Square Fee Calculator Canada
Calculate exact in-person (2.65%), online checkout (2.90%), and gross-up invoices in CAD.
In Canada, Square charges 2.65% 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 2.90% + C$0.30, and Interac Flash debit is only 0.75% or 10¢ per tap. 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 Canada — Complete 2026 Guide
Square™ operates in Canada 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 2.65% for in-person card payments (tap, chip, or contactless) and 2.90% + C$0.30 for online and e-commerce transactions in CAD.
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.
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 (Canada)
What are Square processing fees in Canada for 2026?
In Canada, Square charges a flat 2.65% (no fixed cent fee) for in-person card payments (tap, chip, swipe), 2.90% + C$0.30 for online checkout, and 3.30% + C$0.30 for invoices.
Does Square support Interac Flash in Canada?
Yes. Square Reader and Square Terminal natively support Interac Flash debit card taps in Canadian dollars at the standard flat in-person rate.
How do I calculate the gross-up amount to receive C$1,000 net in Canada?
For online sales (2.9% + C$0.30), charge (C$1,000 + C$0.30) / (1 - 0.029) = C$1,030.18. For in-person sales (2.65% flat), charge C$1,000 / (1 - 0.0265) = C$1,027.22.
Are Square fees in Canada subject to GST/HST?
Financial services in Canada are generally exempt from GST/HST, meaning Square does not add GST/HST on top of standard payment processing fees, though hardware purchases are subject to provincial sales taxes.
What are Square payout timelines for Canadian businesses?
Standard bank deposits arrive in 1–2 business days with zero deposit fees. Instant transfers to eligible Canadian debit cards cost 1.5%.
Does Square charge monthly fees in Canada?
Standard Square Point of Sale is completely free with $0 monthly subscription fees and no lock-in contracts.
Can Canadian businesses pass Square fees as a credit card surcharge?
Yes. Following Canadian credit card settlement rules, merchants outside Quebec can legally apply a credit card surcharge up to 2.4% (capped at actual cost of acceptance), provided proper signage is displayed.
Does Square accept Afterpay installments in Canada?
Yes. Canadian Square sellers can enable Afterpay on online checkouts and in-person terminals, processing at 6.0% + C$0.30 per transaction.