Square Fee Calculator Australia
Enter a sale in Australian dollars and how the customer pays. You get Square's fee, what you keep and what to charge to keep the full amount, at Square's Australian rates read on 17 October 2026.
What the customer pays, in Australian dollars.
1.6%. Square's Australian rates, from its Australian fee page.
- Your choice: 1.60% of the payment
- The other payment types
- A$100.00 × 1.6%= A$1.60 fee
- A$100.00 − A$1.60= A$98.40 you keep
- A$100.00 ÷ (1 − 1.6%)= charge A$101.63
Square takes 1.6% from a card tapped or inserted in person in Australia, with no fixed fee.
Square fee = sale × 1.6%
you keep = sale − Square fee
On an A$100 sale, 1.6% is A$1.60, so you keep A$98.40. Square adds nothing per transaction. Stripe and PayPal both add 30 cents to every card payment in Australia.
An A$100 card sale in person
Every card brand costs the same 1.6% in person, American Express included.
Square's page says Visa, Mastercard, EFTPOS, JCB and American Express "all cost the same rate" when the card is tapped or inserted. You do not need to know which card a customer used to know the fee. Square's other rates are just as flat: one rate per way of paying.
| Way of paying | Rate | A$10 | A$100 | A$500 |
|---|---|---|---|---|
| In person | 1.6% | A$0.16 | A$1.60 | A$8.00 |
| Online, keyed in or invoice | 2.2% | A$0.22 | A$2.20 | A$11.00 |
| Afterpay | 6% + A$0.30 | A$0.90 | A$6.30 | A$30.30 |
| In person, joined before 30 May 2024 | 1.9% | A$0.19 | A$1.90 | A$9.50 |
Online, keyed-in, card on file and invoice payments all cost 2.2%.
Square charges 2.2% whenever the card is not in front of you: a sale on your Square Online site, a payment through the eCommerce API, an invoice paid online, a card typed into Virtual Terminal or a saved card on file. On A$100 that is A$2.20, A$0.60 more than the same sale in person.
Below A$54.55, Square's 2.2% online costs less than Stripe's 1.65% plus 30 cents, and above it Stripe costs less.
With no fixed fee, Square takes the same share of an A$5 sale as of an A$500 one. Stripe's 30 cents weighs heavily on a small payment and hardly at all on a large one, so the cheaper of the two depends on the size of your average sale.
| Payment | Square, in person | Square, online | Stripe, Australian card |
|---|---|---|---|
| A$5 | A$0.08 | A$0.11 | A$0.38 |
| A$20 | A$0.32 | A$0.44 | A$0.63 |
| A$50 | A$0.80 | A$1.10 | A$1.13 |
| A$100 | A$1.60 | A$2.20 | A$1.95 |
| A$500 | A$8.00 | A$11.00 | A$8.55 |
Sellers who joined Square before 30 May 2024 pay 1.9% in person instead of 1.6%.
Square's page says the 1.6% rate is for sellers who signed up on or after 30 May 2024, and 1.9% applies to earlier sellers using Square Reader, Square Stand or Tap to Pay. On A$20,000 a month of in-person card sales, the gap is A$60.00 a month, A$720.00 a year. Pick "In person, joined before 30 May 2024" in the calculator to see the older rate.
Square's fee on A$20,000 a month of in-person card sales
Afterpay through Square costs 6% plus 30 cents per transaction, before GST.
Afterpay lets the customer pay in instalments. On an A$100 sale the fee is A$6.30 before GST, nearly four times the in-person card fee, and on A$500 it is A$30.30. Square's page notes that different pricing may apply with certain products and subscription plans.
To receive an exact amount, divide it by what Square's percentage leaves.
amount to charge = amount you want ÷ (1 − Square's percentage)
To keep A$100 from an in-person card sale, charge A$100 ÷ 0.984, which is A$101.63. Online it is A$100 ÷ 0.978, which is A$102.25. With no fixed fee, that is the whole sum.
On an A$100 online payment, PayPal's and Stripe's card rates cost less than Square's 2.2%.
At A$100, Square online costs A$2.20, Stripe on an Australian card A$1.95 and PayPal's advanced card payments A$1.80. A payment from a PayPal account costs the most, A$3.20. On smaller online sales the order turns, because Square has no fixed fee.
The fee on an A$100 online card payment in Australia
Sources: Square, Our fees (Australia); Stripe, Pricing & Fees (Australia); PayPal, Merchant Fees (Australia), last updated 13 October 2026. All read 17 October 2026. Square's Australian fee page · Stripe's Australian pricing page · PayPal's Australian fee page
Compare your own amount on the Stripe fee calculator Australia and the PayPal fee calculator Australia, or use the Square fee calculator for US dollar payments. 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.
People also ask these questions about Square fees in Australia.
What are Square's fees in Australia?
Square's Australian page lists 1.6% for a card tapped or inserted in person and 2.2% for a card not present: online, keyed in, a card on file, an invoice or Virtual Terminal. Afterpay costs 6% + A$0.30 per transaction, before GST.
How much is the Square fee on A$100?
A$1.60 in person and A$2.20 online or by invoice, so you keep A$98.40 or A$97.80. An A$100 Afterpay sale costs A$6.30 before GST.
Does Square charge a fixed fee per transaction in Australia?
Not on card payments. Square's Australian card rates are a percentage only, so an A$5 sale and an A$500 sale pay the same share. Afterpay is the exception, with 30 cents added to each transaction.
Does Square charge monthly fees in Australia?
Square's Australian fee page says there is "one rate per payment method" and "no hidden fees", and that "you only pay for what you process".
Why do some Square sellers in Australia pay 1.9%?
The 1.6% in-person rate applies to sellers who signed up on or after 30 May 2024. Sellers who signed up before then pay 1.9% with Square Reader, Square Stand or Tap to Pay, as Square's fee schedule lists.
Can I get lower Square fees in Australia?
Square offers custom pricing to businesses that process more than A$250,000 a year, depending on payment volume and average transaction size.
These free calculators cover the rest of your subscription numbers.
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- MRR and ARR calculatorNet new MRR, ending MRR and ARR, drawn as a waterfall.
- Failed payment recovery calculatorWhat failed payments cost a month and a year, and what recovery saves.
- Stripe fee calculatorThe Stripe fee on any charge, and what you keep.
- PayPal fee calculatorPayPal's fee by how the buyer pays, at its current US rates.
- Square fee calculatorSquare's fee on the Free, Plus or Premium plan, and what you keep.
- Price increase calculatorThe percentage change, the new MRR, and how many customers can leave.
- Proration calculatorProrate a price by the day, and price a mid-period plan change.
- Gross margin calculatorGross profit, margin and markup, and the price for a target margin.
The Stripe, PayPal and Square fee calculators also come in UK, Canadian and Australian versions.
- United Kingdom, in poundsStripe fee calculator UKPayPal fee calculator UK
- Canada, in Canadian dollarsStripe fee calculator CanadaPayPal fee calculator CanadaSquare fee calculator Canada
- Australia, in Australian dollarsStripe fee calculator AustraliaPayPal fee calculator AustraliaSquare fee calculator Australia