thread Re: Debit card fees ? in Payments Troubleshooting

Debit card fees ?

Bob_f — Sat, 07 Feb 2026 08:56:17 GMT

Our account is set to add a 2.9% fee to credit cards at checkout, but when you check out with a debit card it gives a pop-up saying the customer is using a debit card so the fee will be removed.

I can find nowhere on the fee schedules what squares debit card fee is ? I assume since it's removed the credit card fee and processing the card as a debit card it's not charging us the 2.9% + 39 cent credit card fee. Is it just a flat 39-49 cent fee for debit cards ? It's not listed anywhere on squares site or in our account.

Re: Debit card fees ?

Minion — Sat, 07 Feb 2026 13:21:56 GMT

Good Morning @Bob_f

The automatic detection from Square I believe was just recently introduced to decipher a credit card v. debit card in connection when an account is setup for surcharging or adding a convenience fee. It is actually against the TOS with Visa and MC in the US to charge such fees to a debit card.

So you will still pay the merchant (square fee) 2.9 + 0.30 ( or your current rate) for the actual card processing, but will not be able to pass that fee on to the customer when a debit card is used.

Re: Debit card fees ?

Bob_f — Sun, 08 Feb 2026 04:33:31 GMT

Ok that makes sense. Square should explain that on their surcharge fee page.