Square Up fee calculator: calculate Square fees by channel
Square Up fee calculator to calculate Square fees for US Free-plan in-person, online, API and keyed card payments, compare processors, and reverse a price for your target payout.
Fees verified · Official source: Square US (Free plan) · All rate sources
Calculate Square fees for a target payout
Choose reverse mode and enter the payout or profit you need. The Square Up fee calculator finds the lowest cent price under the selected channel and editable rates.
Your estimate
- Net payout
Where the money goes
- Seller revenue
- Estimated fees
- Item cost
- Your shipping cost
- Profit after costs
- Profit margin
- ROI
- Required listing price
Calculated in your browser. Your entries are not sent anywhere.
Fee assumptions
Square US (Free plan)
Verified against the official page on 2026-10-25
| Fee assumptions | Value | Official fee schedule | Verified on |
|---|---|---|---|
| Payment methods · In-person tap / dip / swipe · Transaction / main fee (%) | 2.6% | Official fee schedule | 2026-10-25 |
| Payment methods · In-person tap / dip / swipe · Fixed fee per order | $0.15 | Official fee schedule | 2026-10-25 |
| Payment methods · Online / invoice card · Transaction / main fee (%) | 3.3% | Official fee schedule | 2026-10-25 |
| Payment methods · Online / invoice card · Fixed fee per order | $0.30 | Official fee schedule | 2026-10-25 |
| Payment methods · Online API · Transaction / main fee (%) | 2.9% | Official fee schedule | 2026-10-25 |
| Payment methods · Online API · Fixed fee per order | $0.30 | Official fee schedule | 2026-10-25 |
| Payment methods · Manual entry / card on file · Transaction / main fee (%) | 3.5% | Official fee schedule | 2026-10-25 |
| Payment methods · Manual entry / card on file · Fixed fee per order | $0.15 | Official fee schedule | 2026-10-25 |
| Additional international fee (%) | 1.5% | Official fee schedule | 2026-10-25 |
Defaults to Square Free plan. In-person (tap/dip/swipe) 2.6% + $0.15; online/invoice card 3.3% + $0.30; Online API 2.9% + $0.30; manual entry/card on file 3.5% + $0.15. International cards add 1.5%. Percent and fixed fields are editable for Plus/Premium or custom pricing. Hardware, monthly plan fees, Afterpay, cash/check and ACH minimums are excluded from the card estimate.
Entered tax is included in the modeled fee base, but is never seller revenue.
Stripe US
Verified against the official page on 2026-10-25
| Fee assumptions | Value | Official fee schedule | Verified on |
|---|---|---|---|
| Transaction / main fee (%) | 2.9% | Official fee schedule | 2026-10-25 |
| Fixed fee per order | $0.30 | Official fee schedule | 2026-10-25 |
| Additional international fee (%) | 1% | Official fee schedule | 2026-10-25 |
Official fee schedule · Stripe Fee Calculator — Calculate Stripe Fees
US domestic cards default to 2.9% + $0.30. International cards add 1%. Currency conversion, disputes, Radar, Instant Payouts and non-card methods are not modeled.
Entered tax is included in the modeled fee base, but is never seller revenue.
PayPal US
Verified against the official page on 2026-10-15
| Fee assumptions | Value | Official fee schedule | Verified on |
|---|---|---|---|
| Payment methods · PayPal Checkout · Transaction / main fee (%) | 3.49% | Official fee schedule | 2026-10-15 |
| Payment methods · PayPal Checkout · Fixed fee per order | $0.49 | Official fee schedule | 2026-10-15 |
| Payment methods · Standard card payments · Transaction / main fee (%) | 2.99% | Official fee schedule | 2026-10-15 |
| Payment methods · Standard card payments · Fixed fee per order | $0.49 | Official fee schedule | 2026-10-15 |
| Payment methods · Goods & Services send/receive · Transaction / main fee (%) | 2.99% | Official fee schedule | 2026-10-15 |
| Payment methods · Goods & Services send/receive · Fixed fee per order | $0.00 | Official fee schedule | 2026-10-15 |
| Additional international fee (%) | 1.5% | Official fee schedule | 2026-10-15 |
| Fixed fee in payment currency · EUR | €0.39 | Official fee schedule | 2026-10-15 |
| Fixed fee in payment currency · GBP | £0.39 | Official fee schedule | 2026-10-15 |
| Fixed fee in payment currency · JPY | ¥49 | Official fee schedule | 2026-10-15 |
Official fee schedule · PayPal Fee Calculator 2026
PayPal Checkout is the default. Standard card payments and Goods & Services send/receive have separate rates. The official page supplied for this verification was last updated October 1, 2026. Non-USD fixed fees are shown as reference only; this calculator settles in USD.
