Cash App Fee Calculator

Cash App takes 2.6% plus 15 cents from a payment to a Cash App Business account.

Cash App fee = payment × percentage + fixed fee
you keep = payment − Cash App fee

On a $100 payment, 2.6% is $2.60. Adding the $0.15 fixed fee makes $2.75, so you keep $97.25 and the fee is 2.75% of the payment.

Cash App deducts the fee before the money reaches your balance, so the amount you see in your balance is already what you keep. These are the rates for a Cash App Business account, the account Cash App's business fee page covers.

Tap to Pay costs 3% with no fixed fee, which is less than the account payment rate on anything under $37.50.

A payment accepted with Tap to Pay costs 3%, which is $3.00 on $100. That is $0.25 more than the $2.75 on a Cash App account payment. At $37.50 the two cost the same. Below it, the 15 cents fixed fee outweighs Tap to Pay's extra 0.4 points of percentage.

The fixed 15 cents makes small payments the most expensive to take.

The fixed fee is the same on every payment, so it weighs more on a small one. On a Cash App account payment, a $5 payment loses 5.6% to fees and a $500 payment loses 2.6%.

An Instant Transfer costs between 0.5% and 2.5%, and Cash App shows the exact fee before you confirm.

Cash App's withdrawal page says instant transfers are "subject to a 0.5%-2.5% fee (minimum $0.25-$1, maximum $75)", and that the fee "will be displayed before you complete the transaction". Cash App does not publish which transfers get which rate, so the table shows the least and the most the published range allows: the lowest percentage with the lowest minimum, and the highest percentage with the highest minimum. A standard transfer is free and usually arrives in 1 to 3 business days.

The calculator shows the same range for the money you keep, because that is the amount you move.

To receive an exact amount, add the fixed fee and divide by what the percentage leaves.

amount to charge = (amount you want + fixed fee) ÷ (1 − percentage)

To keep $100 from a Cash App account payment, charge ($100 + $0.15) ÷ (1 − 2.6%), which is $102.82. Cash App's fee on $102.82 is $2.82, and $100 is left. Adding 2.6% to $100 is not enough, because the percentage is taken from the larger amount.

On a $100 payment, a Cash App account payment costs $2.75, less than Stripe's $3.20 and PayPal Checkout's $3.98.

Stripe's standard US price is 2.9% + 30¢ per successful payment on a domestic card, which is $3.20 on $100. PayPal Checkout costs $3.98 on the same payment, and a Venmo business profile $2.00. Tap to Pay on Cash App, at $3.00, also comes in under Stripe.

Sources: Cash App, Business Fees and Withdrawal Transfer Speed Options; PayPal, Merchant Fees (United States); Stripe, stripe.com/pricing; Venmo, Fees with your Venmo Account. Cash App's business fee page · Cash App's transfer speed page · Venmo's fee page · PayPal's fee page · Stripe's pricing page

To work out the same fee on PayPal or Stripe, use the PayPal fee calculator or the Stripe fee calculator. The Venmo fee calculator does the same for Venmo.

If you sell subscriptions on Stripe, 1Capture collects the first payment in the last 2 hours of a trial and retries it up to 10 times if it fails, as the payment capture page explains.