Want your own numbers? The Square calculator shows every fee and your profit as you type.
Open the Square US fee calculatorSquare invoices are free to create and send. You pay only when a customer pays, and the fee depends on whether they use a card or their bank. Select the invoice options in the Square fee calculator to check any amount.
The rates
- Card payments on invoices: 3.3% + $0.30.
- ACH bank transfer payments: 1%, with a $1 minimum.
Card vs ACH
| Price | Paid by card | Paid by ACH |
|---|---|---|
| $100.00 | $3.60 | $1.00 |
| $250.00 | $8.55 | $2.50 |
| $500.00 | $16.80 | $5.00 |
| $1,000.00 | $33.30 | $10.00 |
| $2,500.00 | $82.80 | $25.00 |
| $5,000.00 | $165.30 | $50.00 |
On a $2,500 invoice, the difference is $57.80. For businesses that invoice large amounts, encouraging bank payments pays off quickly.
How to steer clients to ACH
- Mention the bank transfer option in your quote and on the invoice itself.
- Offer a small early-payment or bank-transfer discount, if that suits your business.
- For retainers, set up recurring invoices and ask for bank payment from the start.
Getting the full invoice amount
To receive a set amount after card fees, divide it plus $0.30 by 0.967. To receive $1,000, invoice $1,034.44. The calculator’s take-home field works this out for you.
Other options
Stripe’s ACH is capped at $5 per payment, which is cheaper still for very large invoices. PayPal invoices cost 3.49% + $0.49. Compare in PayPal invoice fees and Stripe ACH vs card fees.
Frequently asked questions
How much does Square charge for invoices?
3.3% plus $0.30 when paid by card, and 1% with a $1 minimum when paid by ACH bank transfer.
Is there a fee to send a Square invoice?
No. You only pay when the invoice is paid.
Run your next sale through the calculator before you commit.
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