monthly feeNone
Merchant of recordNo
Payout speed1–2 business days; instant transfer for a fee

How to pass Square fees to your client

To receive a specific amount after fees, gross up the invoice: charge = (target + fixed fee) ÷ (1 − percentage rate), rounded up to the next cent. With Square's 3.3% + $0.30 rate, receiving exactly $1,000 means invoicing $1,034.44, so the client covers$34.44 in fees and you net $1,000.00. Simply adding 3.3% to the invoice is not enough, because Square also takes its percentage from the extra amount.

Square vs. other payment platforms

Fees on domestic card payments of different sizes. Ranked by what you keep from a $1,000 payment.

PlatformRateFee on $100Fee on $500Fee on $1,000Fee on $5,000Invoice to net $1,000
Stripe2.9% + $0.30$3.20$14.80$29.30$145.30$1,030.18
Square3.3% + $0.30$3.60$16.80$33.30$165.30$1,034.44
PayPal3.49% + $0.49$3.98$17.94$35.39$174.99$1,036.67
Lemon Squeezy5% + $0.50$5.50$25.50$50.50$250.50$1,053.16
Gumroad10% + $0.50$10.50$50.50$100.50$500.50$1,111.67

Square pros

  • No separate international card surcharge
  • No chargeback fee
  • Free invoicing, estimates and point-of-sale tools

Square cons

  • Online invoice rate is higher than the in-person rate
  • Can only accept payments in your home currency
  • Fewer subscription and developer features than Stripe

Frequently asked questions

How much does Square charge per transaction?

Square's standard rate is 3.3% + $0.30 per domestic transaction. There is no extra percentage for international cards or currency conversion. On a $1,000 payment you would pay $33.30 in fees and receive $966.70.

How do I pass Square fees on to my client?

Use the reverse (gross-up) formula: add the fixed fee to the amount you want to receive, then divide by one minus the percentage rate. To receive exactly $1,000 through Square on a domestic payment, invoice $1,034.44. Some US states and card network rules restrict credit card surcharges, so label it as a service or processing fee and check the rules where your client is located.

Is Square cheaper than other payment platforms?

On a $1,000 domestic payment, Square keeps $33.30. In our comparison the cheapest option is Stripe at $29.30, and the most expensive is Gumroad at $100.50. Square is not a merchant of record, so sales tax and VAT collection remain your responsibility.

Does Square charge for ACH bank transfer invoices?

Square charges 1% per ACH bank transfer on invoices, with a minimum fee of $1. For large B2B invoices this is much cheaper than a card payment, so offering ACH can save you hundreds of dollars.