Square fees, 2026
Every published Square rate and charge we track — updated continuously by our scrapers, with historical prices preserved so you can see exactly what changed and when. Across real merchant statements, the blended effective rate lands around 2.79%.
Updated 2026-10-25Headline rate: 2.9% + $0.30 online · 2.6% + $0.15 in person
Point of SaleUS
Free plan
| Fee | Amount |
|---|---|
| Monthly subscription | $0/mo per location |
Plus plan
| Fee | Amount |
|---|---|
| Monthly subscription | $49/mo per location |
Premium plan
| Fee | Amount |
|---|---|
| Monthly subscription | $149/mo per location |
Payment ProcessingUS
| Fee | Amount |
|---|---|
| ACH bank transfer (via API) | 1% (min $1, max $5) |
| Afterpay (BNPL) | 6% + $0.30 |
| Keyed / card-on-file rate | 3.5% + $0.15 |
| Online API rate | 2.9% + $0.30 |
Square Premium plan
| Fee | Amount |
|---|---|
| In-person card rate | 2.4% + $0.15 |
| Online card rate | 2.9% + $0.30 |
| ACH bank transfer (via invoice) | 1% (min $1, max $10) |
Square Plus plan
| Fee | Amount |
|---|---|
| In-person card rate | 2.5% + $0.15 |
| Online card rate | 2.9% + $0.30 |
| ACH bank transfer (via invoice) | 1% (min $1, max $10) |
Square Free plan
| Fee | Amount |
|---|---|
| In-person card rate | 2.6% + $0.15 |
| Online card rate | 3.3% + $0.30 |
| ACH bank transfer (via invoice) | 1% (min $1) |
Payment ProcessingCA
Free plan
| Fee | Amount |
|---|---|
| In-person card rate | 2.65% + CA$0.10 |
| Online card rate | 2.9% + CA$0.30 |
Price history
Superseded prices we captured before they changed — the record providers do not publish.
| Fee | Was | In effect |
|---|---|---|
| ACH bank transfer (via invoice) | 1% (min $1, max $10) | 2026-10-13 → 2026-10-15 |
| ACH bank transfer (via invoice) | 1% (min $1) | 2026-10-13 → 2026-10-15 |
| ACH bank transfer (via invoice) | 1% (min $1, max $10) | 2026-10-13 → 2026-10-15 |
| ACH bank transfer (via invoice) | 1% (min $1, max $10) | 2026-10-03 → 2026-10-13 |
| ACH bank transfer (via invoice) | 1% (min $1) | 2026-10-03 → 2026-10-13 |
| ACH bank transfer (via invoice) | 1% (min $1, max $10) | 2026-10-03 → 2026-10-13 |
| ACH bank transfer (via invoice) | 1% (min $1, max $10) | 2026-09-29 → 2026-10-03 |
| ACH bank transfer (via invoice) | 1% (min $1, max $10) | 2026-09-29 → 2026-10-03 |
| ACH bank transfer (via invoice) | 1% (min $1) | 2026-09-29 → 2026-10-03 |
| ACH bank transfer (via invoice) | 1% (min $1, max $10) | 2026-01-14 → 2026-09-29 |
| ACH bank transfer (via invoice) | 1% (min $1, max $10) | 2026-01-14 → 2026-09-29 |
| ACH bank transfer (via invoice) | 1% (min $1) | 2026-01-14 → 2026-09-29 |
| In-person card rate | 2.6% + $0.10 | 2023-12-31 → 2025-11-03 |
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