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Documented Methodology7 Regional UtilitiesVerified 2026

Square Payment Processing Calculators

In-person POS tap, keyed-in virtual terminal, and online eCommerce checkout fee calculations.

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Square Fee Calculator USA (2.6% + $0.10 POS / 2.9% + $0.30 Online)

Calculate processing deductions for Square in-person hardware, online storefronts, and invoices.

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All Available Regional Tools & Benchmarks (7)

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Calculate processing deductions for Square in-person hardware, online storefronts, and invoices.

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Square In-Person POS Fee Calculator$

Card present tap, dip, and swipe fee calculator for retail & pop-ups.

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Square Online Fee Calculator$

E-commerce and online order processing fees for Square merchants.

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Square Invoice Fee Calculator$

Square client billing and recurring contract invoice calculator.

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Square Manual Keyed-In Fee Calculator$

Calculate higher risk card-not-present manually entered phone orders.

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Square for Restaurants Fee Calculator$

Calculate hospitality credit card interchange deductions and net ticket payout.

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Square Standard Fee Calculator$

Calculate processing deductions for Square standard in-person hardware (2.6% + $0.10), online checkout (2.9% + $0.30), and invoices.

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Square Payment Processing Calculators — Frequently Asked Questions

Authoritative answers to common questions, regulatory rules, and compliance guidance.

What is Square fee for in-person payments?

Square in-person tap, dip, or swipe payments cost 2.6% + $0.10 per transaction.

Which payment processor is cheaper: Stripe, PayPal, or Square?

For standard online domestic transactions, Stripe and Square tie at 2.9% + $0.30, while PayPal Commerce is noticeably more expensive at 3.49% + $0.49. For in-person point-of-sale card processing, Square (2.6% + $0.10) is the most cost-effective.

What is the cheapest payment processor for micropayments under $10?

For low-ticket transactions, PayPal offers a dedicated micropayments rate (5.0% + $0.05). On a $5 transaction, PayPal micropayments fee is $0.30, compared to $0.45 with Stripe’s standard $0.30 fixed fee.

How do international card surcharges compare across Stripe, PayPal, and Square?

Stripe charges a 1.5% international fee (plus 1% for currency conversion). PayPal adds 1.5% plus a 3–4% currency exchange margin. Square charges 1.0% on international cards.

Which gateway provides the fastest payout to my bank account?

Square offers free standard next-business-day deposits and optional 1.75% instant transfers. Stripe defaults to a 2-day rolling payout schedule in the US. PayPal offers free 1–3 day ACH or 1.75% instant transfers.