Credit card processing for small business no monthly fee

Priced to help you grow and thrive.

Start for free and add tools as you need them, or explore our plans to get everything you need at once.

Plans for every stage

Free

Sell in person, online, over the phone, or out in the field. No setup fees or monthly fees — only pay when you take a payment.

$0/mo.
+ processing fees

Get started free

Plus

Get advanced features designed specifically for restaurants, retailers, or appointment-based businesses. Upgrade when you want to, cancel anytime.

$29+/mo.
+ processing fees

See packages below

Premium

Build a bespoke plan that meets the complexity of your operations. Custom processing rates may be available pending eligibility.

Custom
+ processing fees

Contact sales

Included with every Square account:

• Transfers as soon as the next business day
• Account takeover protection
• Fast online signup
• Free Square Reader for magstripe
• End-to-end encrypted payments
• Live phone support
• Free Square Point of Sale app
• Active fraud prevention
• Dispute management

Square POS

Take payments in person, online, over the phone, or out in the field — no training required.

Starting at $0/mo.

Payroll

Track hours, pay employees faster, and automate your tax filings all in one place to streamline payday.

Starting at $35/mo. + $5 monthly fee per person paid

Online Store

Easily sell, take bookings, and show off your services online. Plus, reach customers on Instagram and Facebook.

Starting at $0/mo.

Invoices

Send digital invoices and estimates, accept payments, send reminders, and track which invoices are paid.

Starting at $0/mo.

Email Marketing

Stay connected to customers with POS-integrated, automated email marketing.

Starting at $15/mo.

Text Message Marketing

Text customers directly about sales and arrivals, and send coupons and more so you stay top of mind.

Starting at $10/mo. + messaging rates

Virtual Terminal

Turn your computer into a credit card terminal to offer remote billing and take credit card payments over the phone.

Starting at $0/mo.

Online Checkout

Create payment links, buy buttons, or QR codes. Share them through social media, email, text, or on your website.

Starting at $0/mo.

Gift Cards

Bring in new customers with custom digital or physical gift cards.

Starting at $0/mo.

Loyalty

Keep customers coming back with an easy-to-use rewards program.

Starting at $45/mo.

Team Management

Set the schedule, track time, and let your team clock in and out at your POS to streamline management.

Starting at $0/mo.

Customer Directory

Automatically create a customer profile with basic contact information each time you make a sale.

Starting at $0/mo.

Afterpay

Let customers pay in installments, while you get paid in full with Afterpay. More options for them. More sales for you.

6% + 30¢ per transaction

Checking

Get instant access to your money with a free business debit card. No minimums, no recurring fees.1

No fees.

Savings

Automatically set aside a portion of your sales into folders for anything from taxes to rainy-day expenses.1

No fees.

Loans

Become eligible for a loan up to $250K by processing payments on Square. Get funds as soon as the next business day.1,2

No interest — just one flat fee.

Card present

When a customer taps, dips, or swipes their card in person. Visa, Mastercard, Discover, and American Express all cost the same rate.

2.6% + 10¢ per transaction

Card not present

When a customer makes a purchase through your Online Store, Online Checkout, eCommerce API, or pays an invoice online.

2.9% + 30¢ per transaction

Keyed in

When you manually key in your customer’s card details or use a card on file.

3.5% + 15¢ per transaction

Plans by business type

Restaurants

Run your restaurant more efficiently. Use menus and table management for front of house, and kitchen displays and delivery for back of house.

• Advanced POS features
• Square KDS (unlimited devices)
• Team Plus

Retail

All the retail tools you need for selling online and in-store, like inventory management, returns and exchanges, and reports.

• Advanced inventory tools
• Advanced retail reports
• Square Team Management

Appointments

Stay a step ahead of schedule — whether you run a salon or a construction business — with easy online booking, automatic appointment reminders, and staff management tools.

• Customizable online booking site
• Automated appointment reminders
• Square Team Management

FAQ

• How much will I pay in fees?

• Can I change my plan after I choose one?

  Yes. You can upgrade, downgrade, or cancel your plan at any time.

• How fast will I get paid?

  With Square Transfers, you can send your money to an external bank account in one to two business days for free or instantly for a fee. With Square Checking, get your money from Square sales instantly for free.

• Can I take any type of credit card with Square?

  You can accept every major card — Visa, Mastercard, American Express, and Discover — all for the same rate. You can also take cash, checks, and Square gift cards.

• Do I need to purchase hardware to use Square?

  No, we have an array of tools to help you run your business that do not require you to purchase Square hardware.

• Can you recommend the best solution for my business?

  Square has the tools that connect every side of your business. Discover the best business software solutions for your unique needs.

1 Block, Inc. is a financial services company, not a bank. Banking services are provided by Square Financial Services, Inc., an affiliate of Square, Inc., and Sutton Bank; members FDIC.

2 All loans are issued by Square Financial Services, Inc., a Utah-Chartered Industrial Bank. Member FDIC. Actual fee depends upon payment card processing history, loan amount, and other eligibility factors. A minimum payment of 1/18th of the initial loan balance is required every 60 days and full loan repayment is required within 18 months. Loan eligibility is not guaranteed. All loans are subject to credit approval.

3 All credit sale plans are issued by Block, Inc. Not available to merchants in AL, DE, MS, MO, NH, and TN. Purchase amounts must be from $49 to $10,000. APR is 15%. Available plan lengths vary from 3-, 6-, 12-, and/or 24-month installments, depending on purchase amount. Sales tax, where applicable, will be due at checkout. All plans subject to credit approval and other factors.

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