Square Fees (2026): Per Transaction Rates, Online vs In-Person, How to Calculate
Published on January 26, 2026
If you’re pricing products or comparing payment processors, the key is to model Square fees as percent + fixed fee per transaction. This guide shows the formula and how to estimate net profit per sale.
Formula snapshot
Fee base = payment amountSquare fee = amount × rate + fixed fee
Tip: if you also pay marketplace/platform fees, add them to get your total effective fee rate.
Square fees per transaction: what to check
- Payment type: online vs in-person rates may differ.
- Fixed fee: many processors add a fixed amount per transaction.
- Add-ons: international, FX, disputes, or product-specific add-ons can change your effective cost.
Source
Verify your current rates in Square’s official pricing pages and in your Square dashboard, then model them in the calculator. Square pricing.
FAQ
What are Square fees?
Square fees are typically charged per transaction as a percent of the payment amount plus a fixed fee. Rates can differ between online payments and in-person card-present payments.
How do I calculate Square fees?
Use: payment amount × rate + fixed fee. If you also pay platform fees (like a marketplace fee), add those to estimate total fees and net profit.
What are Square fees per transaction (online vs in-person)?
Square publishes different rate schedules for online and in-person payments. Use your Square pricing page for your country and product, then model the percent + fixed fee in a calculator.
Why do people search “Square fees 2025”?
Fee tables change over time and people often search by year. Always verify the latest schedule on Square’s official pricing page, then update your fee model.
Do Square fees apply to shipping and tax?
Square processes the payment amount you capture, which can include shipping and tax depending on how you charge customers. Model fees on the amount processed.