Square Processing Fees, Plans, and Software Pricing | Square

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The essentials your business needs to sell in-person, online, over the phone, or out in the field. Only pay when you take a payment.

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If you process over $250,000 per year, talk to our team to see if you’re eligible for custom pricing and processing fees. You can also ask about hardware discounts, onboarding and implementation support, technical specialists, and account management.

Explore features by business type

Payments & checkout

Tap to Pay on iPhone and Tap to Pay on Android

Manual entry or card on file

Cross-location returns and fulfillment

Restaurant operations

Menus, coursing, and floor plans

Third-party order management

Payments, discounts, and gratuity

Open checks and house accounts

Square KDS app

Not available in Square Free
$30/mo. for the Square KDS app per device
$20/mo. for the Square KDS app per device

Square Kiosk app

Not available in Square Free
$50/mo. for the Square Kiosk app per device
$30/mo. for the Square Kiosk app per device

Bookings

Online booking website and booking integrations

Prepayments and automatic contracts

Digital wallets in booking flow

Multi-staff appointment booking

Cancellation policy and no-show fees

Class booking and packages

Multi-location management

Appointment confirmations

Instagram, Facebook, and Google integrations

Inventory & catalog management

Automatically create items and SKUs

Vendor and purchase order management

Sync with Shopify using Thrive

Square Restaurant Inventory by MarketMan

Reporting & analytics

Daily sales summary email

Cost of goods sold report

Inventory sell-through report

Live section and shift reporting

Close of day procedures and reporting

Kitchen performance reporting

Team sales and activity reporting

Online selling

Multiple website management

Pickup and local delivery

Shipping label printing and discounts

Accept multiple payment types

Free shipping progress bar

Discounts on in-person and online sales

Free delivery progress bar

Item quick view and checkout

Item badges, quantity limits, and scheduled updates

Bundles and subscriptions

Custom code and native video embed

Expanded site customization

Coupons, pop-up notifications, and lead capture forms

Customer engagement

Automatic customer data collection and segmentation

Send service messages and reply via SMS and email

Dedicated business phone number

Call to text and voicemail transcription

Google Reviews monitoring

Text message marketing

500 messages included, then 3¢ per message
2,500 messages included, then 1.5¢ per message

Invoicing

Invoices and recurring invoices

Automatic payment reminders

Project workspace and dashboard

Contracts, contract templates, and e-signature

Require contract signature

Auto-convert estimates to invoices

Staff management

Timecards with break and overtime

Clock in and out with passcodes or badges

Shift scheduling, time off, and trades

Team chats and file sharing

Tip pooling and commissions tracking

Square Banking¹

Instant access to sales with Square Checking

Instant payouts from delivery partners

Early access to ACH deposits

Free business savings account

Automated savings from sales

Custom loan offers up to $350K

Convert Square sales to bitcoin

Support

Phone support

6am–6pm PT M–F for the first 90 days

Fees

ACH bank transfer (via invoice)

ACH bank transfer (via API)

Manual entry or card on file

Text message marketing

Not available in Square Free
500 texts included, then 3¢ per text
2,500 texts included, then 1.5¢ per text

Square KDS app

Not available in Square Free
$30/mo. for the Square KDS app per device
$20/mo. for the Square KDS app per device

Square Kiosk app

Not available in Square Free
$50/mo. for the Square Kiosk app per device
$30/mo. for the Square Kiosk app per device

International card transaction fee

Included with every plan:

End-to-end encrypted payments

More solutions from Square

Square Banking

Take control of your cash flow with none of the usual fees.1

Square Banking

Square Banking

Take control of your cash flow with none of the usual fees.1

Square Banking

FAQ

  • Is there a free trial and can I cancel later?

    Square Plus and Square Premium each offer a free 30-day trial, and you can cancel or switch plans anytime. With Square Free, there are no monthly subscription costs — you only pay processing fees when you take a payment.

  • How much will I pay in processing fees?

    Processing fees vary based on the Square plan you choose. Square Premium offers the lowest processing fees. If you process over $250,000 per year, you can talk to our team about custom pricing and processing fees.

    Learn more about our fees

  • Can I accept any type of credit card?

