{
  "id": "square",
  "label": "Square payment processing fees (US)",
  "source_url": "https://squareup.com/us/en/payments/our-fees",
  "source_publisher": "Block, Inc. — Square (official processing fees page)",
  "verified_at": "2026-09-07",
  "currency": "USD",
  "notes": "Square publishes one processing fee per payment type PER PLAN, and the three plans do not charge the same rate. Two rate shapes appear on the same table: percentage-plus-fixed for cards, and percentage-with-a-minimum-and-sometimes-a-cap for ACH bank transfers. The ACH cap exists on Square Plus and Square Premium but not on Square Free, which is the single largest fee difference between the plans on a big invoice.",
  "plans": [
    {"key": "free", "name": "Square Free", "note": "No monthly subscription."},
    {"key": "plus", "name": "Square Plus", "note": "Paid plan. Lower card rates and an ACH fee cap on invoices."},
    {"key": "premium", "name": "Square Premium", "note": "Paid plan. Lowest in-person card rate."}
  ],
  "surcharges": [
    {"key": "international", "name": "Internationally issued card", "rate": 0.015,
     "note": "Listed by Square under 'Additional fees that may apply' as the international card transaction fee."}
  ],
  "methods": [
    {"key": "inperson", "name": "Tap, dip, or swipe (card present)", "mode": "rate_fixed", "surchargeable": true,
     "desc": "In-person payments when a card is present.",
     "by_plan": {"free": {"rate": 0.026, "fixed": 0.15},
                 "plus": {"rate": 0.025, "fixed": 0.15},
                 "premium": {"rate": 0.024, "fixed": 0.15}}},
    {"key": "online", "name": "Online (checkout or invoice)", "mode": "rate_fixed", "surchargeable": true,
     "desc": "Card payments made online or through an invoice.",
     "by_plan": {"free": {"rate": 0.033, "fixed": 0.30},
                 "plus": {"rate": 0.029, "fixed": 0.30},
                 "premium": {"rate": 0.029, "fixed": 0.30}}},
    {"key": "online_api", "name": "Online API", "mode": "rate_fixed", "surchargeable": true,
     "desc": "Card payments taken inside your own web or mobile app through Square's payments APIs.",
     "by_plan": {"free": {"rate": 0.029, "fixed": 0.30},
                 "plus": {"rate": 0.029, "fixed": 0.30},
                 "premium": {"rate": 0.029, "fixed": 0.30}}},
    {"key": "keyed", "name": "Manual entry or card on file", "mode": "rate_fixed", "surchargeable": true,
     "desc": "A card number typed in, or a saved card on file.",
     "by_plan": {"free": {"rate": 0.035, "fixed": 0.15},
                 "plus": {"rate": 0.035, "fixed": 0.15},
                 "premium": {"rate": 0.035, "fixed": 0.15}}},
    {"key": "afterpay", "name": "Afterpay (buy now, pay later)", "mode": "rate_fixed", "surchargeable": false,
     "desc": "You are paid immediately; the buyer pays in four installments.",
     "by_plan": {"free": {"rate": 0.06, "fixed": 0.30},
                 "plus": {"rate": 0.06, "fixed": 0.30},
                 "premium": {"rate": 0.06, "fixed": 0.30}}},
    {"key": "ebt", "name": "EBT (SNAP-eligible items)", "mode": "rate_fixed", "surchargeable": false,
     "desc": "In-person EBT payments. Square states these fees are waived while the feature is in beta, through fall 2026.",
     "by_plan": {"free": {"rate": 0.018, "fixed": 0.05},
                 "plus": {"rate": 0.018, "fixed": 0.05},
                 "premium": {"rate": 0.018, "fixed": 0.05}}},
    {"key": "ach_invoice", "name": "ACH bank transfer (via invoice)", "mode": "rate_min_cap", "surchargeable": false,
     "desc": "Payment made on a Square invoice by bank transfer.",
     "by_plan": {"free": {"rate": 0.01, "min": 1.0, "cap": null},
                 "plus": {"rate": 0.01, "min": 1.0, "cap": 10.0},
                 "premium": {"rate": 0.01, "min": 1.0, "cap": 10.0}}},
    {"key": "ach_api", "name": "ACH bank transfer (via API)", "mode": "rate_min_cap", "surchargeable": false,
     "desc": "ACH transfers through the Web Payments SDK and Payments API.",
     "by_plan": {"free": {"rate": 0.01, "min": 1.0, "cap": 5.0},
                 "plus": {"rate": 0.01, "min": 1.0, "cap": 5.0},
                 "premium": {"rate": 0.01, "min": 1.0, "cap": 5.0}}},
    {"key": "cash", "name": "Cash or check", "mode": "free", "surchargeable": false,
     "desc": "Recorded in Square but not processed by Square.",
     "by_plan": {"free": {"rate": 0.0, "fixed": 0.0},
                 "plus": {"rate": 0.0, "fixed": 0.0},
                 "premium": {"rate": 0.0, "fixed": 0.0}}},
    {"key": "bitcoin", "name": "Bitcoin payments (0% until 2027)", "mode": "rate_fixed", "surchargeable": false,
     "desc": "In-person payments where the buyer scans a QR code to pay in bitcoin.",
     "by_plan": {"free": {"rate": 0.0, "fixed": 0.0},
                 "plus": {"rate": 0.0, "fixed": 0.0},
                 "premium": {"rate": 0.0, "fixed": 0.0}}}
  ]
}