Estimate Square processing costs and net payment proceeds
Use this Square fee calculator to estimate processing charges for a payment and the amount remaining after the entered percentage and fixed fee. It is useful for comparing in-person, online, invoiced, or manually entered payment scenarios.
Formula
Worked example
Enter the payment amount and the rate that applies to the specific Square transaction type. Compare several order sizes to see how the fixed component changes the effective fee percentage.
Square rates can differ by payment channel and account
An in-person tapped payment, online checkout, invoice, card-on-file payment, and manually entered card may not use the same rate. Custom pricing and additional Square products can also change total cost.
Use current official pricing or the terms shown in your Square account. The calculator does not connect to Square or automatically update account-specific rates.
Evaluate the effective processing rate
Divide the total estimated fee by payment amount to find the effective percentage. This makes transactions with different fixed and percentage components easier to compare.
Processing cost is only one part of payment economics. Hardware, subscriptions, chargebacks, refunds, instant transfers, and other products may need separate consideration.
For a more reliable Square estimate
- Select the rate for the correct payment channel.
- Use account-specific custom pricing when applicable.
- Model small and large transactions separately.
- Reconcile estimates against completed Square transactions.
Last reviewed September 8, 2026. This calculator provides an estimate for planning and education. Verify current rates, rules, and account-specific terms with the relevant official source.