No monthly fees. No surprises.
Start free and only pay when you get paid. Upgrade when you're ready — never locked in.
No monthly fees to start
Start free and only pay when you take a card. Upgrade when you're ready for more — no contracts, cancel anytime.
Free
No monthly fee, ever
per in-person tap, dip, or swipe
Everything a solo operator needs to start taking cards today.
- No monthly fee — pay only when you take a card
- Free tap-to-pay on your phone + free reader
- Unlimited invoices & estimates
- Next-business-day deposits
- Accept Afterpay (Buy Now, Pay Later)
Plus
Lower rates · 30-day free trial
per in-person tap, dip, or swipe
For crews that want scheduling, deeper reports, and lower rates.
- Everything in Free, at a lower rate
- Advanced quotes & scheduling
- Team management & permissions
- Detailed sales & job reporting
- Priority support
Premium
Custom pricing
per in-person tap, dip, or swipe
High-volume operations that want the best rate and white-glove help.
- Everything in Plus, at the best rate
- Custom processing rates
- Dedicated account support
- Advanced payroll & multi-location
- API & integrations
Pricing reflects Square's published small-business rates and may change. Confirm current rates at squareup.com. Processing rates set by Square.
Compare the plans
Every plan includes the essentials. Pick more power only when you need it.
| Feature | Free | Plus | Premium |
|---|---|---|---|
| Monthly fee | $0 | 30-day free trial | Custom |
| In-person card rate | 2.6% + 15¢ | 2.5% + 15¢ | 2.4% + 15¢ |
| Online / invoice rate | 3.3% + 30¢ | 2.9% + 30¢ | 2.9% + 30¢ |
| Free card reader | |||
| Tap-to-pay on phone | |||
| Unlimited invoices | |||
| Next-day deposits | |||
| Afterpay financing | |||
| Estimates & scheduling | |||
| Team management | |||
| Advanced reporting | |||
| Dedicated support | |||
| Custom processing rates |
Rates and features reflect Square's published plans and may change. Always confirm current details at squareup.com.
Square's full rate card
No hidden fees and nothing buried in fine print. Here's exactly what Square charges for each way you can get paid.
| How you get paid | Free | Plus | Premium |
|---|---|---|---|
| In personTap, dip, swipe & Tap to Pay on your phone | 2.6% + 15¢ | 2.5% + 15¢ | 2.4% + 15¢ |
| Online & e-commerceCustomer checks out on a web page | 3.3% + 30¢ | 2.9% + 30¢ | 2.9% + 30¢ |
| Invoices paid by cardCustomer pays your emailed invoice | 3.3% + 30¢ | 2.9% + 30¢ | 2.9% + 30¢ |
| Manually keyed & card on fileYou type the card number in | 3.5% + 15¢ | 3.5% + 15¢ | 3.5% + 15¢ |
| ACH bank transferPay an invoice straight from a bank account | 1% ($1 min) | 1% ($1 min, $10 cap) | 1% ($1 min, $10 cap) |
| Afterpay (Buy Now, Pay Later)You're paid in full up front | 6% + 30¢ | 6% + 30¢ | 6% + 30¢ |
| Cash & checkRecorded for your books | Free | Free | Free |
Rates verified June 2026 from Square's published fees and may change. Confirm current rates at squareup.com. Rates can vary by product. Processing rates are set by Square.
Which plan is right for me?
Answer 3 quick questions.
1. How big is your crew?
2. Do you send estimates and schedule jobs ahead?
3. Roughly how much do you run in card payments a month?
No fine print
Yes. No monthly fee, no setup fee, and the card reader is free. You only pay a small percentage when you take a card payment. No card, no fee.
On the free plan, in-person card payments are 2.6% + 15¢, and online or invoice payments are 3.3% + 30¢. Manually keyed cards are 3.5% + 15¢, and Afterpay is 6% + 30¢ (you're paid in full up front). Paid Plus and Premium plans lower the in-person and online rates. See the full rate card above — and remember, with Dual Pricing your customers cover the card fee so you pay 0%.
No. There's no long-term contract and no cancellation fee. You can stop anytime.
Upgrade when you need scheduling, estimates, team tools, or a lower rate as your volume grows. Use the quiz above — or just ask us and we'll point you to the cheapest fit.
Get your free Square reader
Tell us a little about your business and a specialist will reach out within 1 business hour to set you up.
- A free card readerTake swipe & chip cards out of the box — shipped to your door, often same day.
- A real person, not a robotA Square specialist calls you within 1 business hour to get you running.
- No fees, no contractStart on the free plan. Cancel anytime. No surprises.
Field pros across the country trust Square to get paid.
Operated by Provantage, an authorized Square partner. We earn a commission when you sign up with Square.
Stop leaving money on the table.
Take cards on the job, send invoices in seconds, and get paid faster. It costs nothing to start.
No monthly fees to start · Cancel anytime · No credit card required