Check all your Square orders at once
Download your sales file from Square, drop it here, and see the fees and profit on every order, with the worst orders first. No retyping and no spreadsheet work.Your file stays in your browser. Nothing is uploaded or sent to us.
1 Get your Square transactions file
- In your Square Dashboard, open Transactions and set the date range.
- Click Export and choose Transactions CSV.
- Upload the downloaded file here.
Steps from Square’s guide to exporting reports. The file includes the fees Square charged on each payment.
2 Drop the file you downloaded
Check the match
We matched your columns automatically. Change any that look wrong. Anything not in your file counts as 0.
3 Your results
Something not matching your file? Email the first three rows, with names and addresses removed, tosupport@styrofoamworld.com and we will fix it.
No export from Square? Use your own spreadsheet
Most sellers should upload the file Square gives them, above. If you keep your own sheet, give it a header row and one order per row, with columns such as the sale price, item cost and shipping. We will match them by name..
What goes in each box?
Not sure what to type? Use this guide. If you do not have a number yet, use the example value and change it later.
| Box | What it means | Where to find it | Example |
|---|---|---|---|
| Square plan | The software plan on your Square account: Free, Plus or Premium. Higher plans have lower processing rates but a monthly fee per location. | Your Square Dashboard, under your subscription or plan. | Square Free |
| How the customer pays | In person by tap, dip or swipe; online; keyed in by hand or from a saved card; ACH bank transfer; Afterpay; EBT; or cash. | The payment details in your Square Dashboard show how each sale was taken. | Online |
| Amount you charge the customer | The total the customer pays, including shipping and any tax you collect. | Your checkout total, invoice or the payment amount in the Square Dashboard. | $60 |
| Item cost | What you paid to get or make the item. | Your receipt, invoice or bank statement. Enter 0 if you only want to see the Square fee. | $20 |
| Your shipping cost | What you pay to send the parcel. Use 0 for in-person sales. | Your shipping label or carrier receipt. | $6 |
How to check you entered the right numbers
Check the result against a real payment. Open the payment in your Square Dashboard and look at the processing fee and net amount shown. Compare the fee with the “Square fee” line in the calculator. If they match, your inputs are right.
Which Square plan is cheapest for you?
Higher plans have lower rates but cost more each month. Enter your monthly sales to see the total for each plan: processing fees plus the monthly plan price. This compares costs only and does not value the extra software features.
Square processing fees by plan (US)
Square’s fee depends on your plan and on how the customer pays. All rates below are for US sellers.
| Payment type | Square Free | Square Plus | Square Premium |
|---|---|---|---|
| In person: tap, dip or swipe | 2.6% + 15¢ | 2.5% + 15¢ | 2.4% + 15¢ |
| Online | 3.3% + 30¢ | 2.9% + 30¢ | 2.9% + 30¢ |
| Online API | 2.9% + 30¢ | 2.9% + 30¢ | 2.9% + 30¢ |
| Manual entry or card on file | 3.5% + 15¢ | 3.5% + 15¢ | 3.5% + 15¢ |
| ACH bank transfer (via invoice) | 1%, $1 min | 1%, $1 min, $10 cap | 1%, $1 min, $10 cap |
| ACH bank transfer (via API) | 1%, $1 min, $5 cap | 1%, $1 min, $5 cap | 1%, $1 min, $5 cap |
| Afterpay | 6% + 30¢ | 6% + 30¢ | 6% + 30¢ |
| EBT | 1.8% + 5¢ | 1.8% + 5¢ | 1.8% + 5¢ |
| Cash or check (free) | Free | Free | Free |
Sources, verified on 2026-11-08:
- Square’s fee page does not show a price for Instant Transfers (fast payouts), disputes or hardware. These are not in the calculator.
- Square Pro is custom pricing for businesses processing over $250,000 a year. Custom rates are not included.
- Bitcoin payments are listed as 0% until 2027 and are not included in the calculator.
- The plan finder compares processing fees and the monthly plan price only. It does not value the software features each plan includes. Monthly prices are per location.
- Square’s fee page does not say whether sales tax is part of the amount the percentage is charged on. The calculator applies the rate to the total amount you charge.
How Square fees work in practice
Square’s pricing has two parts: a monthly plan fee and a per-payment processing fee. Square Free costs $0 a month, so you only pay when you take a payment. Plus is $49 and Premium is $149 a month, per location, in exchange for lower processing rates.
