Square Fee Calculator France
Calculate exact in-person (1.80%), online checkout (2.50%), and gross-up invoices in EUR.
In France, Square charges 1.80% 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 2.50%. 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 France — Complete 2026 Guide
Square™ operates in France 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 1.80% for in-person card payments (tap, chip, or contactless) and 2.50% Flat for online and e-commerce transactions in EUR.
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 (France)
What are Square processing fees in France (Tarifs Square France 2026)?
In France, Square charges 1.80% flat for in-person payments (carte bancaire, sans contact, Apple Pay) and 2.50% flat for online sales and digital invoices in Euros.
Does Square support Cartes Bancaires (CB) in France?
Yes. Square terminals and online gateways accept French Cartes Bancaires, Visa, Mastercard, and American Express at the standard flat rate.
Are Square transaction fees subject to French TVA?
No. Payment processing services in France are exempt from TVA under Article 261 C 1° of the Code Général des Impôts.
What are payout timelines for French merchants with Square?
Standard bank deposits arrive in your French IBAN account next business day with zero transfer charges.
Is Square certified under French anti-fraud cash register laws (Loi Anti-Fraude TVA)?
Yes. Square POS complies with French fiscal regulations governing electronic cash register certification and tamper-proof transaction recording.
How do I calculate the gross-up invoice in France for €1,000 net?
For in-person transactions (1.80%), calculate: €1,000 / (1 - 0.018) = €1,018.33. For online invoicing (2.50%), calculate: €1,000 / (1 - 0.025) = €1,025.64.
Can French merchants surcharge customers for card processing fees?
No. The Code Monétaire et Financier (Article L112-12) strictly forbids surcharging consumers for card or digital wallet payments in France.
How does Square compare to SumUp or Yavin in France?
Square charges 1.80% with extensive free POS features (stock management, multi-user accounts, customer directory) without recurring monthly subscriptions.