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Square Hidden Fees Explained: What You're Really Paying

By Robert Staschak · Owner, Custom Payments LLC · Merchant Services Specialist · Published 2026-07-24 · 11 minute read

Square has built its reputation on simplicity: "2.6% + 10¢ per transaction." It sounds straightforward, but like many payment processors, Square's actual cost to merchants is often significantly higher once you factor in fees that aren't mentioned in the headline rate.

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