    You can accept every major card — Visa, Mastercard, American Express, and Discover — all for the same processing fees. You can also take cash, checks, and Square Gift Cards.

  • When will I get paid?

    You can transfer funds to an external bank account the next business day for free or instantly for a fee.

    Learn more

  • Do I need to purchase hardware?

    You do not need to purchase hardware to take payments with Square. There are several ways to take payments without any hardware, including invoicing, payment links, virtual terminal, Tap to Pay on iPhone, and Tap to Pay on Android.

  • How can I get in touch for support?

    You can contact sales for support getting started or with your account.

  • How can I switch from my current solution?

    With Square you can get set up quickly. Import existing customer contacts and connect third–party apps you already use.

  • I already use Square. Has my pricing changed?

    If you're already using Square, your pricing may change depending on your current plan. We'll notify you ahead of time so you know exactly what to expect.

    These changes are designed to make Square's pricing simpler and give you more flexibility.

    Learn about changes to Square plans

Try Square

1Block, Inc. is a financial services platform and not an FDIC-insured bank. Banking services are provided by Square Financial Services, Inc. or Sutton Bank; Members FDIC.

2Square Checking is provided by Sutton Bank, Member FDIC. Square Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard. FDIC deposit insurance coverage only protects against the failure of an FDIC-insured deposit institution. If you have a Square Checking account, up to $250,000 of your balance may be covered by FDIC insurance on a pass-through basis through Sutton Bank, Member FDIC, subject to aggregation of the account holder’s funds held at Sutton Bank and if certain conditions have been met. See Terms and Conditions.

Instant availability of Square payments. Funds generated through Square’s payment processing services are generally available in the Square Checking account balance immediately after a payment is processed. Fund availability times may vary due to technical issues. Instant availability does not apply to funds added to the Square Checking account via ACH transfer. ACH credit transfers to your account may take 1–2 business days.

With early deposit access, Block, Inc. may make incoming electronic direct deposits made through ACH available for up to two days before the scheduled payment date. Not all direct deposits are eligible. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Early deposit access is automatic and there is no fee.

Instant Payouts services require a Square Checking account. Funds provided through Instant Payouts services are generally available in the Square Checking account balance immediately after an order is processed. Fund availability times may vary due to technical issues. If an order is not paid out instantly, it will be available according to your regular deposit schedule. Payout limits, including limits on payout amounts, may apply.

3Savings accounts are provided by Square Financial Services, Inc. Member FDIC. Accrue annual percentage yield (APY) of 1.00% per folder on folder balances over $10. APY subject to change, current as of 2/18/2025. No minimum deposit is required to open an account. Accounts will not be charged monthly fees. Accounts are FDIC-insured up to $2,500,000. Pending balances are not subject to FDIC insurance.

The rate of our savings account is more than 2x the national average of 0.41% APY, based on the national average of savings accounts rates published in the FDIC Weekly National Rates and Rate Caps accurate as of 1/21/2025.

4Square, the Square logo, Square Financial Services, Square Capital, and others are trademarks of Block, Inc. and/or its subsidiaries. Square Financial Services, Inc. is a wholly owned subsidiary of Block, Inc. All loans are issued by Square Financial Services, Inc. Actual fee depends upon payment card processing history, loan amount and other eligibility factors. A minimum payment of 1/18th of the initial loan balance is required every 60 days and full loan repayment is required within 18 months. Loan eligibility is not guaranteed. All loans are subject to credit approval.

5Square Bitcoin is not offered to NY Sellers or non-US Sellers. Availability subject to change and regulatory approval. Bitcoin’s value is volatile and can change quickly. Bitcoin transactions are irreversible and may experience occasional delays or payment failures. Bitcoin services are provided by Block, Inc., licensed where required. Block, Inc. operates in NY as Block of Delaware and is licensed to engage in virtual currency business activity by the NYDFS.

6Offline payments are processed automatically when you reconnect your device to the internet and will be declined if you do not reconnect to the internet within 24 hours of taking your first offline payment. By enabling offline payments, you are responsible for any expired, declined, or disputed payments accepted while offline. Square is unable to provide customer contact information for payments declined while offline. Offline payments are not supported on Square Reader for contactless and chip (1st generation, v1 and v2). Learn more about how to enable and use offline payments here