Square Fee Calculator Australia
Calculate exact in-person (1.90%), online checkout (2.20%), and gross-up invoices in AUD.
In Australia, Square charges 1.90% for standard in-person card payments (tap, chip, and mobile wallets) with $0 monthly terminal subscription fees. Online checkout and digital invoicing are processed at 2.20%. Funds are deposited to your bank account next business day with zero chargeback defense penalties.
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Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
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Square Fees in Australia — Complete 2026 Guide
Square™ operates in Australia with an upfront flat-rate merchant fee model. Standard accounts have $0 monthly subscription fees, $0 setup charges, and no minimum monthly processing commitments. As of 2026, Square charges 1.90% for in-person card payments (tap, chip, or contactless) and 2.20% Flat for online and e-commerce transactions in AUD.
The higher online rate reflects the increased risk of card-not-present fraud. Square absorbs all eligible chargeback disputes at no extra cost in its standard plan, which is a significant advantage for small and medium-sized businesses compared to other payment processors.
Afterpay (Buy Now, Pay Later): Square integrates Afterpay natively in Australia. When a customer pays via Afterpay, Square charges the merchant 6.00% + A$0.30. Afterpay pays the merchant immediately in full; installment collection risk is fully managed by Afterpay.
Disclaimer: Square™ is a trademark of Block, Inc. FeeFlow is an independent fee estimation tool with no affiliation to Square. Rates shown reflect publicly available 2026 pricing and may change — always verify at squareup.com.
Frequently Asked Questions (Australia)
What are Square merchant rates in Australia for 2026?
In Australia, Square charges a flat 1.90% (inclusive of GST) for in-person tap and chip payments, 2.20% flat for online transactions and digital invoices, and 6.00% + A$0.30 for Afterpay installment orders.
Are Square Australia fees inclusive of GST?
Yes. Square's advertised merchant processing fees in Australia (1.9% in-person, 2.2% online) include 10% Goods and Services Tax (GST). Square issues monthly tax invoices detailing input tax credits.
Does Square support EFTPOS in Australia?
Yes. Square hardware supports Australian contactless EFTPOS, Visa, Mastercard, and American Express at the exact same flat 1.9% rate without separate bank merchant facility agreements.
Can Australian merchants pass Square fees to customers as a surcharge?
Under ACCC regulations, Australian merchants are legally allowed to surcharge customers up to their actual cost of card acceptance (1.9% for in-person or 2.2% online). Square POS includes automatic surcharging settings.
How fast are Square bank deposits in Australia?
Standard payouts transfer automatically to any Australian bank account on the next business day with zero fees. Instant transfers to eligible debit cards cost 1.5%.
How does Square compare to Tyro or CBA in Australia?
Unlike traditional Australian bank merchant terminals (which charge monthly terminal rental and tiered interchange fees), Square has $0 monthly rental fees and clean flat pricing.
How do I calculate the gross-up amount to receive A$1,000 net in Australia?
For in-person sales at 1.90%, calculate: A$1,000 / (1 - 0.019) = A$1,019.37. For online sales at 2.20%, calculate: A$1,000 / (1 - 0.022) = A$1,022.49.
Can I manage multi-location inventory with Square in Australia?
Yes. Square's free dashboard allows Australian retail and hospitality businesses to manage inventory, transfers, and staff permissions across multiple venues without extra fees.