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Payments Pricing with Square APIs and SDKs

Square provides secure payment solutions for online and in-person payments made with supported cards. The payments transaction fees are based on the payment platform, transaction type, and geographical region where a payment is handled.

Pricing for handling in-person payments Permalink Get a link to this section

Square offers various hardware devices (Square Readers and Square Terminal) to process in-person payments. Square also offers SDKs and APIs for your custom applications to connect to these devices. For more information, see In-person payments.

Payment pricing depends on your region, the hardware device you choose, and the library you use. Prices also vary depending on whether a card is present:

  • Card present. Indicates that a physical card or mobile device (such as, Apple Pay or Google Pay) was used for payment. The card was tapped, dipped, or swiped depending on the Square Reader used.

  • Card not present. Indicates the pricing when a physical card was not used for payment. In this case, the payment was made using a card on file or the card information was typed.

In-person payments using Square Terminal Permalink Get a link to this section

RegionCard presentCard not present
Canada10¢ (Interac)
2.65% (all other cards)
3.4% + 15¢
Ireland1.75% + VAT2% + VAT
Japan3.95% (JCB)

(All other cards except E-money payments)

3.25% (Transportation IC)
3.75% (QUICPay, iD)

United Kingdom1.75%2.5%
United States2.6% + 10¢3.5% + 15¢

In-person payments using Square Readers Permalink Get a link to this section

Depending on your region, Square provides Reader SDK and Point of Sale (POS) API options for your application to connect to the Square Reader hardware of your choice. The following table provides related pricing information:

Region Card present Card not present Card present Card not present
Australia 1.9% 2.2% n/a n/a
Canada 10¢ (Interac)

2.65% (all other cards)

3.4% + 15¢ n/a n/a
Ireland 1.75% + VAT 2% + VAT n/a n/a
Japan 3.95% (JCB)

(All other cards except E-money payments)

3.25% (Transportation IC)
3.75% (QUICPay, iD)

3.75% n/a n/a
United Kingdom 1.75% 2.5% n/a n/a
United States 2.6% + 10¢ 3.5% + 15¢ 2.6% + 10¢ 3.5% + 15¢

Pricing for handling online and in-app payments Permalink Get a link to this section

ACH bank transfer payments Permalink Get a link to this section

In the United States:

  • ACH payments taken using the Payments API. 1% fee with $1 minimum and $5 maximum. No chargeback fees or additional fees.

  • ACH payments using Square Invoices. For pricing information, see Square Invoices.

Card payments Permalink Get a link to this section

There are no monthly charges or additional fees for payment processing. All supported credit cards are charged at the same applicable regional rate, regardless of whether the card was issued locally or internationally. For example, an eCommerce transaction in Japan always has the same processing fee (3.95% (JCB)
3.6% (all other cards)), even if the participating credit card belongs to a tourist visiting from another country.

Everything from PCI-compliance fees to interchange and chargeback fees are covered by the per-transaction percentage fee. For more information about Square pricing, including custom pricing options, see How much does Square cost or Learn About Square's Fees.

Online payments, including card-on-file payments
Canada2.9% + 30¢
Ireland1.4% + 25c + VAT per transaction with EU + EEA cards.

2.9% + 25c +VAT per transaction with UK/Non-EEA cards.
Japan3.95% (JCB)
3.6% (all other cards)
United Kingdom1.9% per European card
2.9% per non-European card
United States2.9% + 30¢
Invoice/Subscription 3.5% + 15¢

Orders API fee structure Permalink Get a link to this section

There is no transaction fee for orders paid using Square payments. If you want to use the Square Orders API with a non-Square payments provider, there is a 1% fee per transaction. For more information, see contact us.