The processing rate depends on how the customer pays. In person, a tap, dip or swipe is 2.6% + 15¢ on Free. Online it is 3.3% + 30¢. Typing in a card number or using a saved card is3.5% + 15¢ on every plan, which is the most expensive way to take a card, so send customers a payment link when you can.
The flat part of each fee hurts small sales. On a $10 online sale on the Free plan the fee is $0.63, which is 6.3% of the sale. On a $100 sale it is $3.60. If you sell lots of cheap items, look at the cost of each sale before you list.
Upgrading is a volume question. Moving from Free to Plus saves 0.4% on online sales, which pays for the $49 monthly fee at about $12,250.00 of online sales a month. In person the saving is only 0.1%, so you need about $49,000.00 a month to break even. At $5,000.00 a month online (100 sales) Free costs $195.00 against$224.00 for Plus. At $20,000.00 a month (400 sales), Free is$780.00 and Plus is $749.00. Use the plan finder above for your own figures, and remember it leaves out the software features each plan includes.
ACH bank transfers are the cheap option for big payments: 1% with a $1 minimum. Through an invoice the cap is $10 on Plus and Premium but there is no cap on Free, so a $2,000.00 payment costs $20.00 on Free and$10.00 on Plus. Afterpay is much dearer at 6% + 30¢, and cash is free.
These are Square’s standard rates. Square Pro offers custom pricing if you process over $250,000 a year. Instant transfers, disputes and hardware are priced elsewhere and are not in this calculator.
Three worked examples
1. A $50 tap payment on Square Free
The rate is 2.6% + 15¢, so the fee is $1.45 and you receive $48.55.
2. A $100 online sale: Free versus Plus
On Free the fee is $3.60 (3.3% + 30¢). On Plus it is $3.20 (2.9% + 30¢). Plus saves $0.40 on this sale, but costs $49 a month.
3. A $2,000 ACH invoice payment
1% of $2,000.00 is $20.00. On Free there is no cap, so you pay $20.00. On Plus the $10 cap applies, so you pay $10.00.
Questions sellers ask
How much does Square charge per card payment in the US?
On the Free plan it is 2.6% + 15¢ for tap, dip or swipe and 3.3% + 30¢ online. Plus and Premium have lower rates, and the table above shows each.
Is there a monthly fee?
Square Free is $0 a month, with processing fees only when you take a payment. Square Plus is $49 a month and Square Premium is $149 a month, both per location. Square Pro is custom pricing for businesses processing over $250,000 a year.
Is Square Plus worth it?
Only if you process enough. Plus lowers online rates by 0.4% and in-person rates by 0.1%. That covers its $49 a month at about $12,250.00 of online sales a month, or $49,000.00 in person. The plan finder above does the sum for your volume. Plus also adds software features that are not counted in that sum.
What does a manually entered or saved card cost?
3.5% + 15¢ on every plan, which is more than tap or online payments. Take card details through an online link when you can.
What about ACH bank transfers?
Square charges 1% with a $1 minimum. Through an invoice the cap is $10 on Plus and Premium and there is no cap on Free. Through the API the cap is $5 on every plan. ACH is usually cheaper than cards for large payments.
Is cash free to accept?
Yes. Square lists cash or check as free on every plan.
Compare with other platforms
Selling in more than one place? See how Square's fees compare with these.
Stripe fee calculator
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Open calculator →Shopify fee calculator
Compare Shopify's in-person and online card rates.
Open calculator →Poshmark fee calculator
Selling secondhand online? See how marketplace fees compare.
Open calculator →Or see all 9 calculators and thefee comparison on a $50 sale.
Change log
- 2026-11-08: Initial data recorded from Square’s US fee pages: tap/dip/swipe 2.6% / 2.5% / 2.4% + 15¢ by plan, online 3.3% (Free) or 2.9% (Plus, Premium) + 30¢, manual entry or card on file 3.5% + 15¢, ACH 1% with $1 minimum and plan-based caps, Afterpay 6% + 30¢, EBT 1.8% + 5¢. Plans: Free $0, Plus $49/mo, Premium $149/mo.
Disclaimer: this calculator gives estimates based on the fees Square publishes, not financial or tax advice. Fees can change, so check Square’s current fee page before relying on a number. SellSmartDesk is not affiliated with Square.