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Square Fee Calculator
Estimate Square fees using rates from your own agreement and the correct channel and plan. Verified Square presets are not enabled; this calculator uses your custom assumptions.
USD · Custom assumptions
Estimate fees with your own rates
Enter the rates from your agreement or use a synthetic example. No official provider preset is verified or enabled.
JavaScript is required to calculate. Explanations and source limitations below remain available; no inputs are submitted to a server.
Your estimate
Start with your assumptions
Enter a gross amount or target net payout and confirm the selected fee terms, then calculate. Editing an input clears the previous estimate.
USD only. Combined rates must be below 100%. Fees exceeding gross produce an error. Inputs stay in this page’s memory; no amounts are sent to a server, stored or added to URLs.
Official preset evidence and limitations
3 of 3 provider presets on this page are disabled. Published fee candidates and verified calculation behavior are separate evidence. Disabled Level C records have unresolved applicability or unsupported behavior. Level B uses published rates and explicit site rounding; Level A requires documented provider behavior and independent policy review.
- Card payment in person / In person / Candidate Square Free/basic tier; table header mapping unresolved: Level C — disabled. User-reported candidate (not independently verified): 2.6% + $0.15. Basic-plan US in-person card-present; plan eligibility and channel conditions need review. Published card-present rates confirmed, but retrieved table plan headers are blank; basic/Free tier mapping and account applicability are not reliably established. Level C remains disabled.
- Online payment / Online / Plan/account terms not reviewed: Level C — disabled. Official pricing page retrieved; exact account/channel/plan scope and any material additions lack a completed applicability/model review. No domestic/base rate is reused.
- Manually entered payment / Manual entry / Plan/account terms not reviewed: Level C — disabled. Official pricing page retrieved; exact account/channel/plan scope and any material additions lack a completed applicability/model review. No domestic/base rate is reused.
Square presets are not enabled
This page is custom-rate only. The reviewed official tables did not establish reliable plan-to-rate mapping for an enabled preset. Enter terms from your own Square agreement and identify the applicable plan; the tool does not automatically select or verify a Square tariff.
Keep in-person, online and manual entry separate
A tapped or inserted card, an online checkout and a manually entered or saved card can belong to different pricing contexts. Square also distinguishes Online API payments from general online or invoice payments. Use the correct channel and account terms; do not reuse an in-person rate for an online transaction.
How the fee and net receipt are calculated
For the supported additive model: fee = rounded percentage of gross + fixed charge; net = gross − fee. Effective rate = fee ÷ gross × 100. A zero gross has no defined effective rate. A fee exceeding gross produces an error rather than a hidden negative payout.
Custom mode combines additive percentages on the same gross, rounds that total once using your chosen half-up or half-even convention, then adds fixed cents. This is your model assumption, not a verified provider policy.
Reverse mode finds the smallest gross in integer cents whose modeled net meets the target, and checks the preceding cent. That minimum is not a guarantee of provider acceptance or permission to surcharge a customer. FX, caps, tiers, thresholds and separately rounded or cascading charges are unsupported.
Worked example with synthetic custom rates
Each row uses $100.00 gross and a separate $100.00 target net. Values are generated by the tested calculation engine, using the stated convention. The 3% + $0.30 inputs below are made up to illustrate the formula; they are not Square pricing.
| Scenario / assumptions | Fee / net on $100 gross | Gross for $100 net |
|---|---|---|
| Synthetic custom example — not a Square rate 3% + $0.30 Custom assumptions · half-up | $3.30 fee $96.70 net | $103.40 minimum $3.40 fee $99.99 net at one cent less |
Frequently asked questions
Why do I need to enter a Square rate and plan?
No Square provider preset currently passes the project's applicability gate. A published rate cell without reliable plan mapping is insufficient. Your custom plan label provides context, not verification by this site.
Does the Square example below use a real Square fee?
No. It uses the synthetic custom example of 3% plus $0.30 with half-up rounding to explain the arithmetic. It is not a Square rate, plan quote or automatic fee calculation.
Are hardware and subscription costs included?
No. This single-transaction estimate includes only the percentage and fixed charges you enter. Use the general processing-cost tool for a separate recurring-cost estimate; hardware, account-specific terms and other services still need your own accounting.
Can the custom tool handle every Square pricing rule?
No. It supports additive charges on the same USD gross with one combined percentage rounding step. Currency conversion, minimum/capped/tiered charges, separately rounded components and cascading fee bases are unsupported.
Official pricing sources and limitations
Use these official pages alongside your agreement to identify your channel and plan. Source access does not establish an enabled Square preset; plan applicability remains unresolved.