Square Fee Calculator Ireland
Calculate exact in-person (1.75%), online checkout (2.50%), and gross-up invoices in EUR.
In Ireland, Square charges 1.75% 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 Ireland — Complete 2026 Guide
Square™ operates in Ireland 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 1.75% 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 (Ireland)
What are Square merchant fees in Ireland for 2026?
In Ireland, Square charges a flat 1.75% for in-person contactless and chip & PIN transactions and 2.50% flat for online e-commerce transactions in Euros.
Is payment processing fee in Ireland subject to Irish VAT?
No. Financial payment processing services in Ireland are VAT-exempt under EU VAT Directive Article 135(1)(d).
How do I calculate gross-up in Ireland for €1,000 net?
For online sales (2.5%), calculate: €1,000 / (1 - 0.025) = €1,025.64. For in-person sales (1.75%), calculate: €1,000 / (1 - 0.0175) = €1,017.81.
How quickly are funds deposited into Irish bank accounts?
Standard bank transfers arrive next business day free of charge across Irish SEPA banking institutions.
Does Square charge monthly account maintenance fees in Ireland?
No. Standard Square accounts in Ireland have €0 monthly fees, no minimum transaction volumes, and no setup charges.
Can Irish merchants pass credit card surcharges to consumers?
No. Under the EU Payment Services Directive (PSD2), surcharging consumers for consumer card transactions is prohibited across Ireland and the EU.
Does Square support digital tipping and hospitality features in Ireland?
Yes. Square POS features customizable tip prompt screens, table mapping, and split-tender billing compliant with Irish Payment of Wages (Amendment) Act 2022.
How does Square compare to AIB Merchant Services or Clover in Ireland?
Square eliminates long-term 36-month terminal contracts and PCI compliance fees charged by traditional Irish banks, offering pure pay-as-you-go processing.