https://community.squareup.com/t5/Orders-Menu-Items-Catalog/GIFT-CARD-fees/m-p/840584#M23196 <P>We're building a coin redemption integration using the Square Gift Card API. Our flow is entirely programmatic — not a consumer-facing gift card product:<BR />Consumer initiates a coin redemption at checkout<BR />Twism calls the Gift Card API to create a gift card and load it with the redemption value via loadGiftCardBalance()<BR />The gift card is passed to the cashier as a one-time-use tender<BR />Cashier processes it via "Pay with Gift Card" at the Square POS terminal<BR />The gift card is never sold to the consumer — it's created and consumed in a single transaction as a payment instrument.</P><P>Question<BR />We found this support article which mentions:<BR />A 2.5% load fee for gift cards<BR />A 3.3% + 30¢ processing fee for digital eGift cards<BR />We want to confirm specifically:<BR />Does calling loadGiftCardBalance() via the API trigger the 2.5% load fee on the merchant's Square account?<BR />Does the fee structure for API-created gift cards used as POS tender differ from gift cards sold to consumers (retail or eGift)?<BR />If a fee applies — is it charged to the merchant's account or to the account associated with the API credentials (in our case, Twism's)?<BR />We previously received verbal confirmation that there would be no fees associated with this flow, but we want written confirmation before proceeding with merchant rollout.</P> Thu, 09 Apr 2026 21:11:05 GMT twism_developer 2026-04-09T21:11:05Z https://community.squareup.com/t5/Orders-Menu-Items-Catalog/GIFT-CARD-fees/m-p/840584#M23196 <P>We're building a coin redemption integration using the Square Gift Card API. Our flow is entirely programmatic — not a consumer-facing gift card product:<BR />Consumer initiates a coin redemption at checkout<BR />Twism calls the Gift Card API to create a gift card and load it with the redemption value via loadGiftCardBalance()<BR />The gift card is passed to the cashier as a one-time-use tender<BR />Cashier processes it via "Pay with Gift Card" at the Square POS terminal<BR />The gift card is never sold to the consumer — it's created and consumed in a single transaction as a payment instrument.</P><P>Question<BR />We found this support article which mentions:<BR />A 2.5% load fee for gift cards<BR />A 3.3% + 30¢ processing fee for digital eGift cards<BR />We want to confirm specifically:<BR />Does calling loadGiftCardBalance() via the API trigger the 2.5% load fee on the merchant's Square account?<BR />Does the fee structure for API-created gift cards used as POS tender differ from gift cards sold to consumers (retail or eGift)?<BR />If a fee applies — is it charged to the merchant's account or to the account associated with the API credentials (in our case, Twism's)?<BR />We previously received verbal confirmation that there would be no fees associated with this flow, but we want written confirmation before proceeding with merchant rollout.</P> Thu, 09 Apr 2026 21:11:05 GMT https://community.squareup.com/t5/Orders-Menu-Items-Catalog/GIFT-CARD-fees/m-p/840584#M23196 twism_developer 2026-04-09T21:11:05Z