Recommended surcharge rates (Australia, 2025)
1. Square Fees (Australia)
Payment Type | Square Fee (Standard) | Recommended Surcharge |
Tap/Insert (in-person) | 1.6% | 1.6% |
Online payments | 1.9% | 1.9% |
Manually entered (MOTO) | 2.2% | 2.2% |
💡 Square’s in-person rates are lower because there’s less fraud risk. The 1.6% is the actual cost you can legally pass on.
2. Stripe Fees (Australia)
Payment Type | Stripe Fee | Recommended Surcharge |
Domestic cards (online) | 1.75% + 30¢ | 1.75% (+ optional flat $0.30 for small orders) |
International cards | 2.9% + 30¢ | 2.9% (+ 30¢ if needed) |
Additional currency fees | +1% | Include only if used |
If most of your orders are over $20, you might choose to ignore the 30¢ and just apply the percentage.