A Square fee calculator estimates the processing fee, net payout, gross-up price, and profit impact for a seller payment. Enter a sale amount, choose the payment type, and see what your business keeps after Square and selling costs.
Rates are planning estimates for US sellers and may vary by country, account, card type, hardware, Square product, and custom pricing agreement.
Current estimate uses a 0.03% rate plus $0.15.
$102.82
Estimated Square fee on that gross price: $2.82.
Square fees depend on the payment type. A common US estimate is 2.6% plus $0.15 for in-person payments, 2.9% plus $0.30 for online payments, 3.3% plus $0.30 for invoices, and 3.5% plus $0.15 for manually keyed cards.
Multiply the sale amount by the percentage rate, then add the fixed transaction fee. For example, a $100 in-person sale at 2.6% plus $0.15 has an estimated Square fee of $2.75 and a net payout of $97.25.
Use the gross-up result. It solves for the customer price needed after Square deducts the percentage fee and fixed fee, so you can price around a target net payout.
Yes. Online and invoice payments usually cost more than tapped, dipped, or swiped in-person payments because card-not-present payments carry more processing risk.
Payment processing fees are commonly treated as business expenses, but tax handling depends on your business structure and location. Keep records and ask a qualified tax professional for advice.
Compare Square fees with marketplace costs, margins, and product economics.
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