Pricing & Fees
Square sets its own processing fees and plans. Roots charges separately for our own services, quoted before any work begins.Square’s published processing rates
Quoted from Square’s pricing page. Square processing fees and plans are set and billed by Square, and Square says there are “no hidden fees or locked-in contracts.”| Payment type | Square Free | Square Plus | Square Premium |
|---|---|---|---|
| Tap, dip, or swipeApplies to in-person payments when a card is present. | 2.6% + 15¢ | 2.5% + 15¢ | 2.4% + 15¢ |
| OnlineApplies to card payments made online or through an invoice. | 3.3% + 30¢ | 2.9% + 30¢ | 2.9% + 30¢ |
| Online APIApplies to payments through Square’s payments APIs, separate from standard online checkout. | 2.9% + 30¢ | 2.9% + 30¢ | 2.9% + 30¢ |
| Manual entry or card on fileApplies to payments when a card number is manually entered or when a saved card on file is used. | 3.5% + 15¢ | 3.5% + 15¢ | 3.5% + 15¢ |
| Monthly feeWith Square Plus and Square Premium, the monthly fee applies to each location you run. | $0/mo. per location | $49/mo. per location | $149/mo. per location |
Square processing fees and plan pricing from Square’s official Square pricing page, retrieved October 4, 2026. Square products and pricing are provided by Square and may change.
Consultations and payment reviews with Roots are free. Additional Square charges may apply for international cards, add-ons and other payment methods; your Square account terms control.“If you process over $250,000 per year, talk to our team to see if you’re eligible for custom pricing and processing fees.”
What Roots charges
These are Roots Payments fees for our own services. They are separate from Square’s fees.Setup & onboarding help (Roots service)
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Configuration, testing and staff training.Hardware configuration (Roots service)
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Roots doesn’t sell hardware. You buy it from Square; we configure it.Custom solutions (Roots service)
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Custom apps and integrations our team builds on Square’s APIs.Ongoing support plan (Roots service)
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Support and training, with the scope agreed in your quote.How card processing fees work
Every card payment carries three layers of cost. Knowing them makes it easier to compare any processor.- Interchange
- Set by the card networks and paid to the card-issuing bank. It varies by card type, such as debit, rewards or business cards.
- Network assessments
- Small fees charged by Visa, Mastercard and the other networks.
- Processor markup
- What the processor charges on top. Flat-rate pricing like Square’s bundles all three into one rate.
When Square isn’t the right fit
Other options- Independent gateway (interchange-plus)Request a quote
- Cash discount programRequest a quote
- Roots POSRequest a quote
- High-risk, crypto, PayoutsRequest a quote
Our general cash discount program helps eliminate processing fees through cash and card pricing. Request a quote for your business. Roots service fees and equipment costs are quoted separately. The Square 4% cash discount offer is a separate program.
Published card-brand interchange rates
Interchange is one component of processing cost, not your complete merchant rate. The applicable rate depends on the card and transaction. Request a quote to understand your total cost.Visa interchange ratesMastercard interchange ratesPricing questions
Request a quote for your setup, training, integrations and support. Your consultation and payment review are free.
Square publishes its own hardware, software and processing prices. Follow the Square pricing links on this page for current details.
Interchange-plus separates card-network interchange from the processing partner’s markup. Compare the full account offer and transaction mix when reviewing your costs.
A cash discount reduces a posted price for customers paying cash. A surcharge adds a charge to a credit-card transaction. Roots helps plan the customer-facing pricing and checkout configuration for your program.
The Visa and Mastercard links on this page lead to their published interchange information. Interchange is one part of processing cost; request a quote to understand your complete merchant rate.
Bring recent processing statements, your software bills, hardware details and expected sales volume. We review your current costs and quote the changes your business needs.