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Square rates 2026 (Free plan)
| Payment type | Rate | $100 sale fee |
|---|---|---|
| In-person (tap, dip, swipe) | 2.6% + $0.15 | $2.75 |
| Online | 3.3% + $0.30 | $3.60 |
| Manually keyed / card on file | 3.5% + $0.15 | $3.65 |
| Invoice (card) | 3.3% + $0.30 | $3.60 |
| Invoice (ACH) | 1% (min $1) | $1.00 |
| Afterpay | 6% + $0.30 | $6.30 |
Rates verified October 2026. Square overhauled pricing in October 2025 — the in-person fixed fee rose from $0.10 to $0.15 and online went from 2.9% to 3.3% on the Free plan. Plus plan ($49/mo) lowers rates to 2.5% + $0.15 in-person and 2.9% + $0.30 online. Sources: NerdWallet, TechRepublic, Square's official pricing page (squareup.com/pricing).
Square fees — quick answers
Did Square raise its fees?
Yes. In October 2025 Square overhauled pricing: the in-person fixed fee went from $0.10 to $0.15, and online payments on the Free plan jumped from 2.9% + $0.30 to 3.3% + $0.30. Many older guides still show the pre-2025 rates — this calculator uses current ones.
Square vs Stripe — which is cheaper?
It depends where you sell. In-person: Square (2.6% + $0.15) vs Stripe (2.7% + $0.05) — close, Stripe slightly cheaper on small tickets. Online: Stripe (2.9% + $0.30) clearly beats Square's 3.3% + $0.30. Run both our calculators with your real numbers.
Does Square charge a monthly fee?
The Free plan has no monthly fee — you only pay per transaction. The Plus plan costs $49/month and lowers your rates (2.5% + $0.15 in-person, 2.9% + $0.30 online). It only pays off above a certain monthly volume.
What about Afterpay and Cash App Pay?
Afterpay transactions cost 6% + $0.30 across all plans — the most expensive way to get paid on Square. Factor it in before offering buy-now-pay-later.
Is there a fee for cash payments?
No — Square charges no processing fee on cash or check payments recorded in the app. Only card and digital payments incur fees.