PayPal vs Square Fee Calculator
Compare US invoice & online checkout deductions between PayPal Business (3.49% + $0.49) and Square (2.9% + $0.30).
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PayPal Business US
$534.00/mo
$6,408/year estimated fees
3.49% + $0.49 base — High-trust consumer checkout where buyers prefer PayPal Wallet or Pay Later
Square US
$378.00/mo
$4,536/year estimated fees
2.9% + $0.30 base — Omnichannel US merchants combining POS in-person (2.6% + $0.10) with online checkout
12-month difference
Square US saves you $1,872 per year at this volume.
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Common questions
Is PayPal Business US cheaper than Square US?
Under our baseline scenario, PayPal Business US costs $534.00/month while Square US costs $378.00/month—making Square US cheaper by $1872 over 12 months. Adjust your own volume in the interactive calculator above to check your exact break-even point.
What hidden fees change the PayPal Business US vs Square US winner?
Compare US invoice & online checkout deductions between PayPal Business (3.49% + $0.49) and Square (2.9% + $0.30).