Square fee calculator: the 2.6% plus 10 cents card-present processing fee and your net payout for any sale amount. Editable rates, free, in your browser.
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$50 in-person sale
What this means for your numbers: The fixed 10 cents is 7% of the worked example's $1.40 fee. On a $5 sale it is 28%: the per-order fee dominates small tickets, the percentage dominates large ones.
Illustrative breakdown using the worked example above. The calculator computes your own numbers with the same formula.
The math on a $120 sale, line by line
Take a card-present sale of $120.00. Square charges 2.6 percent of the amount plus a flat 10 cents per transaction. First, the percentage piece: 120.00 times 0.026 equals 3.12. Add the fixed piece: 3.12 plus 0.10 gives 3.22 in total fees. Net proceeds are 120.00 minus 3.22, which is $116.78. That is 2.68 percent of the sale lost to fees, higher than the headline 2.6 percent because the flat 10 cents is spread over a small ticket.
The flat fee dominates on small tickets, which is where most people get surprised. On a $10 coffee the percentage part is only 0.26, so the 10 cent fixed piece is 38 percent of the total fee. Total fee: 0.36, netting 9.64, an effective 3.6 percent. On a $500 job the fixed piece is negligible: 13.00 plus 0.10 is 13.10, netting 486.90, an effective 2.62 percent. Every dollar of ticket size pulls the effective rate down toward 2.6 percent, never below it.
A quick sanity check you can run on any quote: effective rate equals 2.6 plus 10 divided by (100 times price) in percent. At $25 that is 2.6 plus 0.4, or 3.0 percent. If your average ticket is under $25, expect to lose at least 3 cents on every dollar before you count any other costs.
Where this estimate breaks down in practice
The 2.6 percent plus 10 cents rate is Square's card-present rate for swiped, dipped, or tapped cards at US locations. Manually keyed orders, invoices, and online checkout run 2.9 percent plus 30 cents instead. The same $120 sale keyed in by hand costs 3.48 plus 0.30, or 3.78 in fees, netting 116.22. That is a 56 cent gap versus the tap rate on one transaction. If you key in 40 orders a month at that size, the gap is roughly $22 a month, just from how the card number got entered.
A few more cases the single rate cannot cover. Certain card types, such as many commercial and premium rewards cards, can price differently on some Square plans. Chargebacks are separate: a disputed transaction adds a $15 dispute fee on top, and if you lose the dispute the full sale amount returns to the customer. Instant transfer to a bank card costs 1.5 percent of the transfer amount, so moving $116.78 out instantly takes about $1.75; standard next-business-day transfers are free. Square also changes published rates from time to time, so confirm current pricing on Square's site before quoting a client. None of this changes the core arithmetic here, but it means this calculator's result is a floor, not a final settlement figure.
