Free Square fee review for OKC-area businesses doing $5,000+ a month
Lower your Square fees in Oklahoma City.
You're paying Square a flat rate on every swipe. Switch to wholesale platform pricing.
Send us your most recent Square statement. A local merchant specialist will show you, in writing, exactly what those same sales would cost on our wholesale platform pricing. Free, no obligation, and no pressure to switch.
- Based in Oklahoma City
- Review in writing, yours to keep
- No cost, no commitment
- Flat-fee option, price-locked 48 months
Square fee calculator
See what Square is costing you. Move the sliders to match your business.
Uses Square's published US Free-plan rates: 2.6% + 15¢ in person, 3.3% + 30¢ online. Your statement gives the real figure.
The flat-rate problem
Why Square fees get expensive past $5,000 a month
Flat-rate pricing is built for getting started. At your volume, it can quietly cost you thousands a year.
The same rate on every card
A basic debit card costs the networks far less to process than a premium rewards card, but on a flat rate you pay the same either way. The difference stays with your processor.
Online and invoices went up
Square raised its Free-plan online and invoice rate from 2.9% to 3.3% in January 2026. If you bill clients or take orders online, you felt it.
Refunds still cost you
When you refund a customer, Square keeps the processing fee from the original sale. Every return is money you never see again.
Two ways to stop overpaying Square
Lower rates, or a flat-fee cash discount program
Your free review shows what each option would cost your business, side by side, so you can pick the one that fits.
Wholesale platform pricing
Keep covering card costs yourself, just at a fair price. You pay the true network cost of each card plus a small, disclosed markup, instead of Square's one-size-fits-all rate.
- Best if you'd rather not change your prices
- Your rate follows your real card mix
- A statement you can actually read, line by line
Cash discount program
Your posted prices become your card prices, and customers who pay cash get a 4% discount. Card costs are covered at the register, and you pay one flat monthly fee instead of a percentage of every sale.
- One flat, predictable monthly fee
- Price guaranteed not to change for 48 months
- Signage, receipts and terminal setup handled for you
Square processing fees in 2026, at a glance
What Square charges on its Free plan, the plan most sellers use, from Square's published US pricing.
| Payment type | Square Free rate | Fee on a $100 sale |
|---|---|---|
| In person (tap, dip or swipe) | 2.6% + 15¢ | $2.75 |
| Online and invoices | 3.3% + 30¢ | $3.60 |
| Keyed in or card on file | 3.5% + 15¢ | $3.65 |
| ACH bank-transfer invoice | 1% ($1 minimum) | $1.00 |
Square Plus and Premium lower the in-person rate to 2.5% and 2.4% + 15¢ and the online rate to 2.9% + 30¢, in exchange for a monthly subscription. Rates change; check Square's site for current pricing.
What is wholesale platform pricing?
Instead of one flat percentage, you pay the actual card-network cost of each transaction plus a fixed, disclosed markup.
A debit card or basic credit card costs far less to process than a premium rewards card. On wholesale platform pricing, your rate follows your real card mix, so you stop paying the premium-card price on every swipe.
Three steps, about ten minutes of your time
How our free Square fee review works
Tell us about your business
Fill out the short form below. We'll reach out and ask for one recent month of Square sales and fees, which you can download from your Square Dashboard.
We break down every fee
We line up what you paid against what the same sales would cost on our wholesale platform pricing, card type by card type, then book a time with you this week to walk through it.
You decide, with real numbers
If the savings are worth it, we handle setup in person at your location. If they aren't, we'll tell you so, and you keep the report.
Local, not a call center
Credit card processing across the Oklahoma City metro
When something goes wrong on a Friday night, you need someone who answers. Expert Merchant Solutions provides merchant services and credit card processing to businesses in Oklahoma City, Edmond, Norman, Moore, Yukon and across the metro, face to face.
- Oklahoma City
- Edmond
- Norman
- Moore
- Yukon
- Mustang
- Midwest City
- Del City
- Bethany
- Choctaw
- Piedmont
Square fees and credit card processing FAQ
How much does Square charge per transaction?
On Square's Free plan, Square charges 2.6% + 15¢ for in-person payments, 3.3% + 30¢ for online and invoice payments, and 3.5% + 15¢ for keyed-in or card-on-file payments. On a $100 in-person sale, that is $2.75.
What is wholesale platform pricing?
With wholesale platform pricing, you pay the actual card-network cost of each transaction plus a fixed, disclosed markup. Debit and basic cards cost less to process than premium rewards cards, so your rate follows your real card mix instead of one flat number.
Is there a cheaper alternative to Square for Oklahoma City businesses?
For many businesses processing $5,000 or more a month, wholesale platform pricing often costs less than a flat rate. It depends on your card mix and average sale, which is what a free review of your actual Square statement figures out.
What is a cash discount program?
Your posted prices are your card prices, and customers who pay with cash get a 4% discount. Card costs are covered at the register, and you pay one flat monthly fee, price-locked for 48 months, instead of a percentage of every sale.
Is a cash discount program allowed in Oklahoma?
Yes, when it is set up correctly. Discounts for paying cash are allowed under federal law, but the program has to be a true cash discount with clear signage at your entrance and register and disclosure on receipts. We set all of that up for you.
Is the review really free?
Yes. You get a written comparison whether or not you ever switch. There is nothing to sign to get it.
Do I have to stop using Square?
Not to get a review. If you do switch, we'll walk through exactly what changes at your counter, online and in your reporting before you commit, so there are no surprises.
How long is my price guaranteed?
For 48 months, with our price lock guarantee. Can Square guarantee it won't raise your rates in the next 12 months? It raised its online and invoice rate in January 2026.
What if you can't save me money?
Then we'll say so. Some businesses are already on a good deal, and you deserve to know that too.
Find out how much you're overpaying.
A few quick fields. We'll be in touch within one business day to get your statement and start your review.
Rather talk now? Call or text (405) 373-8254