Square Fees 2026 affects businesses choosing Square as their payment processor. Square's transparent, flat-rate pricing makes it easy to predict costs for both in-person and online transactions in 2026.

Overview of Square Fees 2026

Square charges 2.6% + $0.10 for in-person card-present transactions, 2.9% + $0.30 for online payments, and 3.5% + $0.15 for invoiced payments. There are no monthly fees for standard accounts, making it predictable for businesses of all sizes.

How Square Fees 2026 Works

Square's flat-rate pricing means you pay the same percentage regardless of card type or transaction amount. Funds are deposited to your bank account the next business day (or instantly with Square Capital).

Key Takeaways

  • Square's in-person rate (2.6%+$0.10) is competitive with other payment processors
  • No monthly fees — pay only per-transaction
  • Free POS software included with hardware purchase
  • Additional services (Payroll, Capital) available for growing businesses
  • Use our Fee Calculator to compare Square vs competitors