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How Much Does Square Charge?

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Melissa Johnson

Melissa Johnson

Melissa Johnson has been writing about payment processing and mobile payments since 2014, and has been quoted in articles for Credit Karma and The Next Web, among others. She graduated from The University of Kansas in 2010 with bachelor's degrees in English and journalism.
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    If using Square in tandem with Apple Pay device, are there fees for both Square and Apple?

      Dakota Fillet

      Hi Rob,
      No, there are no extra fees for accepting NFC-based payments via Apple Pay. Best of luck!


        Does Square handle government purchase cards, which would be handled over the phone ? I’m looking for a way to handle them without minimum monthly fees to the processing company.

          Dakota Fillet

          Hi Greg, I would suggest Payment Depot or National Processing as alternatives to square. They are more reliable sources when dealing with government cards. Hope this helps!

            James King

            Inside the restaurant side of Square you are charged 2.6% + $0.10 per transaction. Reading your article and looking at a print out of sales report it appears the fees are taken out of tips as well. As an employee looking at fees and money owed to the restaurant it appears that the company is having the employees cover the fees by taking them out of the tips. Now seeing as Square makes these service fees I see no problem with paying a share of those fees. My question is are the fees taken out of tips or is there a way to have Square take the fees out of the tips made for the day? In the restaurant industry this would mean that the company I am working for is charging the employee for the system. Is this a common thing or is this possible?

              Jessica Dinsmore

              Hi James,

              Square deducts its processing costs from the total transaction — that includes tax and tip, not just the base amount. We are unsure if there is a way to configure the settings so that Square’s payroll feature shunts all of the processing fees to the merchants’ costs and lets employees get the full amount of the tip. That would definitely be a question for Square. However, if paying with a card, any processor will charge a fee for the entirety of the transaction and it is legal to deduct processing fees from employee tips, so long as the deduction is only equal to the amount of the tip, not the entirety of the transaction cost.

                Bernice Perusse

                I would like to know how to cancel the squareup service. Please contact me
                905-735-1552 ext 204

                  Jessica Dinsmore

                  Hi Bernice,

                  You’d need to contact Square directly to do this.

                    Jan Luedeman

                    Working for a service company- plumbers. I really like square! I have worked with several different merchant services and the simplicity of Square beats all. Previously the other companies I worked with had a good rate, but by the time you paid all of the fees you were paying a lot!
                    Would recommend in a minute!!


                      I would like to start a very small e-commerce service business (users pay via website) that will have 2-10 transactions per month and average $50 per transaction. Would you suggest Square for this type of credit card servicing? (vs. Payline’s Payline connect plan?)

                        This comment refers to an earlier version of this post and may be outdated.

                        Jessica Dinsmore

                        Hi Mary,

                        I do recommend Square for sales volumes averaging less than $5k/mo. They offer a 30-day free trial and no early termination fee.

                          This comment refers to an earlier version of this post and may be outdated.


                          Every time I read your articles, you guys impressed me. You are more proactive than gov. agencies doing your job in the interchange fee industry!

                          Thank you for your effort!

                            This comment refers to an earlier version of this post and may be outdated.

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