Entered tax is included in the modeled fee base, but is never seller revenue.
eBay US
Verified against the official page on 2026-10-15
| Fee assumptions | Value | Official fee schedule | Verified on |
|---|---|---|---|
| Transaction / main fee (%) | 13.6% | Official fee schedule | 2026-10-15 |
| Main rate applies up to | $7,500.00 | Official fee schedule | 2026-10-15 |
| Rate above the tier limit (%) | 2.35% | Official fee schedule | 2026-10-15 |
| Small-order threshold (inclusive) | $10.00 | Official fee schedule | 2026-10-15 |
| Fixed fee for small orders | $0.30 | Official fee schedule | 2026-10-15 |
| Fixed fee per order | $0.40 | Official fee schedule | 2026-10-15 |
Official fee schedule · eBay Fee Calculator 2026 — Selling Fees
Uses the most-categories schedule, without a Store subscription. The fee base includes item price, shipping and entered sales tax. Tax is remitted and is not seller income. Other categories, promoted listings and seller surcharges are excluded.
Entered tax is included in the modeled fee base, but is never seller revenue.
Etsy US
Verified against the official page on 2026-10-16
| Fee assumptions | Value | Official fee schedule | Verified on |
|---|---|---|---|
| Transaction / main fee (%) | 6.5% | Official fee schedule | 2026-10-16 |
| Payment processing (%) | 3% | Official fee schedule | 2026-10-16 |
| Fixed fee per order | $0.25 | Official fee schedule | 2026-10-16 |
| Listing fee per item | $0.20 | Official fee schedule | 2026-10-16 |
Official fee schedule · Etsy Fee Calculator
Models one listing sold once, with Etsy Payments in the US. Transaction and processing fees apply to price plus shipping. Offsite Ads, currency conversion, regulatory fees, tax and VAT on fees are excluded.
This scenario excludes tax from the calculation, including comparisons. Tax-related fees are not estimated.
Depop US
Verified against the official page on 2026-10-22
| Fee assumptions | Value | Official fee schedule | Verified on |
|---|---|---|---|
| Transaction / main fee (%) | 0% | Official fee schedule | 2026-10-22 |
| Payment processing (%) | 3.3% | Official fee schedule | 2026-10-22 |
| Fixed fee per order | $0.45 | Official fee schedule | 2026-10-22 |
| Optional boosted listing fee (%) | 12% | Official fee schedule | 2026-10-22 |
| Selling fee outside UK/US/AUS (%) — reference only | 10% | Official fee schedule | 2026-10-22 |
Official fee schedule · Depop Fees Calculator — Seller & Selling Fees US / UK
US and UK sellers pay no Depop selling fee. Depop Payments via Stripe processing is 3.3% + $0.45 in the US and 2.9% + £0.30 in the UK, on item price + shipping + applicable taxes. Optional boosting is 12% for new US/UK listings from 23 March 2026 (2026-03-23). Its base excludes taxes and includes shipping only when you are not using a Depop shipping label. Enter label costs in your shipping cost. Buyer marketplace fees are excluded.
Entered tax is included in the modeled fee base, but is never seller revenue.
Mercari US
Verified against the official page on 2026-10-22
| Fee assumptions | Value | Official fee schedule | Verified on |
|---|---|---|---|
| Transaction / main fee (%) | 10% | Official fee schedule | 2026-10-22 |
| Fixed fee per order | $0.00 | Official fee schedule | 2026-10-22 |
Official fee schedule · Mercari Fees Calculator — Seller & Selling Fees
Uses the best-known US seller-fee structure on item price plus buyer-paid shipping, with no separate seller processing fee. Buyer charges, withdrawal fees and optional services are excluded.
This scenario excludes tax from the calculation, including comparisons. Tax-related fees are not estimated.
Poshmark US
Verified against the official page on 2026-10-16
| Fee assumptions | Value | Official fee schedule | Verified on |
|---|---|---|---|
| Transaction / main fee (%) | 20% | Official fee schedule | 2026-10-16 |
| Percentage fee starts at | $15.00 | Official fee schedule | 2026-10-16 |
| Flat fee below threshold | $2.95 | Official fee schedule | 2026-10-16 |
Official fee schedule · Poshmark Fee Calculator
Buyer-paid Poshmark shipping is collected by the platform and excluded from seller revenue. Enter any seller-funded shipping discount or label expense as your shipping cost.
This scenario excludes tax from the calculation, including comparisons. Tax-related fees are not estimated.
