🇺🇸 Payments · United States
Square Manually keyed / card on file Fee Calculator (2026)
Square processing fees in the US work out to about 3.5% + $0.15 on a $100 payment, which is $3.65 in fees, leaving you $96.35. Enter your own numbers below to see the full breakdown, or switch to reverse mode to find the price that nets you a target amount.
You receive
$96.35
Fee breakdown
- Processing fee−$3.50
- Fixed fee−$0.15
How Square processing fees work for Manually keyed / card on file in the US
Square (point-of-sale and online payments for small businesses) charges the following for manually keyed / card on file:
| Fee | How it’s charged |
|---|---|
| Processing fee | 3.5% of the sale price |
| Fixed fee | $0.15 per order |
Square fees at common amounts
Pre-calculated with the default settings for Manually keyed / card on file.
| Payment amount | Fees | You receive | Effective rate |
|---|---|---|---|
| $10 | $0.50 | $9.50 | 5% |
| $25 | $1.03 | $23.97 | 4.12% |
| $50 | $1.90 | $48.10 | 3.8% |
| $100 | $3.65 | $96.35 | 3.65% |
| $250 | $8.90 | $241.10 | 3.56% |
| $500 | $17.65 | $482.35 | 3.53% |
| $1,000 | $35.15 | $964.85 | 3.52% |
| $5,000 | $175.15 | $4,824.85 | 3.5% |
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Frequently asked questions
How much does Square take from a $100 payment?
Square takes $3.65 from a $100 payment in the US, an effective rate of 3.65%. You receive $96.35.
What are Square's fees in the US?
Processing fee: 3.5% of the sale price. Fixed fee: $0.15 per order.
How much should I charge to receive $100 after Square fees?
Charge $103.78. After Square's processing fees of $3.78, you will receive $100.
How do I calculate Square fees?
Add up each fee that applies: 3.5% of the sale price, plus $0.15 per order. Subtract the total from what the buyer pays to get your payout. The calculator above does this for you and shows each line.
Good to know
- Plan prices are per location. Custom rates are available for businesses processing over $250k a year.
Rates checked against the official pricing page on September 26, 2026. Fees change often, so confirm on the official page before relying on them.
Sources: Square US fees