Square fees: the full UK breakdown

Square published prices, July 2026

### Square UK fees as of July 2026

| Fee | Amount | Notes |
| --- | --- | --- |
| In-person payments, UK cards | 1.75% |  |
| In-person payments, non-UK cards | 1.75% + 1.5% |  |
| Online payments, UK cards | 1.4% + 25p |  |
| Online payments, non-UK cards | 2.5% + 25p |  |
| Manually entered / virtual terminal payments | 2.5% | Non-UK cards 2.5% + 1.5% |
| Invoices paid online | 2.5% | Non-UK cards 2.5% + 1.5% |
| Monthly fee (Free plan) | £0 | Plus plan from £29 per month; Premium is custom pricing |
| Square Reader | £19 + VAT |  |
| Square Terminal | £149 + VAT, or £25 + VAT per month for 6 months |  |
| Square Stand | £99 + VAT, or £17 + VAT per month for 6 months |  |
| Square Register | £699 + VAT, or £59 + VAT per month for 12 months |  |

Source: squareup.com/gb/en/pricing (https://squareup.com/gb/en/pricing)

As published on the Square UK pricing page, July 2026. Square runs periodic hardware promotions below these list prices; the standard list prices are shown.

Worked example: what Square costs at £10,000 a month

Scenario: £10,000 of monthly card volume at a £25 average transaction (400 transactions a month), using the 1.75% in-person rate for UK cards and Square Terminal at its £149 list price, excluding VAT, matching our fees calculator assumptions. The same default scenario runs in our fees calculator, where you can put in your own figures.

### Square effective-cost example, £10,000 monthly volume, £25 average transaction

| Line | Amount |
| --- | --- |
| Transaction fees per month | £175.00 |
| Monthly fee | £0 |
| Hardware (one-off, amortised over year 1) | £149 |
| 12-month total cost | £2,249 |
| Effective rate on £120,000 annual volume | 1.87% |

Source: MerchantHQ, computed from the published inputs above

Illustrative. Effective rate is total year-one cost divided by annual card volume. Your card mix, ticket size and channel split move the real figure.

How Square compares with the UK market

Square publishes every standard rate, placing it in the 57% of the Fee Index panel with visible pricing. Its 1.75% in-person headline sits in the lower-middle of the 0.7% to 6% published range. The gap between channels is the thing to watch: the same customer paying in person (1.75%), through an online checkout (1.4% + 25p) or against an invoice (2.5%) generates three different fees.

Panel context from the UK Card Processing Fee Index: published headline rates across the acquirers we track range from about 0.7% to 6%, and 43% publish no rate at all. Full per-acquirer data is in the Card Acquirer Index.

How the Square fee structure actually works

• Three channels, three prices: in-person 1.75%, online 1.4% + 25p, keyed-in and invoices 2.5%. Model your channel mix, not just the headline.
• Non-UK cards cost materially more: an in-person non-UK card is 1.75% + 1.5%, so tourist-heavy businesses process well above the headline.
• Online can be cheaper than in-person for larger tickets: 1.4% + 25p beats 1.75% once the transaction is above roughly £71, and is more expensive below it.
• Hardware is bought, not rented: Reader £19 + VAT, Terminal £149 + VAT, Stand £99 + VAT, Register £699 + VAT, each with instalment options. No monthly fee on the free software plan and no contract.

Frequently asked questions