Square Fee Calculator Canada

Square takes 2.8% plus 30 cents from an online or invoice payment in Canada.

Square fee = payment × 2.8% + CA$0.30
you keep = payment − Square fee

The rate covers Square Online, the eCommerce API, an invoice paid online and Interac debit through Apple Pay or Google Pay online. On a CA$100 payment, 2.8% is CA$2.80. Adding 30 cents makes CA$3.10, so you keep CA$96.90.

In person, a credit card costs 2.5% and an Interac debit card costs 0.75% plus 7 cents.

Visa, Mastercard and American Express credit cards all pay 2.5% when tapped or inserted, with no fixed fee. Interac debit pays 0.75% + CA$0.07 per tap, insert or swipe. On a CA$100 sale that is CA$2.50 by credit card and CA$0.82 by debit.

Interac debit costs less than a credit card on every sale over CA$4.

At CA$4 both cost CA$0.10. Above that the low 0.75% wins; below it the 7 cents makes Interac the dearer of the two. Square's own example is a CA$50 Interac sale, where the business keeps CA$49.55.

Keying in a card or charging one on file costs 3.3% plus 15 cents, Square's highest rate in Canada.

Square charges more when the card is not present, and says the extra goes to the card-issuing bank. On CA$100, a keyed-in card or a card on file costs CA$3.45, against CA$3.10 through Square Online and CA$2.50 in person. If you bill regular customers on saved cards, this is the rate to plan around.

A card issued outside Canada adds 1.5% to every credit card payment.

Square adds 1.5% "to transactions made with cards issued outside of Canada", in person and online. A CA$100 online payment from a US visitor's card costs CA$4.60. Pick "Outside Canada" in the calculator to add it.

Next-business-day deposits are included, and an instant transfer costs 1.95%.

Square pays your sales into your bank account the next business day at no charge. If you need the money sooner, an instant transfer costs 1.95% of the amount moved: CA$19.50 on CA$1,000, more than six times the fee on a CA$100 online sale.

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 CA$100 from an online payment, charge (CA$100 + CA$0.30) ÷ 0.972, which is CA$103.19. For a credit card in person there is no fixed fee, so it is CA$100 ÷ 0.975, which is CA$102.56.

Online, Square's 2.8% plus 30 cents costs 10 cents less than Stripe on a CA$100 payment.

Stripe charges 2.9% + CA$0.30 on a Canadian card, the same as a PayPal account payment. PayPal's advanced card payments, at 2.7% + CA$0.30, cost 10 cents less than Square on CA$100.

Sources: Square, Our fees (Canada); Stripe, Pricing & Fees (Canada); PayPal, Merchant Fees (Canada), last updated 13 October 2026. All read 17 October 2026. Square's Canadian fee page · Stripe's Canadian pricing page · PayPal's Canadian fee page

Compare your own amount on the Stripe fee calculator Canada and the PayPal fee calculator Canada, 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.