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Square Pricing (March 2026)
Free plan available
Prices verified March 16, 2026
How much does Square cost?
Square offers a free plan with paid tiers starting at Free/yr.
Free TierYes
Starting PriceFree
Number of Plans4
Billing Cycleone-time
Pricing Modelusage-based
All Plans
Most Popular
In-Person Payments
$2.60/yr
Billed one-time
- 2.6% + 15¢ per transaction
- Tap, dip, swipe payments
- Offline mode for 24 hours
- Free POS app
Online Payments
$2.90/yr
Billed one-time
- 2.9% + 30¢ per transaction
- eCommerce integration
- Payment links
- Free online store setup
Keyed-In Payments
$3.50/yr
Billed one-time
- 3.5% + 15¢ per transaction
- Manual entry
- Virtual terminal
- Phone orders
ACH Bank Transfers
$1/yr
Billed one-time
- 1% per transaction (min $1)
- Bank-to-bank transfers
- Invoice payments only
- Lower processing fees
Feature Breakdown by Plan
| Feature | In-Person Payments | Online Payments | Keyed-In Payments | ACH Bank Transfers |
|---|---|---|---|---|
| 2.6% + 15¢ per transaction | ✓ | ✗ | ✗ | ✗ |
| Tap, dip, swipe payments | ✓ | ✗ | ✗ | ✗ |
| Offline mode for 24 hours | ✓ | ✗ | ✗ | ✗ |
| Free POS app | ✓ | ✗ | ✗ | ✗ |
| 2.9% + 30¢ per transaction | ✗ | ✓ | ✗ | ✗ |
| eCommerce integration | ✗ | ✓ | ✗ | ✗ |
| Payment links | ✗ | ✓ | ✗ | ✗ |
| Free online store setup | ✗ | ✓ | ✗ | ✗ |
| 3.5% + 15¢ per transaction | ✗ | ✗ | ✓ | ✗ |
| Manual entry | ✗ | ✗ | ✓ | ✗ |
| Virtual terminal | ✗ | ✗ | ✓ | ✗ |
| Phone orders | ✗ | ✗ | ✓ | ✗ |
| 1% per transaction (min $1) | ✗ | ✗ | ✗ | ✓ |
| Bank-to-bank transfers | ✗ | ✗ | ✗ | ✓ |
| Invoice payments only | ✗ | ✗ | ✗ | ✓ |
| Lower processing fees | ✗ | ✗ | ✗ | ✓ |
Is Square Worth It?
4.6/5 from 2,500 reviews
The free plan lets you test core functionality before committing.
Paid plans range from $1/yr (ACH Bank Transfers) to $3.50/yr (Keyed-In Payments). Most users pick the In-Person Payments plan.
Best for: Small businesses and retail needing quick payments without contracts, Mobile vendors and food trucks using Tap to Pay on phones, Service professionals sending invoices and payment links. Keep in mind: higher rates for keyed-in transactions (3.5%) and afterpay (6%).
Square Pros & Cons
Pros
- No monthly fees or contracts with simple pay-per-use pricing
- Versatile payment acceptance anywhere - in-person, online, mobile, offline
- Instant fund access and free banking tools with Square Checking
- Easy setup with no coding required, works with phone alone
- Built-in security with PCI compliance and encryption
- Fast deposits in 1-2 business days with instant transfer option
- Scalable APIs for developers and custom solutions
Cons
- Higher rates for keyed-in transactions (3.5%) and Afterpay (6%)
- Instant transfers incur fees with payout limits for new sellers
- Dependent on linked bank account for advanced banking features
- Offline storage limited to 24 hours only
- ACH minimum $1 fee may add up for small invoices
Frequently Asked Questions
Square offers a free plan. Paid plans start at Free/yr, billed one-time. There are 4 plans total.
Yes, Square offers a free tier that lets you try core features before upgrading to a paid plan.
The most affordable paid plan is ACH Bank Transfers at $1/yr.
With a 4.6/5 rating from 2,500 reviews, Square is well-regarded. Best for: Small businesses and retail needing quick payments without contracts, Mobile vendors and food trucks using Tap to Pay on phones, Service professionals sending invoices and payment links.
Square bills one-time. The pricing model is usage-based.
Square offers 4 plans: In-Person Payments, Online Payments, Keyed-In Payments, ACH Bank Transfers.