Square Fee Calculator Australia (2026 Updated Rates)
Square Australia has the cheapest card-present rate Square offers anywhere — just 1.6% tapped/dipped/inserted — while online and keyed transactions cost 2.2% flat.
Fee breakdown
| Platform | Total fees | Net | vs here | |
|---|---|---|---|---|
| Square (this page) | $2.20 | $97.80 | baseline | |
| Wise | $0.93 | $99.07 | +$1.27 More 🟢 | PK → |
| Stripe | $3.20 | $96.80 | −$1.00 Less 🔻 | PK → |
| Shopify | $3.20 | $96.80 | −$1.00 Less 🔻 | |
| PayPal | $3.98 | $96.02 | −$1.78 Less 🔻 | PK → |
| Lemon Squeezy | $5.50 | $94.50 | −$3.30 Less 🔻 | PK → |
| Gumroad | $13.70 | $86.30 | −$11.50 Less 🔻 | PK → |
Square fee quick reference (2026)
| Amount | Total fees | You keep | Take rate | Charge to net it |
|---|---|---|---|---|
| $10.00 | $0.22 | $9.78 | 2.2% | $10.23 |
| $25.00 | $0.55 | $24.45 | 2.2% | $25.57 |
| $50.00 | $1.10 | $48.90 | 2.2% | $51.13 |
| $100.00 | $2.20 | $97.80 | 2.2% | $102.25 |
| $250.00 | $5.50 | $244.50 | 2.2% | $255.63 |
| $500.00 | $11.00 | $489.00 | 2.2% | $511.25 |
| $1,000.00 | $22.00 | $978.00 | 2.2% | $1,022.50 |
Square fee formula & hidden costs
payment processing 2.20% + A$0.00
Worked example: $100.00 gross → $2.20 fees → $97.80 net. Reverse gross-up: charge = (target + fixed) / (1 − rate) → to net $100.00 charge $102.25.
Hidden fees to watch
- Keyed-in and card-on-file payments cost 3.5% + $0.15 — the most expensive Square channel.
- Afterpay/BNPL orders cost 6% + $0.30, more than double the online card rate.
- Square keeps the processing fee when you refund a customer.
- Instant transfers cost 1.75% of the transfer amount (standard next-day deposits are free).
- Square Payroll, Loyalty and advanced POS tiers bill separately from processing.
How to pay less in Square fees
- Use the reverse calculator to pass fees to the client explicitly instead of eating them.
- Batch small orders — fixed per-order fees dominate sub-$10 transactions.
- Avoid currency conversion inside the platform; settle in your own currency via a multi-currency account.
- Compare QuickBooks — Small-business accounting and self-employed tax tracking.
Frequently asked questions
What is the Square fee on a A$100 sale in Australia (A$)?
On a $100.00 sale, Square deducts $2.20 total fees, leaving $97.80 — an effective take rate of 2.2%.
How much should I charge to receive exactly A$100 after Square fees?
Charge $102.25: the $2.25 fee leaves exactly $100.00 net. Use the reverse tab above for any target.
What is the Square fee formula in Australia (A$)?
payment processing 2.20% + A$0.00. 2.2% online / 1.6% in person. All figures verified 2026-11-10 against the official pricing page.
Does Square refund fees when a buyer is refunded?
No — Square keeps the original processing fee on refunds, so a full refund on a $100.00 sale costs you about $2.20.