How the calculation works
Defaults to Square Free plan. In-person (tap/dip/swipe) 2.6% + $0.15; online/invoice card 3.3% + $0.30; Online API 2.9% + $0.30; manual entry/card on file 3.5% + $0.15. International cards add 1.5%. Percent and fixed fields are editable for Plus/Premium or custom pricing. Hardware, monthly plan fees, Afterpay, cash/check and ACH minimums are excluded from the card estimate.
Fee = (item price + buyer-paid shipping + entered tax) × (channel percent + optional international percent) + fixed fee. Payout = item price + shipping − fees. Profit = payout − item cost − your shipping cost. Editable percent/fixed override the Free-plan channel defaults.
Estimates exclude unlisted charges. Reverse prices round up to the smallest currency unit that meets your target.
Square fees explained
This Square fees calculator starts from Square Free plan card rates and lets you pick the payment channel. In-person tap/dip/swipe is 2.6% + $0.15; online or invoice cards are 3.3% + $0.30. Online API matches 2.9% + $0.30; keyed or card-on-file is 3.5% + $0.15. International cards add 1.5%. Plus and Premium plans publish lower in-person and online rates — edit the percent and fixed fields when your account differs.
Compare platforms at the same sale price
Same item price, costs, and buyer-paid shipping. The current platform follows the selected controls; other rows use platform defaults. Required listing prices appear in reverse mode. Poshmark shipping is paid to the platform and excluded from seller revenue. Payment processors and marketplaces provide different services. Optional promotions and buyer fees are excluded.
| Platform | Estimated fees | Net payout | Profit after costs | Required listing price | Verification |
|---|---|---|---|---|---|
| Stripe US | $3.20 | $96.80 | $96.80 | — | Verified against the official page on 2026-10-25 |
| Square US (Free plan) | $2.75 | $97.25 | $97.25 | — | Verified against the official page on 2026-10-25 |
| PayPal US | $3.98 | $96.02 | $96.02 | — | Verified against the official page on 2026-10-15 |
| eBay US | $14.00 | $86.00 | $86.00 | — | Verified against the official page on 2026-10-15 |
| Etsy US | $9.95 | $90.05 | $90.05 | — | Verified against the official page on 2026-10-16 |
| Depop US | $3.75 | $96.25 | $96.25 | — | Verified against the official page on 2026-10-22 |
| Mercari US | $10.00 | $90.00 | $90.00 | — | Verified against the official page on 2026-10-22 |
| Poshmark US | $20.00 | $80.00 | $80.00 | — | Verified against the official page on 2026-10-16 |
Frequently asked questions
What does the target amount mean?
Choose payout to calculate the amount after platform fees but before costs. Choose profit to also subtract item and seller-paid shipping costs. Reverse mode finds the lowest listing price in cents (whole yen for JPY) that reaches your target, including fee thresholds.
Are these fees guaranteed?
No. The fee table states the region, assumptions, official source and verification status. Optional charges, account-specific pricing, taxes on fees and platform rounding can change the actual payout.
How does the comparison work?
All rows use the same item price and costs. The current platform follows your selected payment type and seller category; other rows use their defaults. Each platform retains its own fee base. The displayed verification status applies to each row; read the assumptions before comparing.
How do I calculate Square fees on Square Up?
Pick the payment channel, then enter the sale. A $100 in-person Free-plan charge costs $2.75 in fees ($100 × 2.6% + $0.15) and leaves $97.25 before your costs. Switch to online/invoice for 3.3% + $0.30.
Do Square Free, Plus and Premium use the same rates?
No. This calculator defaults to Free plan card rates. Plus and Premium advertise lower in-person and online percentages; edit the percent and fixed fields to match your Dashboard. Monthly location fees are not deducted here.
What is the difference between in-person and online Square fees?
In-person covers tap, dip or swipe when the card is present (2.6% + $0.15 on Free). Online/invoice card payments use 3.3% + $0.30. Online API is 2.9% + $0.30; keyed or card on file is 3.5% + $0.15.
Are international cards, ACH, hardware or subscriptions included?
International cards add 1.5%. ACH via invoice (1% with a $1 minimum on Free) is described only in the FAQ and not selected as a channel. Hardware purchases and Plus/Premium monthly fees are excluded.
Can I compare Square with Stripe or PayPal?
Yes. The comparison table uses each platform’s defaults alongside your Square channel settings. Open the linked Stripe and PayPal calculators for their own controls.
Can I target a profit margin or ROI?
Yes. In reverse mode, choose payout, profit, profit margin (profit ÷ seller revenue) or ROI (profit ÷ your costs) and enter the target. The calculator finds the lowest price that reaches it under the selected fee rules. Margins at or above the platform’s maximum cannot be reached, and ROI needs a cost above zero.