Square Fees in Canada: Credit, Debit, Online and Manual Payments
Square Canada fees explained with current in-person credit, Interac debit, online and manually entered rates—and the costs a merchant should model.
Square currently publishes 2.5% for in-person credit, 0.75% + $0.07 for in-person debit, 2.8% + $0.30 online and 3.3% + $0.15 for manually entered or card-on-file payments. International cards can add 1.5%.
Square’s published Canadian rates
Square separates card-present credit, Interac debit, online and manually entered transactions. That matters when a merchant also takes phone deposits, invoices or ecommerce sales.
- In-person credit: 2.5%
- In-person debit: 0.75% + $0.07
- Online: 2.8% + $0.30
- Manual or card on file: 3.3% + $0.15
Run the numbers by channel
Do not multiply every sale by one rate. Split sales and transaction count by channel. A thirty-cent fee affects a $10 order much more than a $100 order.
Plans, hardware and international cards
Square offers free and paid software tiers. Hardware, optional software and the additional international-card fee can change the total. Use the current Canadian pricing page for the exact configuration.
When custom pricing may apply
Square says businesses processing more than $250,000 annually in credit-card sales may qualify for custom rates. Eligibility is not guaranteed and the complete offer still matters.
Put the comparison into practice
Compare Canadian payment processors, then calculate your effective processing rate using one complete statement period.
Frequently asked questions
How much does Square charge in Canada?+
Current standard rates vary by channel: 2.5% in-person credit, 0.75% + $0.07 in-person debit, 2.8% + $0.30 online and 3.3% + $0.15 manually entered or card on file.
Does Square have monthly fees?+
Square says standard payment processing has no monthly processing fee, but paid software plans, hardware and other services can add cost.
Check current rates and terms with the provider. KYMPAY also sells merchant services; read our editorial approach.