Payments Pricing with Square APIs and SDKs

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

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In-person payment pricing

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 the following conditions:

  • The API you're using.

  • Whether a buyer's card is presented for payment:

    • 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 wasn't used for payment. In this case, the payment was made using a card on file or the number was entered manually in the Point of Sale application.
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In-person payments using a Square Terminal

RegionCard presentCard not present
Australia1.6%2.2%
Canada0.75% + 7¢ (Interac)
2.65% (all other cards)
3.4% + 15¢
France1.65%2%
2.5%, Card on File
Ireland1.75% + VAT2% + VAT
2.5%+VAT, Card on File
Japan3.25%
3.25% (PayPay)
3.25% (QUICPay)
3.25% (Transportation IC)
3.75% (iD)
3.75%
Spain1.25% + 5¢2%
2.5%, Card on File
United Kingdom1.75%
6% + £0.30 GBP (Clearpay)
2.5%
United States2.6% + 10¢
6% + 30¢ (Afterpay)
3.5% + 15¢
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Payments with Square Readers

Depending on your region, Square provides Reader SDK and Point of Sale API options for your application to connect to your chosen Square Reader hardware. The following tables provide pricing information for your choice of API and hardware.

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Point of Sale API

RegionCard presentCard not present
Australia1.9%2.2%
Canada0.75% + 7¢ (Interac)
2.65% (all other cards)
3.4% + 15¢
France1.65%2%
2.5%, Card on File
Ireland1.75% + VAT2% + VAT
2.5%+VAT, Card on File
Japan3.25%
3.25% (PayPay)
3.25% (QUICPay)
3.25% (Transportation IC)
3.75% (iD)
3.75%
Spain1.25% + 5¢2%
2.5%, Card on File
United Kingdom1.75%
6% + £0.30 GBP (Clearpay)
2.5%
United States2.6% + 10¢
6% + 30¢ (Afterpay)
3.5% + 15¢
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Reader SDK

The Reader SDK is only supported in the United States.

RegionCard presentCard not present
United States2.6% + 10¢
6% + 30¢ (Afterpay)
3.5% + 15¢
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Gift cards pricing

  • Processing rates - Standard payment processing fees apply when selling and reloading Square gift cards. There are no fees when a gift card is redeemed. To find detailed rate information for a particular country, choose the link for the country:

  • Load fees - Sellers in the following countries pay 2.5% of the amount added to a Square gift card, in addition to standard payment processing rates:

    • Australia
    • Canada
    • United States

    Load fees apply to ACTIVATE, LOAD, and ADJUST_INCREMENT activities.

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Online and in-app payments

Online payments can be made with the Checkout API, Invoice API, Subscriptions API, and Web Payments SDK. The buyer enters their card information in a secure card entry form hosted by Square. In-app payments are made using a mobile app integrated with the In-App Payment SDK. In-app payment pricing uses the same fee schedule as online pricing.

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Card payments

The seller pays only a single per-transaction percentage fee. Everything from PCI-compliance fees to interchange and chargeback fees are covered by this fee. There are no monthly charges or additional fees for payment processing. For more information about Square pricing, including custom pricing options, see How much does Square cost or Learn About Square's Fees.

Note

Cash App Pay payments are processed at the same rate as card payments but are supported only in the United States.

RegioneCommerce
Australia2.2%
Canada2.9% + 30¢
France1.4% + 25c per transaction with EU + EEA cards.
2.9% + 25c per transaction with UK/Non-EEA cards.
Ireland1.4% + 25c + VAT per transaction with EU + EEA cards.
2.9% + 25c + VAT per transaction with UK/Non-EEA cards.
Japan3.6%
Spain1.4% + 25c per transaction with EU + EEA cards.
2.9% + 25c per transaction with Non-EEA cards.
United Kingdom1.4% + 25p for transactions with UK cards.
2.5% + 25p for transactions with non-UK cards.
United States2.9% + 30¢
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ACH bank transfer payments

In the United States:

  • ACH payments taken using the combination of the Web Payments SDK and Payments API - 1% fee with a $1 minimum and $5 maximum. No chargeback fees or additional fees.
  • ACH payments using Square Invoices - For pricing information, see Square Invoices.
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Afterpay payments

  • Australia - 6% + 30¢. Pricing currently includes the Goods and Service Tax (GST). However, on 11 May 2022, GST will be excluded from pricing.
  • Canada - 6% + 30¢
  • United States - 6% + 30¢
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Clearpay payments

  • In the UK - 6% + £0.30 GBP
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Invoice payments

Per-transaction payment processing rates for Square invoices vary by country and payment method. To find detailed pricing information for a particular country, choose the link for the country and check the Processing Rates section:

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Subscription payments

The following table provides the per transaction payment price for subscription payments.

RegionSubscription payment
Australia2.2%
Canada2.9% + 30¢
France1.4% + 25¢ per transaction with EU + EEA cards.
2.9% + 25¢ per transaction with UK/Non-EEA cards.
Ireland1.4% + 25¢ + VAT per transaction with EU + EEA cards.
2.9% + 25¢ + VAT per transaction with UK/Non-EEA cards.
Japan3.6%
Spain1.4% + 25¢ per transaction with EU + EEA cards.
2.9% + 25¢ per transaction with Non-EEA cards.
United Kingdom1.4% + 25p for transactions with UK cards
2.5% + 25p for transactions with non-UK cards.
United States2.9% + 30¢
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Orders API fee structure

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, contact us.

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Gift cards pricing

  • Processing rates - Standard payment processing fees apply when selling and reloading Square gift cards. There are no fees when a gift card is redeemed. To find detailed rate information for a particular country, choose the link for the country:

  • Load fees - Sellers in the following countries pay 2.5% of the amount added to a Square gift card, in addition to standard payment processing rates:

    • Australia
    • Canada
    • United States

    Load fees apply to ACTIVATE, LOAD, and ADJUST_INCREMENT activities.

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Cannabidiol (CBD) sales in the United States

Square processes CBD payments for retailers in the United States. The following table shows CBD seller processing fees.

Payment channelCard presentCard not present
An in-person payment with a Square Terminal or Square Reader (Reader SDK and Point of Sale API)3.5% + 10¢4.4% + 15¢
eCommercen/a3.8% + 30¢

Learn more about Selling CBD with Square.