Square's published rate card is the clearest in-person flat-rate in the market. In-person tap or dip is 2.6% + $0.15 on the Free plan, dropping to 2.4% + $0.15 on Premium. Online is 3.3% + $0.30 on Free (the trade-off) and 2.9% + $0.30 on Plus/Premium. Keyed is 3.5% + $0.15 regardless of plan. Square does not charge a chargeback fee.
Pulled directly from the vendor pricing page, verified 2026-06-19. We do not re-state any rate the vendor has not put in writing on their own site.
Square wins for small in-person merchants and omnichannel SMBs who need one platform for retail, online, and invoicing without integrating two systems. In-person economics are the cleanest in the flat-rate set.
The trade-off is online: 3.3% + $0.30 on the Free plan is materially worse than Stripe headline. Plus/Premium close the gap but add a subscription fee that only makes sense above a few thousand a month.
The number on the homepage of Square is rarely the number a finance team books. Below are the line items that almost always show up, sourced from the same vendor pricing page where possible.
Honest flat-rate publishing with the cleanest in-person economics in the major-gateway set. Online card rate is the trade-off.