Does Square charge fees on tax and tips?
Yes. The processing fee is calculated on the total card payment, including any tax and tip.
Square Fee Calculator
Estimate the Square processing fee and your net payout, or find what to charge to receive your target amount.
Your numbers
Rates shown are Square Free plan rates for US accounts (USD). Plus, Premium and custom pricing may differ.
On Square Plus, Premium or custom pricing? Enter the complete percentage, fixed fee, and optional cap.
Enter a whole number, at least 1.
Result
See the Square fee and the amount you receive.
Enter your values to see the result.
Independent calculator. Not affiliated with or endorsed by Square or Block, Inc.
How Square fees work
Square charges one processing fee per card payment, based on how the card is taken. The fee is deducted before funds reach your bank and applies to the full payment, including tax and tip. Cash and check payments recorded in Square have no processing fee.
| Payment type | Fee |
|---|---|
| In person (tap, dip or swipe) | 2.6% + $0.15 |
| Online or invoices | 3.3% + $0.30 |
| Manual entry or card on file | 3.5% + $0.15 |
| Card issued outside the US | +1.5% |
Square Plus and Premium subscriptions have lower in-person and online rates, and larger businesses can ask Square for custom pricing. Use the custom rate option for those plans. Afterpay, ACH bank transfers and gift card loads are outside this calculator, but invoice ACH fees are covered below.
Square fees on a $100.00 payment
| Payment type | Fee |
|---|---|
| In person (tap, dip or swipe) | $2.75 |
| Online or invoices | $3.60 |
| Manual entry or card on file | $3.65 |
Keyed-in and card-on-file payments cost more because neither the card nor the cardholder needs to be present, which carries more risk.
Square invoice fees
On the Square Free plan, a card payment on a Square invoice costs 3.3% + $0.30. How your customer pays changes the fee:
| Invoice paid by | Rate | Fee on $500.00 |
|---|---|---|
| Card, paid online | 3.3% + $0.30 | $16.80 |
| Card on file or entered manually | 3.5% + $0.15 | $17.65 |
| ACH bank transfer | 1%, $1.00 minimum | $5.00 |
ACH bank transfer payments deposited into a Square Checking account have no fee. For large invoices, asking clients to pay by bank transfer can save a lot — on a $500.00 invoice the difference is $11.80. Source: Square fees.
What to charge to receive $1,000.00
For an online or invoice payment at 3.3% + $0.30, charge $1,034.44 to receive $1,000.00 after the $34.44 fee.
Required payment = (desired net + fixed fee) ÷ (1 − percentage ÷ 100). If you pass fees to customers, check the card network and local rules on surcharging first.
Frequently asked questions
Are Square invoice fees different?
Card payments on Square Invoices use the online rate of 3.3% + $0.30 on the Free plan. Invoices paid by card on file or manual entry use the manual entry rate.
What about international cards?
Cards issued outside the country of your Square account add 1.5% on top of the base fee. Turn on the international card option to include it.
Can I use my own Square pricing?
Yes. Enable Use custom rate and enter the percentage and fixed fee from your Square Dashboard under Pricing & subscriptions.
What is sent to an invoice?
Only the payment amount is sent. Your estimated fee and net payout